I’d snag the Steem. Several already mentioned reasons why. I like that I’m involved with it, it can compound, and while riskier...I feel as though the entire cryptosphere is all a risk at the moment so I’m just rolling the dice and hoping fir some major life changing events to occult.
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The ability to use it makes a massive difference in my opinion and why not take the shot t the moon?. Hope you are doing well mate.