There's been a lot of FUD about SBD and how the value will go down. I don't believe it at all. There's a NEED for SBD. If you're holding STEEM, most people power up that STEEM. Then it takes like 3 months to power down. I prefer to have SBD so that I can pay people, trade, or do whatever.
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If you need the money quick, then yes, always go 50/50 ;)