Ode to the Gardener – Important Life Lessons

April 8, 2014 | Julie Hall

Not so long ago, I stood by my father’s side witnessing the ever-advancing damage of dementia. I knew deep inside that our time together was growing short from a cognitive perspective, but I never once took into consideration that he, himself, would be taken so quickly. Dad was a Master Gardener who dedicated his life to understanding the soil, composting, plant diseases and cures, etc.

Dad volunteered 20,000 hours of his senior years teaching children in elementary, middle, and high schools how to nurture and grow vegetables, how to be more self-sufficient, how to be responsible, how to be part of something bigger than yourself. He also went into prisons, as he wanted to give them a sense of hope and accomplishment. Dad was sent a gold lapel pin award from President Bush, honoring his 20,000 hours of volunteering, and he was so proud of that pin.

When dad and I were in the garden together, he used to say there was no therapy better than sticking your hands in the earth and being a part of nurturing a plant to maturity, taking a back seat to mother nature, of course. Little did I know, I would inherit his love for gardening and his green thumb as well.

There are many life lessons to be learned from gardening. Below are several listed from Adam McCane’s site, which I really like; I just tweaked them a bit for purposes of this blog.

What you water grows. This simply means that we need to pay attention to ensure we are watered throughout life. It is the most basic need we have, for without it, we would perish. So will our plants that feed us, if we don’t take care of them or the earth.
Weed regularly. Weeds are deceptive. You won’t notice them starting, but before you know it, they are choking out your veggies, stealing water and nutrients from your plants, and reproducing. The rule in the garden is simple: If you see a weed, pick it! The same is true for life. Weeds and other “undesirables” have a way of creeping in on us. We need to be mindful that we do not need any weeds in our lives, literally or figuratively. Get rid of them and don’t feel bad about it. All of us are tired of dealing with the weeds!
Sharing the harvest. It’s all about abundance, whether you are sharing veggies, flowers, time, care, love, etc. Share what you have an abundance of and pay it forward. It always finds its way back.
Plant in the right season. For everything, there is a time and purpose. Sometimes, it is beyond our understanding. I believe we reap what we sow. Maybe it’s time to plant better, more productive things in our lives. Feed your spirit by allowing only good things into your life now. If you see things rotting, infested, etc., you will need to tend to them by getting rid of them, or proactively healing them. TIme and nature will tell you which one it will be.
Space is required for growth. It’s hard to imagine how much room a vegetable is going to need when you grow it from seed or buy a seedling that is in a 5-inch pot. Sometimes they grow so fast and thick, they can choke out other plants. Giving a plant plenty of space is important for the health of the plant, so it receives plenty of sunshine and nutrients. Providing this space will ensure our plants will be healthy, productive, and have plenty of breathable space. We need to do this for ourselves and give that gift to others too.
Pruning is necessary for abundance. Cutting, pinching, or picking off dead leaves, branches, poor or weak fruit is necessary for the growth of the healthy fruit. Vineyard pruners do this every day. They know exactly how to cut the vine to promote healthy grapes. While it may look harsh to see so much being removed, it gives the healthy portions of the plant more nutrients to produce the best fruit. Sometimes, we need to look at ourselves the same way and learn how to prune ourselves by letting go of things that no longer serve our well-being and our highest good.

Dad’s old garden hat is still hanging next to mine on a hook in my laundry room. Every time I head out to the garden, Dad accompanies me in spirit. I kept his watering can, his old worn leather gloves, his t-shirts. Those things were my father and how I remember him best. I can still hear his voice guiding me in the stillness of my own vegetable patch. Much of his advice to me through life also applies to the lessons of raising a successful garden, whatever “garden” we may be cultivating at any given time.

Julie Hall, The Estate Lady®, is the foremost national expert on personal property in estates, including liquidating, advising, and appraising. http://www.TheEstateLady.com She is also the Director of American Society of Estate Liquidators®, the national educational and resource organization for estate liquidation. http://www.aselonline.com.

