I have a hard time ever powering down, so I can't really speak to that. To me powering down feels like killing the goose that lays the golden egg, but I understand how it can be beneficial if you time things right.
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Am still try to understand the best way to take profit, am actually new to hive that is why am trying my best to learn more.
Do your own research of course, but for me, HBD is the smart move, especially with the interest rate at 20%.
Yes Hbd intrest is a smart move. Many people are cashing out big time on it.