Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

California Economy

Search Results

Why do so many people in America find it profitable and comfortable to stay in sustained poverty?

There are several reasons why some individuals in America find it profitable or comfortable to remain in sustained poverty, even though it seems counterintuitive. These reasons are rooted in structural incentives, psychological factors, and systemic barriers:

The Underground Economy in the United States:

Scope, Causes, Impacts, and Policy Solutions

Influential People and Bailouts by the Government:

A Century of Focused Intervention on the Rich and Powerful, and Its Consequences

The Speed of Change Is Accelerating

Are we ready, and willing participants or laggards?

Constructive Fraud-Technical Read

Constructive Fraud is a legal concept that applies when a fiduciary relationship exists and the fiduciary breaches duties in a way that misleads or harms the principal, even if there was no intent to deceive. Getting tagged by some ideological zealot judge is easier than you think. The successful businessperson is always suspected, while the consumer is often overlooked or forgiven for their actions, such as a defaulted real estate loan.

AB-3108 – Allegation of Criminal Misconduct by Broker or Agent - Technical Review

Does AB 3108’s expansion of criminal liability for real estate and mortgage brokers create constitutional and practical concerns, including potential overreach into protected speech and increased litigation risk?

Deeds of Trust: Structure, Roles, and Property Interests Explained

Foreclosure Procedure Under a Deed of Trust in California

California uses non-judicial foreclosure for deeds of trust, which is faster and less costly than judicial foreclosure.

Squatters’ Rights in California:

The Law, Myths, Case Studies, and Practical Defenses

“Mary” Isn’t Merry Anymore: AI-Driven Nuisances

The Climate Change Agenda: Taxation, Redistribution, and Cultural Marxism

International climate conferences like COP30 reveal the hollow nature of the global climate apparatus. These events are crowded with thousands of bureaucrats and activists, all clamoring for money under the banner of a “crisis” that many argue is exaggerated or even fabricated. Behind the lofty rhetoric lies a system designed less for environmental stewardship and more for wealth redistribution and ideological control. This should make skeptics feel validated and cautious about the true motives behind these gatherings.

”Climate Change” Was Manufactured for Profits, Taxation, and Redistribution

GeoTracker in California is an Internet-accessible Database System Managed by the State Water Resources Control Board.

Its primary function is to track, store, and provide access to environmental compliance and contamination data for properties that may Impact groundwater or soil quality.

Defaulted HOA Dues- Liens and Foreclosures: What Every Homeowner Should Know

If you fall behind on homeowners’ association (HOA) dues or assessments, understanding HOA lien laws is crucial because they directly affect your property rights and risk losing your home. Laws in various states differ. The primary difference is between states with super-priority lien status and those without.

Defaulted HOA Dues in California under the Davis-Stirling Act: An Overview of the Foreclosure Procedure

California regulates HOA foreclosures under the Davis-Stirling Common Interest Development Act (Civil Code §§ 5650–5730). HOAs have the authority to record liens and foreclose, but strict conditions and procedures apply.

The State Apparatus vs. The People: A Struggle for Autonomy

AB 36 California: How Permanent Pro Housing Rules Are Rewiring Local Incentives—and What Comes Next- Technical Read

AB-36 California: Strengthening Pro-Housing Designations for Local Jurisdictions- Quick Read

SB- 4: When the City of San Diego (or any other municipality) neglects to comply with State Housing Mandates, there are specific procedures to follow.

Artificial Intelligence: The Threat the Government Can’t Destroy-Technical Read

How truth-finding machines, born from code, are prying open a century of obscurity and secrecy.