what do you think about altcoin,do you think is the time to buy? am afraid because all my money is heading to zero..

Yes, this is a very good time to buy Altcoin. Altcoin still has very good potential and the current conditions are falling in price. But you also have to be able to take advantage of these conditions to invest. And when you buy coins, I hope you hold a coin. Because in December the coins will recover.