This isn't completely accurate - you can mine and MAKE money, it just takes a lot of money to get started and a lot of time. It's the same has trying to pan for gold on your own and make a living at it...it just isn't worth it anymore. You can find gold but not a lot. And it's that low ROI that keeps people from doing with with their PCs. Instead they use mining machines, specifically configured to conduct the processing needed to complete the algorithms.
Man i`m really bored of newbies asking always the same question. And no disrespect to you but it is annoying.
No shit, it's like these people don't bother to read anything on the forum to learn before they ask questions. But I guess their questions are our personal gain...
But thats not good isnt it. If the ROI is not in a few months then you are basically getting back your own investment, and not making profit for months.
If you were to get a 50,000$ loan to buy ASICS, then you would need years to ROI that, with a lot of risk too, and by then the profits would really shrink as new and more efficient ones would come out for lower prices...
The only ones that make money are the bank you got the loan from and the ASIC manufacturer.