Well i know i am new to the cryptoworld as well but  I am pretty sure that although you stated you have funds that you can afford to lose you rather not to, in my opinion research is your only true adviser in this market, once you believe in a coin with good idea and progress invest in. I have done the same and then decided to look for project that have a good community airdrop where fund dont matter, MTC is one that I found have a good potential, the coin is already in the exchange and you can get 450000 MTC for participating in the ICO at marineco.in/ico. this could be a life changing decision with great financial outcome.