To The Pointwith Boris Bozic
Commentary, Opinions, Thoughts and Discussion on Current Events, Politics and The Mortgage Industry

0 Comments Euro 2016 – Final Thoughts

Article written by on the 24 Jun 2016 in Current Events,Euro 2016,Family,Travel,World Events

By the time last week’s blog was posted we had already been in France for a week.  So many lasting memories, and my word, so many games.  In total, in twelve days we went to seven matches. When asked by locals how many games we were going to they seemed to be genuinely surprised when we told them.  Their expressions gave away their thoughts, as in “you guys are nuts.” They could be right, but it’s like the old saying goes, go big or stay home.  So we decided to go big.

When looking back on this trip years from now I’m sure some details will fade away but some will stand the test of time.  Bravo to the French for putting on a magnificent event, under very trying circumstances.  I must confess that just prior to leaving for France,  I experienced some apprehension. Some forty eight hours prior to departing for France, the French Government released an app and the purpose was to notify you of an imminent terrorist attack or what to do in the event one occurred.  So we downloaded the app, and silently questioned our sanity.  The touch of angst and apprehension I was feeling prior to the trip lasted for approximately two days in France.  It’s strange to be sitting on a patio in an outdoor cafe, in the center of town, and there walking among the crowds is the French Militia.  They were in full uniform, with machine guns and other weaponry at the ready.  The visual was disconcerting, yet comforting at the same time.  The security and military presence sent a message, “you kill us…we kill you back.”  Here’s hoping the rest of the tournament goes without incident.

Truth be told that while we were there, there was a greater risk from soccer hooligans.  Ah, the hooligans were in fine form.  The Russians embarrassed themselves on and off the pitch. Their team was dreadful, and their supporters acted like punk thugs.  How bad were they? They made English fans look like victims. Then there were the twenty-five Croatian anarchists, who actually posted on Facebook that in the 85th minute of the next match they would disrupt the game by throwing flares onto the pitch.  Their intent was to have Croatia thrown out of the tournament.  Their “rationale” for doing this was that they don’t like who and how the Croatian Soccer Association is being run. Good lord, get a life.  Wait, they don’t have one, and that’s why they do these sorts of things.  So we were at the game when flares rained down onto the field.  The mental giants who perpetrated this act were lucky to leave the stadium alive. Their luck will run out.  Their names and pictures have been posted on Facebook.  That’s the problem when everyone has a mobile phone; it means everyone has a camera. Croatian authorities stated these individuals will be apprehended at the border, and turned over to French authorities.   What awaits these future Mensa Society members? Three Russian thugs who were arrested in France have already been convicted.  The sentences ranged from two years to twelve months, magnifique!

The acts of idiot petty criminals will soon be forgotten. What I will remember is that France really is a beautiful country. We travelled by train from city to city, and you can appreciate its natural beauty. Even while traveling at 306 kilometers an hour on a bullet train.  I’ll remember the quality of soccer played, especially the Croatia – Spain game.  The Irish soccer fans.  Win, lose or tie, their disposition does not change.  They celebrate and are happy just being there.  My Dad, at 78 years of age, what a champ! Always up for the next adventure.  Lastly, my brother Tom.  This trip doesn’t happen without his efforts.  He had a room in his house set up that looked like something from NASA.  Multiple computers, monitoring multiple accounts so that we could get tickets.  Without the tickets? We don’t go.

 So now it’s back to reality, watching the remainder Euro on TV.  Equally as compelling will be watching the insane versus the sane in Great Britain on TV.  Supporters of Brexit condemned England to a loss, by way of one goal.

Until next time.


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0 Comments Happy Father’s Day!

Article written by on the 17 Jun 2016 in Canada,Current Events,Euro 2016,Family,Personal,Travel

My word, it’s been a long time since I posted a blog.  The reason is fairly simple –  unmotivated, writers block and nothing truly compelled me to write one.  I’ve come to realize that writing a regular blog is like going to the gym.  Once you stop, it’s hard to get back into it.  But like going to gym, something happens that makes you go back.  Example, you see a picture of yourself, and you rationalize that the camera adds pounds, but my God; did five cameras take this picture of me?  Back to the gym you go.  As for this blog, it was walking past a display of Father’s Day cards.

