Podcasts about hmbradley

Thanksgiving's over and Christmas is almost here… so you know what that means! We're checking our credit account once, checking it twice, and we're gonna find out if Alex can stand to talk about credit building nice. In this week's fintech recap, our favorite breaker of fintech news, Jason Mikula, is back in the studio to break down the important topics in fintech, like whether green bean casserole is gross (it is) and if the entirety of the Twitterverse really needs to weigh in on the Sam Altman situation. Then, Jason and Alex dive into the recent handful of consumer-facing fintechs, like HMBradley, Mint, and Ness, who have shut down or pivoted to infrastructure plays. Is the worst behind, or is there more pain ahead?  And later, credit building can be a predatory business area. So what's the deal with the credit-building app Tomo Boost? Is it a legitimate ploy or an intentional attempt to defraud credit bureaus? Plus, the guys dissect Plaid's recent foray into becoming a consumer reporting agency, the sexual harassment scandal at the FDIC, and the wild NFT party in Hong Kong that we wish we could say shocked us.   00:00:02 - Twitter Erupts Over OpenAI Situation 00:03:09 - Green Bean Casserole: The Worst? Or the Worst? 00:06:43 - Consumer Facing Fintechs: What's Next? 00:14:45 - Partner Banks Pulling Back from Fintech Partnerships 00:24:49 - Exploring the Emerging Landscape of Credit Building in Fintech 00:32:09 - Making Sense of Tomo Boost 00:41:57 - Proposed Lowering of Debit Card Swipe Fees for Covered Institutions 00:46:45 - Plaid Transforms into Consumer Reporting Agency 00:52:26 - Sexual Harassment Scandal at the FDIC 00:55:02 - The Dark Side of NFTs   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

