How much APR on HBD savings?

liotes in Threespeak • 18 hours ago

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We all suffer from low Hive prices and there are several reasons for them, the crypto markets in general, the DHF, the HBD, all contribute and for some things we have no influence. However, since we are running a hive witness we have actually the power to send a message through the APR rate that we signal on HBD savings. What should we do? Should we keep the 15% that we show at the moment? Or shall we decrease it?

What rate for HBD savings should we signal with the Liotes Witness? 15%, 10%, 7%, 5% or 0%?

Please leave your answer as a comment below this post.

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18 hours ago in Threespeak by liotes

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imfarhad 17 hours ago

leave it at 15% for now.
Wait for 3 to 6 more months and depending on the situation dtop to 12%
that's just my thought.

!BBH
!ALIVE

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stresskiller 16 hours ago

i have mine at 10% other people say it should be a lot higher again to atract people but i'm not an economist i'm just a witness and if i only get 2 % on my savings at the bank it's hard to belive that 15% is a normal thing for hive HBD .

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dewabrata 15 hours ago

it depends on your goal. if it is to save hive, it must below 10% APR or HP total growth.

But if it is to save your witness vote, put it on 20% or 15%, higher better.

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ladymisa 14 hours ago

15% sounds like a good number. :)

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elderdark 14 hours ago

In the current situation, I think it would be prudent to lower the APR to 12 or 10%.

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ifarmgirl 14 hours ago

I used to prefer a higher APR, but now, I wouldn't wish to save if it means more pressure on HBD or HIVE.☺️

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mypathtofire 14 hours ago

Good to see you both together! 😀

I would like to see all HBD burnt, but i guess 5% would be the sensible solution for now.

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bulliontools 13 hours ago

It's fine as it is. What we need is a better APR for staking HIVE so people are less likely to dump it.

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toofasteddie 13 hours ago

15% would be ok IMO, the pressure is coming because other more important things as the payments for proposals

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ekavieka 13 hours ago

I am not so sure as I don't know the detailed on how much is the great apr for HBD, btu for me since I want to keep the HBD in my account, no matter how much it is, it is still a win for me though. ;)
!LOLZ !PIZZA

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travoved 13 hours ago

Hmm I think it worth stay at the current point, and wait till May or June and if nothing will go in right way you can move to 12%

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palomap3 12 hours ago

How great to see you two together in the video!!

It was juicy to get 20% APR for HBD, even 15% is. However, offering such a high profitability does not help the staked HIVE look attractive. I think that the APR of the staked HIVE should always be at least twice the APR of the HBD. I would like 7% better.

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gwajnberg 12 hours ago

To save hive go down, at least try to save. Not sure if it will make such an impact...

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edgerik 10 hours ago

I think it's important to consider the impact the APR has on HBD savings, both for users and the Hive ecosystem.
Maintaining 15% could be attractive to savers, but we also need to assess whether this rate is sustainable in the long term.
Reducing it to a level such as 10% or 7% could better balance incentives and sustainability.

!ALIVE
!BBH
!WINE

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vaynard86 9 hours ago

15% sounds like a good number. Hopefully we can have it in sustainable manner

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darmst5339 8 hours ago

With the haircut in mind.. the interest rate impacts debt ratio (my understanding). To support the process, signaling a lower rate would be best. Maybe 10% to start... If debt ratio continues upward, lower rate signal more...

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ervin-lemark 17 hours ago

Frankly, I don't care !LOLZ

Why? Because I unstaked all my $HBD savings and will try to sell it. How and to what, I don't know yet. It is panful to see how un-liquid $HBD is.

I sincerely wish all the best to all who have high numbers in $HBD savings and will try to sell it one fine day. Good luck!

Ps: my meager move won't influence global $HIVE/$HBD economy yet my conscience is clear from now on !LOLZ

!BEER

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keithtaylor 17 hours ago

It was good to see you both in the video.

I was happy when the rate was 20%. But I have to admit I don't really understand the economics of HBD.

Anyway, I now swap HBD for CTPSB when I reach the minimum value of 1 HIVE set by Keychain.

!BBH

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pizzabot 13 hours ago

PIZZA!

$PIZZA slices delivered:
@ekavieka_(1/5) tipped @liotes

_{Learn more at https://hive.pizza.}

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seckorama 5 hours ago

I don't believe this change will affect Hive's value, so I would leave it as is.
In any case, I am not in a position to decide anything about this. Will the witnesses agree, or will each have their own opinion, and the median of those twenty will decide?

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tengolotodo 3 hours ago

I remember when we were all urged to goto Twitter from Dan and Starkerz and combat people's tweets about 20% being unsustainable etc.
From the outside it looked a ridiculously high APR and smacked of a PONZI.
I would put it at 5. I just hope it stays at peg for those savers.

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gadrian 5 hours ago

Nice to see both of you today! :)

Drop it to 10%... Re-evaluate in 6 months.

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we-are-ai (1) 17 hours ago

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