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Tracy Leipsic adding to family legacy in insurance industry, community involvement

Tracy Leipsic

By MYRON LOVE

After taking a break of more than a decade from the insurance industry to focus on her family, Tracy Leipsic is back in action, so to speak. About a year ago, she joined the Reider Insurance team as a Senior Account Manager.
“The timing was perfect,” she comments. “I have known the Reider family for many years. It has been a really good fit for me.”

 

In her new role, Leipsic is responsible for looking after clients’ insurance needs, be it home or business-related. “The only area of insurance I do not handle is life insurance,” she says.
She notes that her responsibilities now are much the same as they were when she was working for her own family’s business – Leipsic Insurance (which is now under the aegis of HUB Insurance) – for almost 20 years.
“I have always loved the insurance industry,” Leipsic says. “I enjoy helping people with their insurance needs. I have formed many friendships over the years with my clients.”

In working in insurance, Tracy Leipsic is following a path that goes back to her great-grandfather, Louis Leipsic. Louis – in partnership with his brother-in-law, Herman Aronovitch, founded Aronovitch and Leipsic in 1905 doing business in real estate, general financial, and insurance.
Not only has Tracy continued the family tradition in the insurance industry, she is also following previous generations of Leipsics who have served to better their community. Tracy’s grandfather, the late Sylvan Leipsic, for example, played a major role in the creation and ongoing operation of BB Camp. Her late mother, Brenda, had a lengthy history of community building. She was devoted to working on behalf of charities, including developing the dream home lottery concept for St. Boniface Research Foundation, creating the Dr. Goodbear personae and introducing the first Teddy Bear’s Picnic for the Children’s Hospital Foundation. She also co-chaired the Winnipeg Humane Society $11 million capital campaign. In later life, she served on City Council and was Deputy Mayor at the time of her passing.
“My father (Michael) served on a number of insurance industry and public boards and sports organizations,” Tracy says.

Her own involvement in the community has focused over the years largely on her passion for speed skating. In her teens, Tracy Leipsic was an outstanding speed skater. She started skating when she was 9. For many years, she was a perennial Manitoba champion as well as a part of the Manitoba Provincial team. She was also both a national champion and North American champion. She was forced to retire from competition in 1989 – at the age of 19 – due to injury.
“I met a lot of great people through speed skating,” she says. “I developed friendships and relationships that have carried through all of my life.”

She has been able to instill a love of speed-skating and sport in her children – twin daughters Rachael and Serena (who are 21) and 15-year-old Adam, who is currently a member of the Provincial Speed Skating team. Rachael and Serena have pursued other endeavors. Serena is attending the University of Pittsburgh on a diving scholarship and is currently the captain of the Diving Team there, while University of Manitoba student Rachael was a high level dancer with the RWB Rec Division and GOH Ballet. She is currently also active in the Sarah Sommer Chai Folk Ensemble, where she serves on the board.
Despite her own speed-skating career being cut short by injury, Tracy has remained active in the sport to the present day as a coach (including coaching her children), as a Manitoba Speed Skating Association Executive Board Member and, most recently, as an official race starter.

As if all this weren’t enough to keep Leipsic busy, in 2018, she accepted an invitation to become a member of the Board of the Manitoba Human Rights Commission (MHRC). “I had just completed terms on several boards I had been involved in with sports and my kids’ schools and was looking for something new related to community involvement,” she says. “Human rights is a cause that speaks to me.”
The MHRC, she points out, is an independent agency of the provincial government charged with administering the Human Rights Code. Commissioners are responsible for setting the strategic direction of the commission, also to consider complaints of discrimination and decide if there is sufficient evidence of a contravention of the code to warrant the complaint being referred to the Manitoba Human Rights Adjudication Panel for determination at a public hearing. “Our staff does tremendous work in dealing with complicated issues,” she notes. “It has been a great experience for me and gives me a good feeling being able to help people find closure.”

