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I cant really afford to risk money on coins,coins everywhere.

Welcome to the cryptos - look at the coin market caps daily and they all lose money eventually. Someone once told me: Follow Bitcoin only - the rest are crooks. There is a perverse logic there! https://coinmarketcap.com/

Wankcoin, TitCoin, AuroraCoin, Mazacoin etc etc...all shitty pre-mined coins!

....it's a never ending rabbit hole of shitty coins!