Hi, I'm AltcoinOrbit, a seasoned crypto enthusiast with 9 years of experience in trading and investing. Passionate about blockchain tech and decentralized.
#DePIN (Decentralized Physical Infrastructure Network) leverages blockchain and token rewards to decentralize real-world infrastructure like transport, energy, and connectivity. Individuals can contribute physical resources to earn rewards while fueling innovation. Below are some of the most promising DePIN projects and step-by-step guides to start earning. 🌐 Let’s dive in! 👇 #AirdropAlert 1/ DAWN 🛰️ @dawninternet | Raised: $35.5M DAWN is a DePIN project on Solana that enables users to become internet service providers and earn rewards. #DAWN Earning Guide: ⫸ Visit dawninternet.com ⫸ Download the extension ⫸ Use this code: f2ar0gsz to register ⫸ Complete quests to start earning
2/ Rivalz AI 🤖 @Rivalz_AI | Raised: $26.96M Rivalz connects AI with real-world resources like computers and smart homes, revolutionizing global AI access.#Rivalz How to earn $RIZ? ⫸ Go to rivalz.ai/download ⫸ Install the node ⫸ Complete tasks to earn rewards
3/ Grass 🌱 @getgrass_io | Raised: $4.5M Grass lets you monetize unused network resources by selling "internet views" and earning native tokens. #grass Guide to earning: ⫸ Register https://app.getgrass.io/register/?referralCode=NO7kO1FLTDiXmo4 ⫸ Install the browser extension ⫸ Refresh your dashboard to start earning ⫸ Invite friends to boost your income
4/ Oasis AI 🎙️ @oasisai | Raised: $2.8M Oasis AI uses speech-to-text technology to simplify transcription and offers rewards for completing tasks. Farming guide: ⫸ Visit https://r.distribute.ai/8435ba38786418ce ⫸ Sign up ⫸ Download the extension ⫸ Earn $OAI by completing tasks
5/ Gradient Network 🔷 @Gradient_HQ Gradient is reshaping computing power and staking, creating a decentralized future for all. Earn $GRD: ⫸ Join https://app.gradient.network/signup?code=Y62VN1 ⫸ Install the extension ⫸ Start earning
6/ Hivello 🔗 @HivelloOfficial Hivello connects decentralized resources to Web3, allowing you to share your computer's resources for passive income. How to start: ⫸ Join the waitlist at hivello.io ⫸ Download the app and set up your account ⫸ Start earning!
7/ Kaisar Network 💻 @KaisarNetwork A DePIN protocol for decentralized AI and computing. Early adopters can earn points convertible to tokens. Guide to earning: ⫸ Register https://zero.kaisar.io/register?ref=ujdffH051 ⫸ Download the extension ⫸ Start earning instantly!
8/ Navigate AI 📊 @navigate_ai | Valuation: $7.6M Navigate AI rewards users for sharing data, enabling blockchain-AI innovation. How to earn NVG8 tokens: ⫸ Sign up at https://dataquest.nvg8.io//signup?ref=1589015 ⫸ Download the extension ⫸ Complete tasks and unlock rewards
9/ Nodepay AI 🌐 @nodepay_ai Nodepay allows you to earn by monetizing unused internet bandwidth while aiding AI training. Start earning: ⫸ Register https://app.nodepay.ai/register?ref=YHuzp36Wr3xVpUy ⫸ Install the extension ⫸ Begin earning passive income
10/ Blockmesh Airdrop 🪂 @blockmesh_xyz | Cost: Free How to join: ⫸ Register https://app.blockmesh.xyz/register?invite_code=04962bb8-331e-4ae5-9b66-a1b973db5d26 ⫸ Connect your wallet and complete tasks ⫸ Download the extension and start earning points
11/ @theblessnetwork The Bless Network offers a seamless way to earn rewards through its decentralized infrastructure. With just a few simple steps, you can start earning today. How to get started: ⭕ Go to: https://bless.network/dashboard?ref=7KWBOX Sign up using your Google account. ⬇️ Download the extension: https://chromewebstore.google.com/detail/bless/pljbjcehnhcnofmkdbjolghdcjnmekia Earn rewards by completing tasks within the extension. 💰 Cost: $0 ⏰ Time required: 5 minutes
12/ @toggle Toggle is a revolutionary DePIN project allowing users to farm and earn rewards effortlessly. How to start farming: Visit: https://toggle.pro/sign-up/308a9784-b86c-45a2-b9b7-bc849aef6aa2. Sign up and start farming. Huge rewards are available, and the process is simple and free. 💰 Cost: $0
