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I feel like I haven't written about Hive *in forever,* since I have been travelling the last week or so and now catching up with my family this weekend. But, it seems I missed a discussion on changing the APR on HBD in the savings wallet.


![image.png](https://files.peakd.com/file/peakd-hive/tarazkp/23vho3Kxa66bX98tb9Di3jRXmnfoM5NAtaSE8UrPwfLNEmZyboxZi5doRLm1HnZ7DKgTt.png)



![image.png](https://files.peakd.com/file/peakd-hive/tarazkp/Eo45MdFBnNVqYCJDAD6u4p5k6WVCUskKjpjkhrgfkpKb12QSmCqdYabwiQBkeDY4Tke.png)

This is nice! And something I have discussed with several people over the last year of DeFi hype, as it really does make a difference on whether to hold or not. I put the 4K of HBD I had back into savings as I had taken it out a couple weeks ago to see if there was a better use for it - which was probably going to be to buy Hive anyway. 

# Liq Me

What I wonder and have discussed in the past though, is if the HBD is in there already, it is halfway to being a liquidity pool and essentially it could be utilized as one in various ways to attract more APR or, some other token to it. If the pool is large enough and returns well enough, it will also help in providing additional price stability, though it would require a bit of additional coding. 

>Regardless - that is cool. 

20% APR means that it will return 200 HBD per 1000 in a year, so with 4200 currently in there, it will return 840 HBD a year or, 2.3 HBD per day. That might not seem like much, but back when I started five years ago, that is more than most of my posts would get.

# Learn to Earn

Someone asked me the other day about the best way to learn and it really is through participation. Some think that if they read or watch enough, they will eventually get to the point they will have the skill to dive in - they will be ready. However, it is like school, all those hours of reading books are largely *meaningless* for the career ahead, but the on the job training and the experience through actually performing the work, brings all those little lessons together to compound and matter. 

For those who want to earn more, they are going to have to invest and that likely includes some money also. Investing is very much a "skin in the game" opportunity and while the skin doesn't always have to be fiat, it does have to be something. People should see money as a tool, resource or an energy that can be utilized to power what they want, rather than something that they want directly. But, all resources are like this and in order to make the most out of them, we have to use them in effective ways that will make a difference. Don't be fooled though, it is *easier said than done.*

#  Is it a Grind? 

I think that over the last five years, I have averaged 12-15 hours of "work" a day, 7 days a week, 365 a year. This is not just on Hive of course, but it does make up a large percentage of the time I spend and crypto-related activity is probably 95% of my internet time, including watching Netflix at night with my wife. Lowballing, that is 21,000+ hours spent working in total, which is two full time jobs.

I thought I was going along pretty well until the stroke last year (which was not related to the work in any way), because since then, I have been "struggling" to get back into the groove. I have been working just as much, but there is less flow, which means the "time energy" I have is being spent, but I am using it less effectively than I was earlier. Everything takes longer, including learning how something works, or predicting how a change in one factor is going to affect the larger dynamics in play. 

But, it *isn't a grind* because I enjoy what I do, which I think is why it is possible to maintain this pace for such a long period of time, no matter what is going on in my life outside. Work is a means to an end to live a life, but simultaneously an escape from life at times. There are multiple reasons for me to work and they are far more compelling than the reasons *not to work.* It seems that a lot of people look for any excuse not to put effort in, but I feel that they are not accurately evaluating the reasons they should, because if they did, most of the excuses crumble to dust.

# Write Again

What is the best way to learn? Well, in my opinion it is to participate and than consolidate and solidify what has been gathered through writing. Back at school they would want answers "in your own words" and this is actually a pretty decent way to make what has been learned, personal. To be able to take what is learned and package it for others for them to understand it too, takes the process one step further and in time, rather than repetition of what is learned, it becomes a creative process of innovation.

There are quite a few accounts here that spend their time trawling the internet for content and then repeating it in their own words, but not many of those add any original thought of their own. It is mostly regurgitated content, packaged to make them sound lie they have experience that they don't actually possess. Can this earn? *Yes.* But my god *(if I believed in a god),* I would be bored brainless in no time - I don't know how they do it day in and day out and then, still look at themselves in the mirror.

# Many Paths

But, this is the thing with it, as just like all the sliding doors of life, Hive also has many potential paths to take that lead to all kinds of outcomes. What is near certain though, is that if a person isn't willing to invest their time, energy and money into their journey here or in any other experience in life, their chances of being successful are slim to none. It really isn't rocket science to work this out, but it might be more complicated to build personal processes and a mindset that enables that journey to be started, as well as have the resilience and fortitude to keep going, even when things get difficult. 

Using resources is easy.
Using resources well... 
Well, *that's another matter entirely.*

It is often said that after someone breaks up, 

>There are plenty of fish in the sea

Perhaps. But how many of them are suitable, available and willing to be hooked?

Scarcity can be engineered. So can abundance.
Your potential is yours to utilize or to waste. 

Taraz
[ Gen1: Hive ]


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