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HeartString

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Posts posted by HeartString

  1. I work for VIPKID. Yes I do get up and start work at 5. But it’s been worth it. The several thousand I make a month really helps with our expenses. I sometimes work on Friday or Saturday nights. Basically I teach for 3.5 hours every morning. And you can make about $18-20 an hour.

    There’s no way I can work outside the home right now. This is the only thing I can find that would work. I work while the kids are asleep. And now I go to bed at the same time they do. Oh well! Working from home in pj’s is worth it. There’s not a lot of outside expenses to get started and you don’t need a work wardrobe. I’m so not a morning person but watching my paycheck add up is motivating. At least I feel like I can help in some way.

     

    And to the OP: I’m so sorry. That really stinks. My hubby would be looking for alternatives I think. That’s a big big pay cut. And I would be stressed too!

    My husband actually works for VIPKID and he gets up at 6, M-Sat and teaches Friday and Sat night. He could work more with them, but this brings in around $600 a month extra.

    • Like 1
  2. We do an equal number of gifts. I would wrap up the Legos, not because the kids were counting gifts, but because I do. It would upset me and make it hard for me to enjoy the holiday if I felt like I had short changed one of the kids. I'm an expert at mom guilt. So we would fix the problem with the Legos because Happy wife, happy life, ya know?

    • Like 1
  3. I can see a government body charging a fine or penalty for negligence. I don't really understand what an "insurance penalty" for negligence would be. Insurance is paying for something ahead of time so that if I experience a risky event, I do not face financial harm. It isn't about charging people a penalty after they do something. In fact, negligence, in some cases, will negate insurance coverage.

    My thoughts are that it would be like liability insurance for cars. When I was rear ended because the car behind me was negligent, the insurance company paid me, while the guy that hit me was on his own. He wasn't punished, not even ticketed, but I got a check towards a new car. Same for a shooting. The victim would get medical bills, lost wages, funeral expenses. The gun owners only punishment would be hiked up rates, or loss of coverage. If he was deemed uninsurable, he loses his right to own a gun, because he wouldn't be a safe responsible gun owner any longer. We restrict felons from owning guns, why not people with proven poor records. Maybe classes could be taken to earn the right back, or something. I'm sure smarter people than I could make it work.

    • Like 1
  4. If a social worker lives and works in a generally low crime rate area, but once a month works in a high crime area, and carries her gun there does she have to pay a higher insurance rate because she is entering a high crime area. A single mom living in a high crime area who chooses to have a gun for protection would need to pay higher insurance? This seems to me to be an odd group to penalize. Is having a high proficiency with a gun at all related with how the person might use the gun? (In fact, would someone who has high proficiency be more likely to be able to hurt more people more quickly with a gun and therefore be a bigger risk).

    People in high crime zip codes pay more for car insurance already.

     

    I wonder if all these same arguments were made when carrying liability car insurance started to be mandated? I see a lot of parrelells in the arguments against the idea.

    • Like 2
  5. My thoughts are that "firearm insurance" could work as an inhibitor on high risk behavior. Like a high risk driver that can't get covered, or a falling down house, or how having a pit bull costs extra. The insurance companies, not the government, would be keeping up with training, back ground checks and what styles of weapons and accessories are allowed, based on their evaluation of risk.

     

    If there was an insurance company paying out right now for 26 deaths and how ever many injuries in Texas, they would be looking into ways to prevent it from happening again. I bet getting coverage for a bump stock woukd have been impossible in the first place.

     

    Having to get insurance before you purchased a weapon would act as a forced cool down period. I bet they would do a more thorough background check since they would be on the hook for a misjudgment. The cost of coverage would prevent someone from buying 47 like the Vegas shooter. And someone that was not the government would be seeing the red flags that should have been raised from a single person accumulating so many weapons so fast.

     

    Antiques could be insured cheaply, the way we insure antique cars.

     

    Excuse typos, I'm on my phone.

    • Like 5
  6. One thing that concerns me is that I know a number of people who say I don't want to remove our right to own guns. I just want better, more strict laws. Then, when I hear some of those laws, they would apply to many people I know (or have some other significant impact on them). For example, the majority of the people I know have a family member (who has lived with them at least at some point in their life) who has experienced something that could fall under the category of mental illness. I would not want, for example, a woman to have to make the choice of having a gun if she feels that is an appropriate way to provide for her safety (or if she is a hunter, or whatever reason), and have her daughter who has suffered from depression at some point return home to live with her while she is going through some transition in her life. I have heard some, however, propose that a better law would bar anyone who lives with someone who has suffered from mental illness owning a gun.

     

    I see little evidence that shootings occur because of a lack of training (in fact many occur by highly trained individuals), so I have difficulty seeing how that is going to help address the underlying problem.

     

    I also don't see how liability insurance would really address the issue either. Is the idea that insurance companies will be better able to determine risk of who will misuse a weapon and refuse to insure those individuals?

    The liability insurance and training requirements would be to prevent some of thousands of accidental shootings that occur each year. A requirement to lock them up, or at least secure,them could also help prevent the thousands of children that shoot themselves or others every year. Mass shootings are a problem, but aren't the entire problem.

    • Like 7
  7.  

    [*]States where disclosure to NICS is authorized, but not required: The following states’ laws explicitly authorize, but do not require, reporting to NICS:85

    [*]Colorado

    Florida

    Nebraska

    Missouri

    Pennsylvania

    West Virginia

    • States that collect mental health records but do not address disclosure to NICS: The following states’ laws acknowledge that they collect mental health records for use in firearm purchaser background checks, although these laws do not address disclosure to NICS:

      Arkansas

      Michigan

      Ohio

      Utah

    I hope I quoted properly. Making this reporting mandatory is a law that would have helped in this instance. That would just be a tweak to a current law.

    • Like 1
  8. I guess I sort of feel like it's more racist to tell a little white girl who wants to be Moana, no you can't be that princess because she's Polynesian, than it would be just to let her be whichever princess she wants and not see the race. It feels like it's teaching the child to think of people by their race or ethnicity and personally I've always taught my kids that people are all the same and have different skin colors just like people have different eye or hair color. I wouldn't teach my kids to discriminate in that way.

    I could not agree more!

  9. Toy lazer trip wires. They sound a loud noise if the beam is broken but are harmless. The noise might startle and discourage the dogs from coming on your property. Sort of like the electric fence but less hostile feeling.

     

    https://www.walmart.com/ip/Wild-Planet-Spy-Gear-Lazer-Tripwire/4066630

     

    https://www.hobbychimp.com/products/spy-gear-lazer-defense-network?gclid=Cj0KCQjw5arMBRDzARIsAAqmJexxC_xN7WiZBhbh5eyrHRNoko86yTQonEJkQ_thRRR-noJU76zzyJ0aAhN6EALw_wcB

    • Like 1
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