Should I keep it???

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Today I found a 20$ EYM4522...Seems to be an insert note.  It is a circulated note, probably no more than VG (as I'm really a "newbie", I cannot be sure about the grade). Does it worth something?  I'm just not sure if I should keep it or return it to circulation...  

Thank you 

  I bought coffee with it (dark moka for my italian coffee maker). I also went to restaurant with my son so he could taste a belgian rice pie.
Two very good investments!!! 

As it seems you give good advices  , now, what about the ARH9949499 (it's probably a VF... many folds but still crisp)
 I tried to search EBay for radar notes; they sometimes sell for just a bit higher than the face value, but sometimes the seller asks for over 500$ ... and I don't really understand why.  (One day... in the future.... I'm sure I'll understand... but right now  )

thanks

For what it's worth I'd keep it. It's a 2 digit RADAR. ut I collect RADAR notes though.

 ... I think some messages are missing...  isn't it?

so, could someone tell me about the value of the ARH9949499 if VF

Thanks

P.S. that's a 2 digit radar, isn't it?

Yes it is a 2 digit radar. Most collect these notes in Unc ++ condition and won't pay much over face for it. I would say if you get $10 over face that would be on the high end, again my opinion.

Hope this helps.

Thanks!