To mention the 'bank' thing! That is an area many folks overlook. It's critical to having things taken care of in times we really do NOT want to think about. Ok Call it a necessary evil that the medical professionals don't focus on, and at times, the legal guys don't think of! My DH and I found out the hard way w/his parents, one of whom worked with AARP seniors in tax and life planning.. Thought all had been taken care of in advance -NOPE that bank thing was the trickiest...and it's different from state to state.

Whoever you choose to be your agent? Be really truly sure that you trust them. It's better to pick a person in advance than to learn that your life and resources have been abused by a 'court appointed' stranger. It can and does happen.

WE should, tho we don't want to?, choose while we can what to do about ourselves and our futures now. Not, when we can't speak or worse.

Planning avoids the worst of the problems, and then things can be decided for us in a way far more the way we want them! ' s to all! - j