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Smart you are, and it's the only way to fly!

Of Course! Investing without knowing is the same as going to the casino and put everything you have on the red. In that way, you have to get lucky to win something...

Ha ha, you're exactly right, and it's so sad how many people just invest in what's currently hot... Ripple is a great example of such a token.

What do you usually invest in?

Steem, EOS, Ethereum, and I want to add Monero, but I just don't have the monies to do so at this time.

What about btc and lite? What are your thoughs on both?

Naa, don't really see a need for them, and I'm not a fan of "proof of work". Too centralized and controlled by miners, and a waste of electricity to boot.