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[email protected] and now here's your host, Leister. A person of interest caught with the United Health CEO.
[00:00:25] A person of interest, of course, means that they suspect and they have reason to believe that this person was involved. But they don't really have anything firm yet.
[00:00:34] Mostly they're going off of the way the guy looked. However, when they apprehended him, he seemed to have a lot of things on him that were rather suspicious. A gun that matched what was used, attire that matched what was used, a mask that matched what was used, a lot of suspicious things. But if you look at what the person did, Monopoly money, left a bag at the park and the method of escape.
[00:01:01] I was talking to somebody and I said, you know, this is when you look at, if you just do the analysis. And I've been right the whole time when I'm breaking this down. And I called it like a week ago when this all started, not a week ago, but you know what I'm saying, when it started, I said, this is a game. This person, it's a game. They're there too. It's too methodical in what they're doing. If you look at the way that they took shots, what they aimed for a calf, you know, the leg. Why would you do that? Well, you want them to feel pain. So from a psych psychology perspective, right, you want them to feel pain.
[00:01:40] People said, why not shoot them in the head if you want to kill them? Because killing them, that's after the fact. The pain part is the first. You want them to feel pain. So I speculated, you're dealing with somebody who's either an ex employee or somebody who had been harmed. And then this goes to what I was going to talk about today, which is social media, which I avoid. But then the news is talking about some of these posts and how so many people are celebrating what happened to this guy, the CEO. And I'll tell you that, bottom line, I worked at a company, insurance company full time and I when I heard this, but also other things, there was other things that was negative. But when I heard this, it made me cringe. But I remember I went through the training when I first onboarded and they said, we are here to collect premiums and find a way not to pay claims. That's what insurance is. We collect premiums and find a way not to pay claims. And I knew that was the case and I forgot my own misgivings about different things, but I knew that was kind of the case in that. But I didn't realize they were so blatant about, okay, this is what we do in insurance. And that may be state specific at that time. I don't know. That was a while ago, quite a while ago that they told this to me. So I'm like, okay, so what you're saying, and just to clarify for people that think I'm trashing it, I want to be, I want to make sure I'm telling you what they're meaning. What they're meaning is if you look at every insurance policy for provision of insurance, there's all sorts of. And most people don't read the terms and that's why they don't know this, but every single insurance policy, there's all sorts of exceptions to the rule. Things they won't pay for, things they won't cover. I would argue that the auto insurance industry is less egregious about this. Like you're really looking for at fault when you talk about like a deer on your windshield or something like that. It's a lot more, it's a lot easier to get those claims paid or if you get in an accident, you know, somebody rear ends you or something, it's easier if you have the right kind of coverage. They want you to pay for the right kind of coverage. And I said for auto specifically, if we look at the three different types of insurance and I'll get back to this, United Health in a situation, it all ties together. But if you look at the different types of insurance for auto, and I'm targeting auto liability insurance, what does that mean? It means you did something right, you caused it, you were the cause and as a result something's got to be paid out. That's a liability insurance. You get comp and collision.
[00:04:17] I basically said that collision in my mind, collision should be. There should not be an upfront charge or an upfront premium for it. It should be the moment that something happens, that's when they're going to nail you to the wall if you're responsible for it. Right. And I felt that comp. Comprehensive should be included in any sort of living insurance that you already have. Because the idea is, you know, theft is, is covered under comprehension as comprehensive. As an example, other types of damage to the vehicle that are not related to like a moving situation, you know, something hit your, hit your car, a tree. I just thought depending on where and I know why they don't do it because the car could be in the middle of nowhere, nowhere near your property. And for them, it doesn't make any sense if it's nowhere near your property that we would do the coverage. So I get it. I just felt from a efficiency perspective, that's how it would be. But they break it out, so they're separate ones and they force you to pay these premiums. And if you think about the nature of a premium, the premium is you paying for constant coverage and you're paying into the coffers of the insurance company. But you may not have an accident, period. Most people, the liability is least value when you're young. The inverse is true. When you're young, the liability is of greatest value because that's when you have the higher probability of causing a wreck. When you get older, you have less of a chance of causing a wreck. I remember my grandparents, she had a car, I believe it was a Buick. And I can't remember her getting in an accident for the duration that I knew. And that was a long time, you know, in terms of even getting in a wreck to begin with, much less causing an accident. But I understood that when you're younger, you know, you knew about driving, you don't know much. And of course, in the current era, we got text messaging and all this garbage, which increases the probability that you're going to cause a wreck. So I know how the game works, and I understood. But the, you know, the system doesn't work that way. It wants you to basically pay all these things and liabilities required in pretty much every state at this point.