This month, Alex Johnson and I had the chance to talk about:* the growing “fintech reckoning,” especially among consumer fintechs, with reports of possible shutdowns, sales, and pivots for companies like HMBradley, Petal, Apple/Goldman Sachs, Mint, Braid, Catch, and many others you probably haven't even heard of* Alex's favorite topic, credit builder products: including Tomo's perplexing offering, Region's partnership with Self, and the wider product space* as well as a quick discussion of the Fed's proposed lowering of the Durbin interchange cap and Plaid's decision to create a consumer reporting agency subsidiary* and, like every month, what Alex and Jason just can't let go of Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Disclaimer: I am not a financial advisor. This is not financial advice. This is for entertainment purposes only. Enjoy! Companion post Support me on Patreon! Shout-out the madman and legend Kleed for being a patreon supporter! CFPB complaint successful and Amex acknowledge that I should receive MR on my federal income tax payment and that I also met the SUB MSR with the help of this spend. Precedence set again https://reddit.com/r/churning/s/x82xQOXwaG $200 BofA SUB - $2k DD in 90, lots count as DD https://www.doctorofcredit.com/bank-america-100-checking-bonus-public-nationwide/ Chase Business Ink 90k - denied # of recent apps, business structure, insufficient business relationship https://www.doctorofcredit.com/chase-ink-90000-offers-slated-to-end-soon/ Supplement paid $5 to my PayPal https://www.doctorofcredit.com/keurig-coffee-pods-class-action-lawsuit-potential-5-or-36-per-household HMBradley remove all requirements for top tier, all you need is a $500 deposit to get 4.7%, 0% otherwise. No CC or positive cash flow required https://www.hmbradley.com/APYs-NYCB?utm_campaign=Simplify+APY+Announcement&utm_content=Simplify+APY+Announcement+-+B&utm_medium=email_action&utm_source=customer.io $300 travel credit for Venture X is now a coupon applied at checkout https://www.doctorofcredit.com/capital-one-launching-premium-venture-x-card-with-100000-points-200-signup-bonus-395-fee-300-travel-credit-10k-annual-bonus/#comment-1692102 TreeCard is closing their debit card, potentially introducing CC in the future https://help.treecard.org/en/articles/8322299-debit-card-closure-guide https://www.treecard.org/post/a-letter-from-the-founders $200 SUB for $500 deposit, 10 debits & eStatements, $100 CC fund per account App went pending https://www.doctorofcredit.com/chartway-federal-credit-union-200-checking-bonus-direct-deposit-not-required/ $200 SUB for $100 DD in 90 days https://www.doctorofcredit.com/ny-only-bethpage-credit-union-200-checking-bonus/ E trade issues with wealthfront Action items: 500k HMB but FDIC insured up to $250k Kevin Hart Skit --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Companion Post BofA new categories: Online shopping includes cable, streaming (was already included), internet, and phone plan and gas now includes EV charging Old terms New terms https://www.doctorofcredit.com/bank-of-america-customized-cash-rewards-expands-the-3-categories/#comments Albert Genius now $14.99 Free trial still churnable Touch on idea Referral link Ally bank checking bonus https://www.doctorofcredit.com/ally-bank-200-checking-bonus-get200/ Does not stack with referral Targeted Apple Card 5% back offers Generic referral Targeted SUB offer Ally Referral -  thanks! Current fee change Inactivity charge of $5 after 12m, closure fee of $10. Note: the minimum to transfer was $1. They credited me a free $0.75 so I could transfer out LOL Target 20% back up to $10 Cash App Targeted for $15 off $90 spend Target Circle offer Maybe use PayPal split to hey 10% back (up to $5) with Albert and $10 with Cash App  $100 spend, $25 discount or 25% off Thought process for new main checking account Requirements: Checking account HYA (>4%) ATM network or reimbursement Leaving Juno Bipass login bug Change to $20k for 5% Options: Robinhood Gold 4.9%, ATM network, 3% IRA match (with vesting period), checking, $60/y fee  Looking at my spend for last year, if I were to achieve BofA Platinum Honors status, I'd get an extra $196 in cash back per year. Not to mention my BofA spend this year went way up now that I have my ⁠curve strategy. Gold would net me $135 after the AF ($6500 *3% -  $60 = $135 net per year), plus that $135 would not vest for 5 years. 5 years of IRA contributions would get me to Platinum Honors and at that point only one year of my $135 IRA match would be vested  My referral Wealthfront 4.8% w/ .5% boost with referral (up to 6 month stack) & ATM network My referral Fidelity Bloom 5%, cash management account ATM reimbursement, not FDIC insured but SIPC which does not cover SPAXX dropping HMBradley 4.7%, requires positive cash flow & $500 deposit, & $500 spend on CC, BofA does not support for AutoPay Moving all Autopays and DD to Wealthfront --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Quick & dirty episode, been busy but wanted to get something up! YMMV 10% back on PayPay up to $300 spend/$30 cash back https://www.doctorofcredit.com/ymmv-paypal-get-10-back-on-up-to-300-in-purchases-anywhere/ CapOne BJs $10 membership https://www.doctorofcredit.com/ymmv-capital-one-10-bjs-membership/ HMBradley $25 routine Targeted Expired promo https://www.hmbradley.com/Routines-Funding-Offer-July?utm_campaign=Offer+Test+%232+-+Try+Routines+and+Get+%2425&utm_content=July+Flash+Offer&utm_medium=email_action&utm_source=customer.io $300 Liberty Bank SUB (MA, CT, RI only) https://www.doctorofcredit.com/ct-ma-ri-only-liberty-bank-300-checking-bonus/ CC funding allowed, waiting to activate SoFi card to open, apparently $1k funding per account opened New CCs SoFi $200 for $2k spend CreditKarma offer I somehow have two SoFi accounts. Made one years ago then made a new one in 2022 for a $200 banking SUB. CC app was approved but was put under my old account. Had to call, they can't merge the accounts so now I have two lol Wells Fargo Bilt Card Deliberated on opening this as it wasn't really worth it imo. Now that I was 11/24 with 6 in the past 2 months I thought I would try Went pending then denied. Called and told to call back when I get the letter Got the letter, recon isn't really recon they only say to call Experian to change things if the report is inaccurate otherwise there is nothing they can do Amex Google One targeted offer https://www.doctorofcredit.com/targeted-amex-offer-google-one-get-30-back/ I have Google One and like it. If you order Google devices, their 2TB plan gets you 10% back on the store which is awesome and stack with CC rewards When I signed up they have away a free Nest Hub Mini, might still be available https://www.androidpolice.com/upgrade-google-one-2tb-annual-storage-plan-free-nest-hub/ Discover savings account bonus is back. Cumulative deposits still count https://www.doctorofcredit.com/discover-savings-150200-bonus-1500020000-deposit-new-exp-103117/ Targeted $300 SUB for $500 spend on Quicksilver  https://www.doctorofcredit.com/target-in-app-capital-one-quicksilver-300-signup-bonus-with-500-spend/ Target Red is dead https://www.doctorofcredit.com/target-redcard-churning-is-dead/ Upgrade $150 Referral DD $1k in 45 days https://upgrade.com/r/Je6X42orBt https://www.doctorofcredit.com/upgrade-checking-150-50-referrals/ https://www.upgrade.com/funnel/borrower-documents/PROMOTION_AGREEMENT?productType=DEPOSIT&rewardProgramCode=DEP_CH_03 Priority Pass Restaurants Used at two different restaurants 2.5 hours apart in the same airport and got the credit both times https://www.doctorofcredit.com/know-priority-passes-can-used-every-two-hours-useful-restaurant-options/#comment-1432777 https://www.doctorofcredit.com/know-priority-passes-can-used-every-two-hours-useful-restaurant-options/#comment-1662319 I-Bond Selling https://www.doctorofcredit.com/212507-2/ Costco https://www.doctorofcredit.com/groupon-buy-costco-membership-for-60-get-bonus-45-shop-card-40-online-discount-more/ --- Support this podcast: https://podcasters.spotify.com/pod/show/churners-digest/support

