Probate Notes: Your Guide to Navigating California Probate Law

R. Sam Price
  • 5.0 (5)
  • EDUCATION
  • UPDATED WEEKLY

Welcome to Probate Notes, your go-to podcast for navigating the complexities of California probate law. Hosted by R. Sam Price, a seasoned probate attorney, Certified Specialist in Estate Planning, Trust, and Probate Law by the State Bar of California Board of Legal Specialization, and author of The 6-Stage Probate Process, this podcast breaks down probate practice with expert insights, practical strategies, and real-world solutions for attorneys, paralegals, fiduciaries, and professionals in the probate industry. Each episode dives into key topics, from foundational probate concepts to advanced litigation strategies, helping you master the nuances of probate practice. Whether it's fixing court examiner deficiencies, tackling probate litigation, or staying ahead of legislative updates, you'll get actionable guidance to streamline your cases and elevate your expertise. Expect guest interviews with top probate attorneys, fiduciaries, and legal experts, as well as a dedicated segment answering listener questions. Whether you’re a seasoned probate attorney or just starting in the field, Probate Notes will help you navigate probate with confidence, clarity, and efficiency. 🎧 Subscribe now on Spotify, Apple Podcasts, YouTube, and all major platforms. Submit your questions and be part of the conversation!

  1. 5D AGO

    012: Exploring Title Insurance and Probate: Navigating Legal Challenges with Courtney Writer

    On today’s episode of Probate Notes, attorney Courtney Writer, Vice President at Fidelity National Title, joins Sam for an exploration into the world of title insurance and its intersection with probate matters. With tales of their shared history at Price Law Firm and amusing birthday contests in Oak Glen, Courtney shares her professional journey. From real estate to law, she reveals the pivotal moments that defined her career, including the challenges faced during the 2009 financial crisis and the eventual rise from the downfall of her previous firm. It's a rich tapestry of resilience and success in the legal realm. Sam and Courtney dive into the nuts and bolts of title insurance and its vital role in real estate transactions, especially when heirs contest ownership. They unravel a hypothetical case involving a third-party buyer caught in a property dispute, and how title insurance steps in to protect both the owner's and the lender's interests. With insightful discussions on court settlements and estate planning, Courtney emphasizes the importance of having the right coverage, including endorsements for trust transfers. It's a masterclass in safeguarding property interests and navigating complex legal landscapes. Forgery and fraud add another layer of complexity to probate issues, and in their final segment, Courtney and Sam dissect the implications of forged deeds and signatures. Discover how title insurance can mitigate these risks, returning properties to rightful estates and protecting innocent buyers and lenders from fraud fallout. Real-life scenarios bring these challenges to life, illustrating the crucial role of document examiners and the ethical dilemmas they face. Their conversation sheds light on the rigorous process of verifying authenticity and ensuring justice prevails in the often murky waters of property law. In this episode, you will hear: Insights from Courtney Writer, VP at Fidelity National Title, on title insurance and its impact on probate matters Courtney's professional journey from real estate to law, including challenges during the 2009 financial crisis The role of title insurance in real estate transactions, especially when heirs contest ownership Hypothetical case discussion on protecting interests with title insurance during property disputes The complexities of forgery and fraud in probate, and how title insurance can mitigate these risks Real-life scenarios illustrating the process of verifying authenticity in property transactions The importance of integrating estate planning with title insurance for comprehensive protection Resources from this Episode The 6-Stage Probate Process: How to Navigate California Probate: https://a.co/d/82310Rw  Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

    50 min

  2. SEP 23

    011: Cultivating Professionalism and Civility in the Courtroom with Hon. Judge Mary Thornton House

