Kiplinger

4 Legal Documents Everyone Needs on Hand

A family emergency involving a loved one, including a serious illness, can happen without warning. Lining up these legal documents in advance--and keeping them in a safe but accessible place--will save you precious time and unnecessary hassle.

Durable power of attorney. This document, which generally goes into effect immediately, gives you and, for about $60. But the better route is to use an estate-planning lawyer. A lawyer will make sure the form conforms to state law and is properly executed.

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