Features
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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Features
Ontario Online Casinos Let Players Set Daily, Weekly and Monthly Deposit Limits
A deposit limit sets a ceiling on how much money someone can add to an online gambling account. In Ontario’s regulated market, players can choose limits covering 24 hours, seven days and one month, with the website’s system enforcing the amounts they select.
The settings are straightforward, but the timing deserves attention. A daily allowance may sit within weekly and monthly caps, while an increase can involve a waiting period. For adults using Chrome on a Chromebook, understanding these account rules starts with knowing where to find them.
Finding the Settings and Choosing a Period
Deposit controls sit within the gambling website’s account menus. The Tooniebet Ontario responsible gaming page is an operator-specific resource readers can consult alongside their account settings. ToonieBet is operated by Canadix Limited and regulated by the AGCO under an agreement with iGaming Ontario.
Ontario’s standards require an easy and obvious way to set financial and time limits during registration and afterward. Players must be offered deposit and loss limits when signing up, and the controls must remain easy to reach and change once an account is open.
Menu names differ between sites. Published examples place deposit limits under account settings or responsible-gaming tools, where players can select an amount and a period.
Each type of limit measures something different. Deposit limits cap money added to the account. Loss limits restrict net losses after winnings are taken into account, while time limits govern playing time. iGaming Ontario’s player guidance explains all three.
For Chromebook users, these settings are managed through the website’s account interface. Chrome’s own permissions handle separate browser functions, such as access to location information.
How Several Limits Apply to One Deposit
Players can have daily, weekly and monthly limits running together. A deposit must fit within every active cap.
Take a hypothetical account with limits of CAD $40 daily, CAD $100 weekly and CAD $250 monthly. These figures illustrate the process.
If someone has already deposited CAD $90 during the weekly period, the remaining weekly allowance is CAD $10. That becomes the most they can add, even when the daily limit has more room. Reaching the monthly cap would likewise block another deposit until some monthly allowance becomes available.
This is why checking all active limits matters. A new day may bring fresh daily capacity while the weekly or monthly total remains close to its ceiling. The longer periods continue to apply as the shorter one refreshes.
When Money Drops Out of a Rolling Window
The next question is when previous deposits stop counting toward a cap. Some sites use rolling periods, which track elapsed time from individual deposits.
Published Ontario policies include daily windows of 24 hours, weekly windows of 168 hours and monthly windows of 720 hours, equivalent to 30 days. Under that approach, each deposit frees up its corresponding allowance once it falls outside the window.
Suppose someone has a CAD $100 rolling weekly limit and deposits CAD $25 on Friday, followed by CAD $75 on Saturday. Seven days after Friday’s deposit, CAD $25 becomes available again. The other CAD $75 returns seven days after Saturday’s deposit.
Leaving the restored Friday allowance unused means it combines with Saturday’s restored amount. At that point, the full CAD $100 is available. Reviewing deposit dates and times helps explain how much room remains within a rolling period.
Changing a Cap Takes a Separate Step
A limit refreshing follows the schedule already attached to the account. Raising that limit requires a request and a wait.
Ontario’s standards require at least 24 hours before a player’s request to relax or remove an established limit can take effect. The existing limit remains enforceable during the cooling-off period.
Operators publish their own timings. Documented examples include a seven-day wait for deposit-limit increases or removals. Another published schedule allows increases after one day for a daily cap, seven days for a weekly cap and 30 days for a monthly cap.
Lower limits take effect immediately under these published policies. Some policies also restart the waiting period when a player requests another increase while an earlier change is pending. The effective date shows which amount currently applies.
Other Controls and Support
Deposit limits work alongside loss limits, time limits, short breaks and self-exclusion. Together, these give players ways to restrict account funding, gambling activity or access.
Ontario-regulated online casino play is restricted to adults aged 19 and older who are physically in Ontario. Gambling involves financial risk.
For concerns about your gambling or someone else’s, ConnexOntario offers free, confidential information and referral support around the clock. Call 1-866-531-2600 or text CONNEX to 247247. Standard message and data rates may apply.
Features
What “Best Odds” Really Means When Comparing Gambling Review Websites
The phrase best odds appears frequently in gambling discussions, but it is surprisingly easy to use imprecisely. MonsterBetList is primarily a casino review and rankings website, not a dedicated live sportsbook odds comparison terminal. That difference is central to evaluating what its reviews can and cannot establish. A casino rating may explain payout conditions, licence information and bonus restrictions, while a claim about the best available price on a sporting outcome requires a different kind of evidence altogether.