13/ @teneo_protocol Teneo Protocol simplifies decentralized infrastructure through an easy-to-use platform, offering rewards for active participants. How to earn: Register here: https://dashboard.teneo.pro/dashboard Use the code: 8h70m during registration. ⬇️ Download the extension: Teneo Community Node. Complete tasks to start earning rewards. 💰 Cost: $0
14/ @FunctorNetwork The Functor Network airdrop is your gateway to passive income through decentralized physical infrastructure. How to get started: ⬇️ Add the extension: https://node.securitylabs.xyz/?from=extension&type=signin&referralCode=cm3qd2miy0sz4qv1bt0uigyrf Click "Connect" and sign up using your email or wallet. 💰 Cost: $0 ⏰ Time required: 2 minutes
15/ @despeednet DespeedNet is the first decentralized network for internet speed verification, offering an innovative way to earn Bytes by setting up a validator. How to earn Bytes: Visit: https://app.despeed.net/register?ref=z3hEkzCf3j5G. Register and set up your validator. Start earning rewards by participating in the network. 🌐 Join the decentralized future today!
16/ @AllStream_AI AllStream AI merges AI technology with decentralized networks, creating opportunities for participants to earn rewards. Steps to earn: 1️⃣ Register here: https://app.allstream.ai/index?referralCode=vOgfARuZ 2️⃣ ⬇️ Install the browser extension. 3️⃣ Sign in and activate the extension. 4️⃣ Visit the rewards page and connect your wallet to start earning. 💰 Cost: $0 Start exploring these DePIN projects now and unlock the potential of decentralized physical infrastructure! 🚀
$0.1884: This is a critical level to hold. If this support breaks, we may see further downside, potentially triggering more sell-offs.
2️⃣ Near-Term Breakout Level:
$0.3004: A breakout above this level could signal strong bullish momentum, pushing prices higher in the short term.
3️⃣ Bull Breakout Level:
$0.3936: A move above this level would confirm a strong bullish trend, opening doors for a sustained upward rally.
---
Current Observations
Griffain has bounced off the important support zone at $0.1884, showing signs of recovery.
The price is approaching the near-term breakout level ($0.3004), which could lead to increased bullish activity if broken.
Volume is increasing (SMA 9: 1.502M), indicating growing interest in this token.
---
Trading Strategy
For Buyers:
Look for confirmation above $0.3004 before entering a long position.
Target the next resistance at $0.3936 for a potential breakout rally.
---
Final Thoughts
Patience and proper risk management are key. Griffain is currently testing key levels, and how it reacts in the next few sessions will determine the next major move.
$93,048 – A breach of this level could lead to further downside.
---
📉 What’s Next?
BTC seems to be retracing to fill the gap near $93K, as shown in the chart, which could act as a springboard for the next bullish leg.
If the price holds above $96,016, there’s potential for a quick recovery toward the $99,319 and $102,583 levels.
---
🔮 Action Plan
The current dip could be the last correction before the next major bull run. A strong bounce from the support zone may confirm bullish momentum leading into 2025.
However, failure to hold the $93K-$96K zone could trigger further downside toward $85K or below.
---
⚡ What do you think – Is this the dip to buy? Let us know in the comments! 🌌
📊 $BTC /USDT 12H Chart Analysis 📊 This is an updated anysis. Please check the previous post on BTC and how it respects all the levels.
💰 Current Price: $99,615 (-5.52%)
🔎 Observations from the Chart
1️⃣ 📈 Price Action:
BTC has sharply declined after testing the $105,647 high, pulling back to the $99,615 level.
This drop positions BTC within a critical range, where important support levels must be held to sustain the bullish structure.
2️⃣ 🔴 Key Resistance Levels:
$104,496 - $102,583: These levels represent immediate resistance. A breakout here would likely reignite the bullish rally.
3️⃣ ⚫ Support Levels to Watch:
$99,319 - $96,774: Key support zone to monitor.
$93,048: Critical support level. If BTC tests this level, it would align with the CME Gap, a common occurrence before significant market moves.
