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RE: Holding speculative coins like DASH or ETH is dangerous, it's safer to hold STEEM or Ripple
I agree with you on those wallets like Mist (Ethereum), it isn't as safe as web based but also syncing sucks. When it's all on the web like with Steem you don't have to worry about syncing.
I tried to take part in the MatchPool ICO and couldn't because the wallet wouldn't sync.