    The Honorable Judge Mary Thornton House, a retired judicial officer from the Los Angeles Superior Court, joins Sam for the latest episode of Probate Notes with her profound expertise in probate matters. From her early beginnings in Memphis to her distinguished legal career in Los Angeles, Judge House opens up about her journey and current role as a private mediator. Sam and Judge House delve into her work as a judge pro tem in probate cases, shedding light on the advantages of alternative dispute resolution under Code of Civil Procedure Section 638. These insights highlight the efficiency and benefits of such approaches for streamlining uncontested matters. Exploring the world of judicial personalities, they delve into the Myers-Briggs Type Indicator (MBTI) and its application in the courtroom. Discover why many judges possess introverted and ordered characteristics, aligning with the ISTJ personality type, and how these traits foster objectivity and precision. She shares her personal experiences as an extroverted judge, emphasizing the importance of cultivating a collaborative environment in what can often be an isolating profession. This conversation reveals the intricate balance judges must strike between the inherent ego boost of their role and the need for control and professionalism. Finally, Judge House and Sam dive into effective advocacy strategies tailored for judges with sensing personalities, where logic, clarity, and precision take center stage. Visual aids like charts and timelines emerge as powerful tools to assist judges in complex probate cases, enhancing comprehension and reducing decisional fatigue. They conclude by exploring judicial decision-making strategies, underscoring the value of civility, professionalism, and timely submissions. Tune in to expand your understanding of probate processes and elevate your legal advocacy skills with these invaluable insights. In this episode, you will hear: Judge Mary Thornton House’s career journey from Memphis to Los Angeles and her transition to a private mediator The advantages of alternative dispute resolution in probate cases, focusing on Code of Civil Procedure Section 638 Examination of judicial personalities using the Myers-Briggs Type Indicator (MBTI), highlighting the common ISTJ type among judges Strategies for effective advocacy, emphasizing logic, clarity, and the use of visual aids in probate cases Maintaining professionalism, civility, and the importance of timely submissions in legal proceedings Exploration of judicial decision-making strategies, focusing on logic over emotion and the significance of precedent Resources from this Episode The 6-Stage Probate Process: How to Navigate California Probate: https://a.co/d/82310Rw  Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

    42 min

  3. SEP 16

    010: Empowering Professionals with International Tax Knowledge with Janet Brewer

    What happens when a seasoned attorney from Silicon Valley steps into the world of probate law? On this episode of Probate Notes, explore this intriguing question with Janet Brewer, an esteemed lawyer whose career journey took her from the Chicago suburbs to the cutting-edge technology scene of California. Janet's personal story reveals a path shaped by innovation, as she navigated the corporate legal landscape of early Silicon Valley, from Hewlett-Packard to Hills Brothers Coffee. Janet reflects on her unconventional motivations for pursuing a career in law. She shares insights into the evolution of the tech industry, as well as her role in shaping legal frameworks during that transformative era. Unlock the mysteries of estate and gift tax rules as Sam and Janet discuss differences in tax exemptions for U.S. citizens, green card holders, and non-resident aliens. With Janet's expertise, they dissect the often-confusing distinctions between residency and domicile and why intent is paramount in determining one's tax obligations. Through historical cases and practical examples, Sam and Janet share the challenges green card holders and those on temporary visas face, revealing the complexities of maintaining or changing domiciliary status. Their conversation expands to include international estate tax matters, highlighting the hurdles foreign nationals face in the U.S. tax system and the importance of international tax treaties. From navigating the intricacies of estate tax rules for foreign property to understanding the nuances of transfer tax certificates, Sam’s discussion with Janet Brewer offers invaluable information for professionals dealing with cross-border tax issues. Whether you're an attorney, paralegal, fiduciary, or real estate agent, you'll find clarity in this examination of estate versus inheritance taxes and the importance of consulting with experts on international tax nuances. Tune in to master probate law and transform your approach to this often daunting field. In this episode, you will hear: Janet Brewer’s journey from Chicago to becoming a corporate attorney in Silicon Valley, working with companies like Hewlett-Packard and Hills Brothers Coffee The complexities of estate and gift tax exemptions, highlighting the differences for U.S. citizens, green card holders, and non-resident aliens Legal distinctions between residency and domicile for tax purposes, with historical cases outlining challenges faced by green card holders and temporary visa holders The procedural hurdles in obtaining an ITIN for foreign nationals to file estate tax returns, and the impact of international tax treaties Exploration of U.S. situs property and its implications for estate tax obligations, including tangible vs. intangible assets Importance of consulting cross-border tax experts and early planning to navigate international estate tax challenges effectively Strategies for professionals to approach the probate process with confidence, emphasizing the significance of maintaining clean filings and clear probate notes Resources from this Episode Janet Brewer’s website: www.calprobate.com Email: janet@calprobate.com Phone: (650) 325-8276 Transfer Certificate Filing Requirements: www.irs.gov/businesses/small-businesses-self-employed/transfer-certificate-filing-requirements-for-the-estates-of-nonresident-citizens-of-the-united-states The 6-Stage Probate Process: How to Navigate California Probate: https://a.co/d/82310Rw  Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

