It is not about HOW but it is about why. We should select options that we know we can stick with and got sufficient benefits, as that is ONLY way forward towards getting us to the major zone of rewards.
CircleNet is one upcoming ICO that truly set sights on this.
With not just the common thing but their Lending program, this offers HIGHEST rates in the industry up to 48% per month. But their affiliate program is no less! All this makes them the GO TO thing.