Dan J. Harkey

Educator & Private Money Lending Consultant

Personal Growth & Development

Dan’s personal and professional growth guide can be a powerful tool for success. Dan's many articles cover success practices, such as goal setting and time management, sales approaches like relationship building and negotiation, time allocation, and reinventing yourself.

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1984 by George Orwell: Book Review

Published in 1949, George Orwell’s 1984 is a dystopian masterpiece that has become a cultural touchstone for discussions about surveillance, authoritarianism, and the fragility of truth. Set in a totalitarian state where the Party controls every aspect of life, the novel explores themes of power, control, and resistance in a world stripped of freedom.

The Jungle: The Novel That Changed America—and Why It Still Matters

When Upton Sinclair published The Jungle in 1906, his intention was clear: to expose the brutal exploitation of immigrant labor in America’s industrial cities. What he didn’t expect was that his vivid descriptions of unsanitary meatpacking practices would spark a national outcry and lead to the passage of landmark legislation. “I aimed at the public’s heart, and by accident I hit it in the stomach.” —Upton Sinclair

The Grapes of Wrath: A Timeless Portrait of Struggle and Solidarity

By John Steinbeck – A Review When John Steinbeck published The Grapes of Wrath in 1939, America was still reeling from the effects of the Great Depression. The Dust Bowl had driven thousands of families from their land, and the promise of California as a land of opportunity lured many westward. Steinbeck captured this migration in a novel that is both a deeply personal family saga and a sweeping social critique. Eighty-five years later, its themes, which eerily resonate with our current social and environmental crises, remain hauntingly relevant.

The Power of Repetition: How Lies Become “Truth” and How to Fight Back

Propaganda, a potent force that thrives on a simple yet powerful principle: repeat a lie often enough, and it begins to feel true. This isn’t just a political tactic—it’s a psychological phenomenon deeply rooted in how our brains process information. Understanding why repetition works—and how to counter it—is not just important, but urgent in today’s media-saturated world.

What Does It Really Mean to Be Purpose-Driven?

We hear it all the time: “I’m purpose-driven.” But what does that mean in practice?

“Send in the Clowns.” Origin and Meaning.

The phrase “send in the clowns” has both a literal origin and a figurative meaning that evolved:

"The Invisible Obstacle: How Secretive Bureaucracies Undermine Progress"

Many employees are so entrenched in their jobs as to create an aura of business activity without disclosing anything to the manager or the leadership. Sally has been with us so long that “I’m confident she is doing her job.” But Sally is deeply entrenched, while playing the quiet-quitting and quiet resignation. She is victimizing her company. This is particularly prevalent when affirmative action is part of the equation.

The Life and Times of Mark Twain

Mark Twain was born Samuel Langhorne Clemens on November 30, 1835, in Florida, Missouri, and grew up in Hannibal. This Mississippi River town later inspired the fictional St. Petersburg in The Adventures of Tom Sawyer and Adventures of Huckleberry Finn. His childhood was marked by both idyllic river life and harsh realities like poverty, disease, and slavery, which profoundly influenced his later writings.

“Johnny-Come-Lately”: How a 19th Century Quip Became a Go-To Put Down for Latecomers

Few idioms pack as much nuance into a hyphenated mouthful as “Johnny-come-lately.” What began as a simple tag for a newcomer now carries shades of opportunism, imitation, and bandwagoning—handy in boardrooms, politics, and pop culture alike.

Significance of The Three Billy Goats Gruff

The Three Billy Goats Gruff is a classic Norwegian fairy tale first collected by Peter Christen Asbjørnsen and Jørgen Moe in the 1840s and later translated into English in 1859. It belongs to the Aarne–Thompson folktale.

The Hidden Driver of Productivity: Why Engagement Matters More Than You Think

Executives often focus on tools, generally technical, time management, and objectives and key results (OKRs). However, the key factor that consistently distinguishes ordinary performance from exceptional results is engagement.

