You must be from Europe. Most of the world has some pretty insane ATM fees. I am not sure why there is no such thing in most of the EU but that is the exception not the rule.

Could be heat? have you got fans blowing on the miners?

The best way is signature campaing ora trading. Trading is a bit more risky but if you are good you can make good cash 

I'm sick of this snake-race. Difficulty goes up - difficulty goes down. So what. This is how things go. I could make tons of predictions, every single one would be right someday.

What's more important to me is that the system is kept alive. And this only happens if there are enough private miners. I'm sure the Big Boys know this, and I'm sure they have the possibility to scale down the hash rate as well as they can put it higher.

And if someone tells me "Why don't you buy Bitcoins instead", my response is: I'm not mining only for making some profits, I'm also mining for keeping the system alive. It is - amongst many other things - a political statement, too.

Well you can only do it for one year. Your cost for the next year will include any loss the company took this year.

I think real choice for miner is now invest more in cloud mining. Hardware mining is profitable only if you got great hash power or free electricity. Lately mining services like GAW's Hashlet are really making mining easier for most of us. I would rather invest in that than worry about electricity bills and management of hardware.