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Howard Bogach: From Rupertsland to Richview

By GERRY POSNER From Rupertsland Avenue in Winnipeg in 1953 to Richview Avenue in Toronto in 2023, some 70 years later… that is the quick story of Howard Bogach. But in those 70 years, there is so much in between.
The only child of Frank and Anne (formerly Snyder), Howard grew up in a family that was for a long time in the sunflower seed business, in a company called Tasty Seeds. The business had been started by Howard’s grandfather and his three sons: Abe, Maurice and Frank.
Howard was a graduate of the Talmud Torah, Jefferson Junior High, Garden City Collegiate and later the University of Manitoba, where he finished with both a Bachelor of Arts in 1975 and a B.Comm (Hons).
In 1977, at the age of 24, Howard took the first step in his career when he moved to Calgary. He began at the Bay in various positions from 1977- 1980, then moved on to Touche Ross, also in Calgary, for five years, where he was a senior consultant and a supervisor regarding insolvency.
In 1985, he moved into the credit union world and that was a move that proved especially significant. Howard became the Vice President of Human Resources and Administration for the Credit Union Deposit Guarantee Corporation in Alberta. He remained with that organization for seven years before joining Capital City Savings in Edmonton. Capital City was at that time Alberta’s largest credit union.
Howard helped Capital grow even bigger before he left in June of 1994 to take on an even larger job with Metro Credit Union in Toronto. It was here that Howard really emerged as a major force in the credit union world and indeed beyond. He became the President and CEO of Metro which, at that time, was the largest credit union in the GTA (Greater Toronto area), with over 44, 000 members, 250 employees and assets of over $600 million which, back then, was a large chunk of change (even now I could handle it). Howard steered Metro for over 10 years, growing and initiating new programmes and introducing services like Internet banking. Not bad for a West Kildonan product – not bad at all. (Ed. note: Just because you’re from the south end, Gerry, doesn’t mean WK was another Chelm.)
In June 2004, and for almost the next four years, Howard became the President and CEO of Credit Union Central of Ontario (CUCO). That institution had no less than 125 employees and was a $2.2 billion wholesale financial services provider. It also acted as the industry trade association, supporting over 160 member organizations. In 2008, it merged with the BC version. All of this occurred during Howard’s tenure.
In March of 2008, Bogach took a decisive step, deciding to leave the credit union movement and become the President and CEO of Tarion Warranty Corporation. This was and is a private company established to protect the rights of new home owners, as well as regulate builders. The company administers the Ontario New Home Warranty Plan Act, which provides protection to the thousands of new home purchasers in Ontario.
Among the many achievements that occurred during Howard’s presidency was the introduction of a New Home Buyer Ombudsman to address issues of perception of fairness. Bogach continued in his role at Tarion until the end of 2019 when he left to form his own company, called the Howard Bogach Consulting/Richview Group. Thus, If you look at the long Howard Bogach career, you can tell that the tasty seed that his grandfather and father bega ultimately germinated into a full grown plant with lots of leaves along the way.
At the age of 70, Bogach, who is married to the former Shelley Dichter, also from Winnipeg, is the proud father of three children, all accomplished in their fields, including a son and a daughter who are both lawyers and a daughter who is a surgical oncologist in Hamilton. Howard and Shelley now have five grandchildren. Even though Howard has now been in Toronto for close to 30 years and gone from Winnipeg since 1977, he still has very strong feelings for his home town. As the oft-used cliché goes, “You can take the boy out of the north end, but you can’t take the north end out of the boy.” In fact, he is still a staunch supporter of the Blue Bombers and Jets.
Howard also serves on the Board of Home Ownership Alternatives, a non-profit organization focused on affordable housing (We could use more of that.), as well as on the Board of Stashower Slipia Congregation. Howard was also for many years a basketball coach for many years at the Bathurst JCC.
What intrigued me at first about Bogach was how random our meeting was in the first place. I chanced upon him in Toronto one Sunday morning recently on the Pickleball courts. One conversation led to another and before we knew it, we had much in common. Now, if his ability to play Pickleball takes off as much as did his career in business, Bogach has a bright future ahead of him on the court. Unfortunately, I told Howard that even though he indeed had a very successful work experience in so many ways, his Pickleball game has not quite achieved that same trajectory. But his game is only in the embryonic stage. Knowing Bogach as I now do, he will improve. Do not bet against him.

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Every Rick Owens Sneaker You Should Know: A Complete Ranking

I’ve spent an embarrassing amount of time thinking about Rick Owens sneakers. Comparing soles in browser tabs at 2 AM, reading forum debates about leather quality across seasons. But it’s turned me into the person friends text when they want to know which pair to buy first — so at least it’s a useful obsession.