About a year ago, Tracy also joined the board of the Jewish National Fund Manitoba/Saskatchewan. David (Greaves) and I have been friends for years,” she says of the JNF executive director who was appointed just over a year ago. “My family loves Israel. We celebrated our daughters’ b’nai mitzvot there in 2013 and have visited many times. “
She speaks very highly of the impact that Greaves has had in his new role in still a relatively short time. “David has launched several great new outreach programs,” she says.

Tracy Leipsic is also proud of the fact that her children are following the examples set by their parents. Tracy’s husband is lawyer Richard Buchwald, who has been involved in the community in a variety of roles and is presently a board member of HSC Foundation, among other activities. As well, both Richard’s parents, Dee and the late Harold Buchwald, along with the aforementioned Brenda Leipsic and Michael Leipsic all laid the foundation for Tracy and Richard’s children’s strong community involvement.
“Through community involvement, you meet a lot of great people,” Leipsic concludes. “I find it really enjoyable giving back to the community.”

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Why casinos reject card payments: common reasons

Online casino withdrawals seem simple, yet many players experience unanticipated decreases. Canada has more credit and debit card payout refusals than expected. Delays or rejections are rarely random. Casino rules and technical processes are rigorous. Identity verification, banking regulations, bonus terms, and technological issues might cause issues.

Card payment difficulties can result from insufficient identification verification. Canadian casinos must verify players’ identities before accepting card withdrawals. If documentation are missing, obsolete, or confusing, the request may be stopped or denied until verified.

Banks and card issuers’ gaming policies are another aspect. Some Canadian banks limit or treat online casino payments differently from card refunds. In such circumstances, the casino may recommend a more reliable withdrawal method.

For Canadian players looking to compare bonus terms and payout conditions, check https://casinosanalyzer.ca/free-spins-no-deposit/free-chips. This article explores the main reasons Canadian casinos reject card payouts, from KYC hurdles to bank-specific restrictions, so you know exactly what to watch for.

Verification Issues: Why Identity Checks Matter

KYC rules must be activated by licensed casinos. Players need to submit proof of their identity, address and age. If any documentation is missing, expired or unclear, the withdrawal will be denied. In Canada, for instance, authorities like the AGCO or iGaming Ontario have been cracking down on KYCs by demanding that submitted documents – whether photo ID, utility bills or bank statements – be consistent with all account details.

Common errors are submitting screenshots, cropped photos or documents with names, dates or addresses that aren’t entirely visible. Just the slightest differences in spelling or abbreviations or formatting can get these blocks triggered. 

Another possibility is that the account was red flagged if previous withdrawals were already made without partial verification. Keeping precise, readable documents helps facilitate approvals and cuts through delays and frustrating red tape, as Canadian gamblers access their winnings both safely and quickly.

Timing Matters

Verification isn’t always instant. Documents being submitted during the busiest times, or on weekends or holidays can only prolong that approval process, and the withdrawal sitting pre-approved – or refused for that matter – until the casino reviews the paperwork. A lot of players feel disappointment not due to mistakes, but only for that a verification team still hasn’t checked their documents!  This can be especially frustrating when winnings come from free chips or bonus play and players are eager to cash out.

Keep personal information current and only submit clear legible files to reduce the processing time. Ensure that any scans or photos are sharp, fully visible and there is no detail missing. Preventing Gaffes With submission guidelines to read over ahead of time and directions for following them exactly, verification issues can often be significantly minimized, avoiding delay in accessing winnings and making the lie down withdrawal process that much smoother at Canadian online casinos.

Banking Restrictions and Card Policies

Not all credit or debit cards are eligible for casino withdrawals. Many Canadian banks restrict transactions related to gambling. For example, prepaid cards, virtual cards, or certain credit cards may allow deposits but block withdrawals. Even if deposits work, a payout can fail if the bank refuses incoming gambling credits. 

Cards issued outside Canada can also be declined due to international processing rules. Currency conversion restrictions may prevent a CAD payout to a USD card, depending on the bank’s policies.

