$66 per month is the gross amount. For a person starting today the return would be around 2-3 years. I expect the earnings roughly to be about the same monthly as the block reward reduces the price and network difficulty should increase.
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Thanks for your feedback. 2-3yrs; that is considerable time!
Yes, but its quite low risk compared to other means. The Hard Drives are reliable and will maintain their value much better than GPUs / Asics. Though I do also GPU mine and it makes a good profit when its done right.