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#ExpTransFax, Second stage premiums and the Rebirth of Financial Literacy

by Larry Chiang on October 5, 2015

By Larry Chiang
By rebirth, I mean finally executing financial literacy. 

Larry Chiang (@LarryChiang)
American oligopoly of credit bureaus, Experian, TransUnion & Equifax, has a hashtag #ExpTransFax…

While I know that poor people do poor people activities. I associate cupcakes with each stage of progress. Thus. 

Thus, duck9 removed “execution risk” from the newbie credit virgin. Thus, we
 removed ‘finance’ and ‘literacy’ from financial literacy. 

Financial literacy is possible with “second stage premiums”!!

#ExpTransFax is an oligopoly of credit bureaus. Experian, TransUnion & Equifax for a credit grid over 24 months. Charge and pay on time for two years. After 6 of the 24 months, you get another premium. 

Let me repeat that. Financial literacy is possible with second stage premiums. Know the marshmallow test. The marshmallow test can be hacked. BUT THAT IS A DIFFERENT POST. 

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