This blog is about my father.  I could use many adjectives to describe my father, but a simple phrase captures his true essence;  he’s a good man.  My father is like many dads.  Worked hard all his life, and always put family first.  Both of my parents immigrated to Canada in 1958 and they met here.  They started a family and never asked for a handout.  They provided for two sons, and gave them every opportunity to succeed.  Our household growing up was not unlike other Canadian/European homes.  Mom was the daily disciplinarian; Dad was the executioner.  If he had to get involved, I was in deep poo-poo. 

I still giggle thinking about the neighbourhood I grew up in as a child, predominately Italian, and how every household seemed to have the same playbook to get their sons to finally come home for dinner.  It didn’t matter if the Mom was of Croatian, Italian, Hungarian or of German background; it was the same routine.  The moms would come to front door, and call their sons in for dinner.  This happened every five minutes, for about forty-five minutes.  Exasperated, the moms on the street went to the heavy artillery, the father.  Every father on our street had a unique whistle.  As kids, we could identify each whistle by tone and number of bursts.  When it wasn’t your whistle?  You continued to play ball hockey.  When it was your whistle?  It didn’t matter if you were on a breakaway with a wide open hockey net in front of you; you dropped your stick and ran home.  That’s just the way it was.

I still remember my teenage years and thinking, how did these two, my parents, ever survive without my council and knowhow?  It was only when I moved out of the house at nineteen that I realized that maybe they’re not so dumb after all.  After six months on my own? I believed my parents were the smartest people on the face of the earth.  It was only then that I stated to think about the sacrifices and risks my parents took.  Meaning, I started to look at them through a different lens, one of respect and admiration.  I’m still taken aback at how proud my Dad is to be a Canadian.  It’s deep rooted and it’s based from being so thankful.  My father escaped from a communist country, one which was oppressive and treated him like a second class citizen.  He’s never taken for granted that Canada gave him the opportunity to live a free and fulfilling life.  It’s why when I ask him if he would ever contemplate moving back to his homeland, his answer is always the same, never!  For him Canada is his home, and this is where his life is.  It’s one of the reasons why when I hear the Canadian national anthem I get a lump in my throat. 

One of things I am most thankful for is that my dad taught me about my ancestry, and where our family was originally from.  I was born in Canada, but I share DNA with family in Croatia.  My parents taught me the language and I’m grateful that I can converse in two languages.  My dad taught me that when asked what nationality I was, the answer is Canadian, with Croatian heritage.  But Canada always comes first.  But one thing that Canada has never excelled at is the game of soccer, at least not on a global scale.  My dad introduced me to the game of soccer at an early age.  I was taken by it right away.  The tension, the crowd chanting and singing, and over time I realized the game of soccer was more than just a game.  As an adult I decided to thank my father for introducing me to the game of soccer, so we embarked on a soccer journey together.

