I'm loving the 20% APR - enough that even despite the low Hive price, some of my HBD goes into savings each month :) Not to say my HP isn't still a priority though, because it is.
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Just remember after future tax payments and how USD is loosing spending value every year the 20% isn’t as much as it seems.
It's good enough to put together a decent fund to help diversify though :) ...
!PIZZA