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The argument is that there could be no other reason for keeping the money in the house rather than the bank except saw that your sister would benefit on your mothers death. An unusually large amount of money would tend to suggest that that was her intention and you could challenge that in the context of the estate by raising an action for accounting. As far as the jewellery is concerned that would be household contents. Generally an executor is bound to account to the beneficiaries and if the executor does not do so or the beneficiaries are not happy with what the executor provides then the beneficiaries can go to the court and ask the court to make the executor account for their actings in the estate.