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[ad_1] I’m sick of cash savings rates. Big banks at 0.06%? No thanks. Even the best online savings accounts are only hovering around a miniscule 1%.  Where can I get a decent savings rate anymore? If you’re a holder of cryptocurrencies like bitcoin, possibly in a cryptocurrency savings account, where some accounts are paying 8.6%! Yes, you read that correctly. If you think that sounds too out there, so did I. However, in my never-ending quest to find outside-of-the-box investments, I recently researched and opened a cryptocurrency savings account on Blockfi.com, where I’ll earn 8.6% in crypto interest paid monthly to my account. Here is what I found about the benefits and the risks. Wait, Isn’t Cryptocurrency Super Risky? Yes, bitcoin, ethereum and other cryptocurrency are very volatile, making them very hard to hold long term. For example, this year alone bitcoin has traded down to $3,000 and as high as $12,500! Please, please, please do NOT go out and buy bitcoin just to try and earn interest on it. Most crypto currencies are WAY too volatile. However, there are various “stable” currencies that trade on a 1-to-1 basis with the US dollar. These are the currencies we want to hold, and earn interest on. Even though these currencies are pegged to the US dollar (i.e. 1 stable coin = $1 USD), this doesn’t mean that you have no risk. Market forces can make a stable coin worth less than a dollar, in a similar way to how money market funds have occasionally “broken the buck.”  All of this is to say: just because this account has the words “savings account” next to it, doesn’t mean it’s the same as an FDIC, U.S. dollar savings account at a regulated bank. You need to ultimately decide if the risk is worth potential 8% returns on a very liquid asset. Here’s how I’m thinking about this new class of accounts. How to Earn 8%+ in a Crypto Savings Account 1. Decide How Much Money to Try I’m hugely risk averse, as I laid out in my Barbell Investing article. I’m leery of “too good to be true” promises, so I run lots of small experiments where I can learn by doing. This is no different. I opened the accounts to figure out what I needed to know to decide if I should add more money. I first invested in bitcoin (BTC) in 2014, so I was relatively early and had built up a sizable portfolio of crypto assets over the last six years. I chose to make an initial deposit of $2,000 mainly because I had $2,000 of USDC (Stablecoin) idly sitting in my coinbase account.  After making the initial deposit, and having a few more weeks to learn, I’ve added all of my USDT (another stablecoin) holdings as well. This totals just under $30,000. If you don’t already own cryptocurrency, you’ll choose a dollar amount (for those in the US) that you’re comfortable with. There are generally no minimum deposit or minimum balance requirements; however, some services have minimum withdrawal requirements (BlockFi is 0.003 BTC and 0.056 ETH which is approximately $35 at current prices). I would go with at least $100 to start. 2. Open a Crypto Savings Account After my research, I chose BlockFi. It seemed to have the widest range of coins available, and generally better deposit rates that other competitors I researched. Setting up your account is a breeze, and they use the same bank-level encryption that every other financial institution uses. Open an Account With BlockFi 3. Transfer Dollars Into Your Crypto Savings Account The next step is to transfer your crypto (if you have it) or your US dollars into your account. Here are your options: Right now, you can only deposit U.S. dollars by wire transfer. It’s also important to note that when you deposit dollars, you’re purchasing Blockfi’s USD stablecoin which is called Gemini. 4. Choose Which Currency You Want to Hold Once you have stablecoin or cryptocurrency in your account, you can trade into any of the other available currencies. For the purpose here, I don’t recommend trading cryptocurrencies. Remember, I’m after as stable of a return as I can get that closely mimics a normal savings account, but with a higher return.  Also, the stable coins offer the highest interest rates as you can see here: I chose USDC as my preferred currency simply because I already owned some. I don’t know enough about the differences in these stable coins to recommend one over the other at this time. If you’re just adding U.S. dollars to your Blockfi account, then you might as well stick with Gemini. 5. Start Earning! Once you’ve deposited money in your account, you don’t need to do anything else. Interest will accrue daily, and is deposited in your account monthly. It’ll look something like this: 6. Understand How Crypto Savings Differs From Cash Savings To take this beyond an experiment, we really need to know what the overall risk is here. Your cash currency is protected in several ways that cryptocurrency isn’t. First, your savings account is FDIC insured, so you don’t lose your money if your bank becomes insolvent. Second, the U.S. dollar is a world reserve currency backed by the full faith and credit of the U.S. government, whereas the U.S. government doesn’t back any of these stable coins — YET. Third, a stable coin pegged to the U.S. dollar isn’t the same as a dollar. See here about Tether’s peg. Fourth, big banks have billions to throw at security. A cryptocurrency upstart might fall short on some security measures. I honestly don’t know how to analyze this at the moment. 7. Decide to Go Bigger Understanding the above risks, I don’t think it makes sense to have a gigantic amount of money in these accounts yet. Further, I wouldn’t suggest putting your emergency fund money in an account like this, or any money that you think you can’t live without. The risk of

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[ad_1] U.S. Fed buys $25.7 billion of mortgage bonds, sells none [ad_2] Source link

[ad_1] GoPro Hero 9 Black India price is Rs 49,500 and it will be available in October. [ad_2] Source link

[ad_1] Love free stuff? Don’t miss this HUGE list of all the best freebies each week! {Psst! Be sure to also check out these 60+ Birthday Freebies, Free Educational Programs for Kids, and Free Homeschool Curriculum!} Here’s a long list of freebies from the past week that should still be available. Thanks to Kaley from Cha-Ching on a Shoestring for compiling these: Free Samples: Free Poise Sample Kit Free Fussie Cat Dry Food Sample Free Lightlife Plant-Based Burgers Product Coupon Free Culturelle Kids Probiotics Sample Free HSI Professional Argan Oil Haircare Sample Free Breathe Right Nasal Strips Sample Free Downloads, Books, and Magazines: Free eBook: Gluten-Free Desserts Free eBook: Gorgeous Paper Crafts Free eBook: Pizza Cookbook Free eBook: The Popsicle Cookbook Free eBook: Easy Doughnut Cookbook Free Download: Printable Fall Fun Calendar Educational Freebies: Free Printable Color-In Paper Doll with Dresses Free Homeschool Curriculum & Resources Free Food: Free Cheeseburger at Pilot Flying J Store Freebies: Free Bic Pens at Target Free Colgate Advanced White Toothpaste at Walgreens Free Maybelline Mascara at CVS Free Colgate Toothbrush and Toothpaste at Walgreens Free GoGo Yogurt Squeez at Target Free Maybelline Eye Liner at CVS Free Schwarzkopf Simply Color at Walmart Free Kind Nut Butter Bar at Target Free BIC Ballpoint Pens at Target Other Freebies: Free Custom Greeting Card + Free Shipping for iPhone Users Free Build & Grow Pick Up & Go Event at Lowe’s on October 10-11 Free 8×10 Walgreens Photo Print Free Bag of Canidae Dog Food at PetSmart [ad_2] Source link