PA PA - Ray Gricar, 59, Bellefonte, 15 April 2005 - #6

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Prior to disappearing, of course.

I'm looking to see if he was planning to destroy the drive, but then replace it with a clean one. If he did that, it would be a very good indication that he planned to return.



Oh, I can think of 300-400 k reasons for him to do that.



That is another reason to look at his financial situation. One of the questions is if all his assets are there. For a guy who made over $110 K per year, had no rent or mortgage, virtually no business overhead, and didn't even have car payments, that is not explainable.

BBM

JJ, as I had remarked in a post on one of the threads pertaining to Maura Murray, it is her and Ray's disappearances that haunt me and keep me awake many nights, both for reasons that are totally unknown to me.

While I am lying quietly and pondering the nuances of Ray's disappearance, I find I keep returning to the subject of Ray's financial assets, both the presence and absence of same. I totally agree with your statement, "that is not explainable."

Thank you very much for all your hard work here!
 
Prior to disappearing, of course.

I'm looking to see if he was planning to destroy the drive, but then replace it with a clean one. If he did that, it would be a very good indication that he planned to return.



Oh, I can think of 300-400 k reasons for him to do that.



That is another reason to look at his financial situation. One of the questions is if all his assets are there. For a guy who made over $110 K per year, had no rent or mortgage, virtually no business overhead, and didn't even have car payments, that is not explainable.

They did look at his finances and found nothing much. You forget a college education for Lara is not cheap. The mini was bought in cash. What about Lara's horse? boarding ect. Having a child even a older child is expensive.
 
Can you give me a few of the 300, 400 k reasons?


$$$$$$.

His pension and the money he held with her jointly in his accounts and his pension. Tell Lara, and her only way to access it is to walk into court, or phone into court, and commit perjury. Don't tell her, and she doesn't violate the law.

As for Lara's college, she had two parents. Her mother, BG, was at Smeal College of Business at Penn State, a full professor who had, in 2002, been there for 20 years. In 2002-3, the average salary for a full professor was $141 K. I would strongly suspect that she was above average.

http://www.senate.psu.edu/agenda/apr27-04agn/salarytables042704.pdf

On top of that, BG also did consulting for businesses; I would assume she got more than I do (I generally do nonprofits for a very limited time).

All told, even in 2002, I'd suspect that, between the two of them, LG's parents were grossing more than $250 K per year. The school LG went to was less expensive than Penn State, and that might run $25-$30 K per year today (tuition is $14 K).

LG's college does not explain it in the least.
 
They did look at his finances and found nothing much. You forget a college education for Lara is not cheap. The mini was bought in cash. What about Lara's horse? boarding ect. Having a child even a older child is expensive.

Lara's horse, if there was one, may not have been purchased in 2000-05, while she was in school. It might not have been purchased, at all.
 
BBM

JJ, as I had remarked in a post on one of the threads pertaining to Maura Murray, it is her and Ray's disappearances that haunt me and keep me awake many nights, both for reasons that are totally unknown to me.

While I am lying quietly and pondering the nuances of Ray's disappearance, I find I keep returning to the subject of Ray's financial assets, both the presence and absence of same. I totally agree with your statement, "that is not explainable."

Thank you very much for all your hard work here!

There could be some reasonable explanations. Here are two I'm dealing with.

1. RFG made some bad investments, possible even in the early 2000's and lost some of it (that might have caused him to be suicidal for that matter).

2. RFG made an investment that is good, but it doesn't generate tax forms, like 1099's. A few things in that category.

A. Savings bonds. The don't generate a tax form until cashed in.

B. Gold. RFG could have purchased $75 K of gold in the early 2000's. That would be about 250 ounces and could have been bought at $300 per Troy Ounce. (It would be worth about $440 K today.)

Either is possible and both would fit in a large safe deposit box. Silver is also possible, but it would be bulkier.

