Seem like a great project with a lot of potential to really become mainstream. Team should do well to deliver on promises made.

Ripple is kind of a hot deal at the moment, having so much partnerships and updates on the network, here are some that could interest you on why it could still be a great buy.Also, It is currently about a seventh of its all time high(compare that with bitcoin by the same proportion), so there is still much room for growth.
https://www.icoexaminer.com/ico-news/unicef-now-accepts-donations-in-ripple-and-stellar/
https://www.ccn.com/content-creators-on-youtube-twitch-and-wikipedia-can-now-accept-ripple-xrp/

It is obvious that the market is not for everyone as some persons will find it difficult to understand the dynamics of the market, the fluctuations we on some days can only be borne by courageous investors

The goal of bitcoin is to create a payment system that is secured, censorship resistant, cheap, efficiency without the need for a central controlling authority. The people's money

Hacker usually do not target wallets with small holdings, if you are holding significant amount, it is best you get a hardware wallet and store your assets offline. That should be sufficient in as much you keep your private keys offline too

People can tell you what you want to hear but no one can say for sure that such predictions are accurate since the market does not follow popular opinion. We have seen crashes in the past when we expected bulls. Do your own research

It not too late to start investing in cryptos, a lot of persons have heard about it but only a few have actually made effort or enough research to invest in it. So you still have some early advantage

I agree with you on this, first no one saw this or predicted the current market situation. We all thought this the year of cryptocurrencies, of ICOs and explosive adoption. The market behave in a way that defy most expert predictions

Whether you will pay income taxes on profits will depend on your country of residence and the applicable laws, I am curious though, what will happen on the days when you incurred losses on your trade ?

Bounties campaigns are good if you chose a good one, otherwise, it is just  a waste of your time. If the spreadsheet is no longer updated, you should contact the bounty manager for a satisfactory answer

It will succeed both in the medium term and long term. Cryptocurrencies have gained the attention of most governments and big institutions ,interested in investing in it. The future may be larger than anticipated

It doesn't follow the vision of bitcoin to have a central repository, or control authority. Why would one entrust bitcoin to a bank when it is easier to keep it in your wallet. The banks can be targets of hacks and they will add any value

The current crashing in the price of Ethereum is only temporary, it doesn't define the future of Ethereum. Ethereum still has a lot to offer the crypto ecosystem

No way we are going that low, no investor will sell ether that low. It is still the second largest coin on coinmarket cap and largest platform for ICOs

With a concept they call fractional reserve banking, banks practically create loans from money they do not have, debt out of thing air, they can make 100$ loans from deposit of 1$ you make and s charge interest on it

Day trading is good and was a good source of income for many in times past, technical analysis these day fail often because of those who manipulate the market, it is made worse by exchanges putting up incorrect data to traders.

It is possible to see a 200 % increase sometimes(doge did 100 percent recently) and greed will always keep people hooked,but more often than not, loses are incurred as the price often return to the lows after a while. So it is a good deal to sell off some portion of it at least

If there are no fundamental reason for the sudden hike in price over a short period of time, I will sell them off as it is often abused sign of involvement by pump and dump group choosing the coin, this is often also backed by increase in trade ve

It is sad because it use to offer some sort of hope to those who do really do not have other defined means of becoming a millionaire, i don't think those days are over anyway, anything can happen in the space

The bulk of the persons selling at every dip in price or FUD are those who do not believe in it long term, there are core hodlers whose courageous act help keep bitcoin above certain threshold, above 6000$