Larry Chiang, President and CEO


I'll shoot you w/a nerf gun if you don't manage your credit.

11:11 is my goal of getting duck9 consumers lots of 1s.

24 1's in a row equals a 750 FICO.

A "one" is an on-time payment in credit reporting code.

A '9'=charged off bad-debt. You wanna duck 9s.

Duck9 = Deep Underground Credit Knowledge (Duck 9's on your credit report. 9's are charge-offs)

"Making sure college credit virgins get deflowered right since 2004"

"Larry Chiang is an expert at the dark art of FICO score preparation"

from Paul Thompson, Founder Scottish American Capital

Harvard Business School '09

"Who needs Stanford Business School when you have Larry Chiang"

from David Rohrsheim, Draper Fisher Jurvetson

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In The Media

Arbitraging Time (In Your Attempt to Pay Down Debt

by Larry Chiang on February 10, 2016

By Larry Chiang
Business is about distribution. 
Paying down debt seems to be about working more hours to service (ahem pay down) debt. In short, you arbitrage time driving an Uber. 
Paying down debt by working hours is an age old issue. Indentured servitude is where you owe so much that you sell your offspring to be a sex worker in Japan :-(
True story: Number 1 employer of illegal sex workers = Japan. See this case where an Asian sex slave in Tokyo is actually making more money*…
Larry Chiang (@LarryChiang)
When you’re arbitraging your time vs buying-low, selling-high on the Internet. #cs183a @LarryChiang #LABCS3366

Perhaps the halo of early driver windfalls still drives drivers to drive for Uber? Let us lever that goodwill. 

Let us stop arbitraging time and start arbitraging the Internet. Let us (err you!) start doing #leadGen. Let’s start getting paid helping to do distribution. 

“Sales and distribution are often an issue for businesses.”
— Larry Chiang
(650) 283-8008

Larry Chiang (@LarryChiang)
so the #leadGen idea is this. You drive in a territory that has a spiff to find drivers. Then blog about addresses & hacks.
— @LarryChiang

A spiff is an inflated commission. 
Walnut Creek. The 925 area code. Where the credit score quality is high and the technology adoption is SLOW

Larry Chiang (@LarryChiang)
Driving for Uber is like affiliate referrals for Tesla. Only driver /owners can #LeadGen #cs183uber #puInternship1u

Larry Chiang (@LarryChiang)
#puInternship1u is a 7 hr Pop Up Internship (1 Uber)where you #LeadGen Uber riders
cc @LarryChiang‘s #cs183uber

Larry Chiang (@LarryChiang)
#cs183eubm = practice creativity conjoined with execution. #EUBM was forked from #ENGR145 Lec 2, #cs183b Lec 8, #ENGR245@LarryChiang

Larry Chiang (@LarryChiang)
.@ChrisSaad do you know the Citibank/ GE/ #101Tryon folks to do a Uber underwritten Visa?
[Art credit

Larry Chiang (@LarryChiang)


How Do You Make More As an Uber Driver.

February 10, 2016

Larry Chiang (@LarryChiang) 2/9/16, 8:55 AM Both sides of the Uber.Rider and driver. There is a game to win #Quora#cs183uber #cs183i #ExternalAPI #puInternship1u By Larry Chiang Problem. Solution.  Larry Chiang (@LarryChiang) 2/9/16, 3:51 PM Certain addresses have got to be more airport-trip-likely. eg #757Market #180Hamilton #520Cowper #98SanJacinto @LarryChiang Download the Twitter app Larry Chiang (@LarryChiang) 2/9/16, 3:52 PM specific addresses must be super-short-trips ie […]

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Be a Student of “Engineering Up a Business Model (EUBM)” Bc EUBM Saves Lives

February 8, 2016

by Larry Chiang Be a student of business models. As a student of “Business Model Generation”, I simplify p44 and 45 to #EUBM (CS VP C CR R$ KR KA KP CS — Larry Chiang (@LarryChiang) September 16, 2013 Larry Chiang (@LarryChiang) 2/8/16, 9:06 AM FORK’d I just forked #cs183c; Lec 8. #cs183eubm. Google levered […]

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Forking Duck9’s Credit MENTORSHIP to Real Estate Arbitrage

February 8, 2016

By Larry Chiang I’m not high on the Super Bowl. I swear This is a new category: “Duck9 Real Estate” Larry Chiang (@LarryChiang) 2/8/16, 11:14 AM I’m forking @duck9‘s credit MENTORSHIP to real estate arbitrage #cs183a (art credit: “#larryChiangsAirbnb arbitrage) You can have your Airbnb listing pay your P.I.T.I. (principal, interest, taxes, insurance) Larry Chiang (@LarryChiang) 2/8/16, 11:15 AM […]

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NYFW is in Chaos

February 7, 2016

By Larry Chiang New York Fashion Week used to be tightly knit at Bryant Park. Then, Mercedes Benz anchored it at Lincoln Center.  Now after IMG sold, there’s chaos. Shows are everywhere. Scattered.  Fashion Night Out was better organized.  Chaos isn’t a pit. Chaos is a ladder. Many who try to climb it fail and never get to try again. […]

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Julianne Keu, Jazz in the Jukebox and Cellphone Number Underwriting

February 5, 2016

VANCOUVER Canada By Larry Chiang Truth be told, I’m in San Francisco for Super Bowl but this Vancouver content was solid gold… Julianne Keu (@juliannekeu) 2/5/16, 4:18 PM When you meet someone new, they subconsciously place you in 1 of 4 categories: friend, threat, mate, or indifference. @truthplane #TheArtOf Sales networking is a little bit […]

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Lec 5; CS 183e

February 5, 2016

Intro video The Startup That You’re Editing Didn’t Get Mentored, SO IT DIED. Lec 5; CS 183e Larry Chiang (@LarryChiang) 8/6/15, 11:36 AM You can Human Protocol Interface with a mentor. Never in history has it been more easy to network a mentor. #ch5 #Ch4 Download the Twitter app Larry Chiang (@LarryChiang) 3/20/15, 8:23 AM Facebook, fB, messaging […]

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You’re a VC and You Don’t Even Know It

February 2, 2016

Intro video: You’re a VC and You Don’t Even Know It Video 2   Larry Chiang (@LarryChiang) 2/1/16, 10:34 AM How’s that cadaver of a startup that you’re editing doing? Signs of life? Tell TC&WSJ #CS183e; Lec 19   Video 3 Larry Chiang (@LarryChiang) 2/2/16, 12:01 PM Newbie VCs attempt to edit something that is alive Often […]

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Editing. Editing Your Turd aka Startup Editing #cs183e

February 1, 2016

By Larry Chiang “Polishing Your Turds and getting SUPER RICH” Larry Chiang (@LarryChiang) 2/1/16, 1:21 PM Andrew Mason – Startup School 2010 #cs183e Editing  CS 183e. “e” is for edit. 

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CS 183s!!!!

February 1, 2016

By Larry Chiang What’s “CS 183” here at Cal Entrepreneurship Week? [#calEWeek] The ‘s’ is for Sales. Sales for Engineering Undergrads like the other three Computer Science classes (#cs183, #cs183b & #cs183c) teaching startup theory. #cs183s is startup execution. Startup theorems in the forms of protocols you proof. You can bet a VC will be […]

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