    55 min

  4. SEP 9

    009: Navigating Real Estate Law: Insights on Probate, Property Disputes, and Estate Planning with Jennifer Felton

    Ever wondered how real estate law intertwines with probate to affect the transfer of property? Join Sam for this episode of Probate Notes, as he unravels these complexities with insights from Jennifer Felton, an accomplished attorney who has transformed challenges in the escrow world into a thriving legal career. Jennifer shares her journey from being an escrow officer to owning a renowned real estate law firm, explaining how her firm adeptly balances supporting real estate businesses and assisting consumers with estate planning and property disputes. Discover the nuances of transfer-on-death deeds in California and how they serve as a cost-effective alternative to traditional estate planning for property transfer without the need for probate. What happens when siblings inherit a property and can't reach a consensus on what to do next? Jennifer Felton untangles the maze of partition actions, unpacking the legal tools available for resolving property disputes among siblings. Sam and Jennifer highlight the often-overlooked right of first refusal for siblings living in inherited properties and the hurdles they face in executing a buyout at fair market value. Their conversation extends to the impact of California's Proposition 13 and Proposition 19 on property taxes and inheritance, providing clarity on how the court can step in to mediate when co-owners are at an impasse. Estate planning can be a minefield if not navigated carefully. Through real-world examples, Jennifer delves into the repercussions of altering joint tenancy agreements without legal guidance and the ensuing legal quagmires. Sam and Jennifer explore the financial pitfalls associated with small estate affidavits and the hidden costs of cutting corners on thorough estate planning. From the role of probate referees in property valuation to the duties and liabilities of inheriting property, this episode offers cautionary tales and expert advice meant to steer you clear of costly legal missteps and ensure a smoother path to property inheritance and estate management. In this episode, you will hear: Jennifer Felton’s insights on transitioning from an escrow officer to a real estate attorney and law firm owner California's transfer-on-death deeds as a probate-free property transfer method Partition actions and the legal complexities of sibling inheritance disputes in California The impacts of California's Propositions 13 and 19 on property taxes and inheritance Cautionary tales of estate planning errors, particularly altering joint tenancy agreements Challenges of using small estate affidavits and the importance of comprehensive estate planning. Legal tools and court processes for resolving property disputes and managing estates effectively Resources from this Episode The 6-Stage Probate Process: How to Navigate California Probate: https://a.co/d/82310Rw  Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

    48 min

  5. SEP 2

    008: Unlocking Hidden Treasures: Navigating Probate Real Estate with Elizabeth Miffleton

    On this episode of Probate Notes, Elizabeth Miffleton, a respected name in the California real estate market, reveals her remarkable journey from banking to becoming a sought-after agent specializing in probate and trust properties. Her story is an inspiring one, marked by her transition from a successful stint at Bank of America to founding a paralegal business, all guided by her bilingual prowess and commitment to building trust. Encouraged by her sister Veronica, Elizabeth found her calling in real estate, leveraging her skills to guide clients through the emotionally complex landscape of probate properties with empathy and expertise. The episode takes an unexpected turn as we explore the hidden challenges and rewards of managing cluttered estates. Imagine walking into a home overflowing with forgotten treasures, from valuable coins to antique firearms. Elizabeth shares fascinating anecdotes of how professional junk removal can reveal significant assets, underscoring the importance of expert intervention to ensure nothing of value or sentimental worth is lost. Sam and Elizabeth delve into the necessity of clearing and preparing homes for sale, particularly in sensitive cases following the loss of a loved one, where biohazard conditions need meticulous handling by licensed professionals. Finally, Sam and Elizabeth break down the strategic side of estate management with insights into maximizing property sales. Elizabeth discusses the critical decisions surrounding estate renovations, comparing the benefits of selling properties as-is with the value-added approach of expert-led renovations. The episode also addresses the intricacies of foreclosure scenarios, offering practical solutions for those caught in the legal and financial maze. Elizabeth's success stories in negotiating with banks highlight her strategic acumen, providing valuable perspectives on delaying foreclosure and safeguarding estate assets. In this episode, you will hear: Elizabeth Miffleton's journey from banking to probate real estate expertise The complexities and surprises of managing cluttered estates Importance of professional junk removal to uncover hidden estate treasures Strategic decisions in estate renovations versus selling as-is Navigating foreclosure processes and delaying foreclosure through negotiations Trust Properties' unique offering of fronting renovation costs without interest Ensuring safety and compliance in handling biohazard situations within estates Resources from this Episode www.trustpropertiesusa.com The 6-Stage Probate Process: How to Navigate California Probate: https://a.co/d/82310Rw  Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

