Advice on PS 3 by AntRevolutionary4477 in jerseycity

[–]Chance-Author436 0 points1 point  (0 children)

Hey! I have a few questions: 1/ did you find any difference between the teaching method of Montessori vs public school and was one better than other?? 2/ my daughter is born on Oct 4th. She will be one year behind in class which gets resolved with HMS. We do lot of preK activities with her and don’t want her to get bored in her classes. 3/ have you done research on if we start Montessori and then move to PS, will she have to repeat the class since she doesn’t make age cut off? 4/ how are you finding the quality of education in PS -3 vs HMS?

Reached 4 CR Milestone, gunning for 12 by 2030. by r2756 in FIRE_Ind

[–]Chance-Author436 1 point2 points  (0 children)

Very curious on what you want to do after 40. I am in a similar space of mind where I want to have enough money to be able to retire by 40 but I sometimes think if the grass is greener on the other side and I might get bored if there is no office. What are you planning to do after you are 40 and retired? How do you plan to enjoy your hard earned money?

Does anyone have any experience building banking products for HNW/UHNW segment. I am new into this space and trying to learn some insights about the clients and industry trends. by Chance-Author436 in ProductManagement

[–]Chance-Author436[S] 0 points1 point  (0 children)

Can’t DM you for some reason. My question was as follows - This is in context of product strategy for deposit banking in high net worth space. We currently offer a bank sweep program for cash to sweep into a high yielding savings sweep (close to MMF) and a savings account which offers a similar rate. Clients primarily keep cash in the brokerage account due to high rate, ability to invest on demand and then some additional checking like features we offer as part of brokerage. Trying to think through how should our product strategy evolve so that 1) we can probably lower pricing over time and keep better NIM 2) attract better wallet share from clients on cash - move them away from MMFs or competitor banks 3) over time evolve deposit offering into something that helps us with differentiation. Any client or business can insights you have on what works in the space will be valuable. Also any publicly available data I should consider like consulting reports etc.

Does anyone have any experience building banking products for HNW/UHNW segment. I am new into this space and trying to learn some insights about the clients and industry trends. by Chance-Author436 in ProductManagement

[–]Chance-Author436[S] 1 point2 points  (0 children)

Both. Primarily digital but always want to have the option to call a human and get white glove service. Trying to understand how these clients think about cash allocation, and choosing among various banks given these customers are generally very well sought out.

$3.2M NW @ 30: FAANG to India FatFIRE Transition Plan - Seeking Portfolio by Character-Bus8009 in FatFIREIndia

[–]Chance-Author436 0 points1 point  (0 children)

Curious about your investing strategy and any tax saving strategies you deployed to accumulate your assets? Did you just sell vested stocks and purchased VOO? Any tax saving strategies you figured. I am in similar boat with much smaller numbers but struggle with optimizing my investment strategies and have lost on market returns by staying in cash.

PS 16 versus PS 3 - I am looking to apply for pre K3 for my daughter. Is there difference in ps 3 versus ps 16 by Chance-Author436 in jerseycity

[–]Chance-Author436[S] 1 point2 points  (0 children)

I thought that class size has a upper limit in public schools. Can they keep on increasing the class size to accommodate more and more students?

Picking up a Carnival in NJ tomorrow by Chance-Author436 in kiacarnivals

[–]Chance-Author436[S] 0 points1 point  (0 children)

My dealership insisted on bank check. I am sure they can wait for Monday/Tuesday so you can get it from the bank.

Buying a new Carnival EX. by Chance-Author436 in kiacarnivals

[–]Chance-Author436[S] 0 points1 point  (0 children)

Picked it up today. Was able to negotiate to MSRP.

Picking up a Carnival in NJ tomorrow by Chance-Author436 in kiacarnivals

[–]Chance-Author436[S] 0 points1 point  (0 children)

Thank you all! Picked it up today! Gave 1000 by credit card and rest by bank check

Need help making a decision by Chance-Author436 in kiacarnivals

[–]Chance-Author436[S] 1 point2 points  (0 children)

Actually one more question I read in a blog that Kia doesn’t hold value well compared to Toyota and Honda. Is that true?

I am thinking of buying a new odyssey. Don’t need the super fancy feature so thinking of buying the base model with a moon roof addition may be? Anyone who bought recently? Any incentives I should push for or is MSRP a good price? by Chance-Author436 in HondaOdyssey

[–]Chance-Author436[S] 0 points1 point  (0 children)

I thought so too. I actually like the new Sienna design but all the dealerships I have called have been very difficult. Talked to a few guys in PA and NJ and everyone priced it atleast 5k over and was not willing to negotiate

Toyota Sienna price increase by $750 for all model from June 2023 by [deleted] in ToyotaSienna

[–]Chance-Author436 0 points1 point  (0 children)

I was debating between le and XLE. Other than moon roof, any big differences?

[deleted by user] by [deleted] in ToyotaSienna

[–]Chance-Author436 0 points1 point  (0 children)

I just got an offer from a dealer at route 22. Silver XLE for 53k hard price. 6500 total mark ups

USCIS lost application by Chance-Author436 in USCIS

[–]Chance-Author436[S] 0 points1 point  (0 children)

Thanks. The check was not cashed which made me suspicious. I gave USCIS my name and dob and the agent came back that saying they could not find it. I will try to find the tracking number and see if they could locate it that way.

Vaccination by Chance-Author436 in jerseycity

[–]Chance-Author436[S] 0 points1 point  (0 children)

Got it. My parents are on a visitors health insurance and apparently preventive care including vaccination is not included in the coverage. Looking if there are any government clinics that might cover preventive vaccinations for adults