[00:06:20] But the premiums, they're just accumulating, accumulating, accumulating. So you see billions and billions of dollars for these CEOs, for these insurance companies. Now let's switch over to UnitedHealth, which is, of course, on the medical side. The medical claim system for a long time has been adamant around denying claims. They'll just actively deny claims for no real valid reason. In some cases. There are stories, countless stories about terminal patients, people that are, you know, cancer, or people dealing with great pain or people dealing with seizures or something else. And claims are denied. And then sometimes you'll find unconventional types of care elsewhere. And the claim companies, they won't pay this. So you're having to pay out of pocket. Well, I always said that with the inflation and the financial situation that we're dealing with, that's what we have to contend with, is money has to flow out of you on a regular basis in Those situations, you don't expect it to. And insurance is one of those where you would expect some sort of coverage, but you may have to come out of pocket, which is why I said that you always want to. You know, for me, renting is a scam because it takes away money that you could otherwise be using as either equity or savings on a lower mortgage. Let's say you had a little condo or something for those incidentals, things that come up where you may have to pay out of pocket and you cannot bank on insurance. I think this is a theory most of the younger folks don't understand.
[00:07:43] You can have all the insurance in the world, but sometimes it's just not paid for. That's just the truth, that they may deny the claim. If they deny the claim, you're probably going to have to pay out of pocket. If you don't have a way to accumulate some extra money and toss it away, that rhymes, you're going to run some problems.
[00:07:58] So with the United Health Care, there's countless stories, people celebrating what happened to this guy, mostly because United Health has been notorious for denying claims for spurious reasons, or at least they believe spurious reasons. So there, there are people that said, we're not going to help you find the guy. We're celebrating. This is karma, jokes about, hey, this, this is not medically covered or whatever. There was a therapist who even said, this is not covered or it's likely not going to be covered for trauma or something else. So I, for me, as a personal opinion, you never want to see. I've said I don't want to see somebody just get straight up murdered. I do acknowledge another point that somebody made, which was, you know, people, they die all the time, right? There are murders all over the place. There's killings all over the place. There's stabbings all over the place. There's all sorts of these incidents. The only reason this guy is getting any kind of play is because he's wealthy. I do think there's more to it, though, because as a CEO of a major corporation, part of the problem is, is that that may cause a risk. You don't know if there's some larger risk to executives in the organization. You don't know if there's larger risk to the shareholders. You don't know how big the picture is. In this case, it was clear this is a targeted situation. He was going after this guy specifically. There was no way to assume it was a larger scale something. He just wanted to go after this guy for whatever he did.
[00:09:18] And I speculated that, again, there's a personal vested reason why he did so, whether it was an ex employee situation or somebody denied care. And the denied care comes up as a very strong probability because so many people believe that UnitedHealth was denying claims left and right, but we had never seen something this brazen. One of his ex. The person that was shot, one of his ex. Security came out and said, it doesn't make any sense that there was no security around this guy, because normally you have security that's out of sight, that's watching his back. You also take alternate routes to get in and get two buildings. And that didn't seem to be the case here. None of it made any sense. And I suspected, in my opinion, that the shooter, if it's this guy that they've got as a person of interest, was around the CEO and knew the pattern and knew the schedule and knew all this stuff. I could be wrong. But if you look at it, there's no logical other answer other than this guy had some. Had to have some in the know because he was too precise. It was too clean. The escape route was too clean. It was too well planned out. He was planning this for a while.
