DAVE F

I am a third-year student and about to apply for 2019 fall Grad School. Undergrad Institution: McMaster University (Canada) Major(s): BSc honor in Financial Mathematics & Actuarial Science (Under Maths&Stats Department) GPA: 3.68/4.0 (Math&Stats GPA: 3.9) Expected GPA when applying: 3.75/4.0 'Expected' GRE General Test (I have not decided to apply for US Grad, but I am preparing it) : Q: 167-170 V: 155-160 W: 4.0-5.0 Math: Linear Algebra I A+ Linear Algebra II B- Intro to Math Reasoning A+ Intro: Math Sci Computation A+ Calculus I, II, III A+ Intro to Mathematical Finance A+ Intro to Differential Equatns A+ Numbers for life A+ Mathematical Finance A+ Stats: Intro to Prob A- Stats MethodApplication A+ App.Regression Analysis with SAS A+ Mathematical Statistics I A+ Actuarial Math I A+ Actuarial Math I A+ Time Series A+ Programming skill: Python/SAS/R Courses all A+ Reference Letter: Got one very strong reference letter from a 60 H-index professor. Work experience: Currently work part-timely as a teaching instructor in an off-campus Institution. Awards: Dean's list Applying to: MS: Harvard(Data Science) NYU(Data Science) Stanford University(dream school)(Data Science) McGill University(Data Science) University of Toronto(Data Science) Northwestern(Data Science) Columbia University(Data Science) University of Waterloo CMU UCB(Statistics) Concerns: 1. Low GRE Verbal scores 2. I still have a half year to strengthen myself, is it important to start a research about Stats? 3. My fresh year GPA is hell low, under(3.5) 4. Canadian Universities have an average GPA around 2.7 to 3.0, which is pretty lower than US's undergraduates. I know my targets are pretty difficult for me to reach, but I still have time to prepare. If anyone could give me some advice about my profile, I will appreciate a lot. Thanks a ton in advance to anyone who responds