I'm with @stephen-somers - my brain hurts trying to understand everything...but at least my hair doesn't anymore. That's progress! LOL

I don't consider myself a newbie anymore but I'm still reading what I can and trying to have a better grasp of what I'm doing here. My concentration is on content creation. I've been splitting my Steem Dollars between buying small amounts of STEEM because I consider it an investment, and converting to BTC because I have bills to pay. I'm leaving my Steem Power alone because I want to increase my voting power.
I'm not sure how I'll be affected, but my goal is to be an above average contributing member and investor. :)