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Franklin Got the Mint – Susie Got the Shaft

April 3, 2014 | Julie Hall

Meeting with a mid-age female client this week was an eye-opening experience. Her mother was still living and in a facility, and the daughter was in the midst of starting her life over again in her 50s. The daughter was struggling because her mother was financially strapped; the daughter now supports the mother and the heavy costs of her ongoing care. Facing unemployment herself, she is carrying a burden of monumental proportions.

I was called over to her home to see if there was anything of value that could be sold to keep up with the costs of mom’s care. The daughter’s home was filled with Franklin Mint, Bradford Exchange, Hummel collectibles, Lenox collectibles, Fenton, and any other collectible you can think of that today has very little value. Never mind, these plates cost $39.95 each or more, at the time mom bought them all for her daughter. On Ebay, they sell for $3.99 if they sell at all these days. All of the companies mass-produced these items and mom thought that her daughter could retire on them one day, because she was certain they would be extremely valuable.

Mom spent all of her money on these things that are not only undesirable on the market to most, but they have also cluttered up the daughter’s home. You could see the anger and sadness on her face that “mom bought all of this #*&@# and now she’s broke.”

“Do you have any idea how much money she would have today if she didn’t buy this stuff? Now I can barely make ends meet with her expenses and mine, and I am worried I will get laid off.”

I am not blaming the companies, but it’s worth saying that I see this frequently. They were incredibly smart with their marketing and everyone in mom’s generation felt these collectibles could only go UP in value. But let’s look at it from this perspective … If it’s such a great deal, why would they let tens of millions in on it?

Mom had the best of intentions but she just kept buying against her daughter’s will. The daughter asked her to stop and she didn’t. She bought all of it thinking her daughter could retire on these items one day. Instead, her daughter is working very hard to keep her mother’s care afloat, and having to make grueling decisions on putting mom in a place that offers less care, less amenities, less enjoyment, less everything. This too weighs heavily on the child. The best of intentions went sour in this case.

Moral to the story: If it sounds too good to be true, it probably is. Stick to what you know; stick to time-tested sources of wealth preservation, such as jewelry, gold, silver, etc. Always use your gut instinct and stay away from the TV shopping channels. If you want to leave a powerful legacy for your children, make a plan for your future and set an example for them to follow, when they get to that point in their lives. The best gift a parent can ever give a child is a well-thought out plan for the final chapter in their lives.

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Failure is Just “Redirection”

March 25, 2014 | Julie Hall

Working as a mentor for many in the estate industry, I am often confronted by questions that are not always easy to answer. Just this week, a newcomer to the industry commented that she forgot an appointment and lost the job to a competitor, feeling she had failed at the task at hand. Another called to tell me he is failing miserably at his current occupation and has no passion for it any longer. Even my teenage daughter has struggled with English at school; anything having to do with words and putting them together makes her feel she has failed.

Failure is a terrible word. It can crush the spirit and make us feel small. It permanently mars our confidence level and will have great impact on how we view ourselves now and in the future. I always go back to my theory on planting trees, and the same goes for raising children. If you are going to plant a tree, plant it straight. If you plant it crooked, so the tree grows. I think we are not so very different from trees.

There is not one among us reading this now who has not felt the sting of failure or the tears that accompany that sting. But here’s the thing we need to remember.

Failure is not a bad thing. A “failed” relationship is a sign you need to go in a different direction. “Failing” to get a job, because you accidentally forgot your appointment, may have been a blessing in disguise. Failing at your current job just means you need to find something to do that you love and you will succeed at it.

Failure is a great teacher. It teaches us what we do not want, and this is vital for personal growth. I remember many years ago, I dated a man who was absolutely the wrong kind of guy for me. It ended miserably. He commented later on, when I ran into him, that I must be very disappointed or angry. I simply replied, “Actually, I thank you. You were a wonderful teacher. You taught me what I didn’t want.” He probably thought I was crazy, but I meant it. Because he taught me such a valuable lesson, I knew from that moment what I did want, and I went and found it.

If you feel you are failing at something, you need to take some time to reflect, redirect, and move forward. We need to go inside with our dark thoughts, face them head on, and turn them around to our benefit. If you keep doing the same thing over and over again, and remaining miserable, isn’t THAT the crazy part? I think it is normal to be fearful of change, but if you don’t do it – if you don’t take that risk – you’ll never know what you could have been.