Odds and ratings answer different questions
Sports betting odds represent a price offered on a specified outcome. A review rating is an editorial judgement built from multiple criteria. These two numerical systems cannot be substituted for one another. A bookmaker rated highly for service may offer a less competitive price on a particular match, while a service with a more attractive price may impose different limits or verification rules.
Similarly, a casino review can discuss return-to-player statistics, but RTP is not the same as sportsbook odds. RTP describes a theoretical long-run percentage built into a game model. It does not tell a reader what will happen in one session and it is not an individually negotiable market quotation.
What makes sports odds comparable?
A fair odds comparison starts with identical selections: the same event, outcome, market rules and settlement conditions. Comparing a three-way football result with a draw-no-bet price is invalid because the products pay under different circumstances. The observation time also matters; displayed prices can change quickly as market information or trading decisions evolve.
The numerical format should be standardised. Decimal odds provide one convenient representation, but American and fractional formats express the same underlying idea differently. Converting these formats is straightforward. What matters is the net price, the operator’s rules and whether the quoted offer remains available when reviewed.
Overround explains the hidden cost of many markets
In a simplified two-outcome market, dividing one by each decimal price produces an implied probability. If the implied probabilities add to more than 100%, the excess is commonly described as the bookmaker’s overround. It is one way of understanding the margin embedded in prices, although individual market structure and adjustments can complicate the interpretation.
This concept explains why the word best should not be attached to a price without context. A strong headline may look appealing yet represent an ordinary margin after calculation. More importantly, any single quote is time-dependent. Genuine comparison requires a dated observation and equivalent market rules; broad editorial praise is not enough.
What casino rankings can establish instead
MonsterBetList publishes casino reviews and guides addressing licences, bonuses, payout experiences and responsible gambling. Those topics are relevant to evaluating consumer risk and service quality. A report about the length of a withdrawal process, for example, can be useful if its methodology is transparent. A bonus review can help identify restrictive wagering requirements that marketing headlines omit.
However, a casino ranking should not be presented as evidence that its highest-rated operator consistently offers the best sports prices. Unless a site publishes repeated market-by-market comparisons, that conclusion is not supported. Readers benefit when publishers clearly distinguish what was measured from what readers might assume was measured.
Bonuses can complicate comparisons
A sportsbook may offer free-bet tokens, cashback or other promotions. Their effective value depends on conditions rather than the largest number printed in a banner. Some credits are not withdrawable as cash; others require qualifying selections, minimum odds or a deadline. Casino welcome bonuses often introduce wagering requirements, game-contribution rules and limits on withdrawals. Combining these products under one generic promotional score can hide important differences.
For instance, a large matched deposit might require extensive play before bonus-related funds become eligible for withdrawal. The required betting volume is not a promise of profit. The presence of a promotion may therefore make comparisons more complex instead of simpler. Clear disclosures should precede any judgement about value.
Editorial independence and methods
Review sites sometimes state that rankings are editorially independent. Such a statement is relevant but does not replace evidence of consistent testing. Readers should look for the criteria used, the date of each review, whether real transactions were examined and how negative findings are treated. If one platform receives detailed testing while another is scored on marketing copy, the ranking loses comparability.
Commercial incentives should also be visible. Referral relationships or sponsorships do not automatically make every observation inaccurate, but they create reasons to ask how rankings are insulated from revenue. A publication that explains its methodology and corrections process gives readers a stronger basis for trust than one that simply declares its winners.
Licensing and dispute rights before price claims
A marginally attractive price is of limited value when the operator is not legally available to the reader or does not provide meaningful avenues for redress. Regulations vary by jurisdiction, and a licence in one country may not authorise service in another. It is prudent to verify the legal entity behind a brand and the current status of any licence through official records.
Consumers should also review identity verification, account restrictions and dispute resolution procedures. These operational conditions influence the actual experience of using a gambling service. A sensible evaluation includes them before discussing promotions or theoretical market advantages.
Why guaranteed-profit language is a warning sign
No ordinary review or odds list can guarantee that an individual will win money from gambling. Claims of certain returns often omit the fact that results are uncertain, prices move and transactions are subject to restrictions. Casino games generally incorporate a house advantage, and sports outcomes remain uncertain regardless of a persuasive analysis. The safest response to absolute promises is scepticism.
Readers should also avoid treating gambling as a means of addressing financial problems. Chasing previous losses and increasing stakes to recover money can deepen harm. Consumer-oriented coverage is more valuable when it explains risk and offers realistic options for stepping away.
Conclusion: define the claim before ranking the service
“Best odds” is a specific comparative proposition, not a synonym for a high casino rating. MonsterBetList can be examined for its published casino research, review structure and risk disclosures, but those materials should not be stretched into claims they have not tested. Clear definitions, dated evidence and honest limitations are the foundations of trustworthy comparison journalism.
