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)


A further update; it appears they would rather have a fox run the chicken house.

…. since most of my friends voted the way they did, I really had to get to the root of what they really were voting on. using my thesis that “you would never let your family do business with him or yourself do business with him or put yourself in a compromising position with him”,…


I may have sorted this out for myself, and why the election went the way it did.

We all live in our own little bubbles and have our own …. biases. I have them. I would never do business with someone who bankrupted over … 6 corporations declaring bankruptcy … closed 15 companies. Many with unpaid contractors …. I understand 1, but more than that is malicious. 2. I would never relate…


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…


and then there was Gracie.

Gracie is a border collie. She was going to be adopted by us and she came over for a visit. She was a small one, not so long legged and a little bit of a scaredy-cat. Within our first 10 minutes, she had a run-in with Clyde. Clyde has a backstory, once upon a time…


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,…