Posts by Raymond Rivera6

Sarah Morris57 said:I actually got hit with those exact same questions when I was closing out my account.
I’m telling the teller what I want, and she’s just like, "Okay, let's just fill out this questionnaire first," and starts firing off questions at me. Honestly, I totally thought the whole form was about why I was leaving, but nope—it was all stuff about my kids, who I live with, and all that personal nonsense... so I just cut her off right there and told her I wasn't about to spill all that just because I'm moving my money elsewhere. She tried to play it off, saying it's just standard procedure now and they have to ask everyone, but I wasn't having any of it, so she eventually just backed off. It was at Chase.

I really don't know if people who still plan on doing business with them can dodge the interrogation like I did.

I'm not sure how to put this delicately, but I think you're exaggerating. Chase does have KYC questionnaires, but there isn't a single word in there about who you live with or anything regarding children. They might ask about your income, where you work, or the amount of a specific transaction, etc. They could have been updating your basic info, but even then, they don't ask about a spouse or kids—just the standard stuff like address, SSN, etc. Nothing deeply personal. At most, they might ask the reason for closing the account.
It feels like someone is just venting here and maybe embellishing the story to make it sound more dramatic.
Given how much work they have and how much they want to wrap things up smoothly with customers, I highly doubt anyone behind that counter actually cares whether you have kids, if they're in school, or what you had for lunch today. They don't have nothing better to do.

I suppose I should have seen this coming, though that doesn't make the reality any less grating. It seems we’ve reached that point where everything is labeled as "extreme," a word thrown around with such reckless abandon these days that it has almost lost its teeth. It feels like we can't even have a nuanced conversation anymore without someone cranking the volume up to eleven just to prove a point. In my experience, when people start reaching for superlatives like this, it usually means they’ve run out of actual arguments. It’s a bit wearying, honestly. We used to debate the merits of policy or the specifics of an idea; now, it feels like we just categorize everything into these massive, polarized buckets. Everything is either a catastrophe or a miracle, with absolutely no room for the grey areas in between. I guess that’s just the way the pendulum swings, but it makes navigating any meaningful discussion feel like walking through a minefield of exaggerations. Maybe it’s just me, but I find the constant escalation to be exhausting. kaže:
I don't believe what the professor said was right, but I suppose it's one of those situations that could realistically happen. Honestly, I find these kinds of outbursts regarding terminations—and this general lack of tolerance—to be quite shocking. It seems there is a significant failure here to grasp the basic responsibilities and the mindset required to actually function as an educator.

When I suggest that these kinds of things are entirely possible, I’m looking at it through the lens of everything a teacher has to endure in a single day, a month, or even a year. Honestly, that kind of context is something only someone actually working in the American school system can truly grasp. I think I see where Raymond Rivera6 is coming from. In an American classroom, you face situations that eventually force your hand: either you hit a breaking point, much like the teacher mentioned here, or you simply learn to emotionally check out. You start operating on autopilot just to make it from one bell to the next, because, frankly, I don't think there's a better way to protect your own mental health.

When I first started teaching, my very first class was an eighth-grade group. Right out of the gate, they weren't interested in the curriculum; the first thing they asked was what kind of car I drove, mostly because they were already plotting ways to key it or slash my tires. It wasn't just one instance, either. After every single period, as I’d make my way down the hallway, they’d follow me like a pack of wolves, making these constant, unsettling comments about how much they wanted to push me down the stairs. Then there was this one specific student. For the entire school year, he never once brought a notebook or a textbook to class. Instead, he spent every single hour interrupting my lectures with these vile, intrusive questions—asking if I wore thongs or regular underwear, inquiring about my wedding night, my bra size, and all sorts of other disgusting things. Of course, you try to stay professional. You ignore it and pretend it doesn't get to you, but underneath that mask, you're just accumulating this heavy sense of misery, sadness, and pure frustration. As fate would have it, that same kid—the one who never owned a single piece of school supplies—ended up enrolling in the high school where my husband teaches. Later on, my husband found out from the school counselor that the boy's mother had actually come into the office ahead of time to lodge a preemptive complaint. Apparently, she was worried that because I was his former teacher, my husband might somehow take his frustrations out on her son. It’s quite telling, really. The mother was fully aware of exactly how her son behaved during that eighth-grade year. She never once apologized for his conduct; instead, she spent her time defending him and even went so far as to accuse a professor she hadn't even met of being potentially vindictive toward her child. It makes you realize that sometimes, the dysfunction starts long before the student ever walks through the classroom door.
My husband just isn't that kind of person, and honestly, it’s something that would never even cross his mind. Fortunately, everyone in the administration at his school seems to realize that too, so I suppose the whole situation just died right there.

