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There are many odd traditions in college football and the sort of things that make casual fans scratch their heads in bewilderment are in many instances the exact same things that make extremely zealous fanatical fans love their favorite past time even more. One of the more odd traditions in college football is that the annual in state rivalry football game between Indiana University (located in Bloomington, IN) and Purdue University (located in West Lafayette, IN) has for decades been played for a rather unique trophy titled the Old Oaken Bucket.

To understand the rationale behind the unique title of this head to head match up the historical origin of the term must first be understood. The traveling trophy known as the Old Oaken Bucket actually dates back to the 1920s and is one of the oldest football trophies in existence. The concept for the trophy that is now battled for by two Big Ten Conference rivals was first thought of in a 1925 alumni meeting in Chicago. Both Hoosiers and Boilermakers alumni gathered to discuss the options of how to best commemorate the spirited rivalry between the two schools which are only located less than 115 miles apart.

The odd specific phrase oaken bucket is jointly credited to both Dr. Clarence Jones (an Indiana alum) and Russel Gray (a Purdue alum). The language in the resolution passed at a subsequent 1925 joint alumni meeting in Chicago and essentially stated that an «old oaken bucket» (oaken simply means made of oak wood) would be best because it was believed to be «the most typical Hoosier form of trophy.» In this specific instance the word Hoosier was not referring specifically to the Indiana University Hoosiers but rather to all Indiana citizens who are collectively known as Hoosiers. This would of course include the Purdue students and alumni who also fell under the umbrella of Hoosiers. In fact the state nickname of Indiana is the Hoosier State.

The origin and inspiration for the phrase old oaken bucket actually predates the 1925 joint alumni meetings between Purdue and Indiana by about one hundred years. Dr. Jones and Mr. Gray chose the term old oaken bucket in part because it is the title of a now famous poem that poet Samuel Woodworth wrote in 1817. Although Woodworth was an American from the eastern seaboard (Massachusetts) and not Indiana the eloquent words that he penned about the endearing memories he had for where he grew up were sentiments many Indiana natives could relate to.

Amusingly, the first game in this epic series ended in a 0-0 tie in 1925. Since then Purdue leads the Old Oaken Bucket series with a record of 56-23-3 against the Indiana University (IU) Hoosiers.

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Let’s talk about high school football official crew communication

It is vital that as a crew you have fluid communication between each position on the field.  This is significant for any level of football.  As a varsity football crew we break down our communication as follows:

Football Crew Communication Signals –

• Linesman and Line Judge (Wings) – A fist held straight out to the side – represents the nearest player off the line. This is used to communicate that their man is off the line – and signals to each other to count the players in the back field if both show this signal.  This is specific for an illegal formation – not enough players on the line.
• Linesman and Line Judge (Wings) – A palm to the cheek represents an unbalanced line – signaling to everyone to look for numbering issues, ineligibles, and position of players.
• All officials – Two fist crossed, signals two stakes – more than ten yards to gain for a first down
• Linesman and Line Judge (Wings) – When a play ends on the sideline – two arms held down with palms toward the sideline represents ‘Player out of bounds’.  Clock will start on the next snap
• Linesman and Line Judge (Wings) – When a play ends on the sideline – two arms held down with palms toward the field of play represents ‘Player in bounds’.  Clock is still running
• Linesman and Line Judge (Wings) – On a pass play behind the line of scrimmage the wings may have to signal the direction of the ball.  If the pass was backward this signaling is done by putting an open hand held straight out to the side.  If the pass was forward – no signal is needed.   This is critical if a backward-passed ball is recovered in bounds by the defense or goes out of bounds to mark the new spot for the offense.
• All officials – Starting the clock, this is done by rotating an arm in a large circle in front of the body (called winding the clock).
• All officials – Stopping the clock to indicate that the play progress was stopped out of bounds.  This is done by crossing the arms above the head two times.
• When a first down is reached the process is to stop (wind) the clock two times and then restart it .  This signals that the first down was reached and that the referee will start the clock on the ready for play.
• All officials – will rotate each fist over each other to signal that the next play will give protection for the snapper on punts, field goals, and or tries.
• All officials – some crews will pound a fist on top of each other to signal that after the next play we will stop the clock in unison – this is used as a reminder to each crew member.
• All officials will hold a fist straight up to signal that they have counted their respective teams (offense or defense – depending on the official) for eleven players.  This is done to signal that there are not too many players during a play.
• It is vital that you communicate as a crew to how the signaling is done. Signals need to be consistent and should be discussed during pre-game.