4️⃣ 🕳️ CME Gap Significance:
BTC often fills CME Gaps before embarking on massive rallies. The chart suggests this might happen, aligning with historical patterns that precede bull runs 🚀.
---
📈 Potential Scenarios
✅ 1. Breakout Above Resistance
Trigger: A move above $104,496.
Outcome: Could push BTC toward $110,000 or higher.
❌ 2. Retest of Key Supports
Trigger: A failure to hold $99,319.
Outcome: BTC may test the $93,048 level, filling the CME Gap.
🔄 3. Sideways Consolidation
BTC may range between $93,048 and $104,496, building momentum for the next big move.
---
⚠️ Risk Management
Stop Loss for Longs: Below $93,048 to mitigate risks.
Stop Loss for Shorts: Above $102,583 to avoid being trapped by a breakout.
---
🛠️ Trading Insights
📈 Bullish Setup:
Watch for a break above $104,496 with strong volume.
Target: $110,000
📉 Bearish Setup:
If BTC fails to hold $99,319 and drops below $96,774, short positions could target $93,048 or lower.
---
🔑 Final Note
BTC filling the CME Gap could be the precursor to a super bull cycle 🚀.
🔎 Observations 1️⃣ 📈 Price Action: $BTC The trend remains upward with multiple higher highs and higher lows, signaling bullish momentum. 2️⃣ 📊 Support and Resistance: 🔴 Upper Resistance: $103,900–$104,000 Marked by a strong resistance level that the price is currently testing. ⚫ Lower Support: $80,000–$82,000 Key level where the price previously bounced. 3️⃣ 🕳️ CME Gap Importance: It’s critical for BTC to fill this CME Gap to signal the start of a super bull cycle 🚀.
Historically, BTC tends to revisit and fill gaps across all markets before moving significantly. 4️⃣ 🔄 Recent Price Action: The price has bounced off the lower support and is now testing the upper resistance zone. --- 📈 Possible Scenarios ✅ 1. Breakout Above Resistance If the price breaks above $104,000 with strong volume, it could trigger further bullish momentum. Next Target: $110,000 or higher 🚀 ❌ 2. Retest of Support Failure to break the resistance may result in a pullback. Target Zone: $80,000–$82,000 support 🛡️ 🔄 3. Consolidation The price may move sideways within the $82,000–$104,000 range as it builds momentum. --- ⚠️ Key Note on Volatility #BTC☀ Today’s FOMC result will likely cause huge volatility ⚠️. If trading Futures, stay cautious and manage your risk carefully. Sharp moves in either direction are likely. --- 🛠️ Suggestions 📈 Buy (Bullish Setup): Trigger: A break above $104,000 with strong volume 📊 Signal: Bullish breakout Target: Near-term target $110,000 🚀 📉 Sell (Bearish Setup): Trigger: Failure to break resistance and a drop below $103,000. Signal: Bearish reversal ⚠️ Target: Retest of support around $80,000–$82,000. ⏳ Wait & Observe: Given the current position near resistance and today’s FOMC news, observe price action carefully before making moves. --- 🔑 Final Thoughts: BTC filling the CME Gap is key for a potential super bull cycle. Manage risk carefully, especially during high-volatility events like the FOMC result. Stick to your levels, confirm price action, and trade smart 🎯.
The crypto market is highly volatile, which means there are incredible opportunities on both the upside and downside. Trading both Long and Short positions allows you to capitalize on price swings, no matter the direction.
Here’s why I focus on multiple levels with low leverage:
1️⃣ Reduces Liquidation Risk – By using low leverage and bifurcating entries into multiple levels, you avoid going all-in at one price. This spreads your risk and allows you to stay in the trade longer.
2️⃣ Support = Smart Entry Point – Instead of chasing the market, I identify support levels for my Longs and resistance for Shorts. A wick candle often hunts high leverage and stop losses, so precision and patience are key.
3️⃣ Adapt to Volatility – Crypto volatility is a blessing when managed correctly. Trading both sides lets you profit from every major move, up or down.
Be Smart, Be Safe:
Use low leverage.
Always look for key support and resistance levels for entries.
Avoid taking huge positions at one price; split your entries to manage risk.
I’ve attached my $ETH entry screenshot to show how I use this strategy effectively. Remember, the market rewards discipline and smart risk management. Trade wisely!