Banks keep an eye on abnormal or frequent transactions. Online casinos can flag large or multiple withdrawals as suspicious and in such cases may impose temporary blocks on withdrawals or outright decline the withdrawal until the issuing bank confirms them with its account holder. Contacting your bank in advance will avoid any surprises and make withdrawals go more smoothly. What to consider when using your card in Canada:

  • Check if your card type supports gambling withdrawals (prepaid, virtual, and some credit cards may not).
  • Confirm whether your bank allows international online casino payouts.
  • Be aware of currency conversion restrictions.
  • Monitor withdrawal frequency to avoid triggering fraud alerts.
  • Contact your bank ahead of time to authorize or clarify online gambling transactions.
  • Keep alternative withdrawal methods ready, such as e-wallets or bank transfers.

Being aware of these constraints prevents Canadian players from having declined payouts, delays and waste of time when it comes to handling the casino money properly.

Wagering Requirements and Bonus Conditions

Many Canadians chase casino bonuses, including deals built around free chips, but these offers always come with conditions, Wagering requirements usually require players to bet a multiple of the bonus before withdrawing. Attempting a payout before meeting these conditions will be automatically declined. Not all games contribute equally: slots often count 100%, table games 10–20%, and certain features nothing at all. 

Misinterpretation of this, can make it appear as though a withdraw should be valid, while the casino believes there are unmet bonus requirements. Some casinos also impose a minimum withdrawal amount and will cap card payouts. And if you have more than the minimum in your account, a limit set off by your bonus could limit withdrawal. By testing these issues early on, you can save yourself a lot of aggravation. How to manage bonus conditions effectively:

  1. Have a close look at the terms of the bonus – check out wagering requirements, game contribution and time limits.
  2. Track your progress – note how much of the bonus has been wagered and which games contribute most.
  3. Plan your gameplay – prioritize slots or eligible games to efficiently meet wagering.
  4. Check withdrawal limits – ensure your balance meets minimums and bonus-specific caps.
  5. Avoid early withdrawals – never attempt a cash-out before meeting all conditions.
  6. Use trusted sources – platforms like CA CasinosAnalyzer can clarify real requirements and prevent surprises.

Following these steps helps players meet bonus conditions without stress and makes bankroll management smoother.

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What is the return on investment of US military spending on Israel?

By GREGORY MASON A recurring theme of Israel’s critics is that were it not for US spending on its war machine, it would be unable to wage genocide. I will leave the genocide issue (sic, I mean non-issue) aside as it has been well covered here and here.

Of course, right now (March 11), the war is going well for Israel and the US. In fact, the Israeli and American air forces are showing a level of coordination enabled by decades of close cooperation between the two militaries. I recall a conversation with an IDF colonel, the commander of a base near Eilat, in 2010, during a mission that gave participants access to high-level military briefings. Tensions between Israel and the US had soured, as they periodically do, and I asked whether this ebb and flow in political posturing affected military operations. The colonel said political leaders come and go, but the cooperation between the Israeli and American militaries is very tight. To quote him, “they need us as much as we need them. We are their eyes and ears in this part of the world.”

Many on both the right and left call for the US to disengage from Israel, especially with respect to defence spending. First, let us look at facts.

Table 1 readily shows the impact of the war in Ukraine, with Russia’s spending also reflecting wartime demands. Israel’s total commitment of 5-6% of GDP amounts to $45 billion in defence spending, reflecting its perpetual need to defend itself and maintain a permanent reserve force. Table 2 elaborates on defence spending as a share of public spending. Unlike other countries that have been free riding under the US military umbrella (and Canada is the most egregious of the lot), Israel has made very substantial commitments to its own defence. The $3.8 billion spent on hardware for US equipment is a fraction of Israel’s total defence budget of about $43 Billion. All U.S. financial aid to any country for military hardware must be spent on U.S.-manufactured equipment by law.

Critics of US defence funding for Israel miss two key points. First, as Table 3 shows, financing sent to Israel does not involve troop deployment. Israel does not want the US to station troops within its borders. The costs of maintaining troop deployments and all the associated support costs for NATO, Japan, and South Korea are orders of magnitude higher than the financing for the hardware it provides to Israel.

