I don't include author rewards in my Hive ROI. Curation, inflation and selling hive-engine tokens is fine because the effort required is minimal and it's required to get a return. However, there is just too much unique time input required with posting it's more like business income than investment income.
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I agree, it's more valuable to view Hive-related activities as a business than as an investment. You decide how much you want to invest in your business (account) in terms of time and capital and from there, you work to generate a positive cash flow.
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