The Hidden Driver of Productivity: Why Engagement Matters More Than You Think

Executives often focus on tools, generally technical, time management, and objectives and key results (OKRs). However, the key factor that consistently distinguishes ordinary performance from exceptional results is engagement.

A Case for Intrinsic Motivation: Why People Want to Learn, Work, and Excel Without Coercion

People do not need compulsion from the state—or any heavy-handed authority—to learn and get ahead. They need conditions that unlock the empowering force of intrinsic motivation: autonomy, competence, and relatedness.

The Life and Times of Mr. Rogers

Fred Rogers—known to millions simply as Mr. Rogers—was a profoundly influential figure in American television and childhood education

John Stuart Mill’s Contributions to Freedom: Historical Context and Impact

“The only purpose for which power can be rightfully exercised over any member of a civilized community, against his will, is to prevent harm to others.”

John Stuart Mill: Historical Context and Enduring Impact

John Stuart Mill (1806–1873) wrote in the long shadow of the Industrial Revolution and the Victorian reform era—a period marked by expanding literacy, democratization, religious pluralism, and unprecedented social mobility, but also by entrenched hierarchies and intense pressure to conform.

How People Develop Their Frame of Reference—and Why It Matters in Business and Finance

Discover how frames of reference shape decision-making in business and finance. Learn the key factors that influence perspectives and why understanding them is critical for success.

W. Edwards Deming: The Architect of Modern Quality Management

W. Edwards Deming (1900–1993) was a statistician, engineer, and management visionary whose ideas transformed global industry. Best known for his work in post-war Japan, Deming introduced principles that shifted quality from an inspection-based activity to a management-driven, systemic process.

Joseph Juran and the Pareto Principle: How 80/20 Thinking Transformed Quality Management

Joseph Juran, a pioneer in quality management, introduced the transformative power of the Pareto Principle—the idea that a small number of causes often account for the majority of effects.

Practical, Evidence-based Ways to Mitigate Internal Body Inflammation:

Inflammation is telling us that it is involved in the process of recognizing and removing harmful and foreign stimuli, as well as potential disease-causing substances. The process is part of our body’s defense mechanism.

How to Win Friends and Influence People

How to Win Friends and Influence People by Dale Carnegie is a classic self-help book focused on improving interpersonal skills, building relationships, and becoming more persuasive and influential in both personal and professional settings.

The Power of Positive Thinking: A Practical Guide to a Resilient Mindset You Can Start Using Today

In a world increasingly defined by uncertainty, stress, and rapid change, the ability to maintain a positive outlook is more than just a feel-good mantra—it’s a strategic advantage.

Book Review: Think and Grow Rich by Napoleon Hill

Think and Grow Rich (1937) by Napoleon Hill is one of the most influential self-help books ever written, selling over 70 million copies worldwide.

The Illusions That Shape Our Daily Lives

We like to believe what we see in the world. Much of what we accept as “truth” is built on illusions—mental shortcuts and comforting beliefs that help us navigate complexity

Is Affirmative Action Marxist? Separating Myth from Reality

Few topics spark as much debate as affirmative action. Critics often claim it’s rooted in Marxist ideology. But is that true—or just a convenient talking point?

Entrenched Bureaucracy and Legislative Burden: A Compounding Threat to Profitability in California’s Real Estate and Insurance Markets

Bureaucracy, onerous laws, and regulations are the economic cancers that continue to metastasize, inflicting severe damage to organizational efficiency and profitability.

Understanding Family and Friendship Breakdowns in Polarized Times: Identity, Ideology, and Estrangement:

In an era of heightened ideological polarization, families across America are grappling with a painful reality: loved ones becoming so radicalized that they reject facts, embrace illusions, and sever ties with anyone who disagrees.

The Structural Shift in Remote Work Since COVID-19, and What Comes Next

COVID-19 has transformed remote work from a niche perk to a mainstream operating model. This structural shift, after a sharp pandemic spike and a partial retreat, has now stabilized at a new equilibrium—sector-specific, skill-weighted, and globally uneven.

