DO-IT-YOURSELF WILLS

These computer options are legal and easy to use. Just remember to have your final version signed by the required number of adult witnesses (usually two), then store it where others can find it. However, if your situation is more complex, such as a child with special needs or a net worth large enough to trigger estate taxes, you'd be wise to consult an expert.

Itsmylife.com: Created by a husband and wife, this online resource is easy to use and thoughtful, guiding users through some difficult choices they may need to make. Includes options for writing personal letters to children and determining how you envision your funeral service. Big bonus: Allows revisions for up to one year. $19.95.

Quicken WillMaker Plus 2008: This software package is fast and direct, allowing users to create a will, living will, living trust, financial powers of attorney and final arrangements. I got confused, though, by some of the terminology. What's the difference again between a personal guardian, a property guardian and a personal representative? $40.

LegalZoom.com: A simple three-step process makes this online option fast, easy and affordable. The comprehensive will package includes advanced provisions and a "Peace of Mind Review" by a legal specialist. $69.

GAIL ROSENBLUM