You run into situations like this more often than you’d care to admit. It’s almost a daily occurrence at this point. I suppose it’s entirely understandable when someone finally hits their breaking point, no matter how much effort they put into staying composed or playing fair.
What’s truly disheartening isn't just the behavior itself, but the realization that these kids aren't inherently flawed—they are simply reflections of their parents and the environment they're raised in. It leaves you feeling somewhat helpless, if I'm being honest. I suppose it starts when a sixth grader looks you in the eye and asks why you think you're so important, all while clutching an iPhone that probably costs more than my monthly rent. Or maybe it's that first-grader who tells you, with total sincerity, that he won't bother finishing school because he'll just inherit his father's hedge fund and have enough money to do whatever he wants. In those moments, I find myself caught between wanting to feel sympathy for the child and feeling a profound sense of frustration at the situation. It’s hard to know which emotion should take precedence. It's fairly obvious that these sentiments don't just materialize out of thin air; they are carefully cultivated at home. You can't really expect a child to show respect toward authority or educators when they spend their evenings listening to their parents disparage the entire school system. I recently overheard a third-grader in the restroom telling her friend that her mother was going to call the principal to ensure her English teacher gets fired, just because they handed out a third quiz in one week. When you witness that kind of entitlement being passed down, you start to wonder what the future holds. It's quite a heavy thing to process.

I find myself increasingly disillusioned by the blatant lack of respect parents show toward the teaching profession, a cynicism that they inevitably pass down to their children. We were just discussing this recently after observing youth sports practices—it’s honestly disheartening. You see coaches berating kids, calling them names like "idiot," "jerk," or "lazybones," and the parents just sit there. They don't say a word. They don't intervene. It’s as if they’ve collectively decided that verbal abuse is just part of the game. I suppose I wonder why so few people seem to find this tragic. Why is there such a disconnect? It feels as though society has decided that a high school football coach carries more social weight than a dedicated educator. Maybe it's a shift in values, but it’s hard to wrap my head around why we place more prestige on a coach than on a professor who is working themselves to the bone just to ensure a child actually learns something meaningful. I guess we're just living in an era where expertise is being traded for bravado.

In an atmosphere this toxic, it’s incredibly difficult to maintain any sense of composure or carefully weigh every word you say. There are times when perfectly reasonable comments from a frustrated parent can be twisted into something malicious, seemingly targeted directly at their child...
I mean, I don't think what the teacher in the opening post said was right—it was completely wrong, obviously. But I fail to see the reason for such a massive meltdown or all these threats about terminations. I honestly don't understand where all this hatred comes from, or this lack of respect for the people who spend the vast majority of their day with your child. Most of them are actually trying their damn hardest to teach them something and show genuine care and fairness. Instead, all they get is constant disrespect.

Why is it considered acceptable today for a mother to hand in a note that's just a torn scrap of paper from a notebook saying, "Excuse my child from 5th period on Tuesday, dentist appointment"—no greeting, no thank you, no signature, nothing professional?
And why is it that nowadays, we act shocked in the faculty lounge if a student sends us a card addressed to "Dear Ms. Professor"? Why has being normal become something we find strange?
And why is it so hard for people to grasp that in such a dysfunctional environment, you’re bound to make mistakes? You might say something you know is wrong, feel terrible about it, and move on.