Eric Balchunas, Senior ETF Analyst at Bloomberg, forecasts a significant surge in cryptocurrency exchange-traded funds (ETFs) in 2025, potentially including assets like Litecoin ($LTC ), Hedera ($HBAR ), Solana ($SOL ), and XRP ($XRP ).
Bitcoin & Ethereum Combo ETFs: Expected to be among the first approvals.
Litecoin (LTC) & Hedera (HBAR) ETFs: May follow, given their classification; Litecoin, being a Bitcoin fork, is often viewed as a commodity.
Solana (SOL) & XRP (XRP) ETFs: Could be considered subsequently, depending on regulatory developments.
Regulatory Landscape: The anticipated changes in the U.S. Securities and Exchange Commission (SEC) leadership is expected to create a more favorable environment for crypto ETF approvals.
Implications for Investors:
Diversification Opportunities: The introduction of these ETFs would provide investors with broader exposure to various cryptocurrencies through traditional financial instruments.
Market Accessibility: ETFs can simplify the investment process, potentially attracting a wider range of investors to the crypto market.
Stay Informed:
As the regulatory environment evolves, it's crucial for investors to stay updated on developments regarding cryptocurrency ETFs and to assess how these instruments align with their investment strategies.
Note: Investing in cryptocurrencies and related financial instruments carries risks. It's essential to conduct thorough research and consider your financial situation before making investment decisions.
BlackRock x Aptos: A Step Toward Institutional Blockchain Adoption 🚀
BlackRock, the world's largest asset manager, has expanded its tokenized BUIDL fund to the Aptos blockchain, alongside other major networks like Arbitrum, Avalanche, Optimism, and Polygon. This move underscores Aptos's high-performance blockchain capabilities, powered by its innovative Move programming language.
🔹 BUIDL Fund: A tokenized money market fund offering exposure to U.S. Treasuries.
🔹 Why Aptos? Advanced tech, scalability, and institutional-grade infrastructure.
🔹 The Vision: Expanding access to tokenized assets, bridging traditional finance with blockchain innovation.
This marks a significant milestone for Aptos and reflects BlackRock's confidence in blockchain's future role in institutional finance. APT surged following the announcement, signaling market optimism despite broader volatility.
Is this the turning point for blockchain adoption in traditional finance?
Let’s discuss. 🔥
📊 $APT /USDT Update 🚨 #APT
APT is showing signs of weakness after breaking below the ascending trendline on the 2H timeframe. Here's what to watch:
--- 1️⃣ Retest Level: $13.56
Price has fallen under this level and is consolidating near $13.19.
A confirmation of rejection here could lead to further downside.
2️⃣ DCA Zone: $12.58 - $12.81
This area offers a solid entry point for Dollar-Cost Averaging (DCA) as support is building up.
3️⃣ Major Support to Hold: $11.81
If we break further, this becomes a critical support level to watch.
Bulls must defend this zone to avoid further downside pressure.
4️⃣ Breakout Level: $14.92
A decisive move above this resistance will signal bullish strength and a potential reversal.
---
📝 Trade Idea:
Consider partial entries around the DCA zone.
Set stop-losses below $11.81 to manage risks.
A recovery towards $14.92 could signal upside momentum.
🔍 Always manage risk carefully and trade with low leverage during volatile markets. --- Happy Trading! Stay safe and Smart! 🛡️📈
BTC is currently testing the retest zone at around 106,459.99. It's essential to wait for confirmation before entering any positions. The market is approaching key resistance levels, with a potential move towards 108,000.00 if we break through the current range.
However, should we face any pullback, keep an eye on support levels like 104,496.04 and 102,583.06 for potential re-entry zones. The critical support to hold for a bullish outlook is 99,319.70, so be cautious if this level is tested.
Stay safe, manage your risk, and keep your stop-loss strategies in place. Happy trading!
The market is showing increased volatility, and sudden moves can test our patience. Do not panic and sell during dips! Here's how we can navigate this market effectively: #Market_Update
---
🔹 Partial Entries for Averaging: $BTC
This is a great time to start making partial entries into coins you've been eyeing.
Be cautious—further dumps are possible, so space out your entries and avoid rushing in.
🔹 DCA (Dollar-Cost Averaging) for Futures: $APT
Use low leverage in futures trading to ensure your liquidation price is far and manageable.
