I start trading when bitcoin 17000. until now, I lost a haft of money.
To put it into more positive perspective, you are not losing anything.
You only lose if you sell your bitcoins during dips, buying Bitcoin is playing a mid-term game you will need to hold your coins until it reached your desired price.
Lending I think have not join anyone. But I think in the first time you can get profit from lending. But no more later.
Lending can give you a nice profit, but it also pairs with nice risk.
If you want to be a lender you will need to secure a collateral for every loan you give with at least 110% - 120% collateral value from the loan.
And now, bounty, I still reading and research information about it. No one help or support. One day, hundreds of campaign public. But dont know which one scam or good.
Just stick with a well-known Campaign Managers, they are professional enough to manage a campaign and ensure payment for their participants.
Be careful with Newbies manager, no guarantee that the manager are also part of possible ICO scams.
Then again, it might be hard for you to get accepted at Signature Campaign due to poor English, I would suggest to take a short English course.
It will not only benefit you here, it would benefit you on real world application too.