These are my Theories. They are rooted in a life well lived, at least I think so. They operate on the ROI platform and have done so for almost 50 years. Originally done for my entertainment, for my kids, and then a long line of others who gave me their theories. These are real and lived. My latest hobby, WSJ and NYT Comments … It is fun playing judge and jury.

(Such a first world way to live, embarrassing)


So the dogs got together up on the coast ..

So the dogs got together up on the coast .. Hear No Evil, See No Evil and Say No Evil. Their leader for this has been forever changed, by that sassy pup, from Hopkinton. The 2 of them just cannot get enough of everything. I got my lead on this, from Princes Grace, the border…


Why does the weather seem so important ? … and why do people of a certain age(who do not ski), stay up north ? …. and why do people get sick of my constant pressure to ditch and go to warmer climates ?

I am in massachusetts, for just a few days and while I was considering my dates the first thing I considered was how sunny ? is it going to be while i’m there … Once I saw the sun icons, I started making plans, kids, siblings, business stuff, plane tickets ohh my ! Second –…


Old Howard Theory, AJ Theory but it still lives. “It is not what you know, but who you know”

While we visited camp for the first time back in July of 23, to close on the house, we were simply playing PB during “open play”. It was fun, enjoyable and Stone Creek has a big group – and they were putting the finishing touches on 8 new courts. About 8 weeks later I went…


Adult Camp. The inevitable has fully arrived.

When I was young, maybe 6 or 7, I remember driving to Florida, sitting in the way back of a Ford station wagon, (no seatbelts or even concerns back then .. just a pillow and blanket.) We left West Hartford early in the morning to get by NYC before the traffic began. It was a…


WSJ, section piece on Luck.

My comment – Luck is everywhere. Look in the mirror, consider your life and those closest … honestly. If you believe you are wholly responsible for you success or failure, you likely won’t believe in luck. Without ruffling to many feathers, consider the who, where and when you born and how opportunity really starts. No…


WSJ – retirement – save it or throw it – The Yoders.

Read anything on the Yoder Family and their history, it is a “life well lived ” They will do retirement just the same. Really good. There are 2 schools of thought on stuff, and a whole lot of emotions between. A) Save it all, look at it and smile, great memories. B) Thin it out,…


First batch …

Hope K, Howard K, Shelley Ames K, Susan Canavan, Ethelyn Mason Canavan , Isabella Elliott Howard / Josh Elliott Howard and Frances Kelley WH 1960 Howard & Francis mid to late 1920’s Wedding Wethersfield CT Sean, Canavan and HowardJKelley 2022 high Michael & Mary Kelley Family 1930’s Kelley Family Stamford CT, 1916’ish Addison J Kelley,…


Picture of oldest relative on the Kelley side. My great, great grandmother.

The Mother of Mary Kelley


From WSJ – The Glory Days of Bruce Springsteen, and Me.

Not sure where to start …. 1) First time I heard the music was from my older sister. 2) Great story teller. (That was his job) 3) Good long career. (That was his job) 4) Very good businessman. (That was his job) 5) He is very succinct in the Broadway show. “I made it all…


From NYT opinion piece “The Art of Being a Morning Person (Even if You’re Actually Not One)

Too many of the comments were of a serious nature which always compels me to a strong , but humorous opinion. I saw this at 5 am. Sturbridge4m ago As one of those earlier risers, my bias is simple, “you snooze – you lose. ” Funny part is, I married someone similar and just yesterday,…