Do you honestly believe education is the only field like this? Do you think that as a personal banker at Chase, I don't deal with idiots who disrespect me or accuse me of stealing? Or blame me for interest rates and loans, acting as if the rest of us don't deal with stress and that life should just be some fairy tale for everyone? But you know what would happen if I just snapped at the next client because the previous one had been mocking me or asked if she was stupid because she couldn't grasp my explanation?
Personally, I wouldn't fire this teacher, though I might give her a formal warning just so she thinks twice next time. I'm reading this woman's posts, and while I have no desire to argue with her, her frustration is so palpable that I almost feel sorry for her. There is so much bitterness being poured onto a child she doesn't even know, making fun of his struggles and his age (he’s 10, turning 11 soon, and started school at 6—a dyslexic type of intelligent, defying the odds). It's also quite a stretch to talk about his "rights." He has so many rights that we practically find ourselves thanking God for his dyslexia, because without those specific accommodations that allow us to navigate things, I'm not sure how we'd manage.
It feels like we are only here to make life harder for teachers and people like her, for heaven's sake.
As I mentioned before, respect is earned. I have nothing but the utmost respect for my child's former teacher; my kid absolutely adored her, and I can never thank her enough for her effort and patience.
As far as I'm concerned, we can close this thread.

wanderingbadger44 said:What are you suggesting here—that we should brand kids with dyslexia on their foreheads or something?

Look, I’m probably going to stir up an argument by saying this, but I truly believe that when a child lives with dyslexia, they become aware of it; if their parents have taught them to embrace their neurodivergence, that kid can walk into a fifth-grade classroom and calmly say, "I'm sorry, I can't see where I went wrong because my dyslexia makes reading difficult." ☕

The original post actually explains things quite clearly: the teacher pointed out a mistake and asked him to fix it. It’s not like she walked up to him and called him stupid just because he missed a mark.

If a student has been dealing with dyslexia for a while, they’ve likely faced these hurdles many times before, much like how someone learns to navigate a constant obstacle in their daily path. They learn to manage it. If the kid just sat there staring blankly after she pointed out the error, it’s easy to see why she might have misinterpreted that silence as him acting like he didn't understand.

That being said, she shouldn't have gone there.

I’m just pointing out that having dyslexia doesn't make a student slow or incapable of communicating. ☕

No, he isn't slow, nor is he mute, nor is he stupid. In fact, since you all seem intent on twisting my words, he scored well above average on every intelligence test—which, I suppose, is how it goes for most people with dyslexia. The kid was raised well; he isn't used to being spoken to that way, nor is it normal for him to have someone ask if he's stupid. So, naturally, he froze up. He's ten years old, after all. But I guess you're right; judging by various posts on this forum, it might be better for him to start getting used to this kind of treatment now.
It’s just like those arrogant teachers who think respect is automatically earned just because they finished college and passed a few certification exams. They act like they hold the keys to everyone's lives. But since they're working in those tiny, miserable little school districts with terrible conditions and zero flexibility on vacation time, I suppose that little interaction in the third row by the door really made his day.

shadowrider28 said:I wasn't actually referring to your opening post, but rather to those specific comments that generally target anyone involved in protest movements; it is always the same handful of users (who regularly post on similar topics) using your situation merely as a smokescreen to lash out at the same old targets. That is all there is to it, and I shall now withdraw from this discussion.

Look, it's not as if everything in the education system is perfect; there is plenty of room for valid criticism. It's the same in my own field, banking (where we're all just thieves, right?), or in medicine with doctors looking for kickbacks... Pointing out flaws and being blunt is just a way to show when something isn't working. It shouldn't be taken personally, nor should any profession be treated like some untouchable, sacred guild. If someone in my sector embezzles money, I certainly won't be standing by them or making excuses for their behavior. A fundamental failure occurred, and there is simply no justification for it.
But I suppose we've wandered far from the original point. Thanks to everyone for the comments.

shadowrider28 said:I find myself disinclined to engage in any sort of heated debate, for I have already remarked that I possess a rather clear understanding of exactly where this trajectory is headed. 🙄

While this might seem somewhat tangential to our primary subject, I was merely offering a reflection on that particular comment regarding the existence of double standards.

