The better option is to buy from individuals who have smaller quantities.If someone has say 0.03 btc and he wants to sell them,he would prefer to sell to individuals like you instead of exchanges so you can bargain with him and get the lower price than prevailing market rates.
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Have you actually ever done that? How do you meet? Where do you live? I can't imagine anyone giving away BTC for less than market value...
Thanks for input!