I suggest you to avoid minergate and join one of the pools on http://monero.org/services/mining-pools/ (for example I'm on https://supportxmr.com) and user xmr-stack-cpu or another miner based on your hardware.
Minergate is know as a hash stealers from users pc.
Mining coins takes so much time - You are betting on a 6 month time frame. Using the current information you have.
Buying cloud mining is also a no no for me. 1 year contract is too long. Mining difficulty will make your contract less profitable. or even unprofitable.
Me too, I just buy and sell on exchanges. Better liquidity.
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