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Of course, it's when Steem Dollars are higher. However, we don't know when the market is going up and down. Therefore, I convert all my Steem Dollars to Steem immediately after I receive the payouts. In the long run, "dollar-cost averaging" works :-)

that is what I thought, but I wanted to confirm and you seemed a good source to ask for a second opinion ....thank u so much

You're very welcome, my friend! And thank you for trusting in my opinion ;-)