Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Welcome to DanHarkey.com

Master Educator | Business & Finance Consultant | Mentor

With over 50 years of experience, Dan J. Harkey has helped thousands navigate the complexities of real estate finance, and personal development. Whether you’re an investor, entrepreneur, or seeking financial wisdom, Dan provides actionable insights to help you succeed.

Giving back to the real estate community and helping others is a proven method of developing lasting and sustaining relationships and friendships.

Dan brings a wealth of knowledge spanning back to 1972. In addition to a life teaching credential, and has owned and operated a successful real estate sales company, mortgage company, escrow company, general insurance brokerage, and property management company.

Dan J. Harkey is a distinguished real estate consultant and educator who has given 350 seminars and written hundreds of insightful articles, all designed to improve the lives of his student partners.

Start Exploring Dan's Expert Articles on Business Growth, Real Estate, Finance, and Personal Development

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How Can Dan Help You Today?

Business Insights

  • Understand market trends, risk assessment, and profit potential
  • Learn proven strategies to maximize returns
  • Gain exclusive access to expert analysis from an industry veteran

Real Estate & Economic Trends

  • Navigate the evolving landscape of real estate finance
  • Make informed investment decisions with expert guidance
  • Stay ahead with in-depth economic insights

Reinventing Yourself & Personal Growth

  • Overcome challenges and embrace change with confidence
  • Develop resilience and unlock your full potential
  • Discover strategies for long-term personal and professional success

What Others Are Saying

Thank you, Dan Harkey, for writing such engaging and educational content for our Realty411 and REI Wealth magazine readers. You're a master wordsmith with a gift in being able to explain difficult financial concepts in a way that everyone, regardless of their real estate experience, can understand.

— Linda Pliagas, REALTOR®

Why Learn from Dan?

  • 50+ Years of Experience in real estate finance & lending
  • 350+ Seminars & Hundreds of Published Articles
  • Successful Entrepreneur – Mortgage, escrow, insurance, & property management
  • Proven Track Record – Helping investors & professionals build wealth

Dan's Latest Articles

Articles written by Dan Harkey contained in the website are for educational purposes only and are not intended to be comprehensive. Some articles contain opinions expressed by Dan Harkey that may be inconsistent with the views of others.

Dan Harkey’s articles are Not to be construed or relied upon as legal or accounting advice. Each subject written about is complex and may require the advice of qualified professionals in the subject areas discussed.

Qualified professionals typically include, attorneys, accountants, appraisers, architects; and environmental, soils, structural, and civil engineers. Consultation with title insurance and escrow officers; with construction, development, and other business experts may also be appropriate.

Too Many Balls in the Air: Origin, Meaning, and How to Put a Few Down Without Dropping the Rest

“Too many balls in the air” is one of those phrases that needs no translation. You can feel it. It conjures the image of a juggler trying to keep one more ball aloft than physics—and human attention—will allow. In modern life, the idiom has become a shorthand for overcommitment, cognitive overload, and the risk of failure through excess. This article traces the expression’s roots, clarifies its meaning and nuance, and offers practical techniques for anyone who feels like a circus act in a stiff headwind.

Too Many Balls in the Air: Why This Idiom Still Hits Home

Ever feel like a circus act? That’s the essence of the phrase “too many balls in the air.” It comes from juggling, where adding one more ball makes the entire act exponentially harder. In business and life, it means overcommitment, cognitive overload, and the risk of dropping the ball on something important, leading to decreased productivity and increased stress.

Psycho-Cybernetics by Maxwell Maltz: An Overview

About the Book • Author: Maxwell Maltz (plastic surgeon turned self-help pioneer) • Published: 1960 • Core Idea: Your self-image determines your success, happiness, and behavior. Change your self-image, and you change your life.

“Rising Tides Lift All Boats.” How Does This Apply to Income Inequality?

The phrase “a rising tide lifts all boats” is often used to suggest that overall economic growth benefits everyone. However, when we look at income inequality, the picture is more nuanced:

Obamacare is a Massive Redistribution from the Productive Class to the Unproductive and Less Productive Class.

The promotion of Obamacare plans was one of the century’s biggest lies. Which class subsidizes the other class? The regulatory infrastructure gobbles up ½ of the process.

From Mutual Trust to Mutual Distrust- Legal Shields: How Expanding Liability Laws Changed Society

For centuries, social and economic interactions were grounded in mutual trust. Business partners, neighbors, and communities relied on personal integrity and informal agreements to resolve disputes. But as economies grew more complex and risks multiplied, society began shifting away from trust-based relationships toward legal frameworks designed to allocate responsibility and protect against harm. One of the most significant developments in this evolution was the rise of joint and several liability.

What led to the Widespread Acceptance of Entitlement and Dependency as a Preferred Lifestyle in American Society?

The question touches on cultural, economic, and political transformations in American society over the past century. The mainstreaming of dependency as a value system in the U.S. can be traced through several interwoven developments:

Bridging the Economic Divide in America

The Unspoken Truth About the Economy: Grapes of Wrath 2025-26 All Over.

America is living a tale of two economies—a bifurcation of prosperity and despair that has deepened over decades.

Capital Investments in California Real Property Secured Transactions: Legal Framework and Industry Practices

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