Nobody can advise you to buy anything right now but in case of XRA its a staking coin so you can check explorer how good XRA holders are doing in staking since they are staking. Some big balance wallets already staked almost 1 bitcoin as a reward which i consider is very generous even in this price so If you are familiar with Ratecoin history and its ups and downs and planning to buy a decent amount of coins to lock in for staking then this price is definitely an opportunity thats all i can say