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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The Party of Wealth Behind the Veil of Socialism

The Economic Treadmill: Wealth Disparity, Debt, and the Illusion of Prosperity- Expanded Read

With Historical examples illustrating similar economic conditions and societal responses:

The Economic Treadmill: Wealth Disparity, Debt, and the Illusion of Prosperity- Quick Read

In today’s urgent economic landscape, the chasm between the top 10% and the bottom 50% has widened to unprecedented levels. The top 10% of the financial structure now commands about 64% of the nation’s wealth, while the bottom half holds a mere 2.5%. This stark imbalance is not just a statistical reflection of a system that increasingly favors capital over labor, privilege over perseverance.

Why Are Government Employees Included in GDP Estimates From The Department Of Labor?

GDP measures the market value of all final goods and services produced within a country during a specific period. Government services—such as education, defense, public safety, and administration—are considered part of this output even though they don’t produce tangible goods. In particular, government employees' output is marginal at best, and more of a cost factor than a productive factor.

Despite All the Rhetoric: The Debt Spiral Deepens

“Despite all the rhetoric, we will go deeper in debt, the Fed will print more money, and the value of the dollar will continue to plummet.” — Ron Paul

The Role of Central Banks

Central Banks—Engines of Coercion, Institutional Theft, and Wealth Transfer (with Case Studies)

Taxation, Coercion, Institutional Theft- Complete Version

Understanding Taxation, Coercion, Institutional Theft, and the Economic Treadmill: A Historical Analysis of Power

How Fiat Money, Crisis Backstops, and “Stability” Policies Keep Workers on an Economic Treadmill

Central Banks: Engines of Coercion, Institutionalized Theft, and Wealth Transfer “Inflation is a policy of confiscation… taxation by stealth.” — Ludwig von Mises.

The Long Shadow of Fear: How Control, Fear, Anxiety, and Policies of Manipulation Reshape Democracies

Obamacare is a Massive Redistribution from the Productive Class to the Unproductive and Less Productive Class.

The promotion of Obamacare plans was one of the century’s biggest lies. Which class subsidizes the other class? The regulatory infrastructure gobbles up ½ of the process.

From Mutual Trust to Mutual Distrust- Legal Shields: How Expanding Liability Laws Changed Society

For centuries, social and economic interactions were grounded in mutual trust. Business partners, neighbors, and communities relied on personal integrity and informal agreements to resolve disputes. But as economies grew more complex and risks multiplied, society began shifting away from trust-based relationships toward legal frameworks designed to allocate responsibility and protect against harm. One of the most significant developments in this evolution was the rise of joint and several liability.

What led to the Widespread Acceptance of Entitlement and Dependency as a Preferred Lifestyle in American Society?

The question touches on cultural, economic, and political transformations in American society over the past century. The mainstreaming of dependency as a value system in the U.S. can be traced through several interwoven developments:

Bridging the Economic Divide in America

The Unspoken Truth About the Economy: Grapes of Wrath 2025-26 All Over.

America is living a tale of two economies—a bifurcation of prosperity and despair that has deepened over decades.

Capital Investments in California Real Property Secured Transactions: Legal Framework and Industry Practices

✅ Compliance Checklist for Private Lending Transactions in California

The Initial Real Estate Loan Inquiry

A Primer in Alternative Reasons

Ask The Right Questions

From A Borrower in a Private Money Loan Transaction

Defining Deviancy Up and Down:

Deviency occurs from sociological and cultural discussions about shifting standards of acceptable behavior. Daniel Patrick Moynihan popularized it in his 1993 essay, “Defining Deviancy Down,” and later others expanded on the idea of “defining deviancy up.”

Court Narrows Broker Fiduciary Duties in Malibu Home Dispute- Quick Read

In Larry Wade v. Windstar Investments, LLC, the Los Angeles County Superior Court clarified the limits of a real estate broker’s fiduciary and disclosure obligations. Wade purchased a $3.4 million Malibu property that later proved uninhabitable due to unpermitted construction. He sued the seller and Sotheby’s International Realty, alleging negligence and breach of fiduciary duty for failing to disclose the defects.