In terms of ICOs, I would suggest taking a look at Binarycoin. It is similar to the other trending lending coins, however it is much more realistic, and also has a very solid whitepaper. I could easily see this coin launching at around x10 ICO price. However, get in quick because there isn't much left and it's going fast. ICO ends at the end of this month, and is hitting exchanges near mid December. Do you're own research, but it is definitely my number one right now.
https://wallet.binarycoin.io/#/login/sign-up/amFrZXc4Mzc5QHlhaG9vLmNvbQ==