It started some eight years ago, Euro 2008, in Austria.  For those who may not be aware, the European Football Association holds a championship tournament for European soccer teams every four years.  It’s soccer at the highest level, and I always believed it was a better brand of soccer than the World Cup.  No patsies or soccer fodder can qualify for this tournament.  The number of teams that qualify for the Euro is limited; therefore, every team can win on any given day.  So as a family we went to Austria to watch three games, all involving the Croatian National Soccer team.  The second game we witnessed is still burned in my memory, Croatia versus the mighty Germans.  Germany is to soccer what Canada is to hockey.  The depth of Germany’s talent pool is so deep that they could probably field two teams for the tournament, and play themselves in the finals.  So this game was truly David versus Goliath.  Croatia is a country of 4.5 million people; they produce an astonishing number of world class players for such a small country.  But still, it’s Germany we’re talking about.  Our seats were in the end zone, among the Croatian supporters.  Croatian supporters were badly outnumbered by German supporters, but they were loud in voice.  I remember looking past my brother to get a glimpse of my Dad as the Croatian National Anthem was being played.  I was thinking this must be an extraordinary moment for him.  His place of birth became an independent country in 1992, after a brutal war, and today he gets to witness the raising of his homelands flag, and the freedom to sing the anthem without the fear of his former oppressors watching.  More importantly, that they couldn’t do anything about it.  Back to the game, at best we were hoping for a tie, and silently praying that we wouldn’t be embarrassed.  Then in the 24th minute Croatia scored first.  To say the Croatian supporters went nuts would be an understatement.  Shame there was so much time left on the clock because we all knew the Germans would keep coming.  So now we’re into the second half of the game, and then the unthinkable happened, Croatia scored in the 62nd minute.  Now we’re going insane, including my Dad.  We’re up 2-0, against the Germans!  Then in the 79th minute the Germans scored, and I instantly knew that the last 11 minutes of the game would be excruciatingly long.  Our seats in the second half were located behind the Croatian net, so we witnessed wave after wave of German attacks.  They were relentless, and we got the sense that only time could stop them now.  The match clock finally reached 90 minutes, but two minutes were added for “injury” time, or if you wish Academy Award performances for the time wasted by players acting as if they were hit by sniper fire.  I swear I stopped watching the game after the first minute of “injury” time.  My eyes were glued to the referee, silently and not so silently, imploring him to blow the final whistle.  And then it happened, game over, Croatia 2 Germany 1.  It was sheer bedlam after that.  Total strangers embracing, high fiving each other, you just wanted to celebrate.  I looked over at my Dad while a total stranger was hugging me.  I could see him squeezing past my brother to come to me.  I told the stranger that we would have to continue our love affair later, and excused myself.   My Dad approached me, cupped my cheeks with both his hands, looked me in the eye and said, “thank you so much; this is the best gift anyone has ever given me”.  He kissed me on the cheek, and hugged me as hard as he could.

It was at that moment that I decided I would do whatever I could to give him this moment again.  If it meant having to take a part time job scrubbing toilets so I could afford to do this again, then so be it.  I am blessed and fortunate that I did not have to purchase rubber gloves or a toilet scrubbing brush so that I could share these moments with my Dad again.  In 2012 we went to Poland for Euro 2012.  As you read this, we are in France for Euro 2016.  My Dad, my brother and a family friend, who went with us in 2012, decided that the evil, which is far too prevalent in the world today, would not stop us from living our lives.  When we started this journey back in 2008, I thought I was doing this for my father.  I have come to realize that I have been doing this for myself.  If I was to lose every material possession I have tomorrow, the one thing that could never be taken away from me is my memories.

To all Dads, especially mine, Happy Father’s Day.

Until next time.


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2 Comments Gone Fishing

Article written by on the 02 Aug 2013 in Canada,Family,Personal,Travel

Well, not really. I think I would rather watch eight hours of Degrassi reruns in a row than go fishing. My family, friends and acquaintances who enjoy fishing are rolling their eyes right now and thinking: “this coming from a guy who spends hour after hour trying to get a little white ball to fall into a ridiculously small hole. And all the while offering profanity-laced commentary.” To that I say, whatever! My aversion to fishing is that it’s too exhausting. You’ve got to cast the line, open a beer and take a seat. Whew! I’m fatigued just thinking about it.

 Not many can afford to drop $825 worth of coffee on total strangers but one cup of coffee every now and then? I think so. 

All kidding aside, I’m off for a family vacation for the next couple of weeks and I actually might go deep sea fishing. We’ll see. Therefore, blog posts may come sporadically or not at all over the next couple of weeks. It will all depend on whether something funny as hell happens while we’re on vacation. Which usually happens in our family.

I thought a fitting way to end the week was to comment on a recent phenomenon happening here in Ontario. Not sure if it’s making its way to other parts of the country but I hope it does. It’s about random acts of kindness and by all accounts, it appears to have started in Ottawa. For some reason it all centers around coffee. Last week a man walks into a Tim Horton’s coffee shop in Toronto and asks the cashier how much would it cost to buy 500 medium cups of coffee. The response was $825. He pulls out his wallet, plunks down $825 and says “I’m buying the next 500 cups of coffee.” He then walks out of the coffee shop without giving his name and he didn’t bother to wait for the people standing in line behind him to say thank you.

