I don't personally use it, rather just hold no matter the price fluctuations, and only buy BTC on what I can afford at the moment.
What are you planning to do, invest long term or take out a BTC loan?
planing to buy some hashes
Hashes as in cloud mining? Or are you looking for HYIP?
If it's cloud mining like say CEX.io, here's a good breakdown on a few of the cloud mining companies:
https://bitcointalk.org/index.php?topic=739510.0As for HYIP, I won't list any links or sites, because most of the ones listed have turned into Ponzi or scam operation.
I am using zeushash, coins miner and hashprofit, and I upgrade so I don't know is btcjam like credit in bank or saving account?