Best exchange? I use polonix all the time.
Safe place to keep your investment ? Not ANY exchange, you'll lose it.
Top of the line for the price: the Ledger Nano S, and yes it supports XRP as well as any crypto that may make a good investment.
Their team work 24/7 to add wallets to the key. I can't say enough about them and the technology.
They are just getting over a bump trying to add monero (XMR) as it's so untraceable, but they will figure it out. Propbally already have.
Hope you the best. I believe ripple is a great LONG TERM investment. 1-3 years at min.
I've used changelly, but never with a credit card. I would think the fee's are reasonable to high. Just read what you're signing to before useing the service.
Get at 'em !
All good suggestions, and if the exchange is out of your neighbourhood, VPN in.