Hello Hivers,

I know that HBD is a great deal.. I'm pretty sure 20% is the highest APR you can find on any stable coin out there now. Sure, I might take 1 BTC if offered to me, but the value of that coin, and most any other coin, fluctuates in value day by day.. today 1 BTC is worth $38k, but tomorrow who knows.. in a few months it might be worth $50k, or it might fall in value to only $20k. What about a year from now? What about in ten years?

HBD is pegged to $1 usd, so it will always maintain a value of about $1 usd. It makes it easy for us to compute approximate value in the future given X amount of HBD. (inflation of $usd might kill that value by then, but that is another subject all together)

Above is a snap of my hive wallet and it clearly shows that HBD is currently set at a 20% APR. This already sounds waaaaaaaaaaayyyyy better that the measly APR I get at my bank, or even compared to any of the Investment type things you can get into.

The part that seems a bit confusing to me, not in definition, but in actually figuring out my own needs and daily budget.. is the APR part. I know this stands for annual percentage rate. So I think of it simply as for every 100 units (in this case HBD), I will get an additional 20 units (HBD). Again, that's nice, but what if my HBD savings is 1,132 HBD? Sure I can do the math for that, but I want a simple amount that I can know without doint any math. I want to know exactly how much HBD in need to have in savings, to earn me 1 HBD per day.

Ok, so I guess all the fastest way for me to get to that # is to find out how much HBD savings I need to make me 365 HBD. 1 HBD per day is all I want to know for now. (you can easily multiply this amount by however much HBD you want per day)

365 (HBD) = X (amount in HBD savings) times 0.20 (20% apr)

divide both sides be 0.20

1,825 HBD needed in savings

Ok, Now I got that base HBD amount and I can use that to figure out how much I want. Of course the answer is simply MORE, but let's just use that as the starting amount. :P