{"id":5992,"date":"2015-10-05T12:20:24","date_gmt":"2015-10-05T16:20:24","guid":{"rendered":"https:\/\/www.duck9.com\/?p=5992"},"modified":"2015-10-05T12:26:37","modified_gmt":"2015-10-05T16:26:37","slug":"exptransfax-second-stage-premiums-and-the-rebirth-of-financial-literacy","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/exptransfax-second-stage-premiums-and-the-rebirth-of-financial-literacy\/","title":{"rendered":"#ExpTransFax, Second stage premiums and the Rebirth of Financial Literacy"},"content":{"rendered":"<div>\n<div>By Larry Chiang<\/div>\n<div><\/div>\n<div>By rebirth, I mean finally executing financial literacy.&nbsp;<\/p>\n<table style=\"border:1px solid black;padding:8px;\">\n<tbody>\n<tr valign=\"bottom\">\n<td width=\"48\"><img decoding=\"async\" src=\"https:\/\/pbs.twimg.com\/profile_images\/613751289587957760\/ZN0VKUOa_normal.jpg\" style=\"width:48px;height:48px;padding-right:8px;\"><\/td>\n<td><b>Larry Chiang (<a href=\"https:\/\/twitter.com\/larrychiang?refsrc=email&amp;s=11\">@LarryChiang<\/a>)<\/b><\/td>\n<\/tr>\n<tr>\n<td colspan=\"2\">\n<div><a href=\"https:\/\/twitter.com\/larrychiang\/status\/650881334118735872?refsrc=email&amp;s=11\">10\/4\/15, 8:52 PM<\/a><\/div>\n<div>American oligopoly of credit bureaus, Experian, TransUnion &amp; Equifax, has a hashtag <a href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\">#ExpTransFax<\/a> <a href=\"https:\/\/t.co\/BmtVicWal1\"><span>duck9.com\/blog\/credit-bu\u2026<\/span><\/a><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\">While I know that poor people do poor people activities. I associate cupcakes with each stage of progress. Thus.&nbsp;<\/span><\/div>\n<p><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>Thus, duck9 removed &#8220;execution risk&#8221; from the newbie credit virgin. Thus, we<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">&nbsp;removed &#8216;finance&#8217; and &#8216;literacy&#8217; from financial literacy.<\/span><span style=\"background-color: rgba(255, 255, 255, 0);\">&nbsp;<\/span><\/p>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><img decoding=\"async\" src=\"https:\/\/www.duck9.com\/wp-content\/uploads\/2015\/10\/image17.jpg\" alt=\"image1.JPG\" id=\"106B9A25-7BB0-49F3-BB51-F90019A5C09C\"><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/>Financial literacy is possible with &#8220;second stage premiums&#8221;!!<\/span><\/div>\n<div><span style=\"background-color: rgba(255, 255, 255, 0);\"><br \/><\/span><\/div>\n<div><font color=\"#000000\" style=\"background-color: rgba(255, 255, 255, 0);\"><a href=\"https:\/\/twitter.com\/search?q=%23ExpTransFax&amp;src=hash\" style=\"background-color: rgba(255, 255, 255, 0);\">#ExpTransFax<\/a>&nbsp;is an oligopoly of credit bureaus.&nbsp;<\/font><span style=\"background-color: rgba(255, 255, 255, 0);\">Experian, TransUnion &amp; 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.&nbsp;<\/p>\n<p>Let me repeat that.&nbsp;Financial literacy is possible with <i>second stage premiums<\/i>.&nbsp;Know the marshmallow test. The marshmallow test can be hacked. BUT THAT IS A DIFFERENT POST.&nbsp;<\/span><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>By Larry Chiang By rebirth, I mean finally executing financial literacy.&nbsp; Larry Chiang (@LarryChiang) 10\/4\/15, 8:52 PM American oligopoly of credit bureaus, Experian, TransUnion &amp; Equifax, has a hashtag #ExpTransFax duck9.com\/blog\/credit-bu\u2026 While I know that poor people do poor people activities. I associate cupcakes with each stage of progress. Thus.&nbsp; Thus, duck9 removed &#8220;execution risk&#8221; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5992","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/5992","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=5992"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/5992\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=5992"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=5992"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=5992"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}