[00:10:18] The news was talking about how he had looked. The shooter, the person of interest, quote, had been looking at the Unabomber manifesto. And I talked about the Unabomber manifesto some while ago, and I hope they're not trying to use that as evidence, because I want to state Unabomber manifestos actually taught in some colleges. And the review that they were talking about was pretty benign. He just basically said, the guy, Ted Kaczynski, he predicted the future. He was right about what he said. That's not wrong. There's nothing wrong with that. There's nothing. There was nothing extreme. It felt like they were looking for some sort of extremist point of view around this. And he had no extremist point of view. He was just making a statement about a work of art, essentially, that's taught in schools. I mean, it's taught in colleges. You can't dismiss it. It was printed in papers, and it's open for analysis. And they said the review was on Goodreads. If you don't know what Goodreads is, it's a place where you can write reviews about different books, and it makes recommendations based on your reviews. So they said, well, yeah, good reads is part of the investigation. I mean, can you imagine a world where you can't even review a book without law enforcement treating you like a criminal because of the nature of the book, even though said book is being taught in colleges and therefore in some cases required to write some sort of essay or write up about what they see, which is critical in its nature. So I, I'm hoping that they're not using that as any analysis and I wish they hadn't printed it because I think it's moot. I don't think it's relevant. To me it's simple. I don't think there's any extremist action to this other than the fact it was brazen. I think it's really just some sort of personal something that this guy had and he felt like he wanted to do it. The fact he shot him in the leg first to me says he wanted to have the guy feel pain. The fact he shot him in the chest means he wanted him to feel pain and then decided to kill him after he felt the pain. So if I'm right, and I can't say I am, but if I'm right, it means that ultimately the guy wanted this person to suffer, he wanted the CEO to suffer for some reason and then decided to kill him after the fact. I don't see extremist. I didn't see in anything that I saw in the write ups. I didn't see any extremist anything. I didn't see that he's a nutcase. He seems pretty calm, cool and collective. Flirting allegedly with one of these people at the front desk chose to smile on camera. These are not the actions of somebody who's completely lost their mind. So in looking at that and seeing the reactions of people online where they're just basically saying, well look, United Healthcare CEO, that's what you get for denying claims. And people who's family member died because of denied claims and everything else. It's opened up more conversation around health care and the denial of claims. And the reality is that we do need reform in multiple levels. We need reform in the insurance business, we need reform in warranties, we need reform in education. There's a need for reform all over the place. If it's true that there were valid reasons for denying the claim, and I questioned some of them that I heard and I wasn't there, but I questioned some of them that I heard. You know, things like, you know, somebody had a seizure and we denied them certain medications, I wasn't there, but that seems kind of odd to me. But now we have to reflect. This is not something we should celebrate. I don't think somebody getting shot, no matter how much money they have, or what title they have. I don't think we should celebrate it. At the same time, I think it warrants opening an investigation because if it turns out that this person went nuts because of some denied claim or something else, I would like to see more investigation into a pattern of denial of claims. If we see that there's a pervasive pattern of denials of claims that are improper, then I would love to see an overhaul of the industry at large. But I want to see that we do more than just reacting to the books the guy read and trying to justify it in our mind. It again, it may be just as simple as it's an ex employee that was fired because, remember, United Health laid off a bunch of people despite billions and billions in revenue for the shareholders. So it could be an ex employee that was disgruntled. Do I think that's the case? No, but it could be. We don't know. I just said he's associated with the guy. So again, could be simply just some nutcase, had a claim denied and went postal. Could be somebody just playing around. I mean, the guy had Monopoly money in his bag, so we don't know exactly where his mind was at. I just said I don't see extreme. This was too practiced. It was too precise. It was too specific. It was too. It was too well performed. Like, it almost felt to me. He knew the routes, he knew the escape routes. He knew to get on the train, he knew to get on the bus, he knew where to go. But he, at the same time, he seemed a little bit too calm during the whole process, where I suspected he knew he was going to get caught. He was okay getting caught. He just wanted to send a message. That's what it seemed like in everything that I saw. And I'll just say again, I am not advocating anybody go out shoot somebody because of whyever that is. I. But I want to see that there's some sort of review into the denial of claims. If it turns out that the guy was just he went postal because of a denied claim, it may shine a spotlight on the industry a little bit and help to expose it. And if we do see there's a pervasive pattern of these things, especially when you're dealing with terminal care, I would love to see that more investigations done, especially in the new administration. Will that happen? I'm not sure.
