After leaving your current job, you have up to 60 days to decide what happens to your retirement savings. Otherwise, your savings transfer automatically to another retirement account. In most cases, employers have clear guidelines indicating what you can do with your 401(k).

There are a few things to remember when you go to rollover your 401(k) from a previous employer. If your previous employer disburses your 401(k) funds to you, you have 60 days to rollover those funds into an eligible retirement account. Take too long, and you'll be subject to early withdrawal penalty taxes.

To qualify for a FIDE Master (FM) title a player must achieve a FIDE Rating of 2300 or more. Candidate Master (CM) is similar to FM, but with a FIDE Rating of at least 2200. All the titles listed above are open to men and women.

It is by far mostly made. Chess is no exception to hard work paying off. Every single professional has spent the majority of their life studying the game, equivalent to tens of thousands of hours of pure work. If I were to quantify this, I would estimate that it is something like 90% made, and 10% born.