Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

Welcome to DanHarkey.com

Master Educator | Business & Finance Consultant | Mentor

With over 50 years of experience, Dan J. Harkey has helped thousands navigate the complexities of real estate finance, and personal development. Whether you’re an investor, entrepreneur, or seeking financial wisdom, Dan provides actionable insights to help you succeed.

Giving back to the real estate community and helping others is a proven method of developing lasting and sustaining relationships and friendships.

Dan brings a wealth of knowledge spanning back to 1972. In addition to a life teaching credential, and has owned and operated a successful real estate sales company, mortgage company, escrow company, general insurance brokerage, and property management company.

Dan J. Harkey is a distinguished real estate consultant and educator who has given 350 seminars and written hundreds of insightful articles, all designed to improve the lives of his student partners.

Start Exploring Dan's Expert Articles on Business Growth, Real Estate, Finance, and Personal Development

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How Can Dan Help You Today?

Business Insights

  • Understand market trends, risk assessment, and profit potential
  • Learn proven strategies to maximize returns
  • Gain exclusive access to expert analysis from an industry veteran

Real Estate & Economic Trends

  • Navigate the evolving landscape of real estate finance
  • Make informed investment decisions with expert guidance
  • Stay ahead with in-depth economic insights

Reinventing Yourself & Personal Growth

  • Overcome challenges and embrace change with confidence
  • Develop resilience and unlock your full potential
  • Discover strategies for long-term personal and professional success

What Others Are Saying

Dan is a modern-day polymath. The depth and scope of his articles are remarkable….K. Cohen

— K. Cohen

Why Learn from Dan?

  • 50+ Years of Experience in real estate finance & lending
  • 350+ Seminars & Hundreds of Published Articles
  • Successful Entrepreneur – Mortgage, escrow, insurance, & property management
  • Proven Track Record – Helping investors & professionals build wealth

Dan's Latest Articles

Articles written by Dan Harkey contained in the website are for educational purposes only and are not intended to be comprehensive. Some articles contain opinions expressed by Dan Harkey that may be inconsistent with the views of others.

Dan Harkey’s articles are Not to be construed or relied upon as legal or accounting advice. Each subject written about is complex and may require the advice of qualified professionals in the subject areas discussed.

Qualified professionals typically include, attorneys, accountants, appraisers, architects; and environmental, soils, structural, and civil engineers. Consultation with title insurance and escrow officers; with construction, development, and other business experts may also be appropriate.

Why “Quagmire” Is the Perfect Word for Modern Business—and How to Avoid Getting Stuck at All Costs

California’s Punitive Bureaucracy: A System of Control and Economic Coercion

SB-748: Safe Parking Sites and Local Responsibility for the Unhoused

California Senate Bill 748 (SB-748), signed into Law in September 2025, marks a significant expansion of the state’s approach to homelessness—specifically addressing the needs of individuals living in vehicles. The bill modifies the existing Encampment Resolution Funding (ERF) program to include support for safe parking sites, offering local jurisdictions new tools to manage and assist vehicle-based homelessness.

Too Good to Be True: The Anatomy of High-Yield Investment Scams

America at the Crossroads: Are We Ready to Ask Hard Questions?

America is standing at a crossroads, and the time for action is now. For too long, we’ve skirted the most uncomfortable questions about what’s wrong in our country. Government leaders have evaded them because they’re politically costly. Mainstream media has sidestepped them because nuance doesn’t sell. But the cracks are widening, and the cost of silence is becoming unbearable.

Government Efficiency Isn’t a Dirty Word—It’s Stewardship

Government inefficiency is characteristic of entrenched bureaucracy.

The Importance of Resilience in Business

In today’s volatile business environment, resilience isn’t just a desirable trait—it’s a transformative survival skill that can inspire and motivate. Markets shift overnight, technology disrupts entire industries, and global crises can upend even the most carefully laid plans. Resilience empowers businesses and leaders not only to adapt but also to transform, recover, and thrive in the face of uncertainty.

“Crap Shoot” in Business: Origins and Applications

The phrase “crap shoot” originates from the gambling game craps, where players roll dice and outcomes depend entirely on chance. The term evolved into a metaphor for situations where results are unpredictable and largely outside one’s control. In business, this concept resonates deeply because many high-stakes decisions involve uncertainty despite careful planning.

How Pronounced is State-funded Chaos in the USA?

The concept of state-funded chaos in the United States can be interpreted in several ways; however, historically, it most often refers to instances where government actions—whether intentional or due to dysfunction—have led to widespread disruption, instability, or erosion of public trust. Government actions are directly to the benefit of the government apparatus and against the best interests of the people.

What Sparks Real Change? The Psychology Behind Life’s Turning Points

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