Hey, welcome to Hive!
It's right that you get 3% a year for holding Hive Power.
In terms of curation, when you're actively curating, you should get 7% to 10% increase a year. That's the average which is always told. You can check it using some tools like hivestats.io for example.
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thanks for the advice @stekene that hivestats.io is a cool site. its only showing me at .96 percent apr so far but im sure it will go up since i have been upvoting all week and just starting out.