Dan J. Harkey

Master Educator | Business & Finance Consultant | Mentor

The American Enterprise

A Contrarian’s Look at America’s Enterprise—Economy, Government, and Leadership—Minus the Public-Relations Gloss.

Dan's unique perspective on the economy, the government, and our country's leadership is not commonly found in mainstream media. Designed to enlighten and engage you with what he believes is a refreshing dose of truth, his articles challenge the narratives often presented by mainstream media and encourage critical thinking about the state of our country's enterprise.

Dan offers workarounds and solutions when possible. His aim is to provide actionable solutions to the challenges we may face in these areas.

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Pennies From Heaven Has Turned Into Pennies In The Trash Bin

Let’s Acquire Some Pennies Without Effort Or Risks; Let’s Wish For Unexpected Financial Benefits

A Penny For Your Thoughts: It Costs A Lot More Today To Buy Thoughts, Only Some Unwarrented Opinions Are Still Free

These Days, A Few Pennies Do Not Buy Many Thoughts; Thoughts Require Hard Dollars, and Many Of Them

The Ticking Time Bomb: Buying Now, Paying Later, is a Poor Strategy

Trading Short-Term Gratification for Long-Term Pain

Networking Professional Service Providers with Large Networks of Their Own

Are A Valuable Referral Sources For Private Money Lenders

Tooth and Nail, As A Common Phrase

To Fight or Struggle With Great Determination and Intensity

Insurable Value vs Assessed Value

Valuation Methods and Purposes Differ Greatly

The Crucial Concept of Depreciation in Real Estate Ownership

Depreciation refers to the loss in property value from any cause. It results in diminished value reflecting the difference between the present value and the cost to reproduce or replace.

Real Estate (Private Money) Loan Documents and Related Disclosures

Real Estate Practitioners Should Obtain A Comprehensive Understanding Of The Loan Documentation To Carry Out Their Fiduciary Responsibilities To The Principals.

Archie And Edith Bunker And All In The Family

Remember the Great Days Of Archie And Edith Bunker, and their Portrayal of Real Life Bigotry

Celebrate the “No” in “National No Skin in the Game” Week

Just say “Sorry, but no” and smile with the awareness that you do not need the aggravation or future servicing problems!

How Many Advertisements Are We Exposed To Each Day

Most advertisements constitute random noise in our lives.

10 Concepts For Personal And Business Success

Common assumptions about how personal lives operate and businesses function

The Verdict: A Pivotal Shift in Employment Matters Now involves the Executive Branch, not the District Courts.

A Monumental Win For The Trump Administration: A Game-Changing Verdict on Employment Matters.

The War Against The Deep State Entrenched Bureaucratic Apparatus

Anyone Who Thinks The War Is An Easy Task Must Rethink The Entrenchment of 100 Years In The Making

Europe Finds That Reliance On Renewables Comes With Frequent Systemic Collapses

The Grid Across Continental Europe Has Collapsed, Causing Blackouts through the entire region

Or, Whatever: As A Speech Habit

Is The Term, Whatever, A Fill Word Or Meant As A Deflection

A Dog, A Chicken, and A Pig Walked Into A Bar

They first discussed when they met; they were young, naive, and trusting, in particular of humans who fed them.

Where Does Personal Power Come From?

Did We Earn It, Inherit It, or Get It From A Monopolistic Institution Like Government, Who takes it by brute force

The Most Difficult Habit To Break Is Giving Advice To Other People

Give advice when asked for by the other party or when you have a financial interest, such as making money. Otherwise, keep your mouth shut.

A Ship Without a Rudder

A lot of energy, but going nowhere fast