Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

California Economy

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Reverse Mortgages and Probate After the Death of the Borrower

If probate takes longer than 6 months, the reverse mortgage doesn’t automatically “go delinquent, “which should reassure homeowners and heirs that delays won’t cause immediate default.

Reverse Mortgages Are Due Upon The Death of The Borrower!

Disclaimer (general information, not legal advice): Questions about “fraud” turn on intent, what was communicated (or concealed), what documents were signed, and which program (HECM/FHA vs. proprietary) applies. If there’s a real situation behind your hypothetical, it’s worth speaking with an estate/probate attorney and (for HECMs) a HUD-approved reverse mortgage counselor promptly.

Reverse Mortgages: An Excellent Retirement Strategy for Some Homeowners

Turning Home Equity into Retirement Flexibility—Without Monthly Payments

SB-4: California Church Corporations and Nonprofit Low-Cost Housing Building Opportunities.

Are there legal remedies available to the church or nonprofit if a municipality refuses to cooperate and comply with state mandates?

Where is America’s Democrat Party Heading? -Quick Read

—Success, Capture, failure, loss, or Self-Inflicted Collapse? Will ordinary people accept systemic fraud? At the beginning and the end: A party can win power by a well-lubricated machinery, but it keeps power only by earning trust. Trust is absent from any equation other than the usual systemic frauds that are pervasive.

Chipping Away at Federal Government Waste, Fraud, Abuse, and Redundant Bureaucracies, One at A Time

U.S. plans to exit 66 international bodies, including agencies, conventions, and treaties, highlighting the scope of the withdrawals and their potential Impact on U.S. involvement and Costs.

When the Welfare Safety Net Becomes a Hammock

Welfare should be a bridge to stability—not a destination. Recognizing this can inspire policymakers and social workers to focus on pathways to independence.

Bait-and-Switch Government Tactics:

Does the Government Use Bait-and-Switch Tactics When Delivering Facts to the American Public?

America’s Rolling Micro-Homes:

Who Lives in Vehicles—and Why (2024–2026)

The Fox That Guarded the Hen House:

Meaning, Origins, and Modern Lessons

“Vassal State” Status: What is it and Why Does It Exist?

The Timelessness of This Article is That Under Donald J Trump, Venezuela has Just Been Taken over By The United States. The U.S. will control the entire Nation-state using coercion as the chosen tool. The Pros and Cons of Agreeing to Turn a Territory or Sovereign Nation into an External Controlled Subordinate

AB-288: California

When the State Grabs the Tug-O-War Rope!

“Back Is Against the Wall”: When Your-

A Business-Friendly Guide to the Idiom (and Why It Matters)

In the Village of Cockroachville

It is Cockroachville where we first set the scene.

Transactional Coordinators and Loan Processors:

Essential Partners for Mortgage Brokers

Mastering the Initial Inquiry:

How Brokers Set the Stage for Loan Success

Nonprofits and the Shell Game:

How The Perception of Good Intentions Gets Hijacked

What Is a Grifter?

To understand a grifter, consider someone who uses deception to trick people out of money or property, relying on psychological tactics rather than force.

How Opportunists Turn Movements into Money

What Is Political Grifting?

Optimum Health Institute: The Core Mission

The official mission statement of Optimum Health Institute (San Diego, California, and Austin, Texas) is: “We will serve as a change agent for humankind by improving the physical, mental, and spiritual well-being of everyone we touch.”