What They Dont Teach You At Stanford Business School

Stuff you can't learn in B-school: LARRY CHIANG

#31envelopes is an EQ Test and a Marshmallow Test

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By Larry Chiang

For money, I help people go from zero to FICO 800. That is Duck9 www.duck9.com

For the community, I help people with bad fico’s go to 750+. #31envelopes is a marshmallow test.

#31envelopes is an EQ test. Most people with bad credit have bad impulse control. Thus, they spend more than they make. Therefore, credit score is low.

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
12/10/16, 9:02 AM
80++% of USA consumers that are not Asian fail to get envelope number one executed. #31envelopes is a marshmallow test #poBox105281ATL30348 twitter.com/larrychiang/st…

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
8/11/16, 12:43 PM
Basecamp. Msg #1825eBuckeyeRoad in case #530Lytton rejects you.
@LarryChiang #cs183baseCamp pic.twitter.com/HPVp0FrP8k

The staff at #530Lytton usually won’t reject you

Save $600 and do #31envelopes on your own so you can get a FICO of 750-800+ http://PayPal.me/larrychiang/600.00

Written by Larry Chiang

December 14, 2016 at 3:10 am

Posted in FICO-score-advice

Merry Christmas Times 70 to Your 17 1/2 yo Child with a FICO Score over 800

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By Larry Chiang

The biggest expense in your life is interest.

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
11/10/16, 11:46 AM
How
To
Buy
Your
Kid
A
Good
Credit
Score
#cs183creditScore. $600. Pay me 50% now PayPal.me/larrychiang/300 And the other half after 24 1’s pic.twitter.com/xSGHVIYRFr

PayPal.me/larrychiang/300

Written by Larry Chiang

December 9, 2016 at 9:59 pm

Posted in Uncategorized

3rd Day of 11, My 11, 11:11 Themed Blog Posts

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By Larry Chiang

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
12/9/16, 11:09 AM
View From The Top #GSBvftt

Stanford “How did they really start” -CapOne was a non-bank, bank as per the @USOCC pic.twitter.com/oGsPTFhvlZ

qip9j2kzqlkf8sk5h577_normal.jpeg Stanford Business (@StanfordBiz)
11/29/16, 12:28 PM
“The great opportunities come when your business idea isn’t as much about the product but is a different view of the industry.” #GSBvftt
Bd6y3iuP_normal.jpg Joe_Ballou (@Joe_Ballou)
11/29/16, 12:52 PM
Strategy starts with figuring out the end game – THEN figure out how to get there. -Rich Fairbank #GSBvftt
qip9j2kzqlkf8sk5h577_normal.jpeg Stanford Business (@StanfordBiz)
11/29/16, 12:57 PM
“Entrepreneurship is about saying, ‘I have a dream and I’m not going to give up on it.’” –Rich Fairbank #GSBvftt
UEMca9Xb_normal.jpg Matt (@mrmperry)
11/29/16, 12:31 PM
“Of you have a different definition of your industry, you have a chance at creating something that won’t be copied.” #gsbvftt

Capital One started as a non-bank, bank. They were an innovative credit card only bank that waived the annual fee and took applications via fax in 1996. Recently at SBS’s “A View From The Top”, Richard Fairbank made zero attempt to explain his start

Written by Larry Chiang

December 9, 2016 at 7:11 pm

Posted in Uncategorized

Follow On Twitter

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Here are some people we think you might like to follow:
198lNz9B_reasonably_small.jpg
Michael Arrington ico_verified-1407009642236.png@arrington
Followed by Larry Chiang
icn_follow@3x-1418089049664.png Follow
U2cQzQ31_reasonably_small.jpg
Ashley Scorpio @ashleyscorpio
Followed by Larry Chiang
icn_follow@3x-1418089049664.png Follow

Written by Larry Chiang

December 6, 2016 at 10:26 pm

Posted in Uncategorized

CEO of Duck9, Larry, Is A Humorous Financial Literacy Speaker

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By Larry Chiang

I try to be funny. Well, if I am not funny at least I was educational. These may sound like jokes…, but every attempt at humor is law-based humor as per America’s FCRA (fair credit reporting act). Grinding out blog posts where you act, execute and note-take FCRA laws have met mixed results. Thus, I now mix in pictures of my ass and humor.

Enter, belfies

Let us look at belfies. Butt selfies. Belfies knowledge activate a hole in financial literacy (metaphorical pun intended #hole). Belfies are similar to credit reports that Experian, Trans Union and Equifax (herein referred to as #ExpTransFax). Belfies are you…, you taking a picture of your hind quarters exactly like the wake of credit data that you leave behind every month on #ExpTransFax.

The FICO grid is #ExpTransFax {Experian, Trans Union and Equifax} vs Time. See how I tied in the most mysterious financial metric *Fico* to a belfie?

Not. Photoshopped.

