Everyone should have a will. They should have a will regardless of how much or how little they own. The most important reason to have a will is to appoint someone you know and trust to take charge of all of your property after you pass away so that it can be preserved, protected, and eventually distributed to those members of your family or your friends or charitable, religious, or educational institutions that you wish to benefit. A lot of your possessions may have no market value, but they may have a great deal of practical or sentimental value to family members or friends. Think of photo albums, framed photos, letters, records, minor jewelry, clothing, books, yearbooks, diplomas, baptismal and confirmation certificates, medals, diaries, and family heirlooms. If you don’t appoint an executor in a will, a probate court judge could appoint a complete stranger to administer your estate and dispose of all that very personal property. In fact, he or she could simply throw it all out. So a word to the wise: Make a basic will. It doesn’t take much time or money, it can always be changed or expanded, and it will give you peace of mind.