If u got in early on those coins u are in great shape. Ltc is turning into a dog lately but may bounce back. Still lots of good coins out there for those new to the game. Still a great time to get in. Ripple has gone 6x your money in about 30 days. That's not bad. You can't get that at the bank. I still believe ripple is safe for 2 or 3x your money this year.
I'm not touching the bankster's coin.... at least not yet. XRP has WAY too many waning signs for me. It's pre-mined, they release about BILLION new coins each month, and obviously it's centralized. I look at it as a rainy day fund for banks. Since the banks are the primary holders, in my mind, it's not out of the realm of possibility that at the end of fiscal quarters, if a particular bank doesn't have the profits it needs/wants, then it will sell off massive amounts of XRP to boost their numbers. That would create a domino effect as other banks rushed to cash out also. So, I'm just going to wait, to the end of each quarter to figure out how this plays out. If they do have a massive dump, then I wouldn't be opposed to picking up some, as it waits to rise again. I could be wrong, of course, but it's just a theory. Centralization of XRP, and it's circulating supply, really makes me not a big fan of it.