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Is There a Pot of Gold at the End of YOUR Rainbow?

March 19, 2014 | Julie Hall

Most people reading this might be quick to respond with an emphatic “No.” However, I beg to differ. I suggest we give this a little thought before we jump to that conclusion. Not all of us have the luck of the Irish, win the lottery, or find a treasure trove of buried gold coins, as in The Count of Monte Cristo. But according to a client of mine who is 101 years young, we have much more than that.

Ask Herb if he is blessed and he will say with the vigor of a 20 year old,

“My goodness, yes I am! Just look at me; I am vertical and that means it’s a good day. I have air in my lungs and the sun on my face; I’m happy because I know where I’m going after this place.”

What an inspiration!

Ask him what “success” means after living 101 years and he’ll simply say,

“Success is faithfulness. Faithfulness to your God, faithfulness to yourself and to your loved ones. It’s being faithful to your business and anything else you touch. In the end, money doesn’t matter much because you can’t take it with you. Success is making the most of what you have and using it to help others. Whether you have a lot or a little, you just live in such a way as to make a difference. You never know whose life you are going to touch.”

There you have it. I was officially given an attitude adjustment while sitting there with Herb, and now I’m passing it along to you. It’s easy to get down or stuck, especially if you listen to the news and see what’s happening to the world around us. How about listening to your heart for a change? Try volunteering at a shelter and see how some really live, or help homeless animals, or kids who are troubled, etc. Do something to make a difference, like Herb suggested.

Every day, I see people wrapped up in personal possessions: furniture, crystal, china, silver. Every day I see people fight over these things that they can’t take with them either. And sadly, every day I see people fight so viciously that they never speak to siblings again.

For what? For nothing!

Because in the end, they live with regret, and regret is a thief. A thief of your time, energy, thoughts, and your spirit. It just isn’t worth it.

Herb is right. In the end, none of this matters, except good deeds and the knowledge that you have lived each day in such a way that made a difference. That is something I believe we take with us always.

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

5 Minutes

March 13, 2014 | Julie Hall

In the span of a 24 hour day, what’s 5 minutes? It’s grabbing a quick snack before you head out the door, feeding your cat, texting your best friend, or checking your email. In the grand scheme of things, it’s certainly not much. Our lives are so busy; we barely notice. But often, they are full of things that are mundane and perhaps not all that important; they simply keep us busy. That 5 minutes comes and goes without a care, never to be experienced again in quite the same way.

To some people, 5 minutes is an eternity: a soldier who sees their life flash before their eyes, a lady waiting to find out if she’s pregnant, a young child waiting for Christmas morning, or holding a loved one’s hand while they’re dying.

If you were given 5 minutes to do, or re-do, anything you wanted to, any time, anywhere, or any place, what would you do and would you do anything differently?

If I had 5 minutes, just 5 measly minutes, for a chance to do anything I wanted, I would choose to visit with my mother again. Throughout the course of our lives, she and I talked a lot about a lot. I was the last person to talk with her before she passed suddenly, and our parting words to each other, without knowing she was going to die, were simply “I love you.” But if I had that wish and just 5 minutes more, I would have told her exactly what she meant to me, how blessed I was to have known her and have her as my mother, and that I would do everything I could to live by her kind and caring example. Everyone loved Anne. She was one of the nicest people on the planet and my world lost its color the day she passed.

I would do all of this, if I had 5 minutes more with her … complete with a long and loving hug. But I don’t have any minutes with her anymore.

What’s 5 minutes to you?

Is there someone in your life right now where 5 minutes (just 5 tiny minutes) could heal your life and theirs? Take the 5 minutes I no longer have and do something really good with it.

It is a gift!

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Things We Find Left Behind

February 25, 2014 | Julie Hall

Treasure is in the eye of the beholder. What one person holds dear, another wants nothing to do with. This is true between elderly parents and their middle-aged children, and even grandchildren. The Depression Era generation doesn’t let go of much. They take great pride in their possessions, especially the ladies with their ornate silver plate pieces, painted china, and etched crystal that they cherished in another time and place.

