It's not rocket science, I mean most of what we think are difficult actually aren't. I didn't know about the 3% until I started reading up. I started noticing those little changes and I couldn't believe how it adds up. I read a post where a person mentioned that the 3% meant they earn about 3000 hive per year. It might look insignificant but it's astonishing.
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That's half a dolphin per year only from staking rewards. Not bad, whoever that was!
https://hive.codergeek.org/ this is your 3% in action.