Second, and the current joint US/Israeli operations in Iran bear this out, Israel has dramatically improved the equipment platforms it purchased. Examples include:

  • The F-15 has benefited from Israeli wartime use, resulting in major improvements, including a redesigned cockpit layout, increased range through fuel redesign, improved avionics, new weaponry, helmet-mounted targeting, and structural strengthening.
  • Because Israel was an early partner in the fighter’s development and had access to its top-secret software suite, the Israeli version of the F-35 is a radically different plane than the model delivered. Improvements include increasing operational range, embedding advanced air defence detection, and integrating the fighter with Israel’s defence network, creating extensive system integration. This proved instrumental in the rapid establishment of air superiority in the 12-day war in 2025.
  • The THAAD (Terminal High Altitude Area Defence) program has benefited from a joint research and development relationship between Israel and the U.S.
  • Finally, Iron Dome has contributed to U.S. air defence development, particularly the Tamir interceptor technology, battle management, target discrimination, and the development of a layered air defence system.

No senior military or political official questions the return on investment American gains by funding Israel’s acquisition of U.S. military hardware.

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Why Returning Players Often Stick to a Few Favorite Games on Platforms Like Gransino Casino

Many online casino players develop clear preferences over time, and Gransino Casino highlights how familiar games often become the center of regular play sessions.

Online casinos typically offer large catalogs filled with hundreds of different slot titles. While this variety allows players to explore new experiences, many returning users gradually settle on a smaller group of games that they revisit regularly. This pattern appears across many digital gaming environments, where familiarity often becomes just as important as novelty.

Platforms such as Gransino Casino demonstrate how this behavior emerges in practice. Even though players have access to many different titles, returning visitors frequently gravitate toward games they already know and understand.

Familiar mechanics reduce learning time

One reason players return to the same games is that they already understand how those titles work. Each slot game has its own rules, bonus features, and payout structure. When a player first opens a new title, they often need a few minutes to understand the paytable, special symbols, and feature triggers.

Once that learning process has taken place, the game becomes easier to approach in future sessions. Players do not need to spend time reviewing instructions or exploring unfamiliar mechanics. Instead, they can begin playing immediately with a clear sense of how the game operates.

On platforms like Gransino Casino, this familiarity can make certain titles stand out as reliable choices. When players know what to expect from a game, the experience often feels smoother and more predictable during short play sessions.

Personal preferences shape long-term choices

Another factor influencing player behavior is personal preference. Some players enjoy specific visual themes such as mythology, adventure, or classic fruit machine designs. Others may prefer particular gameplay features, such as free spins, cascading reels, or bonus rounds.

Over time, players tend to identify the games that best match these preferences. Once they find titles that align with their interests, they are more likely to return to those games rather than start the search process again.

This pattern can be seen on Gransino Casino, where players browsing the lobby may explore different titles at first but eventually settle on a smaller group of favorites that suit their individual style.

Habit formation in digital gaming

Habit formation also plays a role in why players repeatedly choose the same games. In many digital environments, users develop routines that guide how they interact with a platform. This behavior is visible across streaming services, mobile games, and online casinos.

Once a player has established a routine, returning to familiar content often becomes part of that pattern. For example, a player might log in and immediately open the same slot they played during previous sessions. The familiarity of the interface, symbols, and features can make the experience feel more comfortable.

Platforms like Gransino Casino support this behavior by maintaining consistent game availability and allowing players to locate previously played titles easily within the lobby.

Exploration still remains part of the experience

Although many players develop favorite games, exploration remains an important part of the online casino experience. New titles continue to appear on casino platforms, introducing different mechanics, themes, and visual styles.

Players often alternate between their familiar choices and occasional experimentation with new games. A player might return to a favorite slot for most sessions while occasionally trying recently released titles to see if they offer something interesting.

The wide selection available on Gransino Casino allows this balance between familiarity and discovery. Players can continue returning to the games they enjoy while still having the option to explore new additions within the platform’s catalog.

Ultimately, the tendency to revisit favorite games reflects how players build their own routines within digital entertainment environments. Familiar titles offer a comfortable starting point, while new releases provide opportunities for occasional exploration, creating a mix of consistency and variety within each player’s experience.

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