Ideas on best places to park your cash to stay on top of inflation, including banks, bonds, and crypto exchanges. Plus a primer on stablecoins and avoiding collapses like Terra & Luna.(2:16) - SoFi & Ally @ ~1%(4:40) - HMBradley @ 3%(7:25) - Current @ 4%(8:30) - I-Bonds @ 9.62%(12:15) - Stablecoins 101(15:08) - What happened with Terra & Luna(21:32) - FTX fiat @ 7.9%(23:58) - Voyager USDC @ 9%(27:32) - Gemini GUSD @ 6.9%(29:26) - Stocks vs crypto(32:22) - Parking $10K vs $100K

Sign up for my Daily Fintech or Daily Digital Banking Newsletters here. Check out my latest podcast episode below: Welcome to another episode of our Daily Fintech Podcast. THE NEWS HIGHLIGHT OF THE DAY IS The CEO and co-founder of the neobank HMBradley, is looking for someone to retroactively name the company after, and he wants to give away $25,000 while doing it. JUST IN: ComplyAdvantage has launched a live sanctions tracker, an interactive dashboard displaying the latest sanctions on Russia following its invasion of Ukraine. ALSO: Grupo Financiero Banorte has joined a United Nations' program to offer digital bank accounts to refugees in Mexico. FURTHERMORE, When viewing hypergrowth startups as universities and founders as professors, Rappi has already "graduated" more than 100 founders that have created >14k jobs and raised over $2b in VC funding. WHAT ABOUT DIGITAL CURRENCIES? The Banco Central de Chile has delayed its plans for a central bank digital currency (CBDC) saying the issuance of a digital Chilean peso requires a deeper analysis of the benefits and risks, promising a new report toward the end of the year. WHAT ARE THE LATEST INSIGHTS? The fintech landscape in Vietnam is now experiencing the second-fastest growth in the region, after Singapore. According to analysts from Robocash Group, the fintech market in Vietnam is expected to grow to US$ 18 billion by 2024, despite the high competitiveness and a high entry bar.

