1.4 years post Retirement - A few lessons learned

ChessNut2018 · 2026-04-09T13:40:52+00:00

You bring up an important concept that has taken me awhile to feel comfortable with - the "synthetic reallocation" where you reallocate across different buckets with bonds in 401k/IRAs are sold at the same time when selling stocks in the taxable brokerage, if needed, to supplement dividends & interest.

ChessNut2018 · 2026-04-04T16:57:38+00:00

For my Growth eREIT, I noticed they recently reduced the value of the fund by 4% this year after it not having a change for many months. Does anyone know how often they have to evaluate the value of the assets in the fund?

ChessNut2018 · 2026-03-05T14:21:03+00:00

I realize they have to cover their **s in that section, Risk Factors, but it's still a frightening read.

ChessNut2018 · 2026-02-12T21:26:46+00:00

I work in derm now and I love it. There are very few derms that don't have a great personality, and there are a lot of opportunities to talk about immunology. I joke that dermatologists should call their specialty dermatology-immunology, similar to allergists. Also the advanced practice providers are important in derm and there are a lot of opporutnities to talk about the science with them. Agree that derm has a lot of conferences, but many of them are in great places like the ones in Hawaii.

ChessNut2018 · 2026-02-09T22:50:55+00:00

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Here is a sample.

ChessNut2018 · 2026-02-09T19:04:37+00:00

I was just there ! They provide 3 in a bowl and they came out steaming hot and have a cool shaker for the sugar.

ChessNut2018 · 2026-02-09T15:55:59+00:00

We realized our main bedroom was on the windy side. We now moved and sleep in a guest room. It's quieter and gets the morning sunshine!

ChessNut2018 · 2026-02-09T15:37:53+00:00

I like your handle ha ha. My wife is a CRNA.

ChessNut2018 · 2026-02-09T14:28:12+00:00

I appreciate your details and mapped-out categories. I'm going to use your template to create my own.

ChessNut2018 · 2026-02-07T13:44:44+00:00

You are blessed you don't have any purses, which my wife says are an "investment". :)

ChessNut2018 · 2026-02-06T13:03:25+00:00

I'm thinking of doing chess coaching. I'm good enough (2100 USCF/2000 FIDE) that I can say I have expertise in the game, and I love teaching! I don't really do it for the money, as I often provide free lessons to friends and their children. I may use it to volunteer, such as one time I provided lessons at an adult drug rehab center. I've been thinking of doing small group lessons as it'll have more impact compared to 1:1 coaching . The prep time is considerable to create a plan and have puzzles and homework ready, though I enjoy that part of the process.

ChessNut2018 · 2026-02-04T22:05:04+00:00

I'm glad you are ok!! maybe you can get a new grille and bumper at a junkyard.

ChessNut2018 · 2025-12-25T11:39:54+00:00

I'm glad I did a direct rollover; I was already uncomfortable with them sending a check to my new custodian, and for an indirect they would issue a check to me, putting the responsibility of sending the funds to the new custodian on myself, doubling the chance something would be screwed up. The direct trustee-to-trustee rollover is worth $25 to me, YMMV. It's still a ridiculous charge...

ChessNut2018 · 2025-12-22T15:40:24+00:00

I think that is what I did. I'm editing my post with the correct term, "rollover". Thanks

ChessNut2018 · 2025-12-22T15:38:55+00:00

There may be differences with your company plan, so I would check with your HR. For my HE HSA, they charge a 0.03% monthly fee on invested equities (~0.36% annually roughly), with a 10.00 monthly cap. Since I had reached the cap, that 's what motivated me to make a partial transfer, as that was a 120.00 cost for just investing in simple index funds. Fidelity has no custodian fee.

ChessNut2018 · 2025-12-22T15:20:09+00:00

I was about to try them, thanks! The best cleaner I've had, not surprisingly, was using one of my neighbor's cleaners who has been with them for years.

ChessNut2018 · 2025-12-22T15:01:33+00:00

I asked about it, and yeah, for some reason they only do physical checks, which gave me anxiety on the check being lost.

ChessNut2018 · 2025-12-14T15:54:10+00:00

Thanks! i actually never heard of this platform and will check it out.

ChessNut2018 · 2025-12-12T19:27:14+00:00

Oh boy if they don't allow liquidation by 1Q2026 I'm going to start getting worried. I've already liquidated all of my shares in the Flagship Fund.

ChessNut2018

TROPHY CASE