If=when, and the answer is... life goes on.

What's the point?

Do a Google search.  There are many ways to buy.  I would do it now though, because chances are the price will go up it it hits Coinbase.

I don't think their ire has anything to do with missing out.  They are part of the group that doesn't trust a centralized crypto.  They think, if it's centralized, it's a scam.

Do your research, that 55B is part of the total cap, and the company disclosed the 55B was going into escrow long ago.  

What would I do if BTC increased circulating supply?  Nothing.  I won't touch BTC.  I like to know about what I am spending my money on.  I have asked myself, who created bitcoin?  For what reason?  Why are they keeping their identity a secret?  There's a lot I don't know about bitcoin, and the creator(s) want it that way for a reason.  My assumption is that it wasn't created to generously make other people rich, create a global currency, etc.  

^ Yes, because the banks are interested in ponzi schemes.  I'm sure that would work out well for them.

LOL - Regrets now?!?!

Seriously folks?  This is old news.  Ripple put 55B XRP into escrow with a plan to release 1B into circulation each month for the next 55 months.  Ripple has been very transparent about its plan and stuck to its word.  When it put the 55B into escrow, the price went up, because it added credibility to Ripple.  It allows investors to accurately predict supply.

If you didnt know, you should do more research before purchasing any crypto. You seem naive.

And most stores want to use real money. I still havent been in a store that accepts bitcoin or any other crypto.

There is one group that wants decentralization and a worldwide monetary system, which will not happen without one world govermnent. This group buys into the idea of bitcoin. As long as the banks and governments allow these cryptos, they have appeased this small group and the group keep isnt hurting anything.

There is another group that see cryptocurrency as a way to take advantage of the first groups efforts, and this group does so to make money. They dont care about decentralization. They see XRP and Ripple as a stable long term system to increase their investment. They believe that the banks have a vested interest in making Ripple work well. For a bank, using Ripple reduces transaction time, which makes that money available for other uses, including bearing interest. The reduced transaction costs save a lot of money for the bank. XRP allows governments to maintain their sovereign currency and gives the bank a medium for conversion. So governments and banks will opt for the Ripple or something similar. This, coupled with the belief that XRP will continue to increase in value makes it the coin of choice for this group.

I use a spreadsheet that auto updates with the current price on the exhange I would use to convert. I also calculate the capital gains tax that would be due if I cashed out.

Your title is falsely misleading. Coinbase halted trading and launched an investigation to determine if some of their employees were involved in insider trading.

I research the technology behind the coin to see if it is legitimate and seems like it will have a legitimate future.  I don't believe anything I read here, since most of it is speculation and wishful thinking.  If my gut says it's a good idea, I do it.  So far I haven't lost.

In the last couple of weeks:
11/16: Amex & Santander partnered with Ripple
11/28: MIchael Arrington starting a $100,000,000 XRP hedge fund
12/7: Ripple follows through with May 2017 promise to put 55 billion XRP into a time-release escrow.
12/15 (tomorrow): Japan and South Koreak banks will begin testing same-day internation funds transfers on the Ripple network.  Testing is supposed to last through January 2018.

Thanks for the tips.

My thoughts exactly.  Just curious why the gap is so big right now.

I did both, thinking that ETH was short-term profits, XRP was long-term profits.  Made various purchases of both over last 39 days.  Result:
ETH = 83% gain.
XRP = 262% gain.

Does anyone know why the current price of XRP is so different depending on the exchange?

Gatehub is currently 0.53 USD
Bitstamp is currently 0.77699 USD

Usually they are within 0.01 USD.  Why such a huge disparity now?

Dumest thing I did... nothing.  I literally did nothing when my instincts told me I should have bought BTC. 

I have always had a knack for identifying things that have good potential for profit, and until recently I never did anything.  I have always said I would use $1,000 to invest in something.  I read an article about BTC in 2013, when it was under $100 each.  My gut told me to buy, my logic told me not to.  I didn't.  The result... I don't have $170,000 that I could have had.

Something similar happened a couple of years earlier on a stock that I was interested in.  In a matter of one year my $1,000 would have been worth $10,000.

I started doing some P2P lending about 8 months ago, which is earning 14%.  I started in crypto a little over a month ago, and my gains currently sit at 90%.  Should have done it a long time ago.  I'm in crypto for the long-term now.

If Ripple is trying to keep price low, could it be until the R3 suit is settled?