Season 2 - Detailed breakdown of January 2022 churns across credit cards, banks, brokerages, cell phones, and misc categories.(1:15) - Credit cards (Southwest, Venture X, mealkits)(12:48) - Banks (Kabbage, FNBO, HMBradley, I-Bonds)(21:29) - Brokerages (Nadex)(23:17) - Cell phones (Visible)(24:15) - Misc (Cigna)(26:40) - Final tally ($1,085)

Season finale! Detailed breakdown of December churns along with a final year-end tally for 2021, plus a bonus recap on how the podcast is doing and some lessons learned making the show.(1:13) - Cell phones (iPhone 13, Boost, Visible)(8:36) - Bank updates (Chase Biz, HMBradley, I-Bonds, Lili)(18:37) - Credit cards (SW Performance, Hyatt Biz)(23:02) - Westin Kona mini-review (Marriott travel cert, Amex offers)(28:47) - Brokerages (Nadex)(29:06) - December tally ($647)(29:36) - 2021 tally ($10,497 + 150K Amex + 125K UR)(32:04) - Bonus: podcast recap

HMBradley is simplifying finances and encouraging savings with a unique value proposition. Zach shares a special code for the audience to test HMBradley's 3% saving account.

Zach Bruhnke, co-founder and CEO of HMBradley, had a shot at startup glory with his first fintech company Spout. After investor skepticism caused him to throw in the towel, he vowed not to have his own convictions be swayed in future companies. Zach shares how a crazy commitment to the vision with HMBradley as well as a natural approach to building relationships led to both company and fundraising success.-----If you're looking for more fundraising content, grab my weekly newsletter packed full of strategies and insights around how to raise money: fundedpod.com/newsletter

Saira Rahman is the VP of Finance at HMBradley, a Fintech Company looking to shakeup the Financial Services industry by helping customers turn into better savers through powerful tools and incentives that encourage them to save more of what they earn. Saira also hosts the popular Podcast: Girls Just Wanna Have Funds, a show about Financial Literacy and told through the power of friendship. To learn more about Saira please follow her on Twitter @sairarahman or on her podcast at Girls Just Wanna Have Funds. To learn more about Richard please visit www.thinkaen.com.   Show Notes: (01:11) Saira and her story (02:14) Saira and FinTech, working at Regional and Community banks (03:30) PPP Government Money and Community Banks (06:57) HMBradley and how it helps its differentiate customer deposits (08:34) Leveraging customer data (09:18) Neobanks (10:40) Podcast life, Girls just wanna have Funds (13:43) Podcast topics (14:44) Friendship and deep relationships (17:46) Saira reveals that she is, in fact, a vampire (20:12) Couples finance and how Saira and Megan discuss the topic on the show (23:34) Going through a divorce (25:18) Who will clear the browser history? (27:55) Reading 10Ks (28:57) Using margin for investments (29:49) Cryptocurrencies (33:46) StockTwits and 80% female podcast engagement (36:11) Season 2 and closing remarks  

In-depth analysis of HMBradley's unique deposit requirements to help reach and maintain 3% on $100K with less effort.

These days, which have been more populated with critiques of late-stage capitalism than most, the girlboss is facing a reckoning for one major reason: Instead of reinventing a system that put her down, she learned to play by the rules of her oppressors.What does that mean for the future of our social and economic frameworks? This week on Thinking Is Cool, we're going to find out.What you can expect from this episode of Thinking Is Cool:An exploration of the archetypical girlboss character and how she ascended to such powerContext and insight from women who've certainly avoided the trappings of girlbossery at a masterful levelSome digs at men I've worked with before (yolo)The inspiration (I think! And hope!) to reconsider the ways we tend to put each other in boxes, regardless of gender identityWe've got some really great insight in this episode thanks to two women who are all boss, no girlboss. Here are the guests in this episode:Molly Maloney is a Senior Associate at PwC consulting on tech and program management. She's incredibly bright and motivated, and I'm glad we're now friends.Carolyn Childers is the cofounder and CEO of Chief, a private network designed specifically for women leaders. Despite what you might think of private networks, Carolyn and her business are worth keeping an eye on. I loved speaking with and learning from her.Season 1 of Thinking Is Cool is brought to you by HMBradley, our exclusive launch sponsor. Deposit accounts are provided by Hatch Bank, Member FDIC. Credit cards are issued by Hatch Bank under a license with MasterCard. This is a paid endorsement.Follow me on Twitter. Sign up for my newsletter to follow my show easier.It's not worth getting dressed this summer if you're not wearing Thinking Is Cool merch. Buy some here.

