If the legacy banking system is going to continue with crappy savings and CD rates, then ditch them. Citi is now even talking about negative interest rates. Screw off, banks.
Is anyone using BTCjam? How do you like it? I think I wanna dip my toe in. Direct P2P options will be the future for earning a better return, IMO. They've been infused with a lot of venture capital lately. The libertarian early adopters like Roger Ver are involved.
https://btcjam.com/
Yay for free markets.
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