You guys are playing with fire, Ripple is not decentralized, Ripple has been significanlty premined - nothing stops the Ripple devs from dumping the coin's price.

Nothing stops the developers from adding more coins in circulation to cause inflation negate any gains you have made.

Can the price still go up - yes ofcourse it can, but the risk is huge, it can go to zero, easily.

In my opinion if big bankers found Bitcoin or other currencies a big risk, they would create ripple, spend millions on media/advertising, get millions of people involved for gains, then dump the coin and hurt everyone - to get investors thinking cryptocurrency is dangerous and the big banks were right, it's just a bubble.

I honestly don't understand why you would literally just give you money to a company who only cares about profit - and what do you get in return, nothing but a speculative token, one that has no gaurentee to keep it's value. Keep in mind, XRP is not a share in the company. Sure the XRP is used in settlements, but it doesn't mean they won't "print" more coins when they need to. Inflation will make people spend it and not HODL.

$3 is not cheap! Stop buying on top of the mountain! It can't go to $20000 like bitcoin did, you are not getting in at the start here. Always look at the market capitalisation, BTC is on $260,526,903,842, XRP is on $128,416,778,645, which means if it ever get's as valueable as Bitcoin it will only be $6. Don't fall for the tricks, don't get burned - please research and be carefull, something like Ripple has the potential to severly hurt cryptocurrencies or set it back a few years. Please guys, be careful with your money - don't invest what you can't afford to lose, don't give your money to rich people because you think they'll make you rich too!