Larry Chiang, President and CEO Duck9.com

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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

too-big-to-fail banks expose contradictions within Western social.​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​democracy

June 25, 2026

•  Luke Gromen argues that the 2008 “socialist bailouts” of too-big-to-fail banks continue to drive political costs 18 years later, linking them to rising socialist appeal. 18 years after socialist bailouts for TBTF banks, the political bill for those bailouts continues to grow. Hard to make the case “the bailouts saved the system” and “socialism […]

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Cold Approaches The #cs183d Street-Smart Skill They Don’t Teach You in Business School

June 25, 2026

Cold Approaches: The #cs183d Street-Smart Skill They Don’t Teach You in Business School By Larry Chiang They teach you theory at Stanford. They give you cases, frameworks, and PowerPoints. What they don’t teach you is #cs183d ~ the street-smart execution track. The protocol where you actually pick up the girls, use the phone function on […]

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58% Down

June 25, 2026

Chicago’s commercial real estate  The owner of the Aon Center 200 E. Randolph St Chicago, Illinois, a venture of 601W, formally requested another three-year extension on its $536M senior loan. Appraised at $330.5M down 58% from $780M when it originally took out the loan. “It’s still unclear whether 601W will get the extra time it […]

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Book Club at Pool After Party

June 24, 2026

Book Club at Pool After Party youtu.be speakers attribute the consistent success of their “magic trick” to several psychological and strategic factors: Precision and Authority: By providing specific, granular data-such as exact page numbers or conference hashtags-they move beyond generic advice (0:17-0:26). This precision mimics a “magic trick” that commands immediate respect and authority, leading […]

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I Stopped Prompting AI One Task At A Time. Looping Works Better.

June 24, 2026

I Stopped Prompting AI One Task At A Time. This Works Better. youtu.be Chapter 1 to Chapter 14’s an “Easter Egg” at #ch1 to #ch14. Including #ch2 which’s chapter 2 at my house in Napa California http://www.youtube.com/watch?v=ejeIz4EhoJ0 On 09-09-39, “What They Will NEVER Teach You at Stanford Business School” debuts at 300 w 44th St at […]

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Houston Office Sees Building Value Cut By $63,000,000

June 24, 2026

@FCNightingale The prop is subj to a loan with a curr bal of $48.3 mm. The loan had been placed on a watchlist after it failed to pay off on its antic repay date in Oct 2024, though it is not scheduled for final payoff until Oct 2027. Morningstar DBRS cited concern about the risk […]

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7 Ways To Elon Musk

June 23, 2026

The X post summarizes seven key points from Marc Andreessen’s appearance on Chris Williamson’s Modern Wisdom podcast, describing Elon Musk’s hands-on operating philosophy for running multiple complex companies simultaneously. Below, I expand each of the seven points into three detailed paragraphs, elaborating on the core idea, providing context and reasoning, and exploring its broader implications. […]

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Okay Be Dumb and Have Discipline

June 20, 2026

A tale ass old ass time Larry Chiang, 650-283-8008 (@LarryChiang) x.com Why Smart People “Fail”: Closing the Habit Gap with Tiny Changes, Miraculous Mornings, and Practical Discipline The observation feels familiar: exceptionally intelligent, high-achieving people often struggle while more “average” or “mid” individuals climb to director roles, build families, take great vacations, and appear to […]

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Selective Serotonin Reuptake Inhibitor WordPress Article by Larry Chiang, 650-283-8008

June 18, 2026

SSRI stands for Selective Serotonin Reuptake Inhibitor. SSRIs are a class of medications primarily used as antidepressants. They are one of the most commonly prescribed types of antidepressants because they tend to be effective and have a better side effect profile than older antidepressants. How they work: Serotonin is a neurotransmitter in the brain that […]

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Deeply Understanding Capital Knowledge

June 18, 2026

Deeply Understanding Capital: Knowledge as the Foundation of Prudent Wealth-Building Capital is more than money in a bank account or shares on a screen. It represents stored productive capacity—human effort, resources, and time crystallized into tools, businesses, real estate, or financial claims that can generate future value. Deeply understanding capital requires moving beyond surface-level returns […]

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