Parkinson’s Laws - About Personal And Organizational Structure

C. Northcote Parkinson: Timeless Insights for Modern Business

The Life and Times of The Iconic WolfMan Jack

Here are some of Wolfman Jack’s most memorable and iconic statements that capture his personality and philosophy: Wolfman was the most iconic radio disc jockey in history. His approach was authentic and truthful to the common person, which made him real in their minds, including me.

The Great Transformation: Transforming Ourselves, Our Country, and Our Way Of Life.

The primary transformation is about ourselves, as we learn and adapt to the rapid changes around us.

Idioms: Learning about idioms is not just an exercise; it’s a fun journey into the cultural history of language.

Idioms are not just linguistic tools; they are cultural treasures that carry the vivid imagery and history of a society. Here are 20 of the most significant idioms, each with its own unique story and cultural significance:

Who is Howard Roark from the Novel, The Fountainhead?

Howard Roark is the protagonist of Ayn Rand’s 1943 novel The Fountainhead. He’s a fiercely independent and idealistic young architect who represents Rand’s philosophy of individualism and creative integrity. Roark is known for his uncompromising commitment to his own architectural vision, refusing to conform to traditional styles or societal expectations.

“Who is John Galt?”

Who is John Galt?” This enigmatic question, immortalized in Ayn Rand’s novel, Atlas Shrugged, published in 1957, serves as a poignant expression of despair and confusion in the face of societal decline and bureaucratic overreach.

The concept of benchmarking and how critical thinking contributes to its success

Benchmarking is a strategic process used in business, economics, and management to measure an organization’s performance against industry best practices or best practices from other sectors. It helps identify areas for improvement, set performance goals, and drive innovation.

Critical Thinking Has Deep Historical Roots:

The concept of critical thinking has deep historical roots, but it was Socrates (469–399 BCE) who is widely credited as one of its earliest pioneers. Through the Socratic method, he encouraged questioning assumptions, examining beliefs, and seeking clarity through dialogue—principles that are foundational to critical thinking today.

Henry David Thoreau’s Life and Major Works

Thoreau was one of America’s originalists and no conformist. From refusing to pay a poll tax to spending two years alone on Walden’s Pond, his super famous essay, "Civil Disobedience, reflects profound thinking and reasoning. Any enquiring critical thinker and non-conformist will want to explore this world-class historic character.

Peter Drucker: The Father of Modern Management

Peter Ferdinand Drucker (1909–2005) is widely regarded as the father of modern management. His pioneering work laid the foundation for contemporary management theory and practice. This essay examines Drucker’s biography, key contributions, influence on both the business and nonprofit sectors, and his enduring legacy.

Ernest Renan, a Great Philosopher, Historian, and Scholar of Religious Faiths

Renan was considered one of the greatest intellectuals in history, particularly in his studies of religion. His name and writing should be brought up more frequently due to his profound perspectives. His writings are memorable to any reader, providing insight into the origin and purpose of religious faiths.

Ralph Waldo Emerson: A Brief Overview Of A Great American Intellectual

Ayn Rand vs. Adam Smith: A Philosophical Comparison of Self-Interest

Ayn Rand’s many books are a preferred go-to for accumulating knowledge of self-interest, self-sufficiency, and one’s contribution to society. Her view is that by prioritizing self-interest, humanity as a whole will be better served. Adam Smith referred to this concept as the invisible hand.

The History of Self-Sufficiency and Individual Accountability

In America, we seem to have lost the supreme values of self-sufficiency and individual accountability, replacing them with collectivism and entitlement, where no one is held accountable. Our society has become a free-for-all frenzy without consideration of the long-term effects.

The Power of Benchmarking as a Necessary Component Of Success

Benchmarking every task and project is not just a routine, but a crucial practice for continuous improvement. It helps in identifying opportunities for efficiency and informs data-driven decisions. This process provides an objective, reality-based view of performance, allowing you and your team to move past assumptions and guesswork.

