So who was this woman - living in the same house as Great Grandpa?
On the purchased Death Certificate it says he was married a second time in Mentone, other information unknown. His second wife pre-deceased him - this would mean that they probably married between 1903 and 1909 that Julia probably died between 1919 and 1921, when she disappears from the Electoral Roll.
Later I contacted a relative I had found online and she sent me photocopies of photos of some of the Palmer family, including the ones attached of Arthur Samuel Palmer. Apparently, Arthur had a show horse and took care of others He travelled a lot to shows and the races. I just wish my mother was here now to show and tell her my research results.