We find a ton of handwritten notes intended for those left behind. We find them tucked inside vases, taped to the back of china or paintings, taped under sculptures and figurines. We find loose notes in desk drawers. Sometimes, we even find the notes laying right where the author left them before being struck with infirmity or death.

These notes are meant to guide the loved ones after their death and they often include a myriad of information: the history behind the item, the name of the person they are leaving it to, and my personal favorite … what they think it is worth. Many of these notes have yellowed with age and some are barely decipherable. To complicate the matter, this particular generation has a tendency to change their minds frequently, often creating multiple notes with mixed messages (probably depending on who ticked them off most recently – according to the children who read the notes). It is also possible they may forget and start all over.

Here is an example of one I just found:

Dated 1977

“In my antique chest, with the items I intend to give to Susan and Ralph. Top shelf – “Boy and two goats” Royal Copenhagen figurine and female Hummel. – $2,000 value

Second shelf – Royal Doulton Toby mugs and Hummel plates – $1,800 value

Third shelf – Carlsbad, Austria dish and crystal duck and cat – $300 value

To Robert and Sylvia – In the hutch – the smaller Hummel figurines, Venetian glass fish, crystal candle holder and small Royal Doulton figurine. – $1,500 value”

The list is quite extensive and goes on for a long time. Here’s what we need to know from this story:

These items were never distributed.
They were never distributed because no one wanted them.
They ended up in my hands to sell for the family and they will split the proceeds.

Do notes help? I think sometimes they do, especially when they offer personal history and IF you want to keep these items. Notes can also be removed or taken by unscrupulous heirs-to-be, and often we find more than one version of their notes, which claim different people can have the same item.

How do you handle that one? You write a formal addendum or document to place with your Will or Trust, and make sure there is only one copy, not multiples. Ask your attorney how to do this. Better yet, consider giving it away or selling these items, if the children don’t want them, before any of this takes place.

From my experience, many times the intentions of these notes are never carried out.

You can have the best intentions but if they are not carried through, it’s a moot point.

If you want someone to have somethings special of yours, give it to them while you are still able to do so.

Somewhere along the line, we have to break the habit of waiting until someone is “gone” to deal with all of this. Granted some people prefer it that way, but more and more, we are seeing a trend of people giving away or selling their items before they pass, to make it easier on their loved ones left behind.

Personally, I think the best notes we can leave behind are thoughts of joy and love, and not necessarily who gets what and how much items are worth. My favorite “possession” from my late mother is a letter she sent me stating how proud she is of me and how I have chosen to serve people, and may God bless me abundantly for doing so. It is a deeply personal note and one that I will always cherish. I would gladly let go of the material stuff I inherited from her, for this one note and memories of happy times. That’s the REAL inheritance!

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Concern and Worry can Wear on You

February 12, 2014 | Julie Hall

Many of my clients are concerned about the state of our economy. I am worried too, and I’m betting some of your wheels are turning constantly. In the midst of uncertainty, it is only natural to feel off-balance and a bit insecure. It’s hard to make solid decisions when so much is up in the air.

Clients need guidance determining what to keep, sell, or donate at a time when the secondary market is so poor. How do you go about getting top dollar for an heirloom in an economy like this? You don’t, unless you have something incredibly extraordinary and high-end that people are willing to dig deep into their pockets to obtain.

Some will decide to hold on to possessions, often going to the trouble and expense of storage; I don’t think that’s a viable option. They think the longer they hold onto it, the more valuable it will become. Most of the time, the answer to that is “not necessarily so.” Storage will eat up and surpass the worth of what you put in there. If you don’t move it into your home right away, I don’t recommend storage. That’s a sign you don’t need it.

Others want stuff gone immediately and sold, never to be dealt with again. They sense the economy will get worse and not improve. They feel it’s better to get what you can now, then nothing at all when things really get rough — if they get rough.

All of these different ideas, opinions, and theories everywhere you look, yet they all have one common denominator: concern and worry. It can really wear on you too, if you’re not careful.

