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There is no definite measure of how long we can afford to hold, for me if the market is still good and big profit opportunities can occur then hold is the better option, but if the market continues to drop then selling some is a good thing to avoid bigger losses.
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Yes, I like pay with cyprocurrencies. Payment transactions with bitcoin or other cryptocurrencies are fun, I've been shopping for clothes several times and paid with bitcoin, payment with bitcoin can be faster and cheaper than payment via bank transfer.
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