Welcome to DanHarkey.com

Master Private Money Lending & Personal Growth with Expert Guidance

With over 50 years of experience, Dan J. Harkey has helped thousands navigate the complexities of real estate finance, private money lending, 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.

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How Can Dan Help You Today?

Private & Hard Money Lending 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

Dan, I enjoy your real estate finance articles because they reflect significant knowledge and experience.

— Dennis Doss

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.

Manufactured Culture: Power, Profits, Access, and the Illusion of Choice

A substantial share of modern culture is intentionally engineered—not only by governments and ideologues, but also, more pervasively, by profit-seeking media, corporate advertisers, and platform firms that shape what we see, how we communicate, and even how we spend our time. Yet culture is never entirely manufactured: it also emerges organically from audiences, creators, and communities.

From Conformity to Complexity: How Media Values Shifted from the 1950s–60s to the 1970s

American film and television, in the postwar era, played a pivotal role beyond entertainment—they were a mirror and a molder of mainstream values. The 1950s and 1960s saw network schedules and studio slates reinforcing family stability, respect for authority, and clear moral boundaries. However, by the 1970s, this consensus had fractured, and stories became socially conscious, at times cynical, and comfortable with ambiguity.

Shaping Values, Morals, and Culture in the 1950s-1970s.

Most television serials and movies in the 1950s and 1960s were not just for entertainment but also served as a significant force in shaping public morality and family ideals. This was a period when the media’s influence was profound, and its role in reinforcing social norms was paramount.

An Overview of Cloward and Piven, Two Radical Left-wingers in the USA

Overview of Richard Cloward and Frances Fox Piven, their strategy, and why they remain controversial:

America at a Crossroads: Why Capitalism and Accountability Must Prevail

America stands at a defining moment. On one side lies the proven engine of prosperity—capitalism paired with individual accountability. On the other hand, a growing tide of collectivism and creeping socialism promises security but often delivers dependency and stagnation. The choice we make will shape not only our economy but the very character of our nation.

Mastering Real Estate Valuation: The Three Approaches and When to Use Them

Valuing real estate accurately is not only important, but it is also crucial for lenders, investors, and property owners. Appraisers, as the key players in this process, rely on three primary approaches to determine market value: the Sales Comparison Approach, the Cost Approach, and the Income Capitalization Approach. Each method is not just a tool, but a cornerstone in the valuation process, with its own strengths, limitations, and ideal scenarios.

‘Trimming the Fat:’ Understanding the Metaphorical Usage

The idiom ‘trimming fat’ originates from the literal practice of butchering meat. Still, it has now been metaphorically extended to mean removing unnecessary or non-essential parts of something to improve its efficiency.

Public Nuisance Number One: The Federal Bureaucracy Of Non-Essential Parasites.

America’s most pressing threat to efficiency and fiscal health isn’t foreign adversaries or market volatility—it’s the entrenched bureaucracy operating inside its own government. These bureaucratic institutions, often shielded by powerful public-sector unions, have become a self-preserving machine that resists accountability and reform. The time for action is now. Come on, Trumpster, get busy.

Dan J. Harkey

Educator & Private Money Lending Consultant