More of these stories are coming to light and I think it’s so cool. Not many can afford to drop $825 worth of coffee on total strangers but one cup of coffee every now and then? I think so. But what is really cool is how these random acts of kindness generate stories. The recipients of the free coffee will tell at least one person about what happened to them that day. How many of us can say that we did something so selfless and kind that at least 1000 people are talking about it? So I tried it this morning, on a very small scale. Every street in downtown Toronto is being dug up, resulting in brutal traffic congestion. I work at the corner of Bay and Richmond and a portion of Richmond is closed due to road work. There are two police officers monitoring the intersection and as I walked by them today I said, “gent’s, I’m just on my way to Tim’s, can I get you a coffee?” The police officers were most gracious but declined. And I walked away feeling a little better because I made the gesture and I also know that I just created 4 new stories about simple kindness.

Until next time,


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11 Comments Canadian Health Care: Time for an Honest Dialogue

Article written by on the 24 Jul 2013 in Canada,Family,Personal,Politics

I’ve been a little tardy with my posts recently. No earth shattering reason why other than life events and other priorities taking precedent. For example, last week I spent a fair bit of time contemplating the Canadian Health Care system. I did all this “deep” thinking while visiting the hospital and spending countless hours in an emergency room. I wasn’t the patient, my brother Tom was. Here’s the Reader’s Digest version.

"The only way the system will change is if we, the majority of Canadians, force the politicians into doing something."

My brother started experiencing sharp stomach pains early last week. My brother has a high threshold for pain so when he mentioned that he was experiencing pain my radar went off immediately. The next day the pain persisted and became more pronounced. I told him to go to emergency but he said: “I’m going to give it another day because I have a doctor’s appointment tomorrow. I’m sure it will be better tomorrow.” Tomorrow came and so did more pain. Off to the doctor he went. His family physician ordered an ultrasound, and upon review of the results, the doctor’s diagnosis was that the pain was probably caused by gas. He prescribed what amounts to nothing more than antacids. A few hours later I called my brother to see how he’s doing and he answered “not well.” I told him I didn’t give a damn what his doctor said, we had to get him to emergency immediately. He agreed and his wife took him to the hospital.

My brother got to emergency at 5:30pm and after a few hours the doctor treating him ordered another ultrasound. At midnight the doctor notified my brother that he wasn’t going anywhere. His appendix had ruptured and surgery would be required. We’re still not sure how his family physician mistook gas for a ruptured appendix, but needless to say my brother will not require his services ever again.

I couldn’t make it to the emergency room until 9:30pm that evening. To see my brother sitting there, I.V. attached to him, resting his head on the wall in an attempt to get relief, just killed me. I’m wired to fix things and there wasn’t a damn thing I could do. I was sitting next to my brother when the doctor came at midnight to tell him he wasn’t going anywhere because his appendix would have to be removed. He apologized and said he might have to sit in the waiting room until the morning because there weren’t any beds available. My mind started to race and I thought I would go home, get a reclining lawn chair from my backyard and set up a makeshift bed so he could get some comfort. To everyone’s relief a nurse came forward and said that she had a solution, bless her heart. She found a gurney for him to lay down on in one of the examination rooms.

Once my brother was comfortable, due in large part to the morphine drip, I could retreat to my own thoughts. Of all the voices in my head, the loudest one was saying, “how can a country with a standard of living such as ours, reduce health care to this?” To be absolutely clear, our doctors, nurses, technicians, support staff etc., do an amazing job. It’s the strain and the weight of the system that leaves medical practitioners no choice but to keep patients waiting hours for treatment and in some cases, left sitting in hallways to wait for a bed to become available. The responsibility for the state of our health care system today falls squarely on the shoulder of our policy makers. Politicians in our country do not have the courage to confront the sacred cow, better known as universal health care.

