Well anything bigger than 12% APR is probably a ponzi scheme. The 2FA is not really a problem, I have never used it, and so far I haven't got hacked. Just keep the passwords offline and safe and it's no problem in my opinion.
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I dont think so :D
In the context of 1 investment site. Sure you might make more on your own, but when giving your money to a 3rd party, then the too big profits are questionable and raise some doubts.
Yes I am joking. there are plenty of risky investments as P2P lending where you can get 10+% but its still risky.
I'm a noon, but when you say keep your password offline what do you mean by that ?
I mean that you don't keep your password in a password.txt file on your Desktop. That would be very risky and foolish.
It is best if passwords are kept offline, on a piece of paper, stored in your home safe box, or hidden somewhere. It is also important to have multiple copies hidden in case 1 of it gets lost.