Dr. Teresa Sievers - Motives and Theories (Including MS speculation)

[creepingskills]

Totally agree with the house of cards scenario. But-- If MS is involved he would have to know he would be number 1 suspect as in most homicides. Look at family first. This in and of itself would likely hold up any life insurance payments. Couple that with no income from TS and things start to look destitute. It is just too coincidental for me to think MS was not involved but he would have to know, even without CWW and JR's possible bungling, a payout would be months or possibly longer.

As Chelly suggested, I think the immediate appearance of the $1mil was intended to supplement life insurance proceeds in the event of delayed pay out. On the other hand, I think MS figured that eventually, considering his airtight alibi and the purported 'burglary gone wrong' set up, insurance would pay out in a matter of months.

Interesting to think that perhaps when it got a little too hot in the kitchen (MS wrote that note hoping it wouldn't offend anyone if he donated the funds to charity ) and the family began administering the account, maybe that meant MS couldn't withdraw funds. Or at least couldn't use the money without several family members knowing. I think that's what MS failed to plan for, having to abandon the scheme because it looked so bad.

Also re: life insurance, I think we are talking about more than one policy. I bet MS and TS had similar policies on each other, maybe an extra policy for TS on the business side. It would not surprise me in the least if TS named (or recently changed) the beneficiary on one policy to the trustee of her trust, if that trustee is not MS. Whether this was for tax reasons, or to ensure some oversight on spending and saving for the girls.

 

[Helper9693]

I think I've mentioned this before but while we are discussing it...When Teresa and I would chat about diet during my appointments...she often made suggestions to cut costs...suggesting one store over another for better prices...or adding more legumes in order to cut down on the cost of meat. I could tell these suggestions were current advice...and that she had "lived" this advice she was giving me. I always listened as she spoke...and found it interesting that she automatically took that approach since I never mentioned money or requested cheaper options for anything. I didn't have any money issues. It was a little window into her world... IMO

 

[MinnesotaMary]

As Chelly suggested, I think the immediate appearance of the $1mil was intended to supplement life insurance proceeds in the event of delayed pay out. On the other hand, I think MS figured that eventually, considering his airtight alibi and the purported 'burglary gone wrong' set up, insurance would pay out in a matter of months.
=

It is commonly said that police officers, detectives, crime scene investigators and the like try to 'think like the criminal'. In the event that MS is behind this, beyond 'my alibi is airtight', IMO the pièce de résistance would be 'they will never, ever, not in a million years, go looking in Hillsboro, MO' !

 

[MinnesotaMary]

Great post Cea!

I'm with AmazonRain. I bet the motive is simple. It's all about the $. I bet ya a quarter and a cup of coffee that when this is all over, it'll come out the house was mortgaged to the hilt (forged her name on refinances), eviction notices from the office had begun, .

Aha, but remember: Mark sent out an email to all the patients and said (I paraphrase), 'If you prepaid for an appt., simply send a snail mail to the office, and you'll receive a full refund asap.' If you suspect MS one bit: That email proves, slam-dunk, utterly pristine, flawless honesty, do you not think ?!?

 

[DexterMorgan]

Great post Cea!

I'm with AmazonRain. I bet the motive is simple. It's all about the $. I bet ya a quarter and a cup of coffee that when this is all over, it'll come out the house was mortgaged to the hilt (forged her name on refinances), eviction notices from the office had begun, .I also think that's why no one can state they actually stayed in that rental in Conn (before the murder) 'cause they rejected the credit card.

The only financial concern she ever mentioned to AmazonRain was how expensive her medical school costs were. (implication - all other things are fine because MS is taking care of those from the $ i earn).

This poor woman was working her @-- off thinking, trusting that all of their bills were being paid and a good portion being put away for the girls education and their retirement.

