Great time to HODL or Power Up -- bargain basement prices. Does test one's own belief system around cryptocurrencies in general and in STEEM in particular. For me as a new Steem-er, I really like the fact that there is a real backing for the STEEM -- the collective intelligence of well-crafted posts offering knowledge and entertainment. What a win-win -- and the STEEM eco-system offers opportunities for anyone wishing to become involved in the cryptocurrency ecosystem -- what a wonderful way to be able to 'earn' cryptocurrency without massive fiat currency investment unless one chooses to do so. My advice to all newbies [such as me] is to learn the STEEMit value proposition and all its nuances and then get involved. You will gain both financial and personal rewards in doing so. Very satisfying and very innovative!!