Every individual and every couple should have Wills, Living Wills, Durable and Healthcare Powers of Attorney to protect your loved ones from unintended results in the way your property is divided at your death, to avoid unnecessary costs of court appointed guardianship if you have mental incapacity and unnecessary expense of estate administration, and to make sure that family members, doctors and hospitals know your wishes concerning whether your life should be maintained artificially by respirator and tube feeding if you are in a permanent state of unconsciousness or are terminally ill.  Such documents are surprisingly affordable, and will prove the old saying: “A stitch in time saves nine.”