When one considers the matter of insults, does it not strike you that we are dealing with an entirely subjective landscape? It is a fickle thing, really. For instance, there are those students who perceive a mere letter grade on a transcript as a profound personal affront, a slight against their very character. And what follows? Naturally, the so-called "responsible and conscientious" parents descend upon the school administration, demanding that some grand sense of justice be served. They march in to demand retribution for this perceived injustice—which, in their eyes, is both the grade itself and the insult of receiving it—as if they were litigating a constitutional crisis rather than a mid-term evaluation, wouldn't you agree?☕

If you don't want to engage in a debate and if you already knew how this would play out, then the simple solution is to just skip it rather than throwing stones from the sidelines. It's quite straightforward.
I didn't start this thread to smear the entire teaching profession; I opened it because I was facing a problem and wanted to hear some independent perspectives.
There is nothing subjective about the insult directed at my child. It truly saddens me that someone in your profession—which I assume you are—equates a teacher asking "are you stupid?" with a final grade. Based on that, I can only assume you either think I'm lying, which would be the better alternative, or that you find such behavior perfectly normal. If it's the latter, that's deeply concerning, as it only invites more chaos within this sector.
In any case, I certainly don't envy the students you teach.

silverraven14 said:So, teachers get two strikes, regardless of what kind of mistake it was.

Does that rule apply everywhere else? Like, should we be looking to fire a bank teller for failing to pass along paperwork, or someone who typos an address, or just having a rough day? Or a bus driver, or a cashier at Target...

Look, people mess up. Pointing out a mistake is part of the job—obviously.

But tossing around formal warnings as a precursor to firing someone?
Would you demand a disciplinary write-up if kids cheated on a test, or if a teacher gave out unearned grades, showed favoritism, snapped at a student, covered up a broken window, or had a bad sense of humor that hurt someone’s feelings—even if they didn't realize they'd caused offense?

It happens. We make piles of mistakes every single day, and plenty of them are unacceptable.
But once you realize it, or someone calls you out, you react, you learn, and you try to do better.

Yes, you're allowed to have a bad day and not be "perfectly upbeat" all the time; if you can shake it off, then fine.
Ideally, those moments should be kept to a minimum.

But honestly, how many of us haven't thought, "Stop messing with me, you idiot"? Everyone needs a moment before things escalate into verbalizing that thought.

What she said was blunt, sure. But in my book, that isn't grounds for a termination warning.
It’s actually a good sign that she publicly admitted she screwed up. There's hope there—that she'll learn from it and be more careful next time. She might slip up again; she's a human being, not a robot. A million different things influence how you perceive a situation and how you react.
It takes a lot of practice.

But let's be real: if people weren't willing to show some grace for your mistakes, and if apologies didn't carry any weight, I wonder how long any of us would actually last in our jobs.

Firing should happen when there's a pattern of grievances—when someone refuses to fix the situation and just insists on doing things their own way. That's why management needs to be aware of the context. One bad joke, a student dragging their feet while your clock is ticking, or a kid being a smart-ass can throw anyone off balance and lead to a mistake.
What matters most is what follows the error.

I haven't met a single person who is infallible or hasn't said something inappropriate at some point in their life...

Now, repeating the same errors over and over, or a constant stream of different mistakes stemming from the same core issue, combined with a refusal to improve or a stubborn attitude? Yeah, that's grounds for dismissal.

