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I have about 3K and something HBDs in savings. And I got about 38$ dividends monthly...

I continue rebuilding it, and probably I will reach the same level within one year.

Hopefully the interest rate will at least stay at 15% APR, or rather go back to 20% APR.

But I saw that some of the witnesses are voting for an even lower (7-12% APR) interest rate.

We will see where it will go.