Take multiple small entries to average your cost and manage risk effectively.
🔹 Plan for Spikes: $BNB
Volatile markets can bring sudden spike wick candles. To avoid missing opportunities, I’m placing multiple orders 10-15% lower than the current price.
🔹 Profit Booking and Trailing Stop Loss:
Don’t forget to book profits regularly during short-term pumps.
Use a trailing stop loss to lock in gains and protect yourself from unexpected reversals.
---
Final Thoughts: Volatility can be scary, but it also presents opportunities. Stay patient, avoid emotional trades, and stick to your plan.
Trigger: 📈 Confirmed 4H candle close above the breakout level at 0.0000246272.
Entry Zone: Between 0.0000246272 and 0.0000258042 after a breakout and retest.
Targets:
🎯 First Target: 0.0000272221
🎯 Second Target: 0.0000280000
Stop-Loss: Below 0.0000233232
Confirmation: Look for 📊 increased buying volume and sustained movement above the breakout zone.
---
🔴 Short Position Setup
Trigger: 📉 Breakdown below the 0.0000233232 level with rejection after retest.
Entry Zone: Between 0.0000233232 and 0.0000221845 after a breakdown.
Targets:
🎯 First Target: 0.0000211214
🎯 Second Target: 0.0000200000
Stop-Loss: Above 0.0000238000
Confirmation: Monitor for declining 📉 volume and lower highs with a failure to reclaim resistance.
---
⚠️ Risk Management: Use tight stop-losses and adjust position sizes based on your risk tolerance. The triangle's apex suggests increasing volatility, so trade cautiously.
Let us know your trade direction in the comments! 🚀📉
🔹 Market Overview After a 20% recovery in altcoins, there are signs of overbought conditions, while BTC remains at 102K. Despite weakening selling pressure, further declines are uncertain, presenting a window of opportunity for USDT holders to buy strategically.
---
🔹 Key Points to Consider:
1. Overbought Conditions
The rapid recovery indicates short-term overvaluation in some altcoins.
Gradual weakening in selling pressure hints at potential stabilization.
Altcoins may consolidate before resuming upward trends.
3. Volatility at 5-10%
Moderate volatility provides a favorable risk/reward ratio for spot buyers.
Investors should focus on high-quality altcoins with strong fundamentals.
4. Patience is Key
This period demands strategic entries rather than impulsive buying.
Diversifying your portfolio can mitigate risks during corrections.
---
🔹 Actionable Insights:
For USDT Holders:
Gradually accumulate altcoins in spot positions.
Prioritize projects with strong use cases and developer activity.
For Existing Holders:
Avoid panic selling; instead, focus on long-term potential.
Monitor support levels for possible retests.
---
📌 Conclusion
Altcoins remain in a corrective phase, but this also offers a golden opportunity for strategic accumulation. Patience and a disciplined approach are essential to navigate the volatility.
“Everything will be good again” – A reminder for long-term investors to stay focused on the bigger picture. 💪📊
DOT/USDT is forming a symmetrical triangle pattern, suggesting a potential breakout in either direction. Here's the trade setup for both bullish and bearish scenarios:
---
🔹 📈 Bullish Trade Plan
1. Trigger:
A 4-hour candle close above $8.57, breaking the upper trendline with strong volume.
2. Targets:
First Target (Resistance): $10.03 🎯
Second Target (Bullish breakout): $11.50 - $12.00 🚀
3. Stop-Loss:
Below the $8.39 support level (approx. $8.20). 🔴
4. Confirmation:
Look for high trading volume 📊 to validate the breakout.
---
🔹 📉 Bearish Trade Plan
1. Trigger:
A 4-hour candle close below $8.39, breaking the lower trendline with volume confirmation.
2. Targets:
First Target (Support): $7.48 🎯
Second Target (Bearish breakout): $7.00 📉
3. Stop-Loss:
Above the $8.57 level (approx. $8.80). 🔴
4. Confirmation:
Ensure volume increases 📊 to avoid a false breakdown.
---
🔹 Key Notes:
Symmetrical triangles can break in either direction, so wait for confirmation before entering a trade. ⏳
Use proper risk management with stop-losses and position sizing to protect your capital. 💡
Monitor volume spikes to confirm the breakout direction. 🚦
Keep an eye on these levels and adapt your strategy based on the movement. Happy trading! 🤑📈📉
The price got rejected from the upper trendline, indicating strong selling pressure near higher levels.