The thing about Rick Owens eu clothing is that sneakers are secretly the gateway. People see the draped jackets on the runway and assume that’s where Rick starts. For most of us, it starts with a pair of shoes that looked unlike anything else on the shelf. Here’s my ranking of every major silhouette.

Ramones: The Gateway That Started It All

If Rick Owens sneakers have a mascot, it’s the Ramones. Named after the punk band — these are Rick’s take on the classic high-top. Chunky rubber sole, waxed cotton laces, a toe cap that sits more forward than a typical Converse shape. The most recognizable silhouette in the entire lineup.

I recommend these as a first purchase to everyone. Easiest to style, most forgiving in proportion, and they age beautifully. Mainline leather runs $700–900. DRKSHDW canvas sits closer to $400–500 and works just as well daily.

Geobaskets: The Statement Maker

Take the Ramones, crank the volume up, and you get Geobaskets. Higher shaft, thicker sole, more visual weight. The proportions are deliberately aggressive — they look like they belong in a sci-fi film, and that’s the point.

Geobaskets are not a beginner shoe. The shaft height changes how your pants sit. They demand confidence. But if you’ve already got a couple of pieces from the Rick Owens collection and want to commit harder — this is the move. Leather pairs run $1,000+ and they’re worth it to the right person.

Abstract: The Low-Top That Actually Works

Rick’s low-top game was uneven until the Abstracts landed. These take the Ramones DNA — the sole shape, the toe box — and drop it to ankle height. Clean, sharp, unexpectedly versatile. I wear mine with cropped trousers in summer and they look as intentional as any designer shoe I own.

The Abstract solved a real problem: what do you wear when it’s too hot for Geobaskets but you still want that Rick silhouette? This. Browse the EU store during warmer months and you’ll see these sell fast.

Megalaced Runner: Where Rick Meets Athletic

When Rick started putting out runner-style sneakers, purists lost their minds. But the Megalaced Runner works because it doesn’t pretend to be a performance shoe. It takes the runner shape and twists it — exaggerated sole, dramatic lacing, materials that belong on a runway, not a track. The pick for someone who lives in sneakers but wants to graduate beyond Nike into something with more design weight.

Fogachine: The Platform Statement

The Fogachine is for people who’ve seen every other Rick sneaker and thought — “not enough.” The stacked platform sole is massive, borderline architectural. Closer to wearable sculpture than traditional footwear. I’ve tried them on and they’re surprisingly comfortable, but they require a very specific wardrobe commitment. If your closet is already deep into Rick Owens, they’re a natural endpoint.

Sizing and Mainline vs DRKSHDW

Rick Owens sneakers run about a full size large. A US 10 in Nike translates to roughly a 43 in Rick, maybe 42 depending on the model. Ramones and Geobaskets are the most generous. If you’re ordering from the official Rick Owens EU site, their size charts are reliable.

Every model comes in two tiers. Mainline is premium leather, made in Italy. DRKSHDW is the diffusion line — canvas, waxed cotton, denim — same silhouette, roughly half the cost. What nobody tells beginners: DRKSHDW is not a downgrade. Canvas Ramones develop a worn-in character that leather doesn’t replicate. If you shop Rick Owens online and see DRKSHDW — you’re not settling, you’re choosing.

Which One Should You Buy First?

Ramones. Always Ramones. DRKSHDW to start smart, mainline leather to start with a grail. Every other model builds on what the Ramones established. Once you own a pair, everything else in the Rick Owens EU clothing catalog makes more sense.

After that, the path is personal. Geobaskets for drama. Abstracts for warm weather. Megalaced Runners if you live in sneakers. Fogachines if you want to tower. Once you put on your first pair, regular sneakers start looking flat — that’s what twenty years of perfecting a sole shape does.

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Big Numbers, Small Print: Why Simpler Promotions Often Deliver More

Few things catch the eye more than a giant red sign advertising a 50% discount on a popular product. Just seeing it makes shoppers feel they’ve struck gold. However, experienced shoppers aren’t easily convinced, having seen many impressive offers shrink to next to nothing by the time they reach the checkout. The headline-grabbing number is rarely the full story.

Most of the gap between the advertised saving and the one found at the till comes down to the small print. Conditions, thresholds and expiry dates can all chip away at the discount. That’s why a modest promotion can sometimes offer better value for money, even if it doesn’t look as appealing on the poster.