    36 min

  6. AUG 26

    007: Effective Communication in the Probate Process with Bud Garvin

    What role do probate referees play in the intricate world of California probate law? Join Sam for this episode of Probate Notes as he sits down with Bud Garvin, an experienced probate referee with a fascinating background that transitions from business broker and appraiser to an appointed expert by the state comptroller's office. They unravel the unique journey of becoming a probate referee and the diverse expertise required, from real estate to legal and accounting knowledge. Bud shares insights from his time as the past president of the California Probate Referee Association, highlighting the importance of ongoing education and the distinct nature of this profession compared to traditional real estate appraisers. Accuracy is the name of the game when it comes to inventory reporting in probate processes. In this session, Sam and Bud dissect common pitfalls that can hinder the appraisal process, such as omitting crucial parcel numbers and failing to provide adequate descriptions of assets. The conversation emphasizes the necessity of detailed documentation, including QSIP numbers for stocks and bonds, to ensure smooth and efficient appraisals. They also cover practical tips, such as double-spacing reports and precise dividend calculations, advocating for over-information rather than insufficient data to prevent unnecessary delays. Appraising business assets presents unique challenges, particularly when dealing with the death of sole business practitioners. Sam and Bud also underscore the importance of comprehensive documentation and clear communication between legal staff and probate referees to avoid appraisal delays. Through real-world examples, they delve into common misunderstandings in asset valuations and the significance of proactive information sharing. This episode is a treasure trove of practical advice for navigating the probate inventory and appraisal process, promoting collaboration and clarity for all parties involved. In this episode, you will hear: Insights from Bud Garvin, an experienced probate referee, on the role and organization of probate referees in California Common mistakes in inventory reporting, emphasizing accuracy and thorough documentation to avoid delays Challenges in appraising business assets for probate Importance of effective communication and collaboration between legal staff and probate referees The neutral role of probate referees in the appraisal process, highlighting statutory fees and cost uniformity Real-world examples illustrating misunderstandings in asset valuations and the need for proactive information sharing Leveraging resources and seeking guidance from probate referees to ensure efficient probate processes Resources from this Episode The 6-Stage Probate Process: How to Navigate California Probate: https://a.co/d/82310Rw  Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.

    41 min

  7. AUG 19

    006: Unlocking Real Estate Title Insurance: Navigating Probate and Property Challenges with Kevin Sayles

    What if the small cost of title insurance could guard your most significant investment against unforeseen claims? On today’s episode of Probate Notes, Sam sits down with Kevin Sayles, Vice President and Probate Expert at Lawyers Title, to unravel the intricacies of real estate title insurance. Kevin shares his journey from banking and lending to becoming an industry leader in title insurance, where he emphasizes the critical role this insurance plays in protecting property rights. Despite its relatively minor expense, title insurance is a cornerstone in safeguarding against claims, such as easements or leasehold rights, that could have long-lasting impacts on property ownership. Dive into the world of probate real estate transactions, with a particular focus on California's unique processes. Kevin and Sam explore how title companies ensure the legitimacy of transactions and why verifying seller identities is crucial. We dissect the complexities of probate sales, highlighting the necessity of court documents and death certificates, as well as the distinctions between full and limited authority under the Independent Administration of Estates Act. Their conversation also addresses issues that arise when deeds do not align with court orders, emphasizing the importance of amendments and certified court orders for a smooth property transfer. Explore the challenges presented by unrecorded deeds and missing legal documents, including trusts and powers of attorney. Through real-life examples, Kevin illustrates the painstaking diligence required to trace lost documents and maintain the integrity of estate management. Kevin and Sam delve into the critical distinctions between record and marketable titles, particularly concerning the impact of mental incapacity on deed validity. Finally, the episode highlights potential risks, such as Medi-Cal recovery liens and creditor issues, and encourages listeners to stay informed and proactive about probate processes. Tune in to gain valuable insights and ensure peace of mind as you navigate the complex terrain of real estate title challenges. In this episode, you will hear: Introduction to real estate title insurance with insights from Kevin Sayles, exploring his journey from banking to title mastery The critical role of title insurance in protecting property rights and safeguarding against claims like easements and leasehold rights Complexities of probate real estate transactions in California, focusing on verifying sellers and the role of court documents and personal representatives Challenges with unrecorded deeds and missing legal documents, emphasizing the importance of due diligence and maintaining original documents Distinction between record and marketable titles, and the impact of mental incapacity on property deeds Navigating probate real estate challenges, including Medi-Cal recovery liens, IRS obligations, and creditor issues Importance of proactive strategies in managing probate processes and securing property deals Resources from this Episode laltic.com/kevinsayles-1 The 6-Stage Probate Process: How to Navigate California Probate: https://a.co/d/82310Rw  Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

