Exactly! I usually end up taking my HBD change to pay bills, but occasionally it's good to be able to stake, it speeds up the process.
Regarding delegation, I delegate to a Brazilian profile that votes and helps small accounts mainly.
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Cool! I have mine set to 100% power up, I want to accumulate HIVE again - I have had a lot of HBD in the past, and have used it for various purposes, like upgrading my camera gear. I've documented it all on hive in the past, if people go digging, they'll find it :)