CONTINUAL INTEGRATION

Problem scenario
You want to buy silver, gold or platinum, but you do not want to have to pay a sales tax.

Solution
Many states in the U.S. do not have a sales tax on precious metals. If you buy a certain amount, there is a good chance you will not have to pay a sales tax. To read more, see https://noblegoldinvestments.com/sales-tax-on-gold-and-silver/.

Problem scenario
The toilet seat keeps falling down. You cannot clean the toilet with one hand. How do you keep the toilet seat up?

Possible Solution #1
Look at the back of the seat. There may be two plastic covers of bolts that attach the seat to the toilet. Lift the covers, and then look to see if they are parallel and securely fastened.

You may need to loosen one or both bolts, adjust the seat, and test if the seat won't fall. Then tighten the bolts and close the covers.

Possible Solution #2
See this posting or watch this one-minute video.

John Howard Griffin, author of Black Like Me, Eric Hoffer, author of The True Believer, and Aldous Huxley, author of Island and Brave New World, have all influenced the world greatly.

Did you know that these three authors could initially see in childhood, then lost their vision for one or more years? When they regained their vision, they had renewed gratitude for the gift of sight. They are immortalized by their work. Sometimes having extremely low expectations can make someone yearn for an ability many take for granted. The vision impaired individuals used their regained ability to see to the maximum extent possible with their writings.

To read about John Howard Griffin's blindness, see this Time article.

To read about Aldous Huxley's blindness, see this National Endowment for the Humanities article.

To read about Eric Hoffer's blindness, see this Online Archive of California article.

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.
4) You get into car accident.
5) An investment opportunity with a short-duration window of entry. One example is cryptocurrency has increased its value exponentially in the past 10 years. Often emergency money shouldn't fund investments, but these situations come up.
6) A relative in need.
7) There are criminal allegations against you (e.g., with a mistaken identity) and you need to hire an attorney.
8) You are audited by the IRS (you may want an attorney to represent you or your liability will be much higher than you thought). Your state's income tax liability may be higher than you expected if your withholdings were not done correctly.
9) Housing issues (e.g., your landlord raises the rent or you need to repair your home).
10) Credit cards can have high interest.

It is less stressful to have emergency money.