Ripple is a shitcoin as they say, I've heard alot of negative comments about Ripple, they say ripple is a scam coin because it's centralized and majority of the holders are from banks. What do you think? Should I trust Ripple?

I see that many of you actually liked the concept of 20 % method wherein you allot 20% of your earnings to be saved as emergency fund.
So I was thinking, if that 20% allotted will be invested in a time deposit kind of account, will it still be possible to earn as much or invest it in cryptocurrency? Or maybe just let the money sleep until such time you will need it?
What will be a wise kove to do with the noney you have saved up?

Any advice?
Please don't say it's all about confidence and all that bs because I don't believe it.

Most of us join bounty campaigns because it is one of the means for us to get coins. I just want to verify how many of us have experienced waiting for a long period of time to get our coins. Don't get me wrong, i do trust the managers and what they say. And, most of them give valid  reasons why it'll take that long for them to distribute the rewards. In average, how long do you receive your coins after a bounty campaign?

Hello guys, I see that many traders are afraid of risk, and they always want a guaranteed profit, but unfortunately, this gain is always  a little in value.
And in many threads, they always ask about "how to make a safe method in trading"

Many cryptocurrency players have gone bankrupt
As I said in this year's new futures market
Such speculation has already allowed many former winners to Departure .

Bitcoin is taking a huge plunge!
Are you guys selling to be safe, or still hodl in the hope it will go up again?

Mine is Berserk, it's really awesome and immersive. Also, it motivates me to work-out and live my life to the fullest. If you write your favorite manga, please add an explanation why it is your favorite.

What are your plans for the future, in 5 years, 10 years etc.? What do you intend to do and what interests do you intend to pursue?