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Coins I am mining are BTC, ETH, ZEC, EXP, CLUB. I use mining pools to do it. ROI's are not fabulous (certainly less than 5% per annum) but I like the way that coins grow independently of the way markets go.

I should start doing it but mining with a GTX970 would just spend more money on the electrical bill then i would get coins... wish i had a solar panel to power my pc xD

Mining pools via cloud or via hardware?

I am cloud mining through Bitclub Network (not available in US), Lifestyle Galaxy, Hashflare and Genesis-Mining.

My favourite is Lifestyle Galaxy.