DEAR HARRY: Our sister was extremely ill for the last seven years. During that time we tried very hard to have her make a will, but she would respond, "Are you trying to put me in my grave?" She did absolutely nothing. She would not even tell us where things were or whom she dealt with at her bank. Well, she died a few weeks ago, and we're going crazy looking for things. We just discovered that she took out a $50,000 loan four years ago. We have zero idea of where that money went or if some of it is still invested or available. It was even a nuisance to get our older sister appointed as administrator. All of us are now trying very hard to get things in order and get wills prepared. This was a rude wake-up call. Incidentally, she would not even pay attention to your advice on this.