Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

California Economy

"Onerous Laws & Regulations” and “Unintended Consequences” are the State’s Most Reliable Output.

A reality-based look at housing, lending, regulations, and the consequences nobody expected, nor budgeted for.

California isn’t just an economy—it’s a live experiment in what happens when ambition meets regulation, and regulation meets… more regulation. I break down what’s really driving outcomes in housing, insurance, construction, and credit—tracking the intended and unintended consequences all the way to NOI, DSCR, and deal viability. Humor included, because if you don’t laugh at policy irrational logic, you’ll end up crying into your escrow impound account.

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Institutional Theft: The Systematic Transfer of Wealth from Ordinary Taxpayers to The Elites.

The people are kept busy through entertainment outlets and through continuous propaganda to ensure the status quo. The process occurs repeatedly with only minor grumbling by the people.

Purchasing Habits-Manipulated: What Are The Consequences

Manufacturers must understand and meet their purchasers' needs. When this understanding is lacking, it can lead to misallocation of assets, resulting in losses for the manufacturer and a lack of customer satisfaction and confidence in the brand. U.S. corporations have a long history of creating public relations crises, often due to this very reason.

Caution, Zombies Ahead: Enter at Your Risks?

The experience may be devastating, the outcome full of chaos, and the emotional aftermath will be long-lasting. Be fully aware of the potential dangers that may lurk ahead; an ambush may be lying in wait.

The U.S. as the World Reserve Currency Status Holder

The U.S has been the world reserve currency holder since 1944, but can it last? Currently, there are major competing forces, including BRICS, which was initiated by China, Russia, India, Brazil, and South Africa, that now boast 22 applicants to become members. This is a giant international socio-economic cosmic shift in power dynamics.

Appraisers' Opinions of Values: All Are Not Equal

Some Appraisal Reports Are Useless

The War on Political and Cultural Marxism Is Alive, Ongoing, But Has Been Substantially Weakened.

Why: The Dems are in compliant submission, and the Repubs are Feckless: The Repubs lack purpose, without practical skills, ineffective, incompetent, subversive agendas. The army of ordinary people must fight back against the entire system to regain their culture of freedom and democracy.

As the Public Discovered That The Response to COVID-19 was a Fraud, and wearing the Mask Was A Political Statement, Gaslighting was the Government’s, Large Corporations’, and Big Pharma’s Answer to Avoiding Responsibility

Gaslighting is “psychological manipulation,” causing the public to question their reality about the effectiveness of the phony vaccine. They relied on “phony, illusory science” because most of the testing was on mice, not human beings. The reality was that the phony vaccine was a gene-modifying mRNA substance.

Real Property Liens and Encumbrances: Recorded Claims Against Properties

Affecting Real Property Ownership

Shoplifting Begets Financial Losses for the Business Owners, Causing Them To Close Up Shop In Mass.

Financial losses render the business unprofitable, and therefore, there is no motivation to continue operating.

Wimpy, Buy Now, Pay Later! A Lesson in Government Spending

Like Wimpy, who practices getting things today and deferring payment until later, the government subscribes to the same principle.

Make Profits Purchasing Promissory Notes Secured by Real Estate

Note purchases are a large, sophisticated industry designed for sophisticated investors, typically those who are accredited.

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

Investors Find Good Yields with Private Money Trust Deed and Mortgage Investments

Investing in trust deeds and mortgage investments is popular because the yields are high compared to similar investments, considering the associated risks, management, and time consumption.

Legacy Media as an Arbiter of Truth Is Dead, and No Time Too Soon

Since the days of Edward R Morro, the media has served as an establishment propaganda arm. Their pay was power, access, and advertising dollars while they sold out the American public.

Private Money: Procedures and Strategies for Loan Originations

How do brokers and lenders locate hard money loans?

SB-549: We Could Have Guessed That This Was Coming:

The California government, using taxpayer dollars, gets into the development game in the Palisades and Eaton fire rebuilding efforts.

When I Was Much Younger, Having Differing Opinions was a Minor Irritation.

You jabbed at friends who thought differently, suggesting they had inferior intelligence or were uneducated, laughed about it, and had a beer together, essentially getting on with life as it should be.

“Skate By”: Means Sliding by Without Doing Any Visible Productive Work or Expending Any Effort.

Have you met people who accomplish little, make little, or no progress, but seem to meander through life and appear as normal?

The California Shifting Real Estate Landscape: High-Density Housing on Steroids

The California Legislature has passed laws that significantly alter the development approval process, shifting it from local municipal jurisdiction to the state level.