![image.png](https://files.peakd.com/file/peakd-hive/howo/23xyrYawRA6EFD65qx8Qm6gYDKsK3jGUMRGkocdFyU2SeMAfZNqhDxyfXeFqjqq6Exn7n.png)

Hey folks, 

If you've been following me for a while you probably know that I automate a lot of my rewards and liquid funds. I hate it when liquid funds have to be managed by hands because it's inefficient (if you have 200 hbd sitting around for a week because you were busy and couldn't put it in savings that's 0.25% of interest lost).

So early on back in the steem days I made a tool to automatically claim rewards, and over time it evolved to do a bunch of different things:

- Redeem rewards
- Power up HIVE
- Power down hive
- Send HIVE to savings 
- Send HIVE/HBD to any account (including memo)
- Sell HBD on the internal market
- Convert HBD

Note that all of these actions can be chained (to an extent), so at a point when I was automatically powering up my HBD rewards from the DHF, I would do convert HBD to hive -> power up hive.

And now it can put HBD in savings ! With the recent rise of the interest rate (up to 12% now). And with the crypto market being a biiiiit too volatile for my linking considering I'm trying to close on buying real estate (I can't come to the bank and be like "oh yes I can put a 50k down payment" and then a week later "actually make it 25 crypto dropped").

I figured it was a good time to put some of my HBD in savings. So I made an update to the tool to support that operation.

If you have computer science knowledge and a server lying around, the project is open source: https://github.com/drov0/hive-reward-manager.

there's a new `liquid_hbd_action` configuration that you can use. Here's my config for instance:

```
"howo" : {
            "wif":"", 
            "max_ratio" : 130,
            "convert_hbd" : false,
            "sell_hbd": false,
            "liquid_action" : "", // power up the liquid hive
            "liquid_to_account" : "howo", // to the account howo
            "liquid_hbd_action_min" : 0, // minimum value before executing the liquid hbd action
            "reset_power_down" : false, // Do not reset the power down every week, if you don't power down and actively earn rewards, no need to set this to true
            "liquid_hbd_action" : "put_in_savings", // transfer the liquid hbd to savings
            "liquid_hbd_to_account" : "user.dunamu", // who to transfer the savings to 
        },
```

Happy Sunday and happy savings everyone.

@howo