I don't know of anyone who has been that much into debt over crypto. Many people have lost their life savings, especially when the bitconnect scam came to light. People need to realise that crypto is not easy money, research is needed for profits to be made

It's a good selection there, but i would get rid of WEPOWER as it has been delisted from kucoin. This means they are not performing well and perhaps binance will delist them too. You can rechannel those funds into NEO instead

The partnership that Stellar created with IBM proves that it has commercial use. It is a competitor to both ripple and ethereum which makes it a worthy investment. The prices hasn't pumped much so it is still a good time to buy before it happens

EOS hasn't really pumped yet as it hasn't produced anything that is usable, unlike ethereum which is product ready. However, long term money is in EOS as it will cover all the pitfalls of ethereum and it has a huge development fund

As crypto goes up and down all the time it is impossible not to fail. Crypto is about dealing with those failures and moving on to ensure that overall you are gaining. Don't focus on the coins that brought your portfolio down, just the ones that pick you up

The movement of waves going into the top 20 is certainly a shocking one, considering it is not a particularly good platform i would say it is temporary. Funds will be diverted to more high potential platforms like Cardano and EOS

When information about thousands of ethereum tokens moving to an exchange comes from a newbie account and without any links to the transaction it is hard to believe. However, if there is another major dump a move to $40 is certainly possible

Ethereum is like a slow steady horse, very reliable but not a great achiever. Tron is more wild, i think there are more gains to be had with tron but it depends on how much marketing Justin does, normally he brings out some good news every week to keep the community happy and maintain interest

So this is basically saying that we should exchange out BTC for altcoins as the season is upon us. Normally this happens after there is a bitcoin rally but that hasn't happened yet. This small rally is different because BTC is moving at the same rate rather than a faster rate

The other problem is that the SEC is cracking down on ICOs so the number of tokens on the blockchain will decrease. Ethereum will still grow in line with the other crypto's but unlikely to see huge gains like it has done in the past

Ripple has a ridiculously high circulating supply which makes it difficult to rise up to $5, unless there is some type of fake pump based on hype. As it already has a high market cap there isn't much room for growth, but it is a safe investment anyway

It has gone beyond the $4000 barrier and appears to be consolidating at that level. Hard to say what is going the happen the next day but i think that this is a bull trap as it is too soon for a bull run to happen. It should last a few months before we get to a recovery stage

This has happened before and then it dropped down even lower. My guess is that this is nothing but a bull trap and the bears will eventually push it down again. The real bull run begins when the bakkt is operational and big money starts to flow

I think the advice is good to stick with top 20 coins because there isn't enough money flowing into crypto right now and most of the smart money goes into safe investments. However, if you want crazy gains, you need to look a lot lower so you can get 1000x profit

Ethereum seems to have a lot of support around $85, it has bounced up from there but continues to test it as the new floor. Once that has been breached then who knows where it can go. Perhaps down to $50 it is hard to say

Ripple and stellar are both flawed. Ripple has an unlimited supply designed to make bankers even richer at the expense of the crypto community, while stellar has a very limited distribution with 90% of the coins held in just a handful of wallets

I would only invest around 50% in speculative cheap coins. Of that perhaps 25% in reasonably good ones like Monetha, with the remaining 25% in shitcoin speculation where you might get lucky. Half should be in top 20 coins like NEO or ZEC for better stability

Cardano has yet to prove itself as there is no real world product that can be used, it is all about speculation. Potentially it could replace ethereum but so can tezos or LISK or NEO. Plenty of competition so we have to see which one comes out on top

If it was any other time fo the year i think we would see a recovery, but it is Christmas no-one has any spare money so the market is going to stay this way until January. I doubt it will drop much further but people need money for gifts

Litecoin doesn't offer anything useful, it is just like bitcoin cash and many other payment coins. I would invest in ethereum instead because it has a real world use which ensures that the demand is continuously healthy - in a stable market