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.
Features
Why Fitness Routines Fall Apart — and How to Rebuild Yours
Every spring, gyms see a flood of hopeful faces. New shoes, fresh playlists, unwavering intentions, by mid-summer? Half of them vanish into the fog of abandoned routines. The story repeats year after year until it starts to feel almost scripted. Why does enthusiasm evaporate? The easy answer involves willpower but that explanation misses the point. Habits don’t fail because people are weak. Life stress, boredom, and monotony ruin routines. Timely lever pulls can change narratives. The hardest part is persevering when motivation wanes.
Mistaking Motivation for Momentum
Most chase that opening surge, the lightning strike of motivation, but then stop searching once enthusiasm fizzles. A scroll through sites like PUR Pharma (pur-pharma.is/) or a glimpse of an influencer’s progress triggers a burst of action: new workout gear ordered, plans scribbled in planners destined for dusty drawers. Yet momentum fades when small setbacks pop up (a late meeting here, rainy weather there). Real progress comes from building systems stronger than any fleeting pep talk. Those who frame fitness as something owed to motivation end up back at square one every time life interrupts, which it always does.
Overcomplicating Everything
It’s tempting to turn wellness into a science fair project with spreadsheets and specialized equipment lined up on day one. This is the allure of complexity disguised as seriousness, a new diet paired with seven types of supplements and four color-coded bottles. Simplicity gets lost in the noise almost instantly. Most successful routines rely on two principles: keep it simple and keep showing up even when everything else is chaos outside those gym walls. Anyone insisting that perfection is required before taking step one has already constructed an excuse not to begin at all.
Forgetting Fun Completely
Who decided exercise must hurt or look like punishment? Somewhere along the line, fun got swapped out for grind culture and “no pain, no gain.” That isn’t just unappealing, it’s unsustainable over months or years. If sessions feel like torture devices borrowed from medieval times, nobody should be surprised when commitment falters fast. Seek activities that actually spark some joy or curiosity, a dance class instead of yet another treadmill session, maybe, or play a pickup game rather than slogging through solo circuits again and again.
Ignoring Recovery (and Reality)
Sleep deprivation, disguised as discipline, fools anyone, except perhaps uncritical Instagram followers. Ignoring recovery turns ambition into tiredness faster than any missed session. Because bodies break without rest, routines must breathe with owners. Cycling, real leisure, and honest self-checks regarding weekly goals build endurance, not continual pushing.
Conclusion
Change rarely arrives by force alone but usually grows quietly from patterns repeated imperfectly over time, even if last month looked nothing like this week so far. Drop the hunt for nonstop inspiration. Instead of breaking behaviors at the first hint of stress or boredom, build habits that last. People who rebuild methodically after every stumble or detour make progress, not those who peak and then fall.
Features
How DIY Auto Repairs Can Help You Cut Costs—Safely
Regular maintenance and minor repairs are the greatest approach for many car drivers to save money without sacrificing dependability. DIY repairs can save you a lot of money over the life of your car since most of the expense is in the labour. DIY helps you learn how things work and notice tiny issues before they become costly ones. Every work requires planning, patience, and safety.
Test Your Talents with Safe Limits
DIY solutions succeed when one is honest about their talents. Wiper blades, air filters, and occupant filters are beginner-friendly. With the correct equipment, intermediate owners can replace brake pads, spark plugs, coolant, and brake fluid. Pressurized fuel, high-voltage hybrids, airbags, and timing components are risky. Only professionals should manage them. Limitations protect you and your car. Drivers trust sources like Parts Avenue to find, install, and schedule manufacturer-approved work.
Set Up a Reliable Workspace and Tools
Good tools pay for themselves quickly. Ratchets, torque wrenches, combination wrenches, heavy jack stands, and wheel chocks are essential. It is advisable to engage specialists for specific tasks. A clean, flat, well-lit, and open space is essential. Please take your time. While working, keep a charged phone nearby to read repair instructions or write torque patterns.
