Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.

For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.

Legal Issues Around Gambling Debts

When we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.

You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.

How To Deal With Debts Caused By Gambling

In dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.

The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.

With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.

Factors Leading To Internet Gambling Debts

It may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:

Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.

Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.

Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.

Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:

When you are not gambling, do you think about gambling and how you are going to get back to it?

Have you ever missed work because of online gambling?

Do you feel the need to gamble again after winning or losing?

Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?

Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?

Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:

Be open with friends and family and seek help with the problem.

Cancel any accounts you have with websites for online gambling.

Consider using software that blocks your access to online gambling websites.

Super Casino Gambling – Online and Offline

Land-based casinos and online casino revenues and site releases are growing faster then ever. Even after the dust has settled following the recent American law prohibiting deposits to online gambling companies, large organisations such as Party Gaming, Ladbrokes and VIP Casino club are all increasing their efforts to attract a wider European or global audience.

Gambling itself is a compulsive and addictive activity, with numerous regulatory societies attempting to outlaw and even ban online gambling around the globe. Regulatory environments themselves differ from country to country. While the US has sought keenly to identify ways of banning online gambling, the UK has lead the way to ensuring that online gambling remains a choice for many, but does not become a threat to others.

Its recent release of a new Gambling Act has sought to protect children and problem areas from abusive gambling, while attempting to levy a tax duty on all income from gambling both offline and online. The Act will make it illegal to entice children to gamble and there will be compulsory age checks for online gambling websites.

Its new Gambling Act will provision for the construction of Super Casinos in selected areas across the country, though this has been scaled down from an initial 40 super casinos to around 8, following complaints from the public and opposition parties. The Gambling Act will allow casinos to operate 24 hours, with unlimited jackpots, and gambling will be allowed on Sundays and Bank Holidays. As far as online websites are concerned, when the Act comes into force at the end of September 2007, companies will be able to apply for a license to operate online gambling website from a UK base.

Countries differ in terms of how they levy a tax on gambling. For example, some will tax each bet individually while countries like the UK, tax only the gross profits that gambling organisations make. Territories like Malta and Gibraltar offer competitive tax regimes as well as the benefits of an off-shore financial centre.

Australia has a large gambling population, where statistic show that 80% of its population gambles. Super casinos are also allowed in Australia, with Sydney’s Star City reputedly the size of 7 football fields. A recent study also showed that Australians spend more money each week on gambling than they do on alcohol or clothes. State government proceeds from gambling have increased to around $3.8bn per annum, since 1998.

Online Gambling

Internet Casinos Inc. (ICI), the world’s first online casino, started operating from August 18, 1995, with 18 different games. Since then more than 1,400 websites, mostly domiciled in small Caribbean islands, have given rise to an industry that grosses over $3 billion a year. In fact no business on the Internet earns more revenue than online gambling. Out of the estimated 14.5 million online gamblers, almost 30 per cent are from Asia.

A bet can be placed in minutes. Anyone with a credit card can set up an offshore currency account with a gambling site, leaving them free to place bets on sporting events like Wimbledon, cricket, horse racing and Formula One, or join a virtual casino to play slot machines, roulette, blackjack, poker etc. Companies like Flutter and Betmart accept bets on anything from who is going to win the Nobel Prize to whether Madonna is getting a divorce or not. Bets can range from a nickel to thousands of dollars and according to whether you win or lose the amount is automatically adjusted to your account. The final balance can then either be mailed to you or left for future bets.

The law relating to online gambling in India needs to be understood within the country’s socio-cultural context. At the outset, gambling, although not absolutely prohibited in India, does not receive express encouragement by policy makers. The Indian organized gambling industry is estimated to be worth around US$8 billion. While stringent laws have checked the proliferation of casinos and high street gaming centres as in many other countries, barring the state of Goa, the lottery business remains the most post popular form of gambling.

Though gambling is not illegal, it is a highly controlled and regulated activity. Modern India is a quasi-federal Constitutional democracy and the powers to legislate are distributed at the federal as well as the state levels. Gambling features in List II of the Constitution of India, this implies that the state governments have the authority to enact laws in order to regulate gambling in the respective states. Thus, there is no single law governing gambling in the entire country. Different states have different laws governing gambling in addition to the laws that have an application across the country. While some states have banned lotteries, other states allow state government lotteries marketed and distributed in other lottery playing and promoting states through private entities.

Regulation of gambling

The courts have defined gambling as ‘the payment of a price for a chance to win a prize’. The dominant element of skill or chance shall determine the nature of the game. A game may be deemed to be gambling if the element of chance or luck predominates in deciding its outcome. As a result, Indian courts have held that betting on horse racing and a few card games are not gambling. The right to undertake the business of gambling and lotteries is not considered as a fundamental right protected by the Constitution of India. It may however be pointed out that the state government run lotteries make significant contributions to the state exchequer of several state governments and the Union government, and hence there is a resistance to complete prohibition.