Remember the Sheriff mentioning studying the 'business model' of TS' office? He said something along the lines of, 'and what a business model it was'. I think Law Enforcement found out fast that the business model of TS' office, was also very simple - '$$ came in from TS hard work - and $$ went out directly into pocket of MS and CWW.

i went through this with a girlfriend. She worked full time raising 2 little girls in high stress job. Her husband was too good to work for someone else so he was a financier with all these big deals around the corner.

All the while my girlfriend lived modestly, trusting her 'big shot' husband to handle all finances. At his insistence of course because it would 'take a load off of her shoulders'. She's thinking they are totally secure until one day Lowes rejected her credit card for a water heater. That was how she lst found out when the house of cards started to fall. Here she was making big bucks and that a--h--- had forged her name on 3 refinances, wiped out her 401K and she cried to me telling me 'at least she had their paid for home'. He refinanced 3 times forging her name and it was already under foreclosure - he had been hiding the notices.

PS. Lovely post. I also think TS told ms to stay behind in Connecticut for a week so she could fully investigate the money transactions when she got home without him looking over her shoulders. Now she may have told him during the middle of the trip that money isn't being accounted for and she will be going through the books when she goes home alone.

So maybe ms told cww. I also wonder if ts went to donate money to her brothers funeral or family but that's when she found out by ms that they didn't have it. Maybe he spent alot in MO at the wedding. Maybe he just recently purchased himself a nice man cave in MO for tryst purposes with her money. Idk. But I think he knew that she would be seeing incoming notices that week and he was getting nervous. So this is why jr didn't have a chance to already be prepared for the trip. Just thinking.

 

[MinnesotaMary]

If MS is behind this, my guess would be that MS could just 'feel' - he 'sensed' - that TS did not feel life with MS was paradise anymore. IMO remember TS had divorced once & my observation is that once one divorces 1X, it makes the next divorces easier to get done (in a psychological sense). HOWEVER, we do know (from sheriff) that the murder was planned well in advance, so, yes, IMO makes sense that SOMETHING was hitting the fan, i.e., that things had reached a clear crisis point such that MS - IF MS IS INDEED BEHIND ALL OF THIS - knew 'it has to be done'.
-
Dexter: Hillsboro MO mancave 'for trysts' - IMO you should warn people not to be sipping grape juice while dressed in their fav' white shirt b4 they read that line...

 

[creepingskills]

PS. Lovely post. I also think TS told ms to stay behind in Connecticut for a week so she could fully investigate the money transactions when she got home without him looking over her shoulders. Now she may have told him during the middle of the trip that money isn't being accounted for and she will be going through the books when she goes home alone.

So maybe ms told cww. I also wonder if ts went to donate money to her brothers funeral or family but that's when she found out by ms that they didn't have it. Maybe he spent alot in MO at the wedding. Maybe he just recently purchased himself a nice man cave in MO for tryst purposes with her money. Idk. But I think he knew that she would be seeing incoming notices that week and he was getting nervous. So this is why jr didn't have a chance to already be prepared for the trip. Just thinking.

BBM. Lightbulb moment thanks to your comment! What if TS discovered some financial irregularities while MS was in Missouri for the wedding? Perhaps she opened the mail.:thinking:

 

[human]

BBM. Lightbulb moment thanks to your comment! What if TS discovered some financial irregularities while MS was in Missouri for the wedding? Perhaps she opened the mail.:thinking:

That makes a lot of sense. It could be mail, phone call, bill, computer glitch.

Would she confront him or start doing her own investigation?

Could there be other curiosities that she let slide , but then for her there was a lightbulb too?

 

[PeskySlueth]

Aha, but remember: Mark sent out an email to all the patients and said (I paraphrase), 'If you prepaid for an appt., simply send a snail mail to the office, and you'll receive a full refund asap.' If you suspect MS one bit: That email proves, slam-dunk, utterly pristine, flawless honesty, do you not think ?!?

I'm not sure if you're joking or not... i bet they are going to be waiting for a very lonnnnnng time for that refund.

