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.

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“Chicken Scratches:” It’s About Penmanship, Not A New Dance Craze.

Commercial Loan Structures & Strategies: Guide for Income Property Investors (2026 Edition)

When Most Students Claim Disability: How It Affects Quality Education

Does the process become a systematic form of fraud, like many other subsets of the American Enterprise? There appears to be systemic fraud (conning the system) in almost every subgroup of the American Enterprise. How much fraud in the American enterprise is possible without toppling the entire system?

Functional Illiteracy: Quick Read Part II

A Silent, Systemic Crisis—and How to Fix It –Quick Read

A Silent Crisis in America: Quick Read Part I

“You Are So Beautiful”

How Joe Cocker Turned a Simple Lyric into a Timeless Anthem

“It’s a Wonderful Life”

A book and a movie

AI, Socialism, and the Future of Human Agency

Human agency is the capacity of individuals to act independently, make their own free choices, in their own best interests, and exert influence over their lives and in the world around them.

Conspiracy of Fools: A Book Review

Overview of Conspiracy of Fools by Kurt Eichenwald

The Creature from Jekyll Island:

A Second Look at the Federal Reserve by G. Edward Griffin:

Influential People and Bailouts by the Government:

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

Bail-ins vs Bailouts: Two Paths to Crisis Resolution in Banking

More of the same; The rich people take significant risks- if anything goes wrong, the government borrows money out of thin air and fixes the problem. The ordinary taxpayers are left on the hook for losses. There has never been a greater moral hazard dividing the rich from the ordinary people.

Government Intrusion and the Underground Economy: The Feedback Loop

Excessive government intervention—through laws, regulations, litigation risks, taxation, and punitive measures—creates a cycle that perpetuates informality and secrecy

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

The Traveling Wilburys

The group stands out as one of the most influential supergroups in rock History, shaping the genre’s evolution and inspiring many fans and musicians.

Influential People and Bailouts by the Government:

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

“Cattywampus”

Meaning and History is a fun, quirky term in American English, ubiquitous in the Southern and Midwestern regions, helping readers identify its regional context and appropriate usage.

“The Old Testament: The Foundation of Christian Faith”

The Old Testament profoundly shaped the formation and growth of Christianity in several key ways:

The Jesus Movement: How a Non-Political Faith Transformed the World

The “Jesus Movement” began in first-century Judea as a small, persecuted sect within Judaism and has since become a global faith with roughly 2.6 billion adherents today. Its growth is extraordinary: Christianity expanded without state-building, without armies, and for its first three centuries, often against political power.