[00:15:24] Then what happened in Syria I don't want to spend too much time on. It's on Joe Biden's watch because he's still the president. This has Nothing to do with Donald Trump. This is on Joe Biden's watch. The Syria situation is an interesting one because 50 years on that regime, 50 years, and then it crumbles, you know, and the United States, United nations have claimed they're a terrorist group. So we have accepted that basically it's under terrorist control is Syria at this point. We have to see this close, you know, with the removal of Joe Biden and the addition of Donald Trump, how things change. Trump came out and he felt like, you know, we shouldn't get involved with the Syria conflict and situation and kind of just let it play out. And I think he's more focused on the Ukraine slash Russia situation, which I actually agree with, because I do think that the Ukraine Russia situation is more damaging to the United States in the long run than the serious situation. Not to suggest that we should have any sort of conflicts or that we should welcome them, but I do think that the Ukraine, Russia situation is more harmful overall. I also need to see what Donald Trump will or can do with the South Korea and that idiot declaring martial law out of nowhere, threatening impeachment. Like he just completely went balls out, nuts. And I, I would love to see what Trump's going to do when he does get into office, assuming he makes it that far, and by which, I mean, he's older, right? So we can't know what's going to happen to somebody. We expect that he'll last the four, but maybe he doesn't. And what does that mean? Because it's a different. It's a nervous time. The economy is reacting positively, obviously, but it's a nervous time. International is not settled. We're not in a good spot there. And we have to see what 2025 is going to look like in the big picture. And I am, I'll say, cautiously optimistic, I guess the best term to put it in everything that's going on. I'll close out with some good news. I, I don't know if it's good news, but just some personal thing. I'll leave the personal for the end because, you know, I wanted to get that United Health done and dusted. I just had a SOLA tube installed. This is not a paid ad. I'm not shilling for them. They didn't pay me anything. I'm just telling the story. I got a SOLA tube installed to try one out. This is in my hallway. It's a dim, dim, dim hallway that leads out to the back. And I'm going to be putting a patio door to replace to enlarge the door that's there. But I figured I would try the solo tube out and kind of get a sense of it. I don't like it so far, and I understand what the problem is. There's two primarily. Mainly three. But I'll say two things that if you are considering solo tube, and I'll tell you what it is in a second, if you don't know. But if you're considering solitude, there's two things you want to make sure that you are crystal clear on. Number one is the location of it. Compared to your sloping, your pitch of your roof, it plays an important factor depending on the time of the year. So if you're like, we're in winter right now, so you're not going to get as much sunlight. We had a very sunny day today, but because of the pitch of my roof, the sun had already went beneath the trees before it had a chance to really hit the placement of the. The tube top. I still got light, but not as much as I expected. And then the second thing to consider is when you do the installation, the location may not be within your control, so you may not be able to put it where you want it. Now, I had asked the guy to put it in a very specific place, and at first he was pushing back on me because he assumed that the, you know, there was a limited amount of space in the attic, whereas this is like, you could actually turn that into another room if you really want. It's larger than I think he thought. And he was kind of fighting me a little bit. And then after the fact, he realized, oh, yeah, I could have. When he drilled the hole in the roof, he's like, oh, I could have put it up there. Yeah, whatever. So the location really matters. The location of the roof compared to where the sun's going to set and the location of where you want to put it. And make sure you're firm if that's where you want it and you're confident there's space there, because you have to have a mostly clean line of sight straight from your location to the roof line. Be adamant, put your foot down, tell them that's what you want to do. And then the third one, which isn't a big deal, but I call it out, the. The light is a little bit on the cool side. So it's not a warm, necessary light unless you're getting direct sunlight. So if you're not getting direct sunlight, it's indirect. It's going to be a cool color, which may bother some people. Because some people may expect like a yellowing, but unless you're like in the middle of summer, you're not really going to get that. So just FYI, I'm not going to suggest it for everybody because some people. I don't think it would work for every single person. I personally like it. I think I'll like it long term. I don't like it now, but I think I'll like it long term.