 

[Chelly]

Aha, but remember: Mark sent out an email to all the patients and said (I paraphrase), 'If you prepaid for an appt., simply send a snail mail to the office, and you'll receive a full refund asap.' If you suspect MS one bit: That email proves, slam-dunk, utterly pristine, flawless honesty, do you not think ?!?

As honest as his promise to return patients' medical records. As honest as paying the lease on The Practice. As honest as not wearing his wedding ring at a bawdy outdoor wedding-party a month before wife's murder.

 

[coastal]

BBM. Lightbulb moment thanks to your comment! What if TS discovered some financial irregularities while MS was in Missouri for the wedding? Perhaps she opened the mail.:thinking:

I'm thinking it would be hard to do much creative bookkeeping with a "cash only" system. Dr. Seivers would have known exactly how many patients she saw every day, and the fee schedule was very straightforward. Hard to hide much for long that way, IMO.

 

[DexterMorgan]

I'm thinking it would be hard to do much creative bookkeeping with a "cash only" system. Dr. Seivers would have known exactly how many patients she saw every day, and the fee schedule was very straightforward. Hard to hide much for long that way, IMO.

That's why some think he may have been refinancing loans or mortgage and he was also probably shorten payments to the debtors. So he could have easily pocketed 30k to 50k without her knowing in a year spand.

Maybe not directly from the office. But by opening up lines of personal credit or funds in the name of the business or mortgage and in her name as well.

Maybe he got an Amex unlimited platinum card in her name or the office name and spend tremendous money without her knowing the card even existed. Idk. But he had plenty of ways and tremendous free time to do this throughout the years.

Like the other poster said. She may have been finding out alot while he was away at the wedding in MO. Jmo

 

[creepingskills]

I'm thinking it would be hard to do much creative bookkeeping with a "cash only" system. Dr. Seivers would have known exactly how many patients she saw every day, and the fee schedule was very straightforward. Hard to hide much for long that way, IMO.

I'm thinking more along the lines of...MS led TS to believe they had savings, or he was racking up credit card debt. Maybe MS said he was moving money from a savings account into a mutual fund and just stole the money. Or, considering the cash business and self employment - they may have set aside $ to pay the taxes quarterly. Perhaps MS inflated the amount owed to the IRS or stopped paying the taxes quarterly.

 

[DexterMorgan]

I'm thinking more along the lines of...MS led TS to believe they had savings, or he was racking up credit card debt. Maybe MS said he was moving money from a savings account into a mutual fund and just stole the money. Or, considering the cash business and self employment - they may have set aside $ to pay the taxes quarterly. Perhaps MS inflated the amount owed to the IRS or stopped paying the taxes quarterly.

Oh snap. Good point on the irs tax part. Maybe she was served with audit papers on the business and hired or was about to hire a private accountant since she may have felt hubby explanation of things weren't right and she no longer wanted to accept ms excuses about where the money was going.

Because the irs does not play when a doctors office is a cash business. Now you may slip through the cracks at first. But when they come they are expecting several years of financial proof and receipts. Good catch CS.

 

[Cymbaline]

This case just happened here in Vegas, pretty similar to this case...

http://www.dailymail.co.uk/news/art...footage-saw-husband-buying-hammer-hitman.html


IMO, JMO and MOO

 

[ATasteOfHoney]

For me, all possibilities of MS being innocent flew out the window when CWW was invited and attended the funeral. Why--because MS controlled the finances & the business end & that's the side of it that CWW was involved with too---everything computerized & digitized. TS did the soft-skills side & patient care. MS & CWW had a lot of time on their hands & TS caught them in something nefarious or unfathomable. I think she wanted out but MS & CWW couldn't allow for the whistle-blowing or the ruination of their money-making scheme (be it a simple ponzu-sheme, Medicare fraud, pill mill operation, or basic fraud). Nope , they wouldn't allow for TS to escape or call the authorities. MS couldn't kill her, but CWW could especially if he had his boy-toy protege with him for emotional support.