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What do you think would happen if most people spent as much time planning their retirement and investments each year as they spend watching football? I suspect we would all have a lot more money, be better prepared for retirement, and maybe even be able to afford tickets to the Super Bowl every year.

Steve Roberts, with nearly twenty years of experience in the financial industry, knows that most people – including himself – would rather play or watch football than the stock market. After all, Steve himself was a three – sport letterman in high school, lettering in football, basketball, and baseball. He was a member of Ricks Junior College football team, and today he coaches youth football. But that doesn’t mean he doesn’t value financial planning and realize its importance. What it does mean is he had the brilliant idea to write a book about financial planning using football metaphors to make the topic not only more interesting but easier to understand for his many readers.

Steve breaks down his new book, «Football Financial Planning,» into three sections: Defense; Offense; and Coaches, Special Teams, and Systems. Then in each section, he discusses a valuable asset for your retirement or investing portfolio, and he compares that investment to a player in football. For example, he compares auto insurance to a defensive tackle and universal life insurance to an outside linebacker – these are players on your defense because you need them to protect your assets. Players on your offense include the center (your checking account), a right tackle (fixed annuity), and a tight end (bonds). Steve realizes that you may not always need every player on your team, but he walks you through the benefits as well as disadvantages of each player so you can decide whom you do want on your team and how you can use those players to create the best possible game plan for yourself.

I’ve read several financial planning books in the past, and they all are helpful in various ways. What makes Football Financial Planning stand out is not only that the football metaphor is fun, but that the way Steve breaks down the team makes each player or financial tool very easy to understand; because each player/investment product is a chapter by itself, the book is also accessible for referring back to and finding specific items later.

Steve makes the discussion easy to follow, and he really made me think about the different financial options out there and why certain ones would be great assets to have on my team while others would not. In the end, he reminds us that each of us is the team owner and even the quarterback of our own team, so we have to make the decisions on the plays.

As an added bonus, Steve provides play charts for avid football fans so they can see how their financial offense or defense adds up. At the end of each chapter, he also provides a short chart or worksheet for the reader to fill out, asking questions about things such as insurance deductibles, projected cash value, or income so people can write all their information down and keep it in one easy to find and remember location, as well as evaluate the different possibilities that exist for their financial game plan.

In the end, Steve’s entire system boils down to determining what system or philosophy works best for you because no one team will work for everyone. Steve highlights this point with the following story:

«To win a game (score big in your investments), it is very important to have a system (philosophy) that matches your quarterback’s abilities and talents. One university that has produced many great college quarterbacks is Brigham Young University (BYU); however, not all of BYU’s great quarterbacks have had success in the NFL. I once heard BYU’s former coach, Lavell Edwards, say that he believes Marc Wilson, one of his great quarterbacks, would have been more successful in the NFL if he had played in a different system. The point here is you need to make sure the system and philosophy your coaches implement matches your needs and abilities. There are systems out there that others are pushing and selling that work for most people, and they may work for you, but they may not be the best fit for you. Some examples of systems that people may be pushing are to buy an outside linebacker term life insurance and invest the rest in mutual fund running backs. This person’s system may also include telling you never to buy a variable annuity. Every person’s situation is different, so everyone else’s team may look a little different than yours; the important thing is to find the system and coaches that work for you.»

Whether you love football or you just want to get clear about your financial situation and be prepared to score a touchdown to win the game when it’s time to retire, Football Financial Planning can give you the tools you need now to create the investing system that works for you. Then, when the game is over, you will have a great nest egg to last you for the rest of your life.

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American and Canadian football both descended from rugby and began in Canada as a game played between British soldiers garrisoned in Montreal. The soldiers played a series of games against students at McGill University. McGill played several games against Harvard in 1874 and a tradition was born. Despite their mutual origins, the Canadian and the American game developed differently and now have substantially different rules and regulations.

The biggest difference between Canadian and American football is the size of the playing field. In Canada, football fields are 110 yards long and 65 yards wide. In America football fields are 100 yards long and 53 and 1/3 yards wide. The goal posts in Canadian football are placed at the front, rather than the back of the end zone which is also deeper in Canadian football than American.

Canadian football teams have twelve players as opposed to the eleven on American teams. Because the same number of players is required at the line of scrimmage in both games, this results in an extra backfield player on Canadian teams. This means that the typical Canadian offensive setup has two slot backs instead of a tight end and on defense, two defensive halfbacks and one safety instead of two safeties as is typical in the American game.

Another difference between the two games is the number of downs. Instead of four as in the American game, Canadian football has three. This results in a more pass and kick oriented game since there are fewer downs available for short-yardage running plays. The kicking rules are also slightly different with the kicker being able to recover and advance his own kick. For this reason, kicking is a much more integral part of Canadian football than American.