[00:19:56] But I understand. I don't like it in the area it's at. It's okay because once I get the patio door, it'll become moot and it'll just be additional lighting on top of the patio, forward lighting. But I don't like it where it is. I thought about getting additional ones in the living room. The stairwell. I haven't committed on the stairwell yet, but the stairwell really could use it. I think it would be a good fit for it. The living room really could use it because it doesn't have its own independent source of lighting.
[00:20:26] However, if you're going to consider solar tube, here's what it is. You might. You probably know what a skylight is, right? Skylights, nothing more than a cut opening that comes down from the roof to into a room for natural lighting. A solar tube. The difference between it and a skylight is that a solar tube, it doesn't matter if it's an internal room. You can route it into the internal room and you don't have to have a perfectly direct line of sight. Like there's ways that you can do, you know, angles and that sort of stuff. And it reflects the light down a channel. It's a reflective channel down into the room. So let's see, you have an interior. Let's say you have a first floor, first floor hallway, single story home. And you want to just edit the dark hallway somewhere. Almost everyone has. If it's an older home, you can add the solar tube, pump it straight into that hallway to get natural light in the hallway. Obviously that only applies during the day. They have other options inside like a solar night light. Like mine has a solar night light. So right now it's on so that you can see without having to turn the lights on. In addition, you get a solar credit from the IRS. So it's 30% for anything that saves on the electric bill. There's a specific form 5695 where you can apply for solar energy credits. So there is some financial benefit. But I would only recommend it if it's something that. Where you knew I want it As a. And you can always, you know, patch the hole if you didn't like it. But to me, it's one of those you really want to commit to. It's going to cost you about somewhere between, you know, eight hundred and fifteen hundred dollars, depending on all the fixings that you do or don't want in it. But you really do need to commit to it. You want to make sure that it's something that you are committed to. In lieu of other lighting, some people said I'll just put LEDs, which is fine. The only downside of LEDs is of course it assumes you have power in your home. You, you have a generator, maybe you're good. But I wanted something where it didn't necessarily depend on power. If the power goes out, I have some source of lighting and I plan to have that at least for the kitchen to where there was some natural lighting throughout the kitchen. As I'm doing the kitchen renovation, I'm kind of prioritizing that one. And it seemed like natural lighting and excess of natural lighting was the right fit to get the kitchen where I wanted to be. So that's my positive story I wanted to tell to get away from the garbage. That was the, the shooting and everything else. So I'll be back again next week and we'll wrap up. I've got another tale to tell and I think you'll be intrigued on what that's doing. And again, I have not forgotten, owe you a coffee review that that's delayed a little bit because I'm taste testing. I'm trying out some different brands and I got some other. Some other stuff. Plus I have to clean up my coffee maker, get it up just enough and then we're good to go. We're back in business. I also have another book that I'll be talking about here on an upcoming episode. Keep on tuned for that one and I'll check you out next week.
