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I don't really know that's why am asking seriously.

I say you can get more in delegating to leo.voter because it pays 12% APR + 4% if you switched to stake option.

Stake option as in, powering up hive and delegating to Leo.voter ? If so how do I get paid for it boss?

or maybe saving it to $HBD savings as it pays 20% APR if you won't consider the increase and decrease of the price of tokens, saving it to $HBD savings is more profitable imo.

If saving it as $HBD is okay, please what could be the returns in 30days?

You can compute it based on the APR.

Please how can I do the math on this APR?

If I did the math correctly it's around 1.6 HBD/month.