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AustenAllred's profile
Austen Allred
Austen Allred
Austen Allred
Verified account
@AustenAllred

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Austen AllredVerified account

@AustenAllred

CEO @LambdaSchool (YC S17): A CS education that's free until you get a job. I have made remarks that I do not agree with.

San Francisco, CA
lambdaschool.com
Joined December 2010

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    Austen Allred‏Verified account @AustenAllred Jan 22

    Austen Allred Retweeted Steve Inskeep

    Criminalhttps://twitter.com/nprinskeep/status/955610980679077888 …

    Austen Allred added,

    Steve InskeepVerified account @NPRinskeep
    $12 per month for a checking account? Some math: If you have $1,000 in the account, $12 is 1.2% of it—per month. Multiply by 12 months: people without much money are charged an annual rate of 14.4% for the bank to hold their money and process checks. https://twitter.com/laura_nelson/status/955504854880813056 …
    9:17 PM - 22 Jan 2018
    • 3 Retweets
    • 27 Likes
    • Joanna Bell InvestorDeck Wes Brandon Lewin Austin Muñoz Eric Aleman Austin M. Craig Mark Zhuk 🦈 daniel singer
    5 replies 3 retweets 27 likes
      1. New conversation
      2. Serge Milman‏ @smilman Jan 23
        Replying to @AustenAllred

        Fake “news”. If you hold $1000 in your checking account, you can find many many banks that will offer basic services without charge (think about that - what other business offers its services for free?)

        1 reply 0 retweets 0 likes
      3. Austen Allred‏Verified account @AustenAllred Jan 23
        Replying to @smilman

        How is it fake news if Wells Fargo is doing it?

        1 reply 0 retweets 0 likes
      4. Serge Milman‏ @smilman Jan 23
        Replying to @AustenAllred

        Not very hard to avoid the fee. Also, there is no obligation by any business to provide a service for free.pic.twitter.com/sQijk521Lq

        1 reply 0 retweets 0 likes
      5. Austen Allred‏Verified account @AustenAllred Jan 23
        Replying to @smilman

        Not for you, perhaps

        1 reply 0 retweets 0 likes
      6. Serge Milman‏ @smilman Jan 23
        Replying to @AustenAllred

        10 debit/payments or a direct deposit? Shouldnt be too difficult for anyone with a job and life

        0 replies 0 retweets 0 likes
      7. End of conversation
      1. New conversation
      2. Matt Sutherland‏ @mattsuthe Jan 22
        Replying to @AustenAllred

        I honestly don’t understand why more people don’t use credit unions

        1 reply 0 retweets 2 likes
      3. Austen Allred‏Verified account @AustenAllred Jan 22
        Replying to @mattsuthe

        I mean I don’t use a credit union but I also don’t remember the last time I was charged a fee for *anything*, including wire transfers or printing checks at a branch. And it’s not like my personal balance is enormous

        0 replies 0 retweets 2 likes
      4. End of conversation
      1. BW‏ @DeseretAlts Jan 23
        Replying to @AustenAllred

        I don't think criminal is the word for it. There are good reasons for giving bigger accounts free service. It's in un-creative and leaving an opening for Christansen style disruption from the bottom

        0 replies 0 retweets 0 likes
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      1. New conversation
      2. Gates VP  💙  💜  💖  🏳️‍🌈‏ @gatesvp Jan 22
        Replying to @AustenAllred

        Consistent income and balances allow the bank to make bigger loans. They can lend out 10:1 or more on your balance, so even with a regular paycheck on a $50k, there's enough interest to cover your overhead. But if U R floating $100 most of the time, U R basically a liability.

        1 reply 0 retweets 0 likes
      3. Gates VP  💙  💜  💖  🏳️‍🌈‏ @gatesvp Jan 22
        Replying to @gatesvp @AustenAllred

        And it sounds gross, but banks are weird institutions. They are both "money transfer" businesses and "money lending" businesses mashed into one. Plus they get access to "Magic Reserve Money" and they are heavily regulated. This is all a side effect of their design.

        0 replies 0 retweets 0 likes
      4. End of conversation
      1. Karen Dawn Zachary‏ @KarenDZachary Jan 22
        Replying to @AustenAllred

        YES! Obscene.

        0 replies 0 retweets 0 likes
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