There's no such thing as a city with livability, hype, affordable apartments, proximity to talent and money, and good food and people watching. But that's never stopped us from attempting to find it. The last year especially, we've been on the hunt for a new hub city here in the US as the post-Covid world opens up. In that search, long-held systems (both economic and social) have been uprooted—people who swore they'd never leave the Bay Area flocked to Miami like it was nothing. New Yorkers whose entire personality was being a New Yorker jumped on the first flight to Austin.Moving patterns have been undoubtedly accelerated in the last 12 or so months. I don't need to tell you that (Twitter probably already has). But what do those moves mean for economies, local and national, and the ways they're built? Today, we're finding out by examining four of this country's potential hubs: Austin, Miami, New York City, and San Francisco. Pack your bags. We're gonna have some fun.Follow me on Twitter and Instagram :)Season 1 of Thinking Is Cool is brought to you by HMBradley, our exclusive launch sponsor.Deposit accounts are provided by Hatch Bank, Member FDIC. Interest rates are variable and may change without notice. The minimum opening deposit required to open an HMBradley Deposit Account is $100. Go to www.hmbradley.com/apys to see current rates and the full Savings Tiers terms and conditions. This is a paid endorsement.It's not worth getting dressed this summer if you're not wearing Thinking Is Cool merch. Buy some here.

Probably not :( :( but it doesn't mean you don't have a part to play in mitigating the likelihood of climate disaster! This week on Thinking Is Cool, I'm exploring the ways we as individuals can engineer a world that's both livable and worth living in for future generations. Because at our current rate of environmental degradation, that's looking harder and harder.So what can you—someone who's neither Joe Biden nor Greta Thunberg—do to ensure the world doesn't go up in flames by the time you retire to Naples in a few decades? I've got an idea or two. Listen to find out what they are.Who you'll hear from this episode:James Casey, my cool college environmental economics professorDavid Wallace-Wells, the cool climate writer Professor Casey turned me on to five years backListen if you're looking for a little hope and a lot of insight. Remember, thinking is cool and so are you.Season 1 of Thinking Is Cool is brought to you by HMBradley, our exclusive launch sponsor. Deposit accounts are provided by Hatch Bank, Member FDIC. Credit cards are issued by Hatch Bank under a license with Mastercard. This is a paid endorsement.Follow me on Twitter and Instagram! Sign up for my newsletter! Do something crazy!It's not worth getting dressed this summer if you're not wearing Thinking Is Cool merch. Buy some here.

