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There's a very useful mining profitability calculator here: http://mining.thegenesisblock.com/

If you plug the numbers in you'll see that to all intent and purposes, private mining for BTC is now useless unless you invest in a USD$5K+ ASIC mining rig and even then the rewards are not guaranteed as the overall network difficulty (how hard it is to find a block) keeps jumping every few days (see http://bitcoindifficulty.com). Basically, you'll end up underwater if the value of BTC drops from its current high.

I also missed the BTC mining boat and instead have decided to mine Litecoin (working on the assumption that a rising speculative tide floats all ships).

Litecoins use a different hashing algorithm (scrypt) which is designed to prevent a mining arms race and keep it feasible for CPU miners to continue finding blocks.

I joined the liteguardian.com pool 5 days ago and have three servers mining (each has an Intel Xeon CPU E31245) and I will have made 1LTC tomorrow. At the moment 1LTC is trading at just over $40. It was $6 a week ago.

Another option which I discovered yesterday is http://www.kraken.com - they appear to be a fully fledged FX platform that allows margin/leverage trading on BTC. Risky though unless you know what you're doing (I don't).

Edit: have just sent you an invite to the liteguardian pool in case LTC mining interests you.




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