For the record (in the event I decide to enter into politics one day and someone claims that I once said that the sick should be left to die on the sidewalk because they couldn’t afford health care) I believe every Canadian has a fundamental right to health care, irrespective of economic standing. But I also believe it is irresponsible to continue on a path that will ultimately lead to a poorer standard of health care and ultimately bankrupt the system. It’s time for us to have an honest dialogue and dismiss those who always invoke the class warfare argument when this subject is broached.

Allowing for a multi-tiered health care system does not mean that the poor and indigent would not have free access to health care. It would mean that there would be different ways to distribute health care, thus relieving some of the pressure on government funded health care. A user pay system or some form of privatization will have to be a part of the solution. By the way, it’s creeping into our system already. For example, there are two private health care facilities within walking distance of my office. I know this because I’m a member of one. I pay an annual fee and that accords me the right to access a doctor, nutritionist, physiotherapist etc. I had to join because when I moved back to Toronto from Vancouver, I had a hard time finding a family doctor. Why? Offices were not taking new patients. So much for universal health care.

I’ll gladly pay, on top of what I already pay through taxes, for the ability to see a doctor. Being a member of a private health care facility does not mean I get bumped up in the queue for tests. In the last two years I needed to have an MRI and C-SCAN and in both cases the wait time was between 4 to 6 weeks. At my request the private facility arranged for the tests to be done in Buffalo, New York, at a cost of approximately $250 per test. I had the tests done within 48 hours. I would have gladly paid that sum for the ability to have the test done in my own country. Maybe I’m missing something but I think private clinics would lessen the burden on the government system, thus increasing the efficiency of care.

Our multi-tiered system is also made obvious when we look at how athletes receive treatment. Why is it the case that if I’m a professional hockey player in this country and I hurt my knee on a Saturday night, an MRI is done on Sunday, and the surgery is on Monday? Could the teams be paying for it directly? I wonder. Should we believe that MP’s, Cabinet Ministers, and the PM himself would wait 4 to 6 weeks for an MRI, or wait in the emergency room for 8 hours? Once again, just wondering.

The only way the system will change is if we, the majority of Canadians, force the politicians into doing something. A politician has two primary goals: getting elected and then getting re-elected. Up until now, doing nothing about the health care systems hasn’t cost them votes. There will be no change unless that changes.

Back to my brother, he’s recovering and doing well. Not back to normal but getting close. One thing about this ordeal is we learned about our father’s brush with appendicitis. It happened back in 1966. One night my dad was in excruciating pain. My mom called their family physician, in the evening no less, and the doctor did what doctors did at that time. The doctor made a house-call, took one look at the condition my dad was in and proceeded to escort him to his own car and he drove my dad to the hospital. My dad was operated on within an hour of arrival.

Until next time


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0 Comments Moving On – Oh Joy, Oh Bliss

Article written by on the 31 Jul 2012 in Family,Personal

I can think of hundreds of mundane and bothersome activities that we all encounter and simply have to do.  The activities can range from going to the dentist to renewing the sticker on your license plate.  On one end of the spectrum the activity can be painful and the other end the government treats your wallet like a buffet.  But I can say unequivocally that one of the top 5 activates I hate more than others is, moving!  And that’s what awaits me tomorrow.  Ah, but tomorrow’s move is extra special for our family because we don’t get possession of our new home for another three weeks.   For the next three weeks I get to say, Boris Bozic, of no fixed address.

