For those of you that are interested in making a quick 3% on your available steem, check out the bid/ask spread on the internal market.
As you can see, there is a disconnect between the buy and sell prices for trading steem for SBD. You can sell your available steem for SBD at one ratio, then buy it back cheaper! As with everything there is risk involved, I am not a professional this is not to be taken as advice, just what I see. I also know nothing about taxes so it's not advice for that either. Good Luck!