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Ok. If you are a beginner which I am assuming you are, if I were you I would not move up or down until I had played a significant number of hands, regardless of the money you've made. The system you describe for when to move up, say playing at a certain level when you have 15 buy-ins, is good. However, I would stay at a given buy-in A. until you hit the dollar amount required to move up and B. also until you play maybe 10000+ hands at that level. I also would recommend waiting until you have 20 buy-ins per level rather than 15, and I would recommend starting at 25nl (or lower), regardless of your starting bankroll.
When it comes to moving down, if you have 20 buy-ins at a given level, I think moving down once you only have 15 left is probably a good time.
As far as playing heads up, I don't really know. heads up can be very swingy. I don't really know a good bankroll to have for playing heads up, i'd say probably double what you'd have otherwise. So, 30-40 buy-ins.
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