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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Inside America’s “Culture of Fraud” Part III of III

Real World Fraud Case Studies (2026)

Inside America’s “Culture of Fraud” Part II of III

— and How to Reverse It in 2026

Does the average Adult High School Graduate Have the Educational Level of a 7th- or 8th-Grader?

Short answer: Yes- based on current U.S. data, the average adult high school graduate reads at roughly a 7th to 8th grade level. Here’s the breakdown with citations:

Can a Church Corporation or a nonprofit 501 (c) (3) sue a municipality in California for discrimination for failure to abide by:

SB-4, SB-1037, AB-1893, AB-712, and SB-808 come into Play in the development approval process if the city, Such as San Diego, refuses to approve the project (ministerially), subject to state mandates.

Reverse Mortgages and Probate After the Death of the Borrower

If probate takes longer than 6 months, the reverse mortgage doesn’t automatically “go delinquent, “which should reassure homeowners and heirs that delays won’t cause immediate default.

Reverse Mortgages Are Due Upon The Death of The Borrower!

Disclaimer (general information, not legal advice): Questions about “fraud” turn on intent, what was communicated (or concealed), what documents were signed, and which program (HECM/FHA vs. proprietary) applies. If there’s a real situation behind your hypothetical, it’s worth speaking with an estate/probate attorney and (for HECMs) a HUD-approved reverse mortgage counselor promptly.

Reverse Mortgages: An Excellent Retirement Strategy for Some Homeowners

Turning Home Equity into Retirement Flexibility—Without Monthly Payments

SB-4: California Church Corporations and Nonprofit Low-Cost Housing Building Opportunities.

Are there legal remedies available to the church or nonprofit if a municipality refuses to cooperate and comply with state mandates?

Where is America’s Democrat Party Heading? -Quick Read

—Success, Capture, failure, loss, or Self-Inflicted Collapse? Will ordinary people accept systemic fraud? At the beginning and the end: A party can win power by a well-lubricated machinery, but it keeps power only by earning trust. Trust is absent from any equation other than the usual systemic frauds that are pervasive.

Chipping Away at Federal Government Waste, Fraud, Abuse, and Redundant Bureaucracies, One at A Time

U.S. plans to exit 66 international bodies, including agencies, conventions, and treaties, highlighting the scope of the withdrawals and their potential Impact on U.S. involvement and Costs.

When the Welfare Safety Net Becomes a Hammock

Welfare should be a bridge to stability—not a destination. Recognizing this can inspire policymakers and social workers to focus on pathways to independence.

Bait-and-Switch Government Tactics:

Does the Government Use Bait-and-Switch Tactics When Delivering Facts to the American Public?

America’s Rolling Micro-Homes:

Who Lives in Vehicles—and Why (2024–2026)

The Fox That Guarded the Hen House:

Meaning, Origins, and Modern Lessons

“Vassal State” Status: What is it and Why Does It Exist?

The Timelessness of This Article is That Under Donald J Trump, Venezuela has Just Been Taken over By The United States. The U.S. will control the entire Nation-state using coercion as the chosen tool. The Pros and Cons of Agreeing to Turn a Territory or Sovereign Nation into an External Controlled Subordinate