Verbal aggression is deeply rooted in our culture, and it's incredibly hard to never lash out. Manipulation falls under that umbrella too—verbal abuse. There are about 15 different types of it.
In my opinion, what turns an action into abuse is the reaction afterward and the underlying intent.
If a person realizes how badly they messed up and genuinely tries to make amends, I wouldn't label that as abuse; I’d be ready to say, "Alright, let's move past this."
But if the goal was to make the other person feel small, or if they don't care that the person felt hurt—then yes, that's abuse.

People often don't realize how much stuff qualifies as verbal abuse. Assuming someone is acting with pure malice right out of the gate is a very slippery slope.

There are negative actions that can be repaired and relationships mended, and then there are the ones that are irreparable. For the latter, fire them immediately. For the former, you observe.
Since part of the evaluation depends on how the recipient feels, rushing to terminate someone is pretentious. For instance, someone might take great offense because a teacher says "no" firmly, even after explaining the reasoning fifty times previously. People don't have infinite patience; it's a question of where everyone's limit lies and which day it happens.

We all have that one person who gets under our skin, and we react. Sometimes it's your husband telling you that you went too far because you couldn't see it yourself. It doesn't matter how much education or willpower you have; you aren't a robot. You're driven by emotions—which are often stronger than a paycheck—especially when you don't have massive pressure from above crushing your spirit.
And you want your child to forgive you. That's just human.
Why shouldn't we give others the chance to forgive us, too?

Even a child learns who no longer deserves forgiveness. They feel it. It doesn't need to be a strictly codified tally. Sometimes one mistake is too many, but sometimes we can handle ten if we see genuine progress, effort, and accountability.

I think this conflict was handled reasonably by both sides, and I hope we won't be hearing about it again.
Honestly, a formal written warning feels like total overkill at this stage.

Sure, verbal aggression is deeply embedded in our society, but isn't it precisely the job of an educator to try and uproot it rather than encourage it?
It's true, everyone has bad days, but frankly, as a parent, I don't care. I don't care if she had a fight with her husband, if her paycheck was light, or if she's just in a mood for some arbitrary reason. At the end of the day, a person with her level of experience—she's hardly a novice—should have mastered emotional regulation long ago if she chose a career working with children.
What I'm seeing at home is a pre-teen being set back to square one. Because as his parent, I remember vividly what we went through when he was in second grade, coming home in tears because he felt stupid, wondering why everyone else could do things he couldn't. There were thrown books, outbursts of frustration, my constant encouragement, and likely even some teasing... And now that things have finally stabilized, an educator tells him he's stupid.
I am not the type of parent who hunts for flaws in teachers over every little thing—like when dala mentioned him having to wipe the chalkboard in first grade, or when he tripped during recess and where the playground monitor was. I am fully aware that there are incredibly exhausting parents out there, but in this specific instance, I believe she earned that reprimand.

It happened. I went to meet with the homeroom teacher first—an official introduction, really—to lay out the issue. The teacher in question was summoned as well, and she gave me this line about how she had no idea my child was struggling. Honestly, I find that hard to swallow, considering the school records clearly state that the student is supposed to be on an individualized learning plan, but I suppose I’ll let that slide for now. I made it very clear that I don't want a repeat of this situation. I told her that if there are any further issues or ambiguities, she should feel free to reach out directly since my number is in the directory. I mentioned that I used to have a wonderful relationship with the previous teacher and expressed just how disappointed I am by this approach, which does nothing but undermine a child's confidence. Still, for the sake of my kid's well-being, I told her I was willing to move past it this once.
Today, my child tells me they actually stood up in class and gave a little monologue about how even adults make mistakes and shouldn't treat others the way they were treated.
Truthfully, I'm not satisfied with how this wrapped up. In my mind, the teacher deserved some kind of disciplinary action, but since transferring to a different classroom isn't an option, I ended up taking the path of least resistance.