Find the Problem before Replacing the Parts
It may cost more to replace something without diagnosing it. Instead of ideas, start with symptoms. OBD-II readers detect leaks, sounds, and DTCs. Simple tests like voltage, smoke indicating vacuum leaks, pad thickness, and rotor runout might reveal failure. A good analysis saves components, protects surrounding parts, and fosters future trust.
Maintenance That Pays off is Most Crucial
Jobs compensate for time and tools differently. Prioritize returns and maintenance. Change the oil and filter, rotate the tires, evaluate the air pressure, replace low brake fluid, clean the coolant with the right chemicals, and replace belts and filters before they fail. These items extend automotive life, stabilize fuel efficiency, and reduce roadside towing issues that can take months to resolve.
Do as Instructed, Utilize Quality Parts, and Follow Torque Requirements
Understand the service. Set the jacking points, tighten the screws in the appropriate order, and use threadlocker or anti-seize as suggested by the maker. Rotor wear can cause leaks, distortions, or broken threads. Choose components that meet or exceed OEM requirements and fit your car’s VIN, engine code, and manufacturing date. Cheap parts that break easily cost extra.
Test, Record, and Discard Carefully
Safely test the system before patching. Check under the car for drops, bleed the brakes again, and check fluid levels after a short drive. Note torques, parts, miles, and repair date. Photo and document storage for car sales. Properly dispose of oil, filters, coolant, and brake fluid. Controlling hazards protects your community and workplace.
Know When to Seek Professional Help
Self-employed individuals recognize their constraints. If a task is challenging, requires special instruments, or involves safety, consult an expert. Collaboration makes cars safer, cheaper, and more efficient. Selecting, planning, and implementing processes properly improves performance, lowers costs, and ensures safety.
Features
What It Means for Ontario to Be the Most Open iGaming Market in Canada
Ontario is the most open commercial iGaming market in Canada, having been the first province to open up to commercial actors in the online casino and betting space since 2022.
Since gambling laws in Canada are managed on a provincial level, each province has its own legislation.
Before April 4th, 2022, Ontario was similar to any other Canadian province in the iGaming space. The only gaming site regulated in the province was run by government-owned Ontario Lottery and Gaming Corporation, also known as OLG. However, when the market opened up, numerous high-quality gambling companies established themselves in the province, quickly generating substantial revenue. As the largest online gambling market in Canada, it’s now, three years later, also one of the biggest in North America.
The fully regulated commercial market is run under iGaming Ontario and the Alcohol and Gaming Commission of Ontario. These licensed casinos and online sportsbooks are thus fully legal and safe for players to play at, while at the same time, the open market allows companies to compete and offer different products and platforms as long as they all fit within the requirements set up by the state of Ontario.
This means that Ontarians have a wide choice of licensed sites, whether they’re interested in sports betting, live dealer games, or slots – all with strict consumer-protection rules that keep them safe while exploring the many options. (Source: https://esportsinsider.com/ca/gambling/online-casinos-canada)
There are many benefits to online gaming, especially in a country that’s as sparsely populated as Canada, leaving physical venues often few and far between for those living outside the biggest cities.
Even before Ontario launched its own gambling sites, online gambling had been common among Ontarians. Regulating the market and offering alternatives regulated by the province has often added safer and more controlled options.
Since 85% of Ontarians now play at regulated sites, the initiative of opening up the market seems a clear win in more than one way.
Despite the huge success of the Ontario market, most provinces in Canada haven’t changed much in the iGaming sector in the past few years. Some provinces keep Crown-run monopolies, while others limit activity to a single government-run platform. This often leads Canadians to seek offshore alternatives instead, since the options are so few in their own province.
But 2025 marks an important change. The provinces seem to have noticed that Ontario picked a winning strategy, and Alberta has clearly been taking notes.
While the province of Alberta has previously opted for controlled gambling through one government website, the province is now opening up the commercial online gambling market. The Alberta iGaming Corporation will be in charge of licensing and inspecting actors that operate in the province. This will mean many more options for players, coupled with consumer protection and a high level of safety.
Meanwhile, the Ontario iGaming market continues to prosper, grow, and develop. Now that a second province is following in its footsteps, it seems more likely that other provinces will also start following the trend.