2. 🔐 Resistance Level:
The $1.14 zone is acting as a major resistance, preventing upward movement.
3. 📉 Potential Downside:
A short-term pullback seems likely due to the rejection near resistance.
4. 🛠️ Support Levels:
The $1.00 trendline could act as a strong support, providing a potential bounce-back area.
---
💡 Trading Insights:
1. 📉 Short-Term Bearish Sentiment:
Look for bearish candle confirmations near the $1.14 level to consider short opportunities.
2. 📈 Long Opportunities:
A retest near the $1.00 support could offer an ideal entry point for long positions if bullish signals (e.g., volume spike or reversal patterns) emerge.
---
📊 Levels to Watch:
🔴 Resistance Levels:
$1.14: Current major resistance.
$1.21: Bull breakout level.
🟢 Support Levels:
$1.00: Trendline support.
$0.96: Major support zone.
---
🎯 Strategy:
1. 📉 Short Position:
Entry: Below $1.14 resistance after bearish confirmation.
Stop-Loss: Above $1.21.
Target: $1.00 or $0.96.
2. 📈 Long Position:
Entry: Near $1.00 support with bullish reversal confirmation.
Stop-Loss: Below $0.96.
Target: $1.14 and possibly higher levels.
---
⚠️ Important Notes:
🧭 Volume: Watch for spikes in volume to confirm the strength of a breakout or breakdown.
🌐 Market Sentiment: Keep tabs on news or sentiment changes that could impact price action.
---
📜 Disclaimer:
This analysis is for educational purposes and does not constitute financial advice. Always do your own research and consult with a financial advisor before making trading decisions.
🔎 Overall Trend #SUI🔥 The chart shows a short-term downtrend, with potential for a retest of key support levels. Price action suggests waiting for confirmation from the candles before making a move.
🔑 Key Levels
Resistance Levels:
4.4973 (Current Price)
4.6497
4.7601
4.8865
Support Levels:
4.4899
4.2534
4.0739
3.8915
📈 Trading Strategies
1. Long Position
Entry: Wait for a bullish candle confirmation above the 4.4973 resistance level.
Stop-Loss: Place stop-loss below the 4.4899 support level.
Take-Profit: Target the 4.7601 breakout level for potential profits.
2. Short Position
Entry: Wait for a bearish candle confirmation below the 4.4973 resistance level.
Stop-Loss: Place stop-loss above the 4.4899 support level.
Take-Profit: Target 4.2534 or 4.0739 support levels for short-term profit opportunities.
⚖️ Important Considerations
Risk Management: Always use stop-loss orders to protect your capital and manage risk effectively.
Market Volatility: Crypto markets are highly volatile, so be prepared to adjust your strategy based on price action and market changes.
⚠️ Disclaimer: This analysis is for educational purposes only and should not be considered financial advice. Always conduct thorough research and consult a financial advisor before making any trading decisions.
Price Action: The price is currently consolidating below the breakout level at 0.19782, suggesting potential for a further decline. The chart also shows a breakout of a box pattern, reinforcing the possibility of continued downward movement.
Indicators: The volume SMA 9 is decreasing, which aligns with a bearish market sentiment.
📈 Trading Strategies
1. Short Position
Entry: Enter a short position at the current price of 0.16933.
Stop-Loss: Place your stop-loss above the breakout level at 0.19782.
Target: Target the major support level at 0.13186 for potential profits.
2. Long Position (Conditional)
Entry: Consider entering a long position only if the price breaks above the breakout level at 0.19782 with strong volume.
Stop-Loss: Set the stop-loss below the consolidation range at 0.16933.
Target: The bull breakout level is at 0.22052.
---
⚖️ Important Considerations
Risk Management: Always use stop-loss orders to manage risk effectively and protect your capital.
Market Volatility: Cryptocurrency markets are highly volatile, so stay informed and ready to adjust your strategy as market conditions change.
Further Analysis: Do additional research before making any trading decisions to refine your strategy.
---
⚠️ Disclaimer: This analysis is for educational purposes and is not to be construed as financial advice. Trading cryptocurrencies carries significant risk, and it’s important to conduct thorough research and consult with a financial advisor before making any decisions.