The best site right now (in my lazy opinion) is
qbittorrent is the best client these days. uTorrent went and did some bad stuff that I can't remember off the top of my head.
You should really get a VPN to keep your isp from bothering you about it. I use Private Internet Access (PIA) because it's relatively cheap, has port forwarding, and doesn't store any user data.
That's the basics. Happy sailing matey. Remember to seed to a ratio of at least 2!
I don't think anyone would let me use my skills as collateral to take out a big ass loan to buy some new skills while I rent out my skills for others to use while I sit on my ass getting richer just because I own my own skills.