No, great question. It took me awhile to figure that out. Please go to Steemnow.com, and enter your username on the right and then refresh. Get to know this page. I leave it open all the time. It shows you almost everything about where you stand...who is rewarding you, how much steem you can reward others, etc. Look that over for awhile and if any more specific questions come to you let me know. Basically, you can only upload and convey money if you are near 100% on that slide bar, and when you are a newbie, you can only convey a penny--and not very often before your steem is gone and needs to replenish over time. As you have more steem, you can convey more. A whale can convey several dollars with one upvote. Once you have over 500 steem, than you convey a percentage of an upvote as well. We all can only either convey 100% upvotes, or not upvote. Hope that helps! Have a great day!