This is a good guide, there are a few ways to eventually buy steem but all of them are this complicated buy and sell dance taking fee hits on every currency change. It would be nice if there was a simpler way to get a bit of steem.
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For this reason I think it's important to change $ into steem when price of the latter is low, in order to cover fees.I agree with you @c0ff33a, unfortunately cryptocurrency are not recognised by bank (not all) and this allow to broker to charge fees on every currency change.