Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

California Economy

Search Results

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

For over a century, the American political and economic system has been shaped by entrenched interests, opaque institutions, and narratives designed to maintain control. Today, a new force, Artificial Intelligence (AI), is emerging as a potential disruptor, not because it seeks power, but because it serves as an arbiter of truth. And truth, uncovering a system built on deception, is revolutionary.

Poof! My Deal Just Went Up in Smoke: Why Real Estate Transactions Collapse and How to Salvage Them

In real estate, few things are more gut-wrenching than watching a deal unravel after weeks of effort. One moment, you’re celebrating a signed purchase agreement; the next, you’re explaining to your client why the closing won’t happen. Deals fall apart for many reasons—some preventable, others unavoidable. Understanding these pitfalls and remedies can save time, money, and relationships.

Property Transfers of Related Parties to Related Parties: California Statutory Exclusions From Property Tax Reassessment Under the Revenue and Taxation Code and Related Rules:

Interested parties should consult with their lawyer or CPA.

The Wealthy Class and Everyone Else – Part III of III

Financial Repression

Wrongful Convictions in the U.S. Criminal Justice System

The statistics on wrongful convictions in the U.S. criminal justice system reveal a troubling pattern of innocent individuals being prosecuted, found guilty, and later exonerated. The criminal justice system, in many cases, is more interested in a conviction than in the truth. This dreadful system may be of interest only to the falsely accused, their families, and their friends. Also, many innocent parties are forced to plead guilty to avoid a longer sentence. The system is flawed, and too little is done about it.

The Wealthy Class and Everyone Else – Part I of III

Debt, Inflation, and the Architecture of Cronyism

Are We Living Through a Not-So-Quiet Revolution

Something feels broken. We’re told every day that America is thriving, that the economy is strong, and that opportunities are everywhere. But if you’re living in the real world, you know that’s a fantasy. The truth? We are already in the early stages of a revolution. This is not the kind of muskets and barricades, but a profound, systemic upheaval that is reshaping our understanding of what it means to live in this country.

Skilled Trades Surge: America’s Quiet Workforce Revolution

Fix-and-Flip Loan Submission Checklist

Here’s a tailored Fix-and-Flip Loan Submission Checklist for mortgage brokers preparing a package for lenders.

Hard Money Loan Submission Checklist

Here’s a Hard Money Loan Submission Checklist specifically designed for mortgage brokers working with private or non-institutional lenders. These lenders typically prioritize asset-based lending, speed, and clear risk mitigation.

Loan Submission Package From a Mortgage Broker to a Lender

An effective loan submission package from a mortgage broker to a lender should be clear, complete, and compelling, enabling the lender to quickly assess the loan’s risk and viability.

Unlock High-Yield Opportunities with Fractional Trust Deed Investing

Looking for strong returns with a hands-off approach? Fractional trust deed investing offers private investors a secure, flexible way to participate in real estate lending—without the headaches of property management.

Setting Up a Professional Executive Loan Summary for Prospective Lenders

Procedures for the Initial Loan Inquiry to Earn Origination Fees

Best Practices for Procuring Brokers

Fractional Trust Deed Investors: Ownership as Tenants-in-Common

Socialism: Broadly Defined.

I tend to write a lot about socialism because I do not think most ordinary people understand what they are in for.

The Party of Wealth Behind the Veil of Socialism

The Economic Treadmill: Wealth Disparity, Debt, and the Illusion of Prosperity- Expanded Read

With Historical examples illustrating similar economic conditions and societal responses:

The Economic Treadmill: Wealth Disparity, Debt, and the Illusion of Prosperity- Quick Read

In today’s urgent economic landscape, the chasm between the top 10% and the bottom 50% has widened to unprecedented levels. The top 10% of the financial structure now commands about 64% of the nation’s wealth, while the bottom half holds a mere 2.5%. This stark imbalance is not just a statistical reflection of a system that increasingly favors capital over labor, privilege over perseverance.

Why Are Government Employees Included in GDP Estimates From The Department Of Labor?

GDP measures the market value of all final goods and services produced within a country during a specific period. Government services—such as education, defense, public safety, and administration—are considered part of this output even though they don’t produce tangible goods. In particular, government employees' output is marginal at best, and more of a cost factor than a productive factor.