Benchmark Each Task to Maximize Results in Terms of Time and Effort.

In the context of evaluating various jobs, benchmarking is a crucial process that allows you to compare the duties, responsibilities, qualifications, and compensation of specific jobs against a standard or reference point. This reference point often plays similar roles in other organizations or industry norms. By doing so, you can ensure that your job roles are competitive, fair, and aligned with industry standards, which is essential for attracting and retaining top talent.

Temperance: The Virtue of Self-Control

Temperance is one of the classical cardinal virtues, often defined as moderation in action, thought, or feeling. It involves: Self-restraint, balance, and discipline.

A Chorus of Personal Liberty

People experiencing poverty and the middle class beat their drums, A chorus rising—“This freedom is all that comes.”

The Poor and the Middle Class Beat their Drums—

A chorus of voices crying, “We are as free as we’ll ever be.”

“Tip of the Iceberg”: Overview, Origin, and Usage

A popular idiom, "Tip of the iceberg," refers to the portion of something immediately apparent, which obscures the deeper complexity (i.e., the underwater portion of the iceberg) of the subject being discussed.

Our Dilemma in Life and Learning about Those Who Lie: From Coercion or Conviction?

It’s a widespread and distressing trend: in some cases, up to 90% of college students feel they must provide false feedback to their professors. This is not just to avoid being labeled as adverse to the ideological leaning and indoctrination of their professors, but to protect their academic future.

His Son Is A Bump on a Log: He Referred His Son For Employment. What a Mistake for Unsuspecting Employers.

My friend asked me to hire his unmotivated and uncaring son as a personal favor to him. The son's attitude is a product of family upbringing and today's public education establishment that promotes entitlement and collectivism, rather than individual accountability and self-sufficiency. I declined.

When people asked me for advice on achieving success, I was more than willing to offer it. Here is my advice.

Unsolicited advice to others is a waste of resources, which irritates those who didn’t ask for it. But when people ask for your advice, be charitable.

How To Reinvent Ourselves, Part II

When Failures Are Within Our Control

Systemic Failures Outside Our Control: Part I- Reinventing Ourselves

How To Respond When Systemic Failures Are Outside Our Control

Treating Others with Dignity and Respect Starts With Us

A peaceful coexistence with others is part of our cultural heritage, encompassing interactions with nature, government, institutions, businesses, personal relationships, strangers, and our beloved pets.

Private Money: Procedures and Strategies for Loan Originations

How do brokers and lenders locate hard money loans?

A text message arrived on his birthday from the kids, “Hi, Dad, just wanted to wish you a happy birthday. See you later!”

No update on the kids, no mention of the grandbabies, no pictures, and no reinforcement proving the strength of family ties. Dad’s heart sinks and suffers a big thud, with a feeling of disappointment, depression, and isolation.

Welcome to The Friendly Town of Successville

Welcome to Successville, a satirical take on a society obsessed with negative connotations and warnings.

Using Time Management Tools: Magnifying the Value of Our Time

We can magnify the results by leveraging our time to boost productivity and still allow time off for personal life and family.

Eliminate Time Wasters in Personal Life and Business

A Good Percentage of Our Days is Spent Flittering Around Without Getting Results: The question remains, why?

Empower Yourself: Are We Surrounding Ourselves with Positive, Kindred Friendships?

Individuals around us exhibit diverse attitudes and behavioral patterns. We may fit into one or more ourselves. Make sure, they are positive cohorts?

The more we learn about the habits of others, the more effective we will become in our personal and business lives

There is great value in determining who to associate with and who to avoid: Some relationships are better left alone

Actions, Attitudes, and Behavior Patterns

The more we learn about the habits of others, the more effective we will become in our personal and business lives

The Savvy Private Money Broker: Uncovered Significant Material Facts In A Potential Loan Transaction

The Borrower Intentionally Hid Pertinent Information

Louie, I Think This Is The Beginning Of A Beautiful Friendship

Casablanca (1941), a cinematic masterpiece featuring Humphrey Bogart (Rick Blaine) and Ingrid Bergman (Ilsa), is a captivating blend of romance and political intrigue. Its unique narrative and compelling characters make it a timeless classic.

