I think that for a long time everyone knows that the ICO process is a very interesting thing, in which you can earn very, very well. You just need to spend time on what they write about their project and read people's opinions.

I believe it is, Ripple is a strong altcoin and whoever says otherwise needs to check his facts.

 i am sure you are not to late. A bull run happens regularly and it will certainly happen again. You can always just stick to bitcoin.