oh and

is it worth the time?

Well 1 share equals .01 Steem upvoted weekly paying you back if posting daily within a year, the program is undergoing automation enhancements so those posting less often now get larger upvotes to help keep repaying all active share holders. I have been paid back on my investment of 585 shares and now get the same value from them when I post so I figured why not support something that works and help others at the same time, really as a marketing cost I spent $125 for 500 shares (STEEM) and will recover it from SBI while helping many others grow simultaneously.