Yes, I am playing Devil's Adovocate. There could be explanations, but there have never any actual explanations offered.
 
$$$$$$.

His pension and the money he held with her jointly in his accounts and his pension. Tell Lara, and her only way to access it is to walk into court, or phone into court, and commit perjury. Don't tell her, and she doesn't violate the law.

As for Lara's college, she had two parents. Her mother, BG, was at Smeal College of Business at Penn State, a full professor who had, in 2002, been there for 20 years. In 2002-3, the average salary for a full professor was $141 K. I would strongly suspect that she was above average.

http://www.senate.psu.edu/agenda/apr27-04agn/salarytables042704.pdf

On top of that, BG also did consulting for businesses; I would assume she got more than I do (I generally do nonprofits for a very limited time).

All told, even in 2002, I'd suspect that, between the two of them, LG's parents were grossing more than $250 K per year. The school LG went to was less expensive than Penn State, and that might run $25-$30 K per year today (tuition is $14 K).

LG's college does not explain it in the least.
By not telling Lara she doesn't violate the law, but you forgot she declared him dead and now she gets to spend his funds and pension.:great:
Where does that leave him with money?
 
By not telling Lara she doesn't violate the law, but you forgot she declared him dead and now she gets to spend his funds and pension.:great:
Where does that leave him with money?


That is why we all talking about "unaccounted for" money. He could be living off of that, and it could be substantial.
 
If the funds was in order as reported, why do you insist they wasn't? They did a forensic analysis of his funds and found nothing substantial. I know they preformed this because I know one expert that worked it. My SO did a job for him.
 
If the funds was in order as reported, why do you insist they wasn't? They did a forensic analysis of his funds and found nothing substantial. I know they preformed this because I know one expert that worked it. My SO did a job for him.

No, they reported that there were no recent unexplained transactions. That is very different from what I'm talking about.
 
No, they reported that there were no recent unexplained transactions. That is very different from what I'm talking about.

The problem is JJ they have reported no problems in his finances. I know you have a problem with his finances but your using your own method to glean evidence that is based on what you think he should have. I could spend over $100,000 in one week easily lol. Lara was right about to close on buying a home. Being a only child could Ray have furnished the down payment ect? The very day Lara arrived she was supposed to close on the home. She also was engaged and Ray knew her fiancee well. Could he have started giving her money toward the wedding? Parents of the bride do that its not uncommon. These things are being discussed here indepth:
http://boards.library.trutv.com/forumdisplay.php?508-Ray-Gricar-Missing-Pennsylvania-DA

For a fresh review of this.

Many have asked if you would all join us in the search of truth. I come here to get fresh ideas, so I thought and was asked to extend the invitation. Hope to put all our heads together for a answer here and there. :seeya:
 
There could be some reasonable explanations. Here are two I'm dealing with.

1. RFG made some bad investments, possible even in the early 2000's and lost some of it (that might have caused him to be suicidal for that matter).

2. RFG made an investment that is good, but it doesn't generate tax forms, like 1099's. A few things in that category.

A. Savings bonds. The don't generate a tax form until cashed in.

B. Gold. RFG could have purchased $75 K of gold in the early 2000's. That would be about 250 ounces and could have been bought at $300 per Troy Ounce. (It would be worth about $440 K today.)

Either is possible and both would fit in a large safe deposit box. Silver is also possible, but it would be bulkier.

Yes, I am playing Devil's Adovocate. There could be explanations, but there have never any actual explanations offered.

All great ideas, except his best friend SS said Ray didn't invest or do stocks. He said it was like chinese foreign language to Ray. That was on the ID channel show.


A. Savings bonds. The don't generate a tax form until cashed in.
Well if thats the case then when would he be able to cash it in without a record?


1. RFG made some bad investments, possible even in the early 2000's and lost some of it (that might have caused him to be suicidal for that matter).
Five years later he suicides with no body found?

2. RFG made an investment that is good, but it doesn't generate tax forms, like 1099's. A few things in that category.
Its still trackable.

