That is just common sense, it is incredible that many people in the forum do not even take the time to make a simple investigation of 5 minutes before investing their life savings, that is insane, read the whitepaper, look for the developers and investigate them see if they are who they say they are, find out where the company is located, read all their ANN thread, look for the opinion of others that are respected by the community only when you do that you can invest.