This is the main reason why everybody needs to diversify risks, capital, efforts and so on. So many ICOs are turned out to be scam and very few are succeed... And you never know which one will be the winner, so make sure you bet on as many of them as you can afford

Currently I use Tether (35%), Paxos (15%), USDC (15%), TUSD (27%), GUSD (8%). I don't think that we should have the only one favorite stablecoin. It's unpredictable market and as investors we should deversify the capital as much as possible.

I believe that one day it will be so. As a crypto enthusiast I firmly believe that second layer solutions as Lightning network and many others will help BTC to become a standard payment tool for Internet and everyday offline usage. I hope that I'll be able to watch it with my own eyes.

There is a very tiny possibility to overtake BTC even in 5+ years. Why? BTC has no person who is in charge, but ETH has. That's why BTC could become some kind of digital gold (I don't like this name) and ETH is not. But who knows, only time will show.

I'll study advanced finances and programming, develop dapps, invest in crypto and repeat. 2018 was a great year from the point of usefulness for me. At the time when everybody was in panic and watched for charts I studied solidity and others smart contracts languages. Hopefully I'll develop my own dApp in 2019

I choose only top-20 projects, except XRP, BCHABC, BCHSV and NEO (and, obviously, stablecoins). Yeah, I realize that the can become extremely successful in future, but currently the have so many drawbacks so I don't even want to think about them as investments.

If I were you I'd like to leave more than a half of my capital in stablecoins or in USD now. I hope you have some money to buy more crypto during next "extra" bottoms)))

First of all ETH is some kind of queen, not the king
Frankly speaking I think that ripple has huge support and there is a high probability that it will stuck on the second place for a long time.

PS
I hate xrp))

The main suggestion is to get in step by step, not the whole amount at a time.
The second one is to get away from alts. My investment strategy is based mostly on BTC at the moment, because I don't think that the market has reached the real bottom yet.

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Only hardware wallets. I used to use Ledger Nano S, but I'd also like to try new Trezor model T. Of course they both are very save, but I don't like the way how Ledger Nano S works. You should install and launch application for each crypto you need and, unfortunately, it has very small amount of memory. It's not enough to have 4-5 applications. But as for ERC-20 tokens - you need only ETH application.

P.S.
BTW myetherwallet is not a wallet as is, it's just a layer between blockchain and user.

I like the theory of Andreas Antonopoulos. He says that there will be a huge amount of cryptos and there will be some kind of special wallets or meta-layers which will convert your basic crypto (BTC, ETH and so on) into the currency you need to buy something somewhere. So for user it will look like there is only one-two basic currencies, but in reality there are millions, but this kind of an incapsulation will make the magic happen. I think that it's very far-sighted opinion to make crypto really usable for billions of people.

Nah, I don't think it's possible. Well, we always should leave some probability to this option, but in my case it tends to zero. It's pretty easy to understand with the price history of BTC. It's not the first time and the most probable scenario not the last one

Maybe it would be a little bit strange to hear, but want to shill Streamr DATAcoin)) There is a growing trend on data safety nowadays and I guess it will be growing with time. Check out this project and perhaps you will invest few % of your capital as I did.

Almost everybody expects that 2019 will be a good year for crypto, but I guess it will be very boring and exhausting. Hopefully it will be the year of accumulation, not only gradual falling.

P.S.
Don't forget about the letter from the future. It says that BTC will cost $100k in 2019

For me NEO is extremely centralized project with huge technical problems. I had issues with NEO transactions for a few times and I don't want to experience the same feelings when I almost lost huge amount of money because of technical problems. No way!

I hate XRP due to it's unfair and not decentralised nature, but unfortunately banksters behind ripple have too much money to let XRP die or even to fall out the TOP-10...

For me "bounty hunters guilty" sounds like the spends on marketing are guilty for the project's fault. It's just silly. Bounty hunters don't owe anything to the project. It's just a job. The project needs promotion, bounty hunters need job. I think nobody would be against payments in BTC, ETH or even USD for the work. But most of startups just don't have any funds at the very beginning.

Now is literally the best time to get to the crypto. You should always refrain from FOMO and avoid pumps which have already been started. Now is just a great opportunity to study crypto, to understand how it works to be ready to the next bullrun. Just take a look even at TOP cryptos - they all dropped more than 80%. Do you like discounts? 80% of discount even now, not bad to get started? But you should understand that if you get in at 80% and the price goes lower to 90% you will get -50%. You need to study investments and crypto basics to understand all that things.

I'd like to see many real DEXes with fast and direct coin swap without middleman. I suppose that govenments won't be glad to have such a services, buth nevertheless I can't see the following development of the crypto industry without this significant and very serious shift.