<center>![28C58F18-AB9B-4EF1-A0BF-7563DEDEB731.jpeg](https://cdn.steemitimages.com/DQma6RDAnwCMMBboVHZWan41VHkArySs3XycPAVMNeGkJVT/28C58F18-AB9B-4EF1-A0BF-7563DEDEB731.jpeg)</center>
<center>[Source](https://steemit.com/steemit/@dandesign86/steemblast-contributing-with-some-steem-artwork)</center>

<div class=text-justify>Despite being active in the Steem ecosystem for over 18 months now, there continue to be features that I have yet used.  I have always been hesitant in using things that I really do not understand which is probably the main reason behind the delay but when it has to do with funds and wallets, even more so.  As I am approaching balances that I feel will be where I will settle on from an investment perspective, I have been thinking about what to do with the additional liquid rewards I continue to receive with my active engagement and participation in many areas in the ecosystem.<p>

While the majority will continue to go towards powering up my account towards ultimately being an Orca, I have found many uses for my liquid Steem and SBD such as incentivizing users that engage with SBIs or improving curation rewards with OCDB votes.  I have also been using rewards to fund my addiction to Steem Monsters and Splinterlands as the game continues to take up a lot of attention.  I have even been thinking about becoming active in the Steem Engine platform given the interesting developments and projects gaining traction there!  The ecosystem is quickly approaching being its own economy as well which ultimately will create value for its participants.

<center>![Savings.png](https://cdn.steemitimages.com/DQmVDPLmNCkvJXv8dbhXuhh71aX65rviDTp8JziJGikEpaZ/Savings.png)</center>

Given my hesitation to do much with my liquid balances in the short term, I have decided to allocate a portion of my balances to the Savings portion of my Steem Wallet.  While I have never completely understood its purpose, it basically secures balances transferred there until the account owner decides to withdraw it.  The secure portion is that it takes three days for the liquid balances become free to use.  This is a good idea to avoid having large balances available for transfer if any important keys are compromised in any way.  

I have often heard of bots always seeking mistakes by users to take information like keys to automatically transfer balances to another account.  Some even start powerdowns to liquidate accounts.  The only way to combat this would be to change the keys once compromised but given the underlying features of blockchain technology, transactions are immutable and cannot be reversed.  Therefore, I think it is a good idea to have a portion of balances in the Savings portion to mitigate this risk.

<center>![Savings Transfer.png](https://cdn.steemitimages.com/DQmNRsWNLNezkn55q7U74ggxKCBzaN8nNR1thZ1tGWaVLK8/Savings%20Transfer.png)</center>

Given that my liquid balance has been higher than usual, I opted to move a portion over to treat like a emergency fund for the future as we never know when an opportunity will arise around the ecosystem for the next best project.  Given how active developers have been, I would not be surprised to see me tempted to use the balances for something in the future.  I may even come back just to power up for my Stake.  Three days to get the balances available is not too bad for the benefit of getting some piece of mind just in case something happens.

I have wondered how many others have used this in the past and for what reasons.  I also wonder how their experience has been. This is another great example of how different the Steem protocol is and how it has great capabilities and flexibility for its community!  If you have a story, please let me know!</div>

<center>https://cdn.steemitimages.com/DQmex9uCLNgwTXDbBMDD9QYRFh8CmBJrGdwjy9UKko9fgHq/newageinv.gif</center>

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<center>[<img src="https://steemitimages.com/DQmSQnxEBigCNXYe3hUB5ujRMmAvq1r851wGFc5LwZTkfRv/rebelheart.png">](https://steemit.com/qurator/@qurator/qurator-4-0-or-new-multiplier-system)</center>

<sub><sup>DISCLAIMER: The information discussed here is intended to enable the community to know my opinions and discuss them. It is not intended as and does not constitute investment advice or legal or tax advice or an offer to sell any asset to any person or a solicitation of any person of any offer to purchase any asset. The information here should not be construed as any endorsement, recommendation or sponsorship of any company or asset by me. There are inherent risks in relying on, using or retrieving any information found here, and I urge you to make sure you understand these risks before relying on, using or retrieving any information here. You should evaluate the information made available here, and you should seek the advice of professionals, as appropriate, to evaluate any opinion, advice, product, service or other information; I do not guarantee the suitability or potential value of any particular investment or information source. I may invest or otherwise hold an interest in these assets that may be discussed here.</sup></sub>

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