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RE: Crypto currencies (get in now or cry later)
Mine your ether. At the current price it pays back quickly. Ripple and nem can't be mined so you have to buy them. Steem you blog for, though genesis recently added steem as an auto convert. Zcash I know very little of.
@funkit I believe that Zcash is the best if you are thinking about mining with a GPU specially if you are using the US server at Supernova. However I agree with you about mining etherum cloudily in the mean time and I wish you all the best.