The biggest difference between the kicking rules in the two games is that there is no fair catch rule in Canadian football. In American football, if a kick returner thinks he will not be able to advance the ball after recovery, he can signal for a fair catch and be immune from contact. In Canadian football no player on the kicking team except the kicker and any players behind him on the field may ever be within 5 yards of the ball unless it has been touched by an opponent. Also, in Canadian football any kick that goes into the end zone is a live ball, except for successful field goals.

There are other minor differences as well including scoring, motion and time rules but they are not as significant as the major differences noted here.

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Let’s talk about pre-game communication with coaches and school personnel. Some people think we just walk on the field and officiate the game, right? Wrong!! Today I will talk about the pregame routine and all the details we address as a high school football crew.

As a rule, we like to be on the field at least 35 minutes prior to kickoff time. During this time members of the crew should meet with each team’s head coach and follow these rules of communication:

The High School Football white hat (Referee):

* Does most of the talking

* He is your ‘General’ – please allow him to maintain that level of respect and professionalism

* He will introduce the crew members

* Everyone shakes hands, showing the head coach respect

* The referee asks the head coach if all players are legally equipped – do all players have the proper playing equipment?

* Do any players have any casts that may require a doctor’s approved note to play?

* Do any players have any wraps or braces that need to be examined for metal or sharp edges and for proper padding (safety concerns)?

* If there are any casts, wraps or braces the referee instructs the umpire to review them for proper padding

* Does the team run any special formations or trick plays so that the crew knows ahead of time to watch for them?

* Does the team’s quarterback throw left or right handed (so that the referee knows which side to be on for the quarterback’s protection)?

* Is the team’s field goal kicker left or right footed (so that the crew knows their positions on field goals or extra points)?

* The referee states any special points of emphasis this year – sideline clearance in the players box, horse collar, etc.

* Does the home team have any special activities prior to the game or during half time that may take additional time?

* The referee will give the coach a card with the crew’s names and positions

* The referee will ask the coach who is the ‘get back’ coach – this is the coach who helps the side line official control the team box

* The referee will ask the coach to identify the game ball person

* The referee will then ask the coach if he has any questions for the crew

The High School Football Umpire:

* Assists the referee when meeting with coaches

* Allows the referee to do most of the talking

* Reviews any documentation, i.e., doctor’s notes for any players with cast or wraps

* Reviews padding for casts, wraps or braces to assess the proper protection for player safety

The High School Football Linesman

* Checks the «line to gain» equipment for several things

* Checks that the chains actually measure 10 yards (or 15 yards for 6 man) ( don’t laugh, at times the chains are too short!)

* The linesman communicates with the chain crew:

• He explains what they should do and should not do
• He tells them to never move unless the referee or linesman are signaling to move to the next ball spot
• He tells the down box person to move to his spotting foot each down
• He tells the down box person to manage the chain clip (for measurements) each first down
• He tells the down box person where to place the chain clip
• He tells the entire chain crew to never move the chains or down box if they see a penalty marker
• He tells the entire chain crew to drop the chains (another reason for the clip) if play comes their way

* Do the chains have a piece of tape directly in the middle at the 5 yard mark?

* Now why would you ever need a silly piece of tape in the middle of the chains?

• It helps the linesman and referee determine whether the penalty will result in a first down
• The tape makes it easy to know if a 5 yard penalty or penalty inside the 10 (half the distance) will give you a possible first down
• As the referee you don’t have to guess, you can view the tape and know if a 5 yard penalty gives you a first down
• We make a point to replace that tape every game

The High School Football Line Judge:

* Secures and reviews the game balls

* Communicates to the ball person to always stay near the line judge and linesman for quick ball rotation when a ball is needed

* Communicates with the ball person to always retrieve the game balls when they go out of bounds during plays

* Communicates with the ball person to place a ball behind the goal posts prior to an extra point so that the ball is ready for the crew

* Reviews the starting time

The High School Football Back Judge:

* Is responsible for the game timing

* Is responsible for the 25 second clock – timing when the «ready for play» is signaled

* Is responsible for the 45/15 second clock for time outs and between scores

* Is responsible for:

• meeting with the clock operator
• communicating the signals to the clock operator
• communicating the overtime procedure with the clock operator
• communicating to turn off any horns at the end of the period timing
• communicating with the clock operator to look for him to start the half time clock

As a crew, you need to be sure that everyone knows their pre-game responsibility. This will help you maintain credibility with the coaches and school officials which will lead to a much smoother game for everyone.

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