As long as my credit is good, I am a buyer long past the point of despair. When I start to feel the fear and depression, I cheer myself up by buying more. I take some amphetamine and a shot of whiskey, if that's what it takes.
It would mean a very great decline in coin price, reasonably below 0.0025 or even in the post-introduction low area of ~0.0018.
This won't happen (if at all) until BTC goes for $1000 or higher. Historically, right after BTC hits new highs is when the alts finally bottom out.
I'm calling a test of 0.004 short term