Stellar is just another speculation coin with no usage and pure speculation.
When the hype peak, it will just crashed as bad as litecoin.
It is now May 2017. I am reading this old thread. I have both Stellar Lumens AND Litecoin
Guess what? Litecoin is crushing it and Lumens are now around 4 cents from almost free.
It was a smart investment and have PROVEN to be so.
Premined does NOT mean it is bad. That is a myth that people hear and regurgitate over and over again without really understanding what they are advocating.
CryptoQueenWiki