Here is another excerpt I found from my late mother’s writings. It lead me to write this blog, because so many of us are in the same boat. My mother may have read it somewhere and liked it so much she copied it. I hope you find it as inspirational as I did. How did she know I needed to hear these words? Maybe you need them too.

“When you come to the edge of all the light you know, and are about to step off into the darkness of the unknown, faith is knowing one of two things will happen: There will either be something solid to stand on, or you will be taught how to fly.”

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Surely, You Jest!

February 4, 2014 | Julie Hall

As you can imagine, I receive all kinds of emails searching for answers, needing guidance, and some which also center around “How much is my stuff worth?” But every once in a while, I get an email that just about knocks me off my chair. Here’s a sample:

“Everything I own is very expensive and worth a fortune. I know this because I pay a fortune for quality. I have unique and very expensive collections, including a large assortment of cut glass pieces. All of these currently sell on E-bay for high amounts and a lot of them could sell in the $1,000s. I also have a collection of collector plates that are worth several thousand dollars. I have a Hummel collection worth at least one thousand dollars. I have a shoe collection worth thousands of dollars. I have several other smaller collections that are worth thousands. Even my older furniture is worth thousands. Can you sell them for me?”

Surely, you jest! While I always do my best to assist and even educate my clients so they can empower themselves to make the right decisions, there are some people I just can’t help. They won’t or can’t accept the whole picture. This person is one of them.

Despite my best intentions, you just can’t squeeze blood from a turnip. The market will bear only what it will bear, and their cut glass or shoes or Hummels are really not that much different from the rest of ours. It is unfair to apply this kind of unreasonable thinking and pressure to a professional in the industry, who can only do their best in a very soft market. Often the blame and complaint lands on the estate professional, when in reality we have done our best, and our best just wasn’t good enough for the client. Some of this will fall back on how well we discussed “expectations” of what things will sell for.

Other reasons for the motivations behind selling are numerous. Perhaps this person needs immediate financial relief from the sale of those items. Perhaps the person is not well. Maybe they really do believe their things are worth a fortune because they paid so much for them. As you’ve heard me say before, what you paid for something means nothing now. If I invest several hundred dollars in designer shoes, in the end, they are USED SHOES, designer or not.

Perhaps she doesn’t want to see it, but I wouldn’t be The Estate Lady® if I didn’t reply with my usual flair. So, I gathered my senses, did some sales comparables online which I could share in the form of “SOLD” prices, in easy links they could click on. I wanted to show them ever so politely, that their things were not worth what they originally thought. They are not selling for thousands. They are selling for $25, maybe a little higher or lower. I get the feeling they didn’t like that.

It took me a lot of time to find and send that information to them; I never heard back from them. I guess they just weren’t ready to hear what I had to say. I silently lifted up a quick prayer that no matter what challenges they were experiencing, someone out there could be more help to them than myself.

Unfortunately, someone like that will never change their thinking no matter how much proof is offered. Many years and ample experience have taught me they would only be upset with me, even if I did my very best.

I wish them well.

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Mr. Lee and Mr. McGee

January 30, 2014 | Julie Hall

When I close my eyes and remember the times with Mr. Lee and Mr. McGee, it doesn’t seem so long ago. In reality, it was over half a lifetime ago when these two older gentlemen helped sculpt me into The Estate Lady® I would eventually become. Way back in my mid-20s, I discovered quite by accident that I had a knack for buying and selling antiques. While it was a risk at such a young age, newly out of college and on a strict budget, I decided to commit to renting a booth in an upscale antique mall for six months. It just so happened it was their upscale antique mall.

As each week passed, I noticed more and more of the items I was selling were gone from the glass case, so naturally I was thrilled they were selling. Little did I know that two of the owners of this vast and expensive mall were watching me. One day, as I finished putting more new items into my glass case, Mr. Lee and Mr. McGee approached me and asked if we could talk.

As an extrovert, I rarely meet a stranger, yet I was intimidated by these two who had accomplished so much in life. Both had been in the business over 40 years. Both were successful; both knew so much. Here I was, knowing very little, being steered by gut instinct only, and feeling like a little mouse wondering what they could possibly want from young, inexperienced me.

