Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Opinion & Prospective

Hear Dan’s viewpoints about how things work and the intended and unintended consequences, delivered with humor to keep you entertained and engaged.

They are delivered with humor, breaking down the barriers of reality, truths versus illusions, and manufactured narratives.

Search Results

What’s All That Stuff in Your Garage Really Worth?

Ever wonder if the items you’ve been storing for years have any real value? Spoiler: most of it doesn’t. That couch you’ve kept for a decade. It needs reupholstering. Those “Made in China” collectibles? No one wants them. And the traditional furniture you saved for your kids? They probably see it as junk.

The Allure of the Unattainable: Why Scarcity Creates Desire

Educating the Masses: Why America’s Schools Fail Students- Technical Read

“From diploma factories to talent pipelines.”

When Family Money Causes Contempt: Why Family Trusts Breed Conflict

Two brothers. One family trust. Zero agreement. When successor co-trustees can’t stand each other, personal agendas collide with fiduciary duty—and lenders get caught in the crossfire.

Personal Growth Strategies Only Work When They’re Well Defined—and Benchmarked

Most personal development plans don’t fail because people lack discipline. They fail because the “strategy” is vague, unmeasurable, and too easy to reinterpret when life gets busy. If you can’t clearly describe what you’re doing—and how you’ll know it’s working—you might feel uncertain about your progress, so clarifying outcomes can boost your confidence.

Business Strategies Only Work When They’re Well-Defined—and Benchmarked

Most strategies don’t fail because they’re “bad.” They fail because they’re vague, unmeasurable, and open to interpretation, especially once the pressure hits.

The Triple Advantage: Amplification, Asymmetry, and Leverage in Business Strategies

In business, the playing field is never level—and that’s where opportunity lives. The most successful companies don’t fight for symmetry; they exploit imbalance. They amplify small advantages, leverage resources, and turn asymmetry into dominance. These three forces—amplification, asymmetry, and leverage—are the engines behind exponential growth.

Business, Warfare, Security, and Strategy: Why Asymmetry Wins—and How Leverage Turns Imbalance into Power

Business, warfare, and technology share a common truth: the fight is rarely fair. When resources are unequal, the most brilliant actors don’t Play by symmetrical rules—they exploit imbalance. Asymmetry isn’t chaos; it’s strategy. When paired with leverage, it becomes effective. This highlights that strategic advantage is within reach, inspiring confidence in leveraging imbalance.

Entrenchment: Stagnation vs. Long-Term Stability

Walking on Sunshine: The Timeless Anthem of Joy

The Art of Hidden Motives:

Why Some People Offer to Exchange Pebbles for Mountains

Some Borrowers Intentionally Withhold Material Facts- Quick Read

A case study in due diligence, lender risk control, and why saying “no” is sometimes the most brilliant move.

“Agency Law Uncovered: Myths, Risks, and Compliance for Real Estate Professionals.”

Agency Law isn’t “just paperwork.” Misunderstanding disclosures, fiduciary duties, and broker responsibilities can undermine your confidence, lead to costly mistakes, and threaten your reputation.

Private Lending Is Subject To Real Estate And Securities Laws

Private lending in California is not “just real estate.” It is governed by both Real Estate and Securities Laws, and compliance is essential to protect capital and avoid penalties, helping lenders feel secure in their operations.

Hip Injections: Clinical Case Studies-

Hip pain—most commonly from osteoarthritis (OA), bursitis, labral pathology, or tendinopathies—affects function, mobility, and quality of life. Hip & Knee Together: About 40-50% of older adults experience pain in either their hip or knee joints, says Regenerative Institute of Newport Beach, Carolina Regional Orthopaedics, and Oxford Academic.

Hip Pain Management in 2026:

Evidence-Based Options from Steroid Injections to PRP and Total Hip Replacement

Unlocking Private Money Lending: Why Financial Service Networks Matter

Financial service professionals hold the keys to untapping lending opportunities. Accountants, planners, brokers, and attorneys aren’t just advisors—they’re powerful referral engines. Understanding loan types and private money lending can transform those relationships into revenue, making it essential to grasp this space for network growth.

“Cost of Taking a Hard Money Loan vs. Consequences of Losing the Opportunity To Make a Lot More Money”

Mini Example (Points/Rate vs. Deposit Loss)

✅ When to Use Private Money (Checklist + Case Studies + Successful Exits)

Lightning-Speed Closings with Private/Hard Money Loans: The Pivot When Urgency Hits

When a deal is about to collapse, speed becomes more valuable than rate. Highlighting private money’s quick turnaround can help you feel assured in saving urgent transactions, especially when facing a hard deadline—a deposit at risk, a seller threatening to cancel, or a bank adding “one more condition.”