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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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?

Have you ever found yourself in a situation where guests or relatives seem to prolong their stay? It's a familiar scenario that many of us can relate to.

Every visit follows a distinct pattern. It begins with a joyful phase of catching up and strengthening the relationship, then transitions into a phase where the guest or relative starts to feel at home in your space.

How Important Are The “5-C’s” in Credit Approval Decisions

The credit approval process is characterized by industry standards, best practices, related litigation references, and regulatory requirements from both state and federal levels.

The California Legislature allows the State to live with a backdrop of Marxist corruption.

“Los Angeles is one of countless examples of how the public sector will virtue signal to rob Peter, not to pay Paul, but to pay themselves, as they are not hiding the corruption.”

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?

All Governments Have the Propensity of Robbing Peter to Pay Paul

All governments, from democracies to dictatorships, employ organized and systemic redistribution to maintain power. This is evident in the allocation of government funds, tax policies, and social welfare programs, all of which are designed to maintain the status quo and prevent social upheaval.

AB-130: How it Damages Subordinate Financing in California, for Residential Property

AB 130 was signed into law by Gavin Newsom on June 30, 2025

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

When I tried to Reach Out to him, it Felt Like I Was Hitting a Brick Wall. Open Communication Seemed Impossible.

We often find ourselves amid challenging situations, where miscommunication acts as a formidable barrier. It's like being trapped in a maze, with no visible escape route.

What's the Difference Between Ignorant, Ill-informed, and Just Plain Stupid People?

Pondering this question makes little sense, but it is a fun exercise, all in the name of simple humor.

I’m as Mad As Hell, And I’m Not Going To Take This Anymore

The classic movie Network (1976) was a satirical drama film that had far-reaching implications about the American Enterprise.

A Borrower Operates With Very Little Skin in the Game, Trying To Maximize Profits

Maximum Leverage May Be Beneficial To The Borrower or May Be Used to Transfer the Developer’s Risk to the Lender

How has our approach to fashion transformed from the structured elegance of the 1950s to the current era of relaxed and individualistic styles?

Would you call today's version the relaxed fit or the unkept, non-conforming and a messy fit?

SB-1079: Modifies The Foreclosure Procedure of Residential 1 to 4 Properties In California

Another Monstrocrity law on the books modifies the foreclosure procedure. It serves to remove protective equity rights from trust deed investors and lenders, transferring the financial benefits to a special class as dictated by the regulation.

When I Line Up Three Ordinary People Who Have Similar Characteristics And Lack Distinctions, What Do I Get

Just Another Tom, Dick, and Harry

Real Estate Bubble or No Bubble: Let's Look Back at 2007 and the Mother of All Economic Crashes.

May 2010: Warren Buffett- “Very, very few people could appreciate the bubble,” which he called a “mass delusion” shared by 300 million Americans.

AB-2424: The California Legislature Has Passed Another Monster Law, Making It More Difficult To Foreclose On 1-4 Residential Units

AB 2424 is another law full of financial traps for lenders because it delays foreclosures, by extending the foreclosure period almost, almost, but not quite, idefinitely.

We're like two peas in a pod

This idiom refers to friends or people in general who are very similar in appearance, behavior, character, values, and ideologies.

Let’s Get Out OF Dodge, restated, Let's Get Out Of California

This famed idiom is used to suggest leaving uncomfortable places. Alternatively, staying may result in dire consequences.

Frankly, My Dear, I Don’t Give A Damn

Tell Someone You Were Close To Exactly How You Feel When The Relationship Turns From Intimacy To Disgust.