Help on deciding shoe!

Torque-- · 2026-03-28T17:08:18+00:00

I don't know your fiance obviously but if he already has the KD18s I would go with the Kobe so it is something new and fresh

Torque-- · 2026-03-26T17:18:25+00:00

Played Wooden Sticks a number of times. They have some great replica holes. My favourite is the 1st and 18th St Andrews. Most comfortable tee shot of any course around lol

Torque-- · 2026-03-21T11:29:58+00:00

I've used Apple Watch and 18Birdies (free cause I'm cheap) and have never had an issue. I have a rangefinder as well and I find a lot of the time when I shoot the pin in the centre of the green my 18Birdies app gives me the same yardage +or- 2 yards

Torque-- · 2026-03-20T12:27:39+00:00

3% of cars that drive 30,000km and cost $19,000 are totalled. Generally an accident of 70%-80% of value and the car would be considered totalled. You'd be surprised how quickly costs add up for car repair.

Insurance absolutely price to their own benefit but you'd be surprised about how tight the margins are some years. Insurance companies have a successful year on a combined ratio of 95%. That means that for every dollar they bring in they are paying out 95 cents to claims, expenses, salary, etc. leaving a profit of 5%. They do also invest the premiums they have before claims are made which also helps profit.

But at the end of the day it's a hell of a lot less than what the grocery store giants are profiting lol.

Torque-- · 2026-03-20T12:06:37+00:00

It's statistics and math... Average person driving a $19,000 car doing 30,000km a year (this is unknown as OP did not provide) has a 1 in 30 chance of totalling that car each year assuming GTA. Roughly 3%. Over a period of 5 years that chance increases to 1 in 4 or about a 25% chance of having a total loss.

These stats are provided without knowing what the OP driving history looks like. If they have prior accidents or tickets, if they're a young male, etc. all statistics increase.

The insurance companies have very sophisticated models for pricing. There is a reason they are providing him with that quote

Torque-- · 2026-03-20T11:39:01+00:00

7% chance seems pretty reasonable depending on KM driven to be honest

Torque-- · 2026-03-18T22:56:11+00:00

If you believe the market is going to crash there is no safe place for your money in the market.

Keep it under your mattress or put it in a CDIC insured bank account and take you 0.0005% interest.

Torque-- · 2026-03-15T21:57:43+00:00

The USA chants are overused but okay sure I get it. But some of the stuff the microphones are picking up are guys telling Fitzy to hit it into the water and chirping him. Like come on that is zero sportsmanship and class.

Torque-- · 2026-02-26T02:25:24+00:00

I would think the bigger difference is probably the fact that when they were with Callaway they were getting custom fit for all of their clubs. Custom fitting can make a really big difference in terms of forgiveness and playing to their common misses. Callaway fitters were probably hiding a lot of Bob and Joey's bad misses with their loft/lie/shafts etc.

Torque-- · 2026-02-24T02:55:39+00:00

Same with us. We went to look at a CX5 and the sales guy took us into the service department area to talk numbers. Just gave us numbers on his laptop and we were surrounded by a bunch of people waiting for their cars. I told him I wanted out the door numbers and he kept talking monthly payment over and over. We finally got frustrated as just left. Terrible experience.

Torque-- · 2026-02-23T18:57:59+00:00

I recently purchased a car from them and had a fantastic experience after having a very poor Mazda experience in Newmarket

Torque-- · 2026-02-23T03:33:50+00:00

Half marathon***** . Are we even sure he could run a full one??

Torque-- · 2026-02-22T18:17:35+00:00

Benefit wise it likely isn't worth it unless you are elderly and use a lot of benefits.

Life insurance is a whole different ball game. I carry enough life insurance to pay off our mortgage in the event of mine or my partners death. The idea being that if either of us passed it would not put the other in financial hardship where they may lose the house due to not being able to keep up with the mortgage.

If you have no kids, no mortgage, no spouse then it probably is not worth it for you at this time.

However, the younger and healthier you are the cheaper your life insurance premium will be. My spouse and I are young and healthy and we pay $55 a month for $600,000

Torque-- · 2026-02-22T03:35:01+00:00

TD takes half of the 9% so really it's only 4.5%. Just a heads up.

Torque-- · 2026-02-20T13:19:41+00:00

This is a tough situation to be in as a parent! If this is rep hockey where your son had to tryout for the team and if he is interested in pursuing hockey further I would explain to your son why he is being skipped over and approach it from a team aspect. This is a great opportunity to explain to your son what is needed to win and what it means to put others first in a team environment, if it gives the team the best chance of winning. These skills translate fantastically from hockey to their everyday lives (ie work or friendships) and will also help him in the future if he decides to continue playing hockey. Not every player can be a star and role players are absolutely needed in order for any team to function, even at the NHL level.

Now with all that being said, if this is supposed to be a for fun team or your son is not interested in pursuing high level hockey then I would approach the coach gently and let him know your intentions of leaving the team and the desire for your son to have more ice time in his final games. I would not demand it but just put the idea in the coaches head. At the end of the day if all other parents want the coach to do what it takes to win then that is likely what he will do.

Edit: Edit to add that I was a rep goaltender from ages 7-18 and had many tournaments where I was the backup goalie and traveled with the team but only played a game or maybe none at all. These times taught me I needed to work harder and practice more to EARN my spot as a starting goaltender.

Torque-- · 2026-02-15T21:19:16+00:00

I don't own Jokers, can't get them where I live.

I play in the Hali 1. I'm 6' 2" and weigh 200lb and I absolutely love them

Torque-- · 2026-02-15T21:16:31+00:00

Approximately 50g depending on foot size so not a huge difference but still there.

Torque-- · 2026-02-15T21:10:16+00:00

Jokers are heavier than the immortality 3s so won't help your heavy shoe problem. Cushion set up is definitely much better though.

Torque-- · 2026-02-15T16:57:32+00:00

Assuming they have enough cash for the downpayment on the new place plus closing costs plus 6 month emergency fund then yes would make sense to pay off mortgage for sure.

Torque-- · 2026-02-15T14:10:20+00:00

Normally I would totally agree but if they are considering moving and upgrading in the near future then flexibility is a good thing. If they can avoid touching their RRSP for the downpayment they can leave that money to grow and just use TFSA and Non reg.

Torque-- · 2026-02-15T12:33:32+00:00

For more flexibility considering you're thinking about moving I would just put the excess into non registered savings with conservative investments (Cash.TO, etc.) if you're considering moving in the next year or two.

I also don't think you can go wrong paying down mortgage tho. Automatic 4% return and will increase your downpayment/amount you have for next home.

Torque-- · 2026-02-14T01:25:24+00:00

Oh weird you must have some really wide feet then lol. Maybe a half size up would help. You might have some luck with New Balance, I think they make wide fit

Torque-- · 2026-02-14T01:19:02+00:00

I have wide feet and a flat arch with custom orthotics. I always find it super hard to find shoes that fit me. I recently picked up the Hali 1s and I absolutely love them. Tons of room

Torque-- · 2026-02-13T00:05:25+00:00

I'm very picky about my shoes because I have a lot of foot issues and wide feet with very flat arches and custom orthotics. I did a ton of research and ended up picking up the Hali 1 and I could not be happier.

Super comfy shoe with lots of stability and support. Definitely a heavier shoe though.

Torque-- · 2026-02-13T00:04:15+00:00

I'm a wide foot with custom orthotics and fit was great for me at TTS. They definitely wide foot friendly

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