If you are sending STEEM from an exchange then the address is in fact your username. If you are sending Bitcoin or Ether, then you can find the address inside your wallet 'Click Buy Steem or Steem Power', you'll see the addresses there.
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I am sending if from Genesis mining. It autoconverts mined ether to steem. So, I then need to send it from there to my Steemit account. Would I use my username in that instance since it is not exactly an exchange, but similar I guess since you are sending actual Steem.
If someone else should send you STEEM. Should I give my memo string?
I see two option for the MEMO string, which one I should use?
perfect answer thank you