Why Bigger Doesn’t Always Mean Better

Large discounts, cashback promises and bonus rewards are expressly designed to stand out. They are bright, bold and hard to ignore. Still, the advertised value doesn’t always translate into the same real-world benefit. A promotion is only worth what the customer can use, and the conditions behind it, not the headline figure, determine that.

Imagine two clothing stores on the same floor of a mall. One is offering a 30% discount on purchases over $200. The other offers 10% off everything with no underlying conditions. A shopper looking for a $60 pair of jeans will get a guaranteed $6 off at the second store, and nothing at the first. In this case, the smaller offer gives the customer greater value.

This doesn’t mean a smaller promotion is always best. A person spending $300 in a shop will get the better savings at the first store. When studying competing offers, the real question is which deal best fits the customer’s spending intent in that moment.

The Fine Print Behind Everyday Offers

Conditions are a part of modern-day promotions. Common conditions include minimum spending levels, limits on qualifying products and specific redemption windows. Others tie rewards to loyalty program membership or require extra steps before the reward unlocks.

Reward schemes are a clear example. A coffee chain might award loyalty points for every order, which customers can redeem for a free coffee on a future visit. A grocery store might add store credit onto a shopper’s loyalty card but tie it to a 30-day validity period. Both offers hold genuine value, but only if customers return.

Neither offer is unreasonable, as businesses need to manage costs while encouraging customers to return. But sometimes, having the extra condition makes customers pause and question what an offer is really worth.

Where Simpler Rewards Pull Ahead

When a promotion has few conditions, it holds an advantage over others because it is easy to understand. A straightforward discount or a free item with no extra steps before redemption leaves little room for confusion. Shoppers know what they are getting, and the reward’s value is clear.

This differs from an offer that requires shoppers to make two separate purchases, complete a mail-in form and then wait six weeks for a rebate cheque. The rebate reward might be bigger, but many people never get far enough to claim it because the steps are too confusing or too long-winded. When the offer isn’t claimed, the advertised value means nothing.

The same distinction is visible across digital entertainment. An online casino offering free spins, for example, often includes clauses such as wagering requirements. This means that any winnings that come from these free spins can only be withdrawn once their total value has been bet through a set number of times. Yet some casinos understand that an offer with no wagering requirements is a good promotion that carries real weight among players.

Even so, these promotions are often not free of all conditions. Many casino offers are restricted by caps on winnings, short validity periods and a limit on which games can be played.

Same Principle, Different Industries

Travel companies also follow a similar promotional pattern. A cheap city break in Vancouver or a discounted cottage stay may appear only on certain dates or may include a non-refundable clause. Blackout periods are also common, meaning the discount can’t be used during busy times.

Subscription services often go down a slightly different route, with a low introductory price that increases after a few months. Many tie the reduced price to contract length, meaning a longer contract comes with a lower introductory price. Bundling services is another way to reduce prices. However, the value only exists when the customer actually uses all of the services they buy.

Video games work similarly, with in-game currency and other bonuses available to players in exchange for a set number of daily logins or for completing certain challenges within the game. While the industries vary, the underlying concept remains consistent. Rewards are available, but the value depends on what the customer needs to do to get them.

Why Businesses Build Complicated Offers

Consumers often blame companies and come to the belief that promotions are designed to trip shoppers up. However, the truth is more practical.

Promotions also need to benefit the business. Minimum spend thresholds and loyalty point accrual encourage customers to fill their baskets before checkout or give them a reason to return. Similarly, limited-time offers prompt immediate action by creating a sense of urgency. These are normal marketing tactics, and when implemented correctly, they deliver real benefits to both parties.

When a program is well designed, customers can earn consistent rewards over time rather than relying on a large upfront discount. If the business can balance its offers with clear explanations of the conditions behind them, customers are far less likely to be caught out.

How to Weigh Up an Offer Beyond the Headline

A simple way to judge a promotion’s value is to ask a few basic questions. What is the advertised saving or reward? Does it have any additional spending requirements to unlock? Are there any time limits for claiming the reward? And does the shopper meet the eligibility requirements in the first place?

Then it’s important to look at what the offer actually is and whether it is something that will be used. An offer that pushes a customer to buy something they never normally buy doesn’t really represent a saving.

An offer on a music streaming service is only useful for someone who listens to music. For someone who doesn’t even listen to music, the deal has no value, even at a reduced cost.

Reading Past the Headline

Big discounts and rewards can be highly beneficial, but only when customers understand the difference between the advertised value and what they’ll actually receive. A 30% discount that goes unused is worth nothing, while a 10% discount that applies to every purchase can offer real savings.

