Nice post, I have been building my Hive and HBD stocks in parallel over time. However, for me the priority is Hive Power. Why? Because Hive Power gives you power. It gives you a return on curation and staking rewards but also it allows you to give value to people and content that you want. Like that I can participate into deciding where the inflation of hive is going. If I use my stake to favorise the people in my wider circle of influence, then I will indirectly also profit from their growth. 

HBD is a savings account and I like the 20% apr but I don't expect it to be this rate for ever. When people see a big swapping from HBD to Hive during price drops, this means only that people want to have Hive in the first place and they like the fact that you can have it for cheap. So it's a good sign. If people would be scared that hive goes down, they would keep the HBD...

Hi @gadrian
This was a good article on explaining the different areas of HIVE.  Thank you and it helps me to understand more how Hive works.
Barb 😊
!BBH
!CTP

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Wouldn't it be nice to be able to put a million dollars into HBD savings?😃

But back to earth and reality.
I like the way you laid out the pros and cons.

I, too, want to increase my Hive Power, as it would enable me to give out greater rewards and delegate more.

I guess, at this point, I am doing some of each.

!CTP
!ALIVE


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I'm with you here. It's all about timing and the price of Hive. I just like that Hive is set up the way it os tp give us these options. 

Hive is king on this platform for sure. I kind of look at it as the chicken comes before the egg meaning I need Hive to get HBD. But Hopefully, we see Hive explode in this next cycle though. I think people are wanting something real in web3...

!PIZZA
!CTP

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Right now my biggest effort is to do as much of my Hp as possible within this year. There is no job here in Pakistan so I go to cash my HbD. If there is a job arrangement here then I will power up my HBD too. 

Good explanations. !BEER

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I think 50/50 is the best option from my point of view. Put half in HBD savings and put half in hive power.  

I don't see any problem with doing both. I like the stability that HBD gives and my HP will also go up as well. I find it much easier to just do both.

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Nice. Your approach to this is wholesome and it always depends on what we want to get by the end of the day.

I will always pick Hive Power at every given opportunity, but I'm preparing to remember my annual rent on first week of June. Just for that reason, I've been trying to accumulate some HBD in savings for that same purpose. Hehe.

Both HBD and Hive Power are unique in their own way.

Those are some good things to consider. I would like to rebalance my holdings when hive goes higher, but giving up benefits of HP is hard, regardless of the price.

This is a handy guide to which path or indeed paths to follow. I’m much more interested in my HP goals but I do use HBD for smaller purchases or use it to discount them, to go toward the cost of something. 

HP is also great for delegating and in return you can accumulate liquid hive rewards, which can then be powered up or converted to HBD. 

<center>PIZZA!


$PIZZA slices delivered:
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Having Hive Power or HBD in savings really depends on the individual and what factors to consider. If you want to grow on the ecosystem, then Hive power will be the best option. Once we are in for the long term and do not mind the 13 weeks process of powering down, then we can choose Hive Power. But if we do want to have our tokens not being volatile to price, then, Hbd is good. Above all, it all depends on what we want. 

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Hmm personally, I am sticking to the 50/50 split. Somehow it just feels like a good balance of both the benefits you mentioned for Hive and HBD. Thanks for sharing!

This general approach to the question brings much clarity on which option to choose. For me, at this moment, it is accumulating Hive Power. I want to build stake. And there's a potential explosive growth to Hive. 

Nice and comprehensive sharing!

The answer is fairly easy. HBD pays 20% interest which compounds every 30 days. Best of all, the price of HBD is guaranteed!

HBD is so much more attractive than HIVE that one should invest every HIVE penny in HBD.

Of course this is not good for the blockchain. The system guarantees the HBD with HIVE. One can convert HBD to HIVE.

There is a scary thing called a "HBD haircut" which will take place when the market value of HBD grows to 30% of HIVE. [Ausbit Bank](https://hive.ausbit.dev/hbd) says the HBD marcap is currently about 6% of HIVE.

When the price of HIVE drops, investors need to be prepared to withdraw their HBD from savings and convert it into HIVE.

So, you see, every time there is a market correction, investors will pull their HBD and convert it into HIVE.

In both of the last two corrections investors converted over a million HBD to HIVE.

The conversion destroys the HBD and mints shiny new HIVE in its place.

In both market corrections, the system generated about 2.5 million HIVE that investors dumped on the open market.

The HBD price guarantee dumps huge quantities of HIVE on the market during down cycles.

I suspect that this pattern will continue.

Investing any money in HIVE is rather absurd. Not only does HBD have a higher price. Since the system guarantees the price of HBD with the value of HIVE, HIVE (and all of the alt-coins on Hive Engine) are extremely bad investments.

I suspect that the destruction of HIVE will take place in waves; I've been putting my earnings in HIVE during dips and putting it in HBD whenever the price is stable.

I am scared of the haircut and plan to pull my HBD if the price of HIVE drops below $0.3 . 

!WINE



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