Thank you for your belfie pics that you text @6502838008

Seemingly simple, belfies go off the rails pretty fast. The definition of a belfie is a butt selfie. A selfie is a picture that you yourself take. A belfie is NOT

R2D2. Your R2D2 underwear makes me think of Stanford Engineering’s venture capital. Butt, it’s not a belfie

That’s not a #Belfie. That’s a selfie with no butt.

faux, #Belfie

REMEMBER, belfies are similar to credit reports that Experian, Trans Union and Equifax. So let us do what “Betty Sue” did and photoshop our butt

Let us make our butt bigger.
Let us make our Experian, Trans Union and Equifax bigger by adding positive information to it

Let us make our #ExpTransFax bigger by adding positive information to it

This is where blogging about FICO scores takes a pretty crazy turn…. You can jack up your FICO via Experian, Trans Union and Equifax by using Victoria’s Secret, secret shopping cart hack. Victoria’s has the most lenient and slutty credit standards. By slutty, I mean open to any inquiry and any credit score. Victoria’s will lend you $500 to buy bras because their COGS (cost of goods sold) is about $30 bucks for that $500 of product.

Victoria’s Box de la post office is #PObox16589. Ask me in person because I memorized this because it’s important!

Me and Betty Sue say… Pump in 24 months of ONTIME payments sent to PO Box 16589

Katherine’s life sucks because everyone thinks she got a butt job. She’s all natural!!!! She’s a Victoria’s Secret model.

Katherine’s picture reminds me to remind you that verrrrrry few people are just born with a FICO over 800, perfect boobs and zero stomach fat.

FTC disclosure: I learned of the Victoria Secret FICO score hack from Kenneth Lin’s #CreditKarma website.

larry-chiang9-duck9-business-card_normal.jpg CEO of Duck9, Larry (@6502838008)
9/8/16, 9:39 AM
Thank you for stripping the PII (personally identifiable info) #Belfie cc @LarryChiang pic.twitter.com/RH2VPyb7zn

Thank you for stripping the PII (personally identifiable info) #Belfie

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
12/2/16, 9:52 AM
pic.twitter.com/efoPjDO8qU
larry-chiang9-duck9-business-card_normal.jpg CEO of Duck9, Larry (@6502838008)
7/14/15, 11:26 AM
“That’s not a #Belfie. That’s a selfie with no butt.”
@LarryChiang
{btw; Was this at #CCsd!? U look like my c :-] pic.twitter.com/oarWoYkiM5
larry-chiang9-duck9-business-card_normal.jpg CEO of Duck9, Larry (@6502838008)
11/8/16, 8:34 AM
Thought you would like this, @LarryChiang – a faux, #Belfie. #fauxBelfie pic.twitter.com/nvJP9bEhCp

Written by Larry Chiang

December 3, 2016 at 4:07 pm

Posted in Uncategorized

Insane Republic / trump cards.

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Okay, I will be near my phone in case you need me (650) 283-8008

Written by Larry Chiang

November 29, 2016 at 9:30 pm

Posted in Uncategorized

3 Idiot Mistakes I See Time and Time with Men’s Credit Card, Credit Scores

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Naperville, ILLINOIS
Thanksgiving 2016

By Larry Chiang

Credit has been my effort since sophomore year in college. The industry changes you. See UCMS 630-235-3700

address 2021 Midwest Road, Oak Brook Illinois 60521.

I’m a credit expert because of my effort.

I super imposed my face on Reid Travis’ body because his eye is in the goal [and his feet, shoulders, hips, chest are in perfect offensive rebounding position]

Here are top 3 mistakes we men make:

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
11/22/16, 9:41 AM
10 Idiot Mistakes I See Time and Time with Men’s Credit Card, Credit Scores [START] @LarryChiang pic.twitter.com/xZ7XrW7KA2
ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
11/22/16, 9:36 AM
1 of 10/ @LarryChiang
Credit and credit rules are pretty counterintuitive. Few young men do well w/o a mentor. Mine was Gerri -Get her book pic.twitter.com/PbN4vt02Lj

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
11/22/16, 9:31 AM
#2. “It’s a mistake to wait for a “@waze-for-navigation-to-a-FICO-of-800″ startup.
Act, now & beat the #Catch22ofFICO“–@LarryChiang pic.twitter.com/L8IY1CFWZL

“Senator Elizabeth Warren, I Larry Chiang (if you’re not me, use your name) am cc-ing you because the Experian, the Trans Union and the Equifax are not honoring my written request to access my credit reports. This is my 2nd attempt in 2016.”

ZN0VKUOa_normal.jpg Larry Chiang (@LarryChiang)
11/22/16, 9:26 AM
#3 (on deaf ears): 49c, USPS stamps on #31envelopes is like writing to the cerebral cortex in a @WestworldHBO world called *credit*. Brutal pic.twitter.com/n4fN9SbXNO

Download Twitter to search inside Twitter for credit knowledge nuggets you can’t find anywhere else. {I hid the best secrets in plain view :-}

Written by Larry Chiang

November 26, 2016 at 6:14 pm

Posted in Uncategorized