Although simple promotions tend to offer greater clarity surrounding conditions, more complex promotions can still be beneficial, provided they align with the customer’s existing plans or spending habits. However good the offer may seem, it is essential to weigh the value against the cost of obtaining it.

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Why Teachers Are Exploring Sound Buttons for Classroom Activities

A single correct-answer chime can make a shy student sit up a little straighter. Teachers notice moments like that. Small sounds change how a room feels, and how a room feels shapes how students learn.

That is why more teachers are exploring sound buttons. One tap plays a drum roll before a quiz answer, applause for a finished project, or a ding to start a new task. The tools are free, quick to use, and fit almost any subject. They give teachers a fresh way to keep students curious and involved.

What Is Drawing Teachers to Sound Buttons?

Teachers are always looking for simple ways to keep students engaged. Many classroom tools take time to set up, need training, or cost money. Sound buttons avoid all three. A teacher can open a page, tap a sound, and see the whole class react.

Students also respond to sound almost instantly. A sudden drum roll grabs attention faster than a spoken reminder. A cheerful sound rewards effort without stopping the lesson. These quick reactions make sound buttons feel useful from day one.

Flexibility adds to the appeal. The same set of sounds works for a morning math quiz and an afternoon story. Teachers can match each sound to the activity’s mood.

How Do Sound Buttons Change the Feel of Classroom Activities?

Many classroom activities follow a familiar routine. Students answer, the teacher responds, and the lesson moves on. Adding sound breaks that pattern in a positive way. Used by teachers in a variety of classroom activities, SoundButtonsLab.com is a free soundboard offering sound buttons for classroom activities and sound effects for children’s pronunciation training. The site notes, “A simple sound can change how a whole class responds to an ordinary moment in the lesson.”

That change often shows up in student energy. A drum roll before an answer makes everyone lean in and wait. A cheer after a correct response turns one student’s win into a shared moment. Even quiet students tend to join in when the activity feels like a game.

Sound also adds structure. When each sound means something specific, students learn the routine quickly. A ding can mean start, and a chime can mean stop. That predictability helps lessons run smoothly with fewer reminders.

What Does Research Say About Game-Like Learning?

Adding game elements to lessons is more than a fun trick. A meta-analysis by Michael Sailer and Lisa Homner reviewed studies on gamification in learning. They found small but positive effects on students’ learning, motivation, and behavior.

Sound buttons bring several game elements into a classroom at once. They add suspense, instant feedback, and moments of celebration. A quiz with a drum roll and a correct-answer chime feels closer to a game show than a test. When students enjoy the format, they are more willing to practice and try again after mistakes.

Which Classroom Activities Work Best With Sound Buttons?

Sound buttons fit nearly any lesson, but some activities benefit the most. These four are easy places to start:

Quiz Games

Quizzes become exciting with a drum roll before each answer and a chime for correct ones. Teams can compete for points while the sounds keep energy high. Students often ask for review games once sounds become part of the routine. Keeping the wrong-answer sounds gentle so no one feels embarrassed.

Reading and Pronunciation Practice

Teachers can record words or sounds on buttons for students to hear again and again. Kids tap, listen, and repeat until the pronunciation feels natural. Hearing the same clear model every time helps them notice small differences. A cheering sound rewards each new word they master.

Transitions and Routines

Moving between activities can waste valuable class time. A short ding can signal clean-up time, and another sound can mark the start of a new task. Students learn these cues quickly and respond without repeated instructions. Smooth transitions leave more time for learning.

Celebrations and Rewards

Applause or kids cheering can mark a finished project or a goal reached. These sounds make effort feel noticed and valued. Save big celebrations for real milestones, so they keep their meaning. A small reward sound can still mark everyday wins.

How Do Sound Buttons Help Different Kinds of Learners?

Every class includes students with different strengths and comfort levels. Some speak up easily, while others hold back. Sound buttons give quieter students a low-pressure way to join in.

Engagement matters for every learner. A review by Jennifer Fredricks, Phyllis Blumenfeld, and Alison Paris described engagement as behavioral, emotional, and cognitive. Students who feel involved are more likely to stay focused and keep trying. Sound buttons touch all three areas. Students act on cues, enjoy each sound, and think ahead to the next question.

How Can Teachers Get Started Without Overdoing It?

Start small. One or two sounds used well beat a dozen used randomly. Try these simple steps:

  • Pick one sound for attention and one for celebration.
  • Explain what each sound means before using it.
  • Preview every sound to make sure it fits the age group.
  • Keep the volume comfortable for the whole room.

Once students know the routine, add new sounds slowly. Let students suggest favorites now and then to keep things fresh. A thoughtful start keeps sound buttons fun for months instead of days.

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