They took me to their finely furnished office, offered me a beverage, and watched me squirm in the big leather chair. You can imagine the thoughts racing through my head! Mr. Lee was a kind older man, born in Hong Kong, but raised here in the United States. Mr. McGee was an older southern gentleman. They began the conversation by complimenting me on my booth and wondering where I found my treasures. After a nice and comfortable time together, they sincerely took me under their wings and shared some invaluable insight I will never forget, that I would like to share with you.

Here’s what they said to me:

“Kid, you were born with the eye. Very few people are born with this gift. So when you go out into the world and use it, you need to use it well and earn it. Much will be asked of you through the years and you will be tested at every turn. But always remember to walk a straight line. If you can walk this straight line, people will talk about you. They will refer others to you. They will love you for what you can do for them, because they are completely overwhelmed. Remember this conversation because it will make your or break you.”

Now in my 50s, I think back to that time and realize that little meeting with them was a tremendous gift to me. A gift of guidance and affirmation. A gift of direction and how I can serve my clients. Hindsight is an incredible thing when all the pieces click together. They were right on all accounts. Much has been asked of me in the last 25 years, and I did my best to always deliver. Temptation is everywhere, but I steered far away from it. Honesty and ethics are always at the forefront. Because so few possess it, I stood out among them. Old fashioned and 19th century thinking? Perhaps, but it’s the secret to my success.

From that moment to this, I never forgot what they told me. Both of them are gone now, but they left an impressionable young lady with something she could never pay for, because it was priceless.

From the beginning of time, there has always been good and evil. In today’s society, we need to be extra careful of the professionals we select to help us, whether it’s handling an estate or remodeling a bathroom. Always look for someone who walks a straight line. Always listen for the good people say about them. Research these business owners who mean to serve you. Make sure they are credible, professional, and the cream of the crop.

Why would you settle for anything less?

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com

Things That Have No Place Anymore

January 21, 2014 | Julie Hall

In every home, in every estate of a deceased loved one, there are items we have to deal with that don’t seem to have a place with us anymore. Perhaps they are no longer useful, or the sentiment has worn off. Maybe there are so many items, there’s no way you can take them all!

After the family comes in and takes what they want, and some of the items have been sold or given away, there are always leftovers that can’t find a home. Old photos and slides no one wants. Brittle college diplomas and certificates from the early twentieth century. Ancient textbooks on everything from WWI nursing to social etiquette to typewriter maintenance. Old tax returns that need to be shredded and magazines and catalogs that weigh a ton. Old TV parts, metal bits and pieces, broken appliances that are stuck up in the attic. Prescription meds, record albums, small appliances, old computer printers and fax machines.

Optimally, these items should have been dealt with a long time ago so it doesn’t put the family in a crisis mode when the time comes. Old appliances and computers can be recycled, as can the endless paper piles we find. Metal can be scrapped; $100 is better than hauling it to the trash, right? Prescription medications need to be dissolved in vinegar before flushed to neutralize the meds, or better yet, dissolve them and place them in a container with old coffee grounds or kitty litter.

These items should be disposed of properly, but it makes us feel guilty when we are throwing away things like old photos or slides. After all, who has time to go through 10,000 slides from the 1950’s?

Let me share a quick story. I used to be one who didn’t have time to go through all the family slides … until mom died. I brought the slides home and at night while watching TV, I used a little light-up viewer I bought on Ebay to see which ones we wanted to keep. I found a gold mine! Photos of dad on his ship in the Navy, mom and dad’s engagement in 1953, early baby photos of me and my brother never seen before, photos of all the kids and cousins from long ago. I had these selected slides made into prints and distributed them to family members. The thank you letters, emails, and phone calls came pouring in. It was like they each won a small lottery and were most appreciative to have these never-before-seen photos. In my case, it was worth the effort.

If family does not claim these items, or there is no family left, sadly, these items either need to be discarded, donated, shredded. And it’s okay to do that — you have permission to do that. If no one else wants them or needs them, let them go with respect.

No part of The Estate Lady® blogs, whole or partial, may be used without Julie Hall’s written consent. Email her at Julie@TheEstateLady.com