nice guidelines, but look like they both trying to scam each other,   this forum is full of scammers, many pro scam artists, buy/sell this forum's accounts after using them for scamming. I fell for that trap few months back, I was so desperate to buy btc, wrote a post here and got tons of offers(via inbox) for exchange and most of the users are shared their skype, talked to many of them, no one agreed to use escrow or go first, so I went first (send the funds) and waited for btc which eventually never happened.  

Be careful of any offer to simplify something. It often starts that way.

Let me make it easy for you...
Let me make you rich...
Let me double your coins...
Let me show you how very easy it is to get btc for payoneer...

If you show interest, you will be invited to chat on Skype or somewhere private where the scammer can scam you undisturbed.

If the offer is a P2P transaction, do not forget to use escrow. A list of trusted members here offering escrow services is on this link:

https://bitcointalk.org/index.php?topic=855778.0

Heed this advice and your money will be safe.

You can try Coinbase, it is a reputable exchange and it accept Visa and MasterCard payment but with lower limits.

Pick one project and all in. Your capital is way too low to diversify, in my opinion you may diversify later when succeeded on your one pick. On the other hand, when I was starting out I didn't bother asking people where should I put my money in, I did my best to research as I know.that non of these people can help.