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I have been advice to always power up

Yes, always power up... but if you have an emergency and need some cash, it's no bad thing to take money out if you have it in crypto.

I'd rather the broken boiler was repaired or replaced than having lots of SP powered up... SP can only keep you warm if you use it ;)

Sounds smart of course:-)

That depends entirely upon your personal circumstances.

I have only just started to draw out any of my Steem and it's paving the way for some major life-changes. All this in under 18 months on Steemit.com

I never would have believed it was possible.

However, some people don't seem to understand that I started out just like everyone else - with nothing.

Good Luck to you, I hope you have great success on the platform.

I wish your words come true:) Thank you for kind and humble reply.

You're most welcome :)