Lara was on his account maybe Ray had no problem, obviously he trusted her, perhaps to use funds as she needed them. That could account for more than what Ray had spent. The nephew saw no problems with Ray's finances and he did leave $100,000 or so in that account when he disappeared. If he planned on walking why leave it?

With walk away we have a man leaving $100,000 or more behind. A man who forfeited his pension, his social security, his healthcare, his antique collection. His very personal records and photo's. His relationship with his only child, and a girlfriend. A man who knew what his brothers missing and then ruled
suicide did to his nephews lives. I can't understand what he would be walking away from? A stable life established to run away from it just to live poor? I can't see where it fits that.:banghead:
 
All great ideas, except his best friend SS said Ray didn't invest or do stocks. He said it was like chinese foreign language to Ray. That was on the ID channel show.


A. Savings bonds. The don't generate a tax form until cashed in.
Well if thats the case then when would he be able to cash it in without a record?

He wouldn't, LG would. That however would explain the situation.

1. RFG made some bad investments, possible even in the early 2000's and lost some of it (that might have caused him to be suicidal for that matter).
Five years later he suicides with no body found?

I could say the same about murder. Actually, it could raise the odds a bit on suicide, not prove it.

2. RFG made an investment that is good, but it doesn't generate tax forms, like 1099's. A few things in that category.
Its still trackable.

No, unless you look further back than LE said they did. He could have bought 400 Troy Ounces of gold in 2001 and spent $110 K for it. It would fit a large safe deposit box and weigh about 27 1/2 regular pounds.

There might a record of him writing the check for it, but if LE didn't look at 2001 expenditures, they wouldn't see it.


With walk away we have a man leaving $100,000 or more behind. A man who forfeited his pension, his social security, his healthcare, his antique collection. His very personal records and photo's. His relationship with his only child, and a girlfriend. A man who knew what his brothers missing and then ruled
suicide did to his nephews lives. I can't understand what he would be walking away from? A stable life established to run away from it just to live poor? I can't see where it fits that.:banghead:

If he had substantially more than that $100+ there, that money could have been just something to take care of LG, a "parting gift."

Assume that there is that money that is out there. If so, if cashed in in the US, it would generate tax forms. RFG could wished to avoid that and taken it to a foreign county. It also could have been stored in a foreign county. If that is so, RFG could have not walked away from anything, but walked to the money. That is one possibility, but does any evidence exist?

Unless LE looks at the period when RFG was being paid well enough to save money and when he liquidated assets (during his divorce), the question cannot be answered.
 
From what has been said by persons who knew him..can't see this man walking away from the people he loved or that he would kill himself and harm them that way either. MOO is that he was murdered and that it could have involved a case at work.
 
Here is a manuscript on the case written by someone who worked with Ray for 19 years. She gave a very detailed analysis of everything about Ray and this case. Its very informative and very interesting.

https://sites.google.com/site/gricardisappearance/gricardisappearance

Yes, this is an intelligent, clear-headed, brave and thoughtful analysis. I am particularly taken by her final point:

This, to me, is 'the rest of the story', the wall against which you come up in any attempt to find a theory which is based on individual conduct--whether it's conduct by Ray's family, conduct by his paramour or conduct of Ray himself. None of it serves to explain the secrecy and the resistance to outside help which has spanned the involvement of Det. Zaccagni, Chief Dixon, First Asst. Smith, Interim Chief Holliday, DA Madeira, AG Corbett, Chief Weaver, and I suppose now by Det. Rikerd. One giant across-the-board stand down.
 
Huh! I had never heard one scintilla of this theory.. Very intriguing. Thank you.
 
But we don't know why he looked at that...or even that HE was the one who did it. Anyone with access to the home computer might have done it. If he was going to disappear anyway, why wouldn't he just take the laptop with him and dump it in Idaho or Ireland or whereever he was planning to end up?
 
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