hi,

im new and a complete noob to this.  but i am open and looking into this recently. 

i have setup a few wallets and researched up on a few coins that i would like to invest in. 

as i am currently situated in canada, it seems that actually getting btcs is the hardest point.  locally, i would be paying +7%
and any exchanges does not seem to be 'instant', and +3-5 % when using cc

any advice would be appreciated

thanks.