I use Stack Overflow a lot and have noticed a certain trend that I myself got caught up in at one time of using the phrase "I am having a problem" in place of "I have a problem."
I would use this phrase for an event in the future, for example, "I am having a steak dinner tonight," but for a problem that I need solved and am asking for a solution, I'd use "I have a problem..."
What would force us to use this phrase? Is it even valid English for the present tense?