Ladies and gentlemen, today I would like to walk together with you on one of my most prominent delegation to @justyy, a.k.a YY Bank. 

Before anything goes, I would like to introduce you to @justyy, one of the top 100 witness in #steem #blockchain here. @justyy has been working and developing many convenient tools for our #blockchain for a very long time. These tools has been privately hosted and open for all steemian to use, some of the wallet tools are top notch competitive. If you do not know one of the most used delegation form are created by YY bank, which now named after https://steemyy.com/

![37kj3ccp6i.jpg](https://img.esteem.ws/37kj3ccp6i.jpg)

Feel free to visit the website and find YY tools useful. Dont forget to vote for witness since the bank has been contributing much to the steemconomy. Now every thing boils down to profitability. Despite I delegate out of good heart and partially meant for the community, but I certainly do not wish to miss out opportunity to make more. Let's have a look at the upvote value by YY.

* $0.13 = vote value for my 600sp delegation
* SPS/EIP taken away 10% $0.013
* Balance $0.117
* Curator reward take back 0.058
* Author reward 0.058
* Current steem value 0.16
* Conversion came back 0.363 seem
* Multiply with 365 = 132.312steems

Great. That's the part of upvote. If you're high production blogger, like more than one post a day, on best effort I have received up to 3 upvotes a day. So, good luck in trying. I am just going to use one post a day as the basic benchmark value. We can possibly be asking everyone to make 3 posts a day just to grab YY bank votes right?

![ube0nkkpwm.jpg](https://img.esteem.ws/ube0nkkpwm.jpg)

This is pretty straightforward. The bank also pay for daily interest. It used to be 8% for bigger delegators, but now it had shrunk to 5% due to low steem payout. However, you may optional to select YY as your proxy in order to receive additional 5%. I would love to have that extra benefit, but sadly I can only vote his witness because I need to decide rest of my 29 votes goes to my current community support. Anyway, let's get down to business.

* 0.083steem a day
* 365days is 30.295steems
* If voted proxy, 60.59steems 🤤

Consider this, the APR does not attract me at all, but who does not want extra? Let's consider this, if anyone take this deal up, and create at least one post a day to receive one upvote, with proxy voted @justyy, per year income is 192.902 for 600sp delegation. That is 32.15% APR. Well, if you can do two posts a day, with proxy voted, will be 264.625 from post payout and 60.59 from daily payout. Total will be 325.215steem. and that's 54.2% APR! 

I asked myself over and over again, am I able to vote efficiently to obtain my curation reward? Let's not for get the reward curve is not linear anymore. Rich get richer, I don't want to be the guy who live poorer by the day. I don't know how YY bank will benefit to the community anymore, all I care is, I will take back my portion as long as they pay.