I’m not sure what it is about moving that I hate most.  I’ve moved more often than I care to remember, and given my so called “expertise” in this regard you would think that I would have this down to a science.  Sure, I know what to expect but the experience is always the same.  One of the experiences I go through when I move is the revelation that I’m a bit of a pack rat.  I have no idea why I save some of my stuff.  I believe that I’m a minimalist of junk only to be proven wrong when I move.   I put stuff away thinking that I’ll use it again.  Okay, so it sat there in the same box for six years from the last move, but you never know it might come back.  Who knows?  Maybe one day Clackers and Pong will be all the rage again?  Tools?  I never throw out any tools; interesting considering I have two left hands.  For god sakes I have to call an electrician when a light bulb goes out.  So hanging on to those wire strippers makes a lot of sense.  Maybe it’s a psychological thing, like discarding a tool that has the word “strippers” in its name.   I was cleaning out our shed over the weekend and there in the corner was extra carpet left over from the when the builder installed it when we moved into our home, SIX YEARS AGO.  I know we have too much stuff when I cleaned out the shed and found 10 sprinklers.  Come on, every family needs 10 sprinklers.  The reason we have so many sprinklers is because when we put it away in the fall we can never find it again in the spring.  So, you buy new one.  Clothes?  Oh my, we could dress a small third world country with all the clothes we just got rid of.  We would never throw clothes away.  I ended up taking about 47 bags of clothes to Goodwill boxes in our area.  Someone is walking around the city right now with a nice golf shirt that has Ryder Cup, 2004 embroidered on the shirt.  Hope they got the matching golf hat as well.

The good thing about moving is that it forces you to purge, trash, liquidate and perform a junk enema.   As you’re doing it you feel good but there are mixed emotions.  The purging represents new beginnings but you can’t help but think about the money you have wasted.  You’re reminded that a lot of stuff you’ve accumulated was for just because.  But when you make that difficult decision to discard you’re comforted by the fact that you’ll have less to pack; unless of course you’re talking about woman’s shoes.  Well, that’s another blog all together.

Until next time,

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9 Comments Oh Boy! – A Personal Account

Article written by on the 31 May 2012 in Family,Personal

The nurses at the hospital have dubbed baby Owen, Bubba.   Trust me, that’s going to stick

And what a boy he is.  Rachelle Gregory-Marshall, an extraordinary woman, gave birth this week to a special baby boy.  I know most parents and family members think their newborn is special and different from the rest; some new parents act like their newborn is the chosen one, carrying on as if it’s the first to ever be born.   It happens 133 million times a year, which works out to 247 births a minute worldwide.  By the time you finish reading this blog, another child has entered the world wondering, where the hell am I?  But of those 133 million yearly births, a few are different – like Rachelle and the father, Ian’s, who’s primary responsibility is now to not say or do anything stupid, baby boy.  Look, I’m not biased because they’re family.  You want proof this child is different?  Baby Owen came into the world weighing in at 10 ½ pounds!

Let me kill the suspense for you, it was cesarean section.  Funny how a double digit number, like 10 ½ pounds, makes a mother to be say “cut me open and pull him out”.  That’s totally understandable. Yet, the natural delivery of an eight or nine pound baby is considered okay and normal.  You know who considers it okay and normal?  Men!  If men had to push an eight or nine pound baby out, civilization would have ceased to exist thousands of years ago.  We’re just not tough enough to endure something like that.  The father’s job throughout the delivery is to be the coach and offer words of encouragement like, “I’m here for you…remember to breath…I agree I’m an &%@hole and this is all my fault.”

But once the baby arrives, all is forgotten; the focus is now on the baby.  The parents stare lovingly at their baby and say, “Jesus Christ, he’s 10 ½ pounds”.   The first crisis these new parents faced was the realization the newborn clothes they purchased didn’t fit.  Not to worry, that’s where I helped.  On my first visit to the hospital I brought one of my old suits with me.  I think baby Owen is about a 28 waist, so we’ll have put a few extra holes in his belt.  Baby seat?  Nah, just place him in the back seat and put the regular seatbelt on him. Owen’s parents may want to put a pillow under his bum so he can see clearly out the window.  This boy is big.  You know he’s big when the head nurse wheels Rachelle into the nursery for the first time and says to the staff, “Hey everyone, this is Bubba’s mom”.  The nurses at the hospital have dubbed baby Owen, Bubba.   Trust me, that’s going to stick.

I don’t know much about babies but I think all newborn babies look like Winston Churchill.  Sure, the odd ones look like an alien but, for the most part, they bare a striking resemblance to Churchill.  Bubba Owen is no different.  The only difference is that Rachelle gave birth to a life-size version of Churchill.  

To the proud parents, thank you for this wonderful gift and I can’t wait for Bubba Owen to otter his first words, “We shall never surrender”.

Until next time


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