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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Car Invoice Price and Dealer Markup: Part II of III

The real negotiation usually begins when you sit down with the closer (a.k.a. the finance Manager or sales Manager)

Car Invoice Price and Dealer Markup: Part I of III

Smart Tips for Buying a Vehicle with Confidence

When The Customer Needs Your Talent and Services, You’re Their Best Friend—Until They Don’t- Then They Ghost You

Two decades ago, “relationship-driven business” was more than a slogan—it was a survival strategy. Today, professionals can combat “client ghosting” by implementing consistent follow-ups, personalized check-ins, and transparent communication to maintain visibility and trust.

SB-4: Free Sacred Trinity Church (FSTC) of San Diego: Ministerial Review Procedure Specifically Tailored to Their Real Estate Development Projects

How to Keep Your SB-4 Project in the “Fast Lane”

SB-4: The Devil Called CEQA- The Three Words That Change Everything for Faith-Based Housing Developer Must Confront

Why SB-4’s “Not a Project” Status Gives Project Developers like Free Sacred Trinity Church a Stronger Hand

Jumping Through Hoops: Real Estate Version

Introduction: A Metaphor That Became a Workplace Reality

The “Real” Homelessness Numbers Feel Secretive—Especially for People Living in Cars: Part II of II

On almost any night, you can see a growing shadow population-people sleeping in cars, vans, RVs, or behind warehouses-highlighting the challenge of understanding what’s truly happening in your city. There exists in the consciousness of the observer an element of suspension rather than compassion and understanding.

“A Travesty of a Mockery of a Sham”: The Private Money Lender

Why Hard Money Lenders See the Industry More Clearly Than Anyone Else

The Bandwagon Effect on Social Media: Follow the Crowd

(What it is, how it works, why it’s powerful)

The Gatekeepers Have Lost the Narrative

— and Biased Journalism Has Been Stripped Down and Is Being Rebuilt in a Perverse Public View.

The Hard Workers in America:

The Overlooked Powerhouses of Modern Society

California-CEQA, Housing Accountability, and State Overrides Under AB-130 and SB-131

On 30 June 2025, Governor Newsom signed AB 130 and SB 131, two major budget trailer bills that together represent the most substantial CEQA reform in over 50 years.

Why You Should Visit DanHarkey.com: Sharpen Your Tools

And Why You Should Refer Your Friends, Associates, And Family

California as a Test Case for Modern Anti-Fraud Policy

The Federal Government is intervening because the state does very little to change the culture of Fraud.

Is California a “Bastion of Tolerated Fraud”? California is a brand-new game.

This article explores the state’s unique challenges with public fund misuse and ongoing debates.

Show Your ID Please: Where Californians Are Commonly Required to Show ID

California is A Brand New Game- (Real World Checkpoints)

Inside America’s Battle to Restore an Accountable Government: The Coming Clean Up:

Subtitle: The Bloated Bureaucracy Reckoning- How the New Mandate of Tackling Waste, Fraud, and Abuse Is Reshaping Washington.

When Central Banks Lose Independence: Part II of II

A central bank’s independence is not merely a technical preference. It is the backbone of economic stability. Removing it makes the entire financial system more fragile

When Central Banks Lose Independence: Part I of II

Why Short-Term Gains Lead to Long-Term Trouble

When Bureaucratic Entrenchment Spreads Throughout the Organization: Part I of II

When bureaucratic entrenchment spreads, it doesn’t just “add friction.” It changes the company’s operating system—how decisions are made, how risk is managed, how careers advance, and how truth flows. Bureaucratic entrenchment is a cancer on organizational effectiveness and its efforts to pursue its mission.