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

Deeply Understanding Capital Knowledge

by Larry Chiang on February 17, 2020

By Larry Chiang
The most common question, “How many employees do you have?”

Rick Morrison (@morrisor)
At startups, headcount is a vanity metric.

At startups, headcount is a vanity metric

The better question is 
“how many years can you operate in a month to month cash flow positive manner
Please say infinite.”
What They Don’t Teach You at School


One US Dollar is Worth 10,180 Satoshi’s as of February 8

February 8, 2020

By Larry Chiang Deep Undergrad Crypto Knowledge is super confusing.  1 US dollar is currently worth 10,180 sats. A 100,000,000 Satoshi’s is one bitcoin. A bitcoin is worth $9823.15. One US Dollar is Worth 10,180 Satoshi’s as of February 8  Date Price Percentage 1 year ago 27,342 sats – 62.84% 2 years ago 12,140 sats – […]

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Wyoming’s 1st Special Purpose Depository Institution is Kraken

February 8, 2020

By Larry Chiang Nic Carter posed a question that made me aware that “special purpose depository institution” is a similar situation as ‘industrial loan corporation’ charter for credit card only banks.  The question:  Who will be the first crypto company to secure a charter as a “special purpose depository institution” under Wyoming’s 2019 law? nic […]

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The Word “No” is at the Heart of Your Entrepreneurship Problems

February 4, 2020

By Larry Chiang We have become over reliant to sex apps getting us our deal flow. This has negatively impacted founders ability to face rejection. Not facing enough rejection will stall out your startup.  Examples of people outsourcing distribution to a dating app, abound.    What’s a Rollo Tomassi described “buffer”? A buffer lessens the […]

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Nobu’s Humble Beginnings And Edits

February 2, 2020

By Larry Chiang The Nobu Hotel in Palo Alto used to be an Epiphany Hotel that used to be a Casa Olga for registered pedophiles/half way house. cc Jesse Kuet, Jack Little and Brandon Wulff Chip Conley edited Casa Olga.  Now, #488UniversityAve is having zoning issues. It used to be a buncha dorm sized studios […]

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Bad Acronyms Alert

January 31, 2020

By Larry Chiang You’ve met me before. I ask questions from the front row! For example, what’s that acronym stand for!? {CAPTION} And Stanford people tell me my #HTGHFAOTR and #EUTWMPPM acronyms are bad… Eliminating Abusive and Rampant Neglect of Interactive Technologies (Act of 2019’) {CAPTION} ‘‘EARN IT” {CAPTION} {CAPTION} GuaGuaGuacamole {CAPTION}

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Larry Chiang Copromoting Four Seasons Miami Event During Super Bowl Week in the 33131

January 30, 2020

Join us Feb 2 on the pool terrace @FSMiami for a Green Eggs + Football party feat our own @ChefAaronBrooks plus BBQ master Jack Arnold from @BigGreenEgg + @snakeriverfarms, @AvosFromMexico @Lobsteranywhere and more Four Seasons News (@FourSeasonsPR) 1/8/20, 7:52 AM Join us Feb 2 on the pool terrace ⁦‪@FSMiami‬⁩ for a Green Eggs + Football party feat […]

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When a Mentor Prescribes Homework

January 27, 2020

By Larry Chiang Homework and work are counterintuitive. Homework in the real world is optional and verrrrry easy. Doing the work means prep work. When your mentor recommends that you do work at home, they do not spell it out on a chalkboard. In fact, they will barely even put the work out there. It’s […]

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January 27, 2020

As a Michael Jordan fan boy, I was confused when the Jordan 7 shoe was “rereleased” in Kobe Bryant laker colours. I paid full boat thinking the shoes were a mistake that I could capitalize on by selling them at a premium via Craig Newmark Lakers and Jordan!? Sacrilege for a young brash kid who […]

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Chefs Aaron Brooks and Dario Montelvere are Hosting a Fundraiser Sun Jan 26, 2020

January 24, 2020

Miami, FLORIDA Four Seasons in Miami @fsMiami is hosting a cool party SUN. {CAPTION} Rsvp here {CAPTION} Blogged from my personal iPhone, 650-283-8008, that Steve Jobs texted me on {CAPTION} Got champagne!?

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