I’m looking for some advice because I’m honestly so livid right now that I probably can’t think straight or be objective.
So, my son just started 5th grade. He moved from an elementary school to a middle school, which meant new subjects and new teachers, but everything was going fine for the most part. Back in 1st grade, we noticed some issues with his reading and writing—various tests, speech therapists, psychologists—until they finally diagnosed him with dyslexia in 2nd grade. That’s when our real battle began. It’s been constant daily practice and an incredible amount of effort on his part, but I can finally say those hurdles are mostly behind us. He reads technically well; when he writes quickly, he might make a tiny mistake here or there, but it’s negligible.
He came home from school last night and told me his English teacher called him stupid, and now he doesn't even want to talk about it. Now, I don't necessarily assume he's lying, but I suppose there's a possibility he misheard her—maybe she was just reprimanding him and he thought she was questioning his intelligence. I am desperately hoping it was just a misunderstanding. I’ve already reached out to a few parents whose kids he gets along with, asking them to see if their children heard what actually happened. And this is what happened: she called him up to the board to write something, and he swapped the letters 'b' and 'd' in two places. She told him to look closely and correct the error. He looked, didn't catch the mistake, and then she asked him if he was actually stupid or just pretending to be.
I've decided today that I need to go to the school, but I have no idea where to start. Should I go speak to her directly first? Should I go to the homeroom teacher or the principal? Do I actually have the right to make a massive scene over this, or am I overreacting by feeling like she humiliated my child in front of the entire class?
Any thoughts would be appreciated.

boldhound34 said:Thanks for the response 😉

Is it possible to make installment purchases using a Visa debit card linked to a checking account? A teller at my local Chase branch mentioned something about it
. Also, I was wondering if any of the cards in a typical student banking package allow for cash advances that can be paid back in installments? For instance, if I withdraw $333, could I pay it back over five months? Or is it strictly limited to installment purchases
? Oh, and one more thing—how many days does it usually take for the cards to arrive 😉?

The student package includes an overdraft limit of up to $333, which you can utilize if needed. Regarding the Visa, you can also set up installment plans for purchases up to $333. As for delivery, it typically takes about 7 to 10 business days for the cards to be processed and sent out.

Lawrence Cruz said:Which bank actually charges for deposits made into a personal checking account held at that same institution? From what I can tell, neither JPMorgan Chase, the Federal Reserve, nor Bank of America does.

Bank of America definitely hits you with a fee—it’s at least $2.00, or about 1% of the total if you're handling it in person at a branch. I don't really deal with other banks, so I can't say for certain what their policies look like.

stormycrane3 said:Hi there.
I’m trying to wrap my head around how these deposit fees work. Basically, I’m transferring money from one bank to another—they aren't the same institution, like moving funds from Erste Bank to Bank of America. When I went to the teller at Erste Bank, she warned me that if I intended to make the deposit right there, I’d be hit with a $2.75 fee. She suggested I just head over to Bank of America instead, since I wouldn't have to pay anything if I was depositing into an account within the same banking system, plus the funds would land in the destination account instantly. But then, after all that, the lady at Bank of America ends up telling me $2.75 fees. Hahaha! I'm honestly confused. What's the deal? I didn't even ask why I had to pay a fee, but is it actually true that if you're depositing money from one bank (Erste Bank) to another (Erste Bank), you don't have to pay a fee at all?
The exact same thing happened to me today when I was moving money from one credit union to another credit union, where the account was internal, yet I still had to pay a fee?

If you are making a deposit into a savings account, whether it belongs to an individual or a business, you are almost always going to face a fee, regardless of which bank you walk into. Deposits made into a checking account generally don't incur fees if you're staying within the same bank, so I’m guessing you were attempting a transfer into a savings account.

Nicholas King3 said:But from what I gather, Chase only really clears you for overdraft protection or setting up a payment plan if you’ve landed a permanent position indefinitely, though I guess there might be a few loopholes out there... just not sure which ones specifically...

I'll probably have to swing by the branch once that first paycheck actually hits my account

To qualify for an overdraft, you generally need at least a six-month contract. You should probably bring a copy with you; they’ll likely ask to see it when you get to the branch.