    50 min

  8. AUG 12

    005: Navigating Specialty Lending and Estate Settlements in California Probate with Tanis Kluever

    On today’s episode of Probate Notes, join Sam for an eye-opening discussion with Tanis Kluever, a senior account executive from Commercial Loan Corporation (CLOANC), who specializes in the niche field of probate and irrevocable trust loans. Have you ever wondered why major banks steer clear of these types of loans? Tanis shares her fascinating journey from managing restaurants to becoming a key player in the real estate lending industry. Her passion for helping people navigate the complexities of probate shines as she explains how these unique loans rely heavily on property collateral rather than personal credit guarantees. Sam and Tanis explore the specific criteria and types of properties eligible for these loans, including the intriguing concept of the 65% loan-to-value comfort zone. Sam and Tanis also venture into the practicalities of managing loans within estate settlements, offering invaluable guidance for fiduciaries and administrators. Tanis unveils how beneficiary loans can be a lifeline for covering probate costs, preventing foreclosure, and addressing creditor debts when cash is short. Discover how these loans help balance asset distributions, allowing heirs to retain cherished properties without sacrificing low property tax rates under Proposition 19. Sam and Tanis stress the need for homeowners insurance and current property taxes, guiding you step-by-step through the understanding and securing of loans tied to trusts. As a neutral third party, Sam and Tanis aim to empower families to make well-informed financial decisions, offering our insights without charging consultation fees. Don't miss this chance to gain expert knowledge on navigating the intricate world of estate and probate lending. In this episode, you will hear: Introduction to specialty lending in California probate with expert Tanis Kluever from Commercial Loan Corporation Tanis's career transition from restaurant management to real estate lending In-depth discussion on probate and irrevocable trust loans, focusing on collateral over personal guarantees Explanation of beneficiary loans and their role in addressing foreclosure risks, probate expenses, and creditor debts Maintaining low property tax bases under Proposition 19 and balancing asset distribution among heirs The necessity of homeowners insurance and keeping property taxes current for securing estate loans Real-world examples and strategies for using probate loans to resolve complex estate settlement scenarios Resources from this Episode cloanc.com/tanis-kluever-trust-loan-specialist Follow and Review: We’d love for you to follow us if you haven’t yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We’d love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast. Episode Credits If you like this podcast and are thinking of creating your own, consider talking to my producer, Emerald City Productions. They helped me grow and produce the podcast you are listening to right now. Find out more at https://emeraldcitypro.com Let them know we sent you.

    39 min
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Welcome to Probate Notes, your go-to podcast for navigating the complexities of California probate law. Hosted by R. Sam Price, a seasoned probate attorney, Certified Specialist in Estate Planning, Trust, and Probate Law by the State Bar of California Board of Legal Specialization, and author of The 6-Stage Probate Process, this podcast breaks down probate practice with expert insights, practical strategies, and real-world solutions for attorneys, paralegals, fiduciaries, and professionals in the probate industry. Each episode dives into key topics, from foundational probate concepts to advanced litigation strategies, helping you master the nuances of probate practice. Whether it's fixing court examiner deficiencies, tackling probate litigation, or staying ahead of legislative updates, you'll get actionable guidance to streamline your cases and elevate your expertise. Expect guest interviews with top probate attorneys, fiduciaries, and legal experts, as well as a dedicated segment answering listener questions. Whether you’re a seasoned probate attorney or just starting in the field, Probate Notes will help you navigate probate with confidence, clarity, and efficiency. 🎧 Subscribe now on Spotify, Apple Podcasts, YouTube, and all major platforms. Submit your questions and be part of the conversation!

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