The following legislation is pertinent to gambling:

The Public Gaming Act, 1867

This Act provides punishment for public gambling and for keeping of a ‘common gaming house’. This Act also authorises the state governments to enact laws to regulate public gambling in their respective jurisdictions. The penal legislations in respective states have been amended in accordance with their policy on gambling. However, this legislation does not have any direct impact on online gambling unless a wide interpretation is given to the definition of common gaming house so as to include virtual forums as well.

The Indian Contract Act, 1872 (ICA)

The ICA is a codified umbrella legislation that governs all commercial contracts in India. Under the ICA, a wagering contract is the one which cannot be enforced. The Act lays down; ‘Agreements by way of wager are void, and no suit shall be brought for recovering anything alleged to be won on any wager or entrusted to any person to abide by the result of any game or other uncertain event on which any wager is made’. Gambling, lottery and prize games have held to be wagering contracts and thus void and unenforceable. While a wagering contract is not illegal, it cannot be enforced in a court of law. Thus, the courts will not entertain any cause of action that arises out of a wagering contract.

Lotteries (Regulation) Act, 1998

This Act provides a framework for organizing lotteries in the country. Under this Act, the state governments have been authorized to promote as well as prohibit lotteries within their territorial jurisdiction. This Act also provides for the manner in which the lotteries are to be conducted and prescribes punishment in case of breach of its provision. Lotteries not authorized by the state have been made an offence under the Indian Penal Code. Several non-lottery playing states, like Gujarat and Uttar Pradesh, have prohibited the sale of other state-government lotteries under this Act.

Indian Penal Code, 1860

Section 294A deals with keeping lottery office. It says that whoever keeps any office or place for the purpose of drawing any lottery not being a State lottery or a lottery authorised by the State Government, shall be punished with imprisonment of either description for a term which may extend to six months, or with fine, or with both.

And whoever publishes any proposal to pay any sum, or to deliver any goods, or to do or forbear doing anything for the benefit of any person, on any event or contingency relative or applicable to the drawing of any ticket, lot, number or figure in any such lottery, shall be punished with fine which may extend to one thousand rupees.

Internet gambling

The law related to gambling is also applicable to online gambling. All gambling contracts are considered to be wagering contracts and it is not possible to enforce such contracts under the ICA, detailed above.

As pointed out earlier, the online lottery is the most popular form of internet gambling in India. Most companies marketing and distributing or conducting state government-sponsored lotteries through the internet are not allowed to sell their services in the states that banned lotteries. In most cases, these marketers and distributors limit their online services to consumers who are residents of the states where a lottery is permissible. Notwithstanding the fact there has been no reported case of breach by any company promoting online lotteries, most of these companies (as a safeguard) seek an undertaking from their consumers relating to their residence.

There have been instances where one state has banned the lottery of other states, including online lotteries. In a recent case, the Karnatka High Court upheld the decision of the Karnataka government to make itself a ‘lottery free zone’ by imposing a ban on lotteries of all other states, including online lotteries under the Lotteries (Regulation) Act 1998. The state government, in this case, directed the closure of the terminals and kiosks selling the online lotteries.

Enforcement over foreign jurisdictions

If the websites are hosted and operated from outside India, it may be difficult for the Indian authorities to issue any directive to close them down or prohibit their access without using its blocking powers under the ITA. The authorities have little to worry about, as Indian foreign exchange laws do not permit remittances outside India for gambling related activity, such as the purchase of lottery tickets, football pools and sweepstakes. As a result, a gambling website hosted outside India aiming at receiving money from within India cannot do so through legal channels.

Conclusion

Online gambling remains a highly regulated sector with seemingly limited horizons to grow. While the present regulatory framework makes it difficult for offshore gambling websites to target customers in India, the India-based companies can only distribute and market state-government lotteries online in permitted territories. The pervasive authority with the government to block gambling related websites and the impossibility of enforcing gambling-related contracts further discourage the prospects for the industry.

Gambling Addiction and Its Behavioral Effects

Gambling addiction is a serious mental health disorder, which can be identified in two ways: a person either a) continuously bet on things using money or objects that hold value even though negative consequences arise as a result, or, b) they cannot stop gambling even if they desired to. People suffering from gambling addiction often display a strong urge to bet on a wide-range of gambling mediums-from sports games to poker, to choosing lottery numbers and throwing dice. And although friends and family members of compulsive gamblers don’t see the symptoms physically, like they often do with alcoholics or drug abusers, the consequences gambling addiction has serious implications on their lives as well as the lives of their friends and families. Not realizing its severity or taking it too lightly can be devastating for the addicted gambler in the long run. Gamblers can reach a point of literally losing everything, from cars, to homes, to businesses, and even respect from those they care about.

It’s well-known that Florida is notorious for providing “the hotspot” for gamblers all over the world, as well as its residents. But how many gamblers actually endure financial problems? A recent survey by the Florida Council on Compulsive Gambling shed light on card playing, reporting that 70% of these people had trouble paying their bills. But here’s the worst part, which is known to be a side-effect of excessive gambling–1 in 3 of these card players admitted to having participated in illicit activities in order to finance their gambling. Playing cards isn’t as harmless as we thought; criminal activity is still a cause for concern.

Gambling addicts are not