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.

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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

Dan has written a powerful article. The link at the end of Affirmations is A+, so you may want to read it as well. I posted this on Facebook. Look at Dan’s fantastic library of articles

— Dale Morrison

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.

“Light Speed Change”: Even Non-Profits Can Improve Faster and Faster.

Two instructive examples are the Free Sacred Trinity Church and its healing ministry, the Optimum Health Institute of San Diego (OHI-SD).

When Media Headlines Become Manipulated Truths: Part I of II

How Media Narratives Break Under a Revision-Driven Data Regime

Government Statistical Revisionism: III of III

Inflation targeting is especially sensitive to data revisions, because the entire framework depends on measuring deviations from a numerical target in real time. When inflation data subsequently change, they can retroactively reveal policy errors that were invisible—or unavoidable—at the time decisions were made.

Government Statistical Revisionism: Part II of III

Monetary policy is adjusted because central banks make real-time decisions based on data that later prove to be incorrect. That creates a gap between policy intent and economic reality—and that gap can persist for months or years.

Government Statistical Revisionism: Part I of III

Why Economic Data Keeps Changing—and Why the Public No Longer Trusts It

The Silent Technology Bottleneck: When Growth Outruns Infrastructure

One of the most dangerous bottlenecks is the one that executives refuse to see until systems begin to fail. As organizations grow, there comes a point where existing technology—servers, processors, storage, and RAM—can no longer support operational demand. When that moment arrives, performance doesn’t degrade gracefully. It collapses in slow, expensive increments.

The Bottleneck: The Smallest Constraint That Controls the Whole System

The bottleneck is rarely audible and may not even produce noise. It doesn’t announce itself with a crash—it whispers through delays, backlogs, and the creeping sense that everyone is busy, but nothing is moving. Like the narrow neck of a bottle that throttles the liquid behind it, a single constraint can quietly dictate the pace of an entire operation.

“Holy Cow!”:

How a Mild Exclamation Became a Fixture of American Speech

Light Speed Differential: When the Rate of Change Breaks Human and Organizational Instincts- Part II of II

Light Speed Differential is not a passive motivational slogan

Light Speed Differential: When the Rate of Change Breaks Human and Organizational Instincts- Part I of II

Most people and organizations fail not because they move slowly, but because they misjudge how much faster the world has begun to move around them. The real risk is not changing itself. It is the difference between the speed at which we are built to adapt and the speed at which reality now evolves.

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