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Well, think mining coins as an investment. It's a bit risky, but who knows maybe worth on the long run while the difficulty is not too high.
I think building rigs is the way to mine, playing with our desktops is just for fun.
If i understand correctly a mining op now need a place, electricity, some cooling and a few tousand dollar worth of hardware...
I just don't know if it's too late or not.
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