Life Of A Self-starter: A Lifelong Journey

Self-starters are purpose-driven, intrinsically motivated, action-oriented, and demand to get things done.

Building Social Capital Through Personal Branding & Self-promotion

The Shifting Landscape in Marketing Techniques

Friends Do Business with Friends Is A Life-Sustaining Premise

Developing Long-Lasting Relationships Is A Key To Business Success As Well As Life’s Satisfaction Level

The Grass Is Not Always Greener On The Other Side

When individuals take the time to Examine Their lives and Economic well-being introspectively, they often find themselves comparing to others, believing that the grass is greener on the other Side.

Networking Professional Service Providers with Large Networks of Their Own

Are A Valuable Referral Sources For Private Money Lenders

I Don’t Get No Respect

But, Have I Earned Respect From Others

10 CONCEPTS FOR PERSONAL AND BUSINESS SUCCESS

Common assumptions about how personal lives operate and businesses function

Plan Your Daily Activities: Get Your Ducks In A Row

Organize your day. Write down your goals, and check off each completed task.

Or, Whatever: As A Speech Habit

Is The Term, Whatever, A Fill Word Or Meant As A Deflection

Where Does Personal Power Come From?

Did We Earn It, Inherit It, or Get It From A Monopolistic Institution Like Government, Who takes it by brute force

The Most Difficult Habit To Break Is Giving Advice To Other People

Give advice when asked for by the other party or when you have a financial interest, such as making money. Otherwise, keep your mouth shut.

The Perilous Plight of Being 'Up A Creek Without A Paddle'

Reference: In a tight spot, in a tough spot

Did We Miss The Boat?

Did we fiddle around and miss an opportunity?

Do We Risk Being Ourselves?

Our uniqueness is a tool that helps us define our path to success.

Kick The Can Down The Road ( Delay Hard Activities Or Decisions)

Why Do Today What We Can Put Off Until Tomorrow?

Hitting the Threshold of Complexity:

Understanding and Managing Personal and Professional Growth

Are We Allocating Our Time and Resources Correctly?

Time is a precious, limited, and non-renewable resource; once it is gone or wasted, it is gone forever

Worry is a wasted emotion.

Worry is a Useless Emotion

Keep the Change, You Filthy Animal: A Phrase for the New Work From Home Culture

technological innovations allow workers be productive at home and eliminated the need for much of the office space

Personal Branding & Self-promotion

The Shifting Landscape in Digital Marketing Technologies

Eliminate Time-Wasters In Sales Career

Focus On Gaining Efficiencies

Strategies for Successful Loan Closings

Turn a Planned Strategy into an Action Habit

The 80/20 Rule

Leverage Your Effectiveness

Escape From The Jungle Of Working To Much

Rejuvenate Yourself With Time Away From Work Pressure

Who Do You Want to Associate With? Empower Yourself:

Intelligently, Associate With Kindred Spirits

Friends Do Business with Friends

Work on Creating Lasting Relationships, In A World of Short Term Sensational Attention Getting Media Post

How To Reinvent Yourself, Part II

When Systemic Failures Are Within Our Control

How To Reinvent Ourselves, Part I

Time Allocation

Use The 80/20 Principle

A Successful Person’s Best Practices

Adapt to Changes Required For Continuous Personal Growth

On Being Ourselves As A Unique Sovereign

Take Ownership of Ourself and Our Worth

Who Moved My Marketing Techniques Cheese?

The Shifting Landscape in Effective Marketing Techniques

Life Of A Self Starter

Break Out Of Conventional Biases Against Age

Are We Correctly Allocating Our Time and Resources?

Treat Others with Dignity and Respect

They Will Treat You The Same

Attitudes, Actions, and Behavior Patterns

We are defined by those that we closely associate with