MS knew or had to have speculated what CWW was doing with the business and likely he had been a part of this long term scheme so if MS was innocent, he'd never let CWW know about the funeral. MS would never had allowed him there. It would've been very small & private if he had an inkling that it was his "twin-bro".

Instead, what the two of them did was kept it tight & close together--joined at the hip as they say. And so the funeral was "a go" for the both of them! Everyone would think that it would be preposterous for the killer(s) to attend the funeral of the victim they've just murdered!

Except we've all heard about the cat with a feather hanging off his whiskers and the canary has gone missing!

In other words, we know what psychopaths are all about.

Moo

 

[ATasteOfHoney]

This case just happened here in Vegas, pretty similar to this case...

http://www.dailymail.co.uk/news/art...footage-saw-husband-buying-hammer-hitman.html


IMO, JMO and MOO

OMG! There is one pic of the hubby looking like he's walking into court wearing a suit & he looks eerily similar to Sc*tt Peters*n!

The chills, I tell ya'......the chills!

 

[Deleted member 159541]

I think I've mentioned this before but while we are discussing it...When Teresa and I would chat about diet during my appointments...she often made suggestions to cut costs...suggesting one store over another for better prices...or adding more legumes in order to cut down on the cost of meat. I could tell these suggestions were current advice...and that she had "lived" this advice she was giving me. I always listened as she spoke...and found it interesting that she automatically took that approach since I never mentioned money or requested cheaper options for anything. I didn't have any money issues. It was a little window into her world... IMO

Thank you for pointing this out. Teresa came from modest means and a blue collar town. Teresa worked her way through college and was no stranger to hard work. She waited tables as she went through school and had no problem getting her hands dirty. Until she met MS, she lived in a modest home well within her means. Teresa wanted to get out from under student loan debt but it was MS who wanted the bigger lifestyle. I cannot stress enough how much MS talked about money in my presence. I was specifically told that MS wanted to have the practice in the "richest" area of Florida and Teresa felt this would help her pay off her student loan debt. I am fairly confident that we are going to find out that the house is underwater, that the practice owed money to landlords and vendors and MS took out life insurance on Teresa. If this isn't the case, I will be VERY surprised. Teresa knew how to live with no money and she knew how to live more comfortably but she NEVER forgot where she came from - that is why she did work with patients who couldn't pay - on HER time and at no cost. This is well documented by the people that she did charity work with (the pastor who gave the eulogy at her service and the charity where she was on the board). I know of two situations where she gave care and guidance to two friends who had no insurance. She charged them nothing and would always answer their calls. If there were more physicians like Teresa, the world would be a better place.

 

[PeskySlueth]

Thank you AmazonRain so much for your thoughts. I think you and A Taste of Honey totally nailed it right on. Let's just hope and pray justice is served for that incredible woman!

 

[Momoffourboys]

Thank you for pointing this out. Teresa came from modest means and a blue collar town. Teresa worked her way through college and was no stranger to hard work. She waited tables as she went through school and had no problem getting her hands dirty. Until she met MS, she lived in a modest home well within her means. Teresa wanted to get out from under student loan debt but it was MS who wanted the bigger lifestyle. I cannot stress enough how much MS talked about money in my presence. I was specifically told that MS wanted to have the practice in the "richest" area of Florida and Teresa felt this would help her pay off her student loan debt. I am fairly confident that we are going to find out that the house is underwater, that the practice owed money to landlords and vendors and MS took out life insurance on Teresa. If this isn't the case, I will be VERY surprised. Teresa knew how to live with no money and she knew how to live more comfortably but she NEVER forgot where she came from - that is why she did work with patients who couldn't pay - on HER time and at no cost. This is well documented by the people that she did charity work with (the pastor who gave the eulogy at her service and the charity where she was on the board). I know of two situations where she gave care and guidance to two friends who had no insurance. She charged them nothing and would always answer their calls. If there were more physicians like Teresa, the world would be a better place.

Thank you for this, AR. You confirmed who I envisioned Dr. T to be. Humble, modest, kind and caring.