Also if your in a market were EM money is traditionally small ... use a big EMD to make your offer stand out..

Carlos,Do not send EM with every offer.

Carlos,Do not send EM with every offer.

After I dropped out, I soon established a small web design company generating around £20,000 ($30,000) a year after only 9 months. 

We do apologize for web site and are currently working on it.

After I dropped out, I soon established a small web design company generating around £20,000 ($30,000) a year after only 9 months.

., This is the best forum of real estate help I have found on the web.

Additionally, in most markets contracts are contingent upon financing if they they fail to qualify the buyer is entitled to the return of their EM.

has anyone ever done a web search on themselves?  

@Sandy UhlmannThere are a lot of factors that go into making such a decision, such as your age, the expected return on investment, current income & tax rates, expected tax rates in retirement, etc.Generally speaking, the longer you will have the account and the higher the rate of return, the more likely you will achieve the desired result, which is access to more after-tax cash in retirement.There are many good calculators out there on the web that can help you get a rough idea of the concept, but a conversation with a licensed professional who will help you look at all of the short term and long term variables is the right way to go.A basic consideration is that the distributable amount in the converted Roth needs to equal or exceed the after-tax distributable amount of the traditional IRA + the personal cash you use to perform the conversion.Converting before the account starts producing higher returns can be to your advantage.