It is coined "the lost decade" in reference to this, as in 10 years of lost recruitment and training.

Rule of thumb: traditional if current federal marginal rate is 22% or higher; Roth if 10% or lower, or if MAGI is too high to deduct a traditional IRA; flip a coin otherwise.

@George Kopp - You're right, looks like I came at this from the investor angle whereas Carlos was asking about the flip side of the coin...regardless, yes, the webinar is still super relevant and will offer a lot of insight into what investors seek in an agent.

On the other side of the coin, if you wait, then eventually someone will pull a title report and will redeem, and you will earn more money due to the passage of time and the 12% per year interest.  

(i.e. the impact on IRR of the various tax treatment of dividends, capital gain, rental income, preferance deductions, etc).Changing direction a little bit here... we have covered much about IRR or Rate of Return, and CoCr, but not so much about the other side of the coin which is "Risk", so the rest of my post invites you to go into the subject of Risk.

I have coin op units in one of my duplex buildings.

My bank can refinance at 70% of appraised value, so at $70k less closing cost, I'll have enough coin to take the kids to Chucky Cheeses (if it ever opens) and have an income producing asset for ZERO out of pocket cost.

@Sergey Somov - There are always at least two sides to a coin.

I have always been an entrepreneur and it runs in my family.When I moved into real estate about a decade ago a friend had a developer approaching them to buy their old coin laundry store they had inherited from their mother.I went to the developer and analyzed the contract they wanted to use and found every single out in the contract.

Do you have onsite coin-op laundry for your tenants?