Bitcointalk Username: touckysol
BTC Address for payouts: 3LWAECPuw4aEWyYQWZiyux6bHhkk3Cqf3F

Time spent on the bounty campaigns is relative to one's free time (since most of us are employed)!

NEO has big plans for the future. It's all well and good owning NEO and receiving dividends in GAS. But will you be able to use that NEO and/or GAS to fund some of your retirement in the future?

XLM is still near a bottom just like most other coins so hold on and wait for the next big rise over next few months before selling. That will give you lot more profit than now.

i dont hold any neo but i think that neo is not a bad choice for long term holding. Because there will be more neo based icos in the future. And neo is still very cheap comparing with ethereum.

Its because you invested in lousy projects, dont get scammed by the WP of ICO, do your research before investing. Too many $hit projects out there they dont need millions to launch their projects but they still priced their tokens super high which will definitely fall below ICO price.