Major documents every homeowner should create

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DEAR BENNY: My aunt, age 83, has no other living relatives than my sister, my two brothers and me. She is completely reluctant to make out any of these documents: a last will and testament, a durable power of attorney, a power of attorney for health, a living will (advanced health-care directive) and a power of attorney for financial matters. I believe she should have them all. Could you tell me the consequences of not having each one of these? I'm fearful that when she fails, or is debilitated, it will make it even more difficult for us to do the right thing. Maybe, if she sees your answer, it will get her to make a decision. --Eileen DEAR EILEEN: You can lead the horse to water, but you can't make it drink. You can make recommendations to your aunt, but only she -- assuming she is competent -- can make the final decision. Let's take each document:  Will: If your aunt dies without a last will and testament, the laws in your state (called "intestacy") will di...