What might Barstool Sports—a company thoroughly emblematic of the feverish nature of our modern, digital world—teach us about ethics? More than you might expect.Here's what you can expect in this episode of Thinking Is Cool:A nuanced conversation about ethics, morals, and the ways late-stage capitalism has encouraged us to apply them to corporate entitiesLots of dunking on Barstool's idiot in chief Dave Portnoy...plus some shoutouts to the people working at Barstool who are actually not dumb or bad or dangerousCommentary on the inherent privilege of casting moral judgement against a potential employerA look at what really goes down in my DMsThere's a lot to unpack with this one, and I don't think the conversation around good vs. bad, ethical vs. unethical, or moral vs. immoral will ever really be over. So do me a favor. Go have a conversation with someone about Barstool and the role of ethics in the corporate world. You won't regret it.This week's guests are some of my most trusted friends, Twitter mutuals, and highly intelligent peers. Dan Attia. Dan is the head of research for noted internet guy Scott Galloway. If you've ever heard Scott speak, you've likely heard at least a few thoughts and ideas that started in Dan's mind.Josh Ogundu. Josh works in product at TikTok and has some of the best insights on modern work I've ever seen on Twitter.Alayna Treene. Alayna is a Congressional reporter for Axios and co-author of the Axios Sneak Peek newsletter. We also interned together at Bloomberg in the summer of 2016.Season 1 of Thinking Is Cool is brought to you by HMBradley, our exclusive launch sponsor. Deposit accounts are provided by Hatch Bank, Member FDIC. Credit cards are issued by Hatch Bank under a license with MasterCard. This is a paid endorsement.Follow me on Twitter. Sign up for my newsletter.It's not worth getting dressed this summer if you're not wearing Thinking Is Cool merch. Buy some here.

My name is Kinsey Grant and I want better porn. Well, more specifically, I want a more ethical, more enjoyable, and safer adult entertainment industry, one that works for everyone.Because everyone likes to get off. How you get there, though, is up to you. You might be into seeking out adult content that's made ethically, with both porn star and porn consumer in mind...or you might be into supporting mega-monopolies that systemically undercut creators and engender unsafe environments for all. Different strokes, right?For me, it's ethical and fair creation and consumption of adult entertainment that really revs my engine. This episode, we're exploring how “ethical and fair” become the norm.Who you'll hear from this episode:Cindy Gallop, the Michael Bay of Business (she likes to blow shit up) and founder and CEO of Make Love Not PornDr. Heather Berg, a feminist studies scholar writing about labor, sexuality, and social struggle. Also a professor of Women, Gender, and Sexuality Studies at Washington University in St. Louis and author of the book Porn WorkAllie Knox, a porn performer and OnlyFans creator Josh Kaplan...who's my cofounder which is plenty big as far as claims to fame go.Hit play. Listen. Learn. Think. And go have a conversation with someone.Season 1 of Thinking Is Cool is brought to you by HMBradley, our exclusive launch sponsor. Deposit accounts are provided by Hatch Bank, Member FDIC. Credit cards are issued by Hatch Bank under a license with MasterCard. This a paid endorsement.Follow me on Twitter. Sign up for my newsletter.It's not worth getting dressed this summer if you're not wearing Thinking Is Cool merch. Buy some here.

Neobanks have been sprouting up all over the U.S. in recent years and these days it feels as if someone is starting a bank each week. HMBradley's approach is focused on savers, those who want to build a nest egg for the future. Savings is not something that comes natural to most Americans, Zach and the team are trying to change that with their novel approach. Not only do we dig deep into the various products offered by HMBradley but we take a look at Zach's journey as an entrepreneur. We found out that the genesis for the company was built a long time ago with the help of Zach's parents.

Welcome to Girls Just Wanna Have Funds. The weekly podcast that deconstructs the intimidating world of finance. Hosted by Saira Rahman, VP of Finance at HMBradley, and her partner in crime, Megan McShane, a Manager at a Fortune 100 company, and supported by Stocktwits, Girls Just Wanna Have Funds will take on the important questions in personal finance that so many of us avoid….and also take on a glass of wine. Join us as we take a deep dive into the world of personal finance. Feel free to connect with us on twitter, you can reach Saira, @sairarahman and Megan, @meganpurcell20 Learn more, subscribe to the show, and join Saira and Megan on their no shame adventure to Financial Freedom at girlsjustwanna.com. Looking forward to hearing from y'all and please don't hesitate to leave us a rating.

Zach Bruhnke and team are creating “the best bank in the world if you are saver.” It's a bold mission, but HMBradley has gained serious momentum in 2020. Featured as a fintech to watch by many outlets, HMBradley doesn't exactly sound like a bank (although it is technically a bank). Our discussion took on some of the largest issues facing the financial sector incumbents today. This is one you won't want to miss.