How much do YOU think YOU need to retire? ...and at what age will you (and spouse) retire? (Part 1)

@Iglooo
"Currently, there are only six U.S. states that collect an inheritance tax: Iowa, Kentucky, Maryland, Nebraska, New Jersey, and Pennsylvania.

Each of these six states has its own separate laws dictating who is exempt from the state inheritance tax and who will have to pay the tax.

Regardless, for an heir to be potentially subject to a state inheritance tax, the deceased person had to either have lived in a state that collects a state inheritance tax, or owned real estate, had tangible personal property, or, in some states, owned business"

https://www.thebalance.com/inheritance-and-state-taxes-3505471

@menloparkmom Thatā€™s a great link. How does it apply to a trust? Can you treat it like a resident of the state where it was setup? It would create a huge loop hole. Residents of states that collects inheritance tax could just set up a trust in CA or FL where they donā€™t collect inheritance tax.

you are going to have to consult with an estate tax / trust attney for the answers to your questions.

There must be a local law that you can setup a trust of a state only you are a resident. Otherwise, everyone can avoid state inheritance tax.

Maybe only six states with an inheritance tax, but 15 more with an estate tax, sadly.

Anybody seen this?

[Neuroscientists say daily ibuprofen can prevent Alzheimerā€™s disease](Neuroscientists say daily ibuprofen can prevent Alzheimer's disease)

This seems huge, but I donā€™t have a medical background. I didnā€™t see a lot of media coverage, just one link on yahoo. Hereā€™s a link to the paper:

https://content.iospress.com/articles/journal-of-alzheimers-disease/jad170706

^^Iā€™m gonna my to ask my Longevity doctor about this at my appointment in a few weeks, as it would be in her field of expertise.

My guess is that sheā€™ll say the test is valid, but the solution not proven. So people may or may not wish to know, if they really canā€™t do anything about it. But I sure hope the ibuprofen is truly a prevention.

All I was thinking when I read it is you might not get Alzheimerā€™s but you might trade that for a hole in your stomach.

^ Thatā€™s a concern, but I couldnā€™t find what kind of dosage was needed. If the amount needed is small, the stomach risk should be small. There may be other anti-inflammatories with less GI risk.

I really hope that saliva test pans out. If the results of that showed I was at risk for AD, I would take an NSAID regardless of the GI risks.

If youā€™re going to take something, for sure take baby aspirin every day if your stomach can handle it. Helps prevent blood clots, prevents something like 25% of strokes and breast cancer. I canā€™t believe how much the lack of taking that one little pill may have affected my families life.

^Is it because aspirin works as blood thinner? If so, wouldnā€™t tumerac tea be a safer choice?

Iā€™d actually check with your doctor before starting a daily low dose aspirin therapy. Itā€™s actually a treatment with some divided camps unless you are determined to be at risk for heart attacks.

https://www.mayoclinic.org/diseases-conditions/heart-disease/in-depth/daily-aspirin-therapy/art-20046797

^I would think you can say the same about Ibuprofen.

Nothing wrong with checking with your doctor, and certainly you want to be careful if you have stomach issues. But I would strongly suggest people consider baby aspirin if they are interested in having a lower risk of strokes, breast cancer or blood clots. Just some minor issues that could plague youā€¦ :open_mouth:

My 51 yo sister, otherwise totally healthy, threw a pulmonary embolism last week. It broke off from a clot in her leg. She and I both have Factor V Leiden deficiency, which we inherited from Mom. (My dad and other sister share a rarer clotting disorder. We all know what to look for. Mom and Dad have both thrown clots over the years.) My sister recognized the symptoms and went immediately to the ER. Docs told her had she not been taking her baby aspirin, she wouldnā€™t be here now.

If you have a family history of clotting, get tested for the deficiency factors. My oncologist laughed when I asked to be tested, and was stunned when I came back showing FVL. Even if you are asymptomatic, the aspirin could save your life.

I am so sorry about your sister, @CountingDown, but thank God she recognized it!

Iā€™ll bet many people have no idea they have clotting issues until it happens to them, sometimes recognized too late.

Another article in the retirement financial makeover series:

https://www.seattletimes.com/business/seattle-will-be-too-expensive-for-you-when-you-retire-longtimer-is-told/

This woman was advised to work longer and then move to a cheaper location.

So I talked to my Longevity doctor about this, because this is a strong focus of their interest. My doctor in particular is an expert in Alzheimers and preventing dementia, as they have a dementia prevention program. She started laughing when I was talking about the study, because she is very familiar with it. And she said that it is not proven, at this point, that ibuprofen can prevent Alzheimers, and they donā€™t recommend it because it can be very harsh on your stomach. Then she told me all sorts of detailed technical stuff that went way over my head!

Anyways, one thing they are going to do for me is run APO-E genetic testing, to see if I am at high risk for getting Alzheimers. My husband is very lucky, he is at extremely low genetic risk.

Did she say anything about the saliva test?

You know, I didnā€™t ask her about getting that, I donā€™t know if itā€™s offered there. And now I donā€™t know if for sure if I want to know that much informationā€¦because that test pretty much confirms youā€™ll get it, right? Tough call.