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.

Search Results

Private Lending Is Subject To Real Estate And Securities Laws

Private lending in California is not “just real estate.” It is governed by both Real Estate and Securities Laws, and compliance is essential to protect capital and avoid penalties, helping lenders feel secure in their operations.

Hip Injections: Clinical Case Studies-

Hip pain—most commonly from osteoarthritis (OA), bursitis, labral pathology, or tendinopathies—affects function, mobility, and quality of life. Hip & Knee Together: About 40-50% of older adults experience pain in either their hip or knee joints, says Regenerative Institute of Newport Beach, Carolina Regional Orthopaedics, and Oxford Academic.

Hip Pain Management in 2026:

Evidence-Based Options from Steroid Injections to PRP and Total Hip Replacement

Unlocking Private Money Lending: Why Financial Service Networks Matter

Financial service professionals hold the keys to untapping lending opportunities. Accountants, planners, brokers, and attorneys aren’t just advisors—they’re powerful referral engines. Understanding loan types and private money lending can transform those relationships into revenue, making it essential to grasp this space for network growth.

“Cost of Taking a Hard Money Loan vs. Consequences of Losing the Opportunity To Make a Lot More Money”

Mini Example (Points/Rate vs. Deposit Loss)

✅ When to Use Private Money (Checklist + Case Studies + Successful Exits)

Lightning-Speed Closings with Private/Hard Money Loans: The Pivot When Urgency Hits

When a deal is about to collapse, speed becomes more valuable than rate. Highlighting private money’s quick turnaround can help you feel assured in saving urgent transactions, especially when facing a hard deadline—a deposit at risk, a seller threatening to cancel, or a bank adding “one more condition.”

Clear and Present Danger:

The Soon-To-Be Ex-Husband Tried to Sneak Behind His Soon-To-Be Ex-Wife and Encumber The Jointly Owned Home For A Real Estate Loan.

Try Being Deceptive With Your Soon-To-Be Ex-Wife And See What Happens.

When The Soon-To-Be Ex-Husband Tries to “F” Over Your Soon-To-Be Ex-Wife

Lousy Decisions in Government: A Never-Ending, Continuous Merry-Go-Around

Why They Happen, Why They Persist, and How to Reduce Them

“Sticky fingers” — meaning, usage, and origin

Meaning (what it means today)

Parkinson’s Laws: Designing Organizational Systems Against Bureaucratic Drift

When Compliance Reporting Becomes the End Product:

How Required Reporting Turns Bureaucracies into a Paper Reporting Treadmill and a Production Results Avoidance Machine

“Boneheaded Actions: Characteristic Actions Taken by Bureaucracies”

When Rules and Processes Replace Results

Low Wages: The Great American Paycheck Vanishing Act

In mid 2025, tens of millions of Americans are living in the space between “employed” and “secure.” The paycheck clears—then the rent, groceries, and car note clear it right back out. It is a dreadful financial treadmill.

Less Than Intelligent (Stupid) Decisions, from the California Government (Housing + Insurance Edition)

Why “fraudulently created, sold as reasonable policies” keep producing shortages, unaffordable premiums, and brittle systems — with case studies

Hip Replacement Surgery:

Effectiveness, Recovery, and Realistic Expectations

Union Influences in Public Education

- It is a major structural factor—and it intersects with the federal vs. state control debate in several ways:

“Brothers in Arms” Dire Straits’

At its core, “Brothers in Arms” is a heartfelt lament—a quiet, emotionally restrained anti-war song that invites listeners to feel the pain and loss soldiers experience, fostering empathy and understanding.

“Money for Nothing”: Dire Straits

The lyrics are written in-character: from the viewpoint of working-class guys watching music videos and scoffing at how “easy” musicians seem to have it—fame, money, attention—compared with physical labor.