Why Should You Keep an Emergency Savings Fund?

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Question
You want to know why you should have an account with money sitting around. Why should you prepare for an emergency fund?

Answer
Emergency money is needed for these things:

1) Unexpected dental bills.
2) Unexpected medical bills.
3) Sudden job loss. Some employers get behind in their payments, and the employees believe payments are forthcoming, but the delay can turn into years.

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How Can You Profit from a Sudden Decline in Cryptocurrency Prices?

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Problem scenario
You have a significant amount of cryptocurrency, but you want to benefit from what you think will be a certain decline. You want to hedge against loss to insure your total investment is not purely correlated or dependent on high cryptocurrency prices. How do you short cryptocurrency prices (to make money)?

Answer
Short selling is an option. You must be cognizant of the risks.

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How Do You Use Colgate Anywhere, Anytime Sensitivity Relief Serum?

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Question
Many anti-sensitivity toothpastes have not worked for you. You want to try Colgate Anywhere, Anytime Sensitivity Relief Serum. What should you do to try it?

Answer
Place the cream/serum where there is sensitivity on your tooth or teeth. Do not use it as a toothpaste. It is a topical cream/serum.

Remind patients that this product is a serum to be applied and massaged directly to the sensitive area and not a paste to be brushed on.

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What Solutions Are There for Sensitive Teeth?

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Problem scenario
You had some juice or fruit that had a significant amount of citric acid. Your teeth are now sensitive when you eat or drink something that is cold, hot, or crunchy. What should you do? Are there products with different active ingredients to reduce the sensitivity in one or more of your teeth?

Possible Solution #1
There are different anti-sensitivity toothpastes where the active ingredient could be Arginine bicarbonate (Tom’s of Maine toothpaste),

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What is Layer 2 in the Context of Cryptocurrency?

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Question
What is layer 2 in the context of cryptocurrency?

Answer
It is a secondary blockchain that facilitates smart contracts (link). Layer 2 is a second layer of a blockchain, an assistant blockchain, or a sidechain (https://www.ledger.com/academy/topics/blockchain/what-are-ethereum-layer-2-blockchains-and-how-do-they-work). A layer 2 for a cryptocurrency can support more features and more transactions per second (thus more users). A layer 2 can increase the speed which can be attractive to the adoption of a given cryptocurrency.

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Will the Price of Bitcoin be Cut in Half at the Halving?

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Question
You heard about the Bitcoin halving. Will the price be cut in half or will the quantity of Bitcoin in circulation be cut in half when the halving happens?

Answer
Neither of those things will happen. New Bitcoins are awarded to miners regularly. When the “halving” happens, the Bitcoin reward for mining will be cut in half.

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Should You Buy Platinum as an Investment?

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Problem scenario
You are contemplating buying platinum. Should you purchase platinum to potentially make money?

Answer
Maybe. Platinum is affordable compared to gold as of 2/26/24. If you want to learn about the typical ratio of platinum to gold prices, see antiquesage.com. This website says “[t]he highest annual value recorded for the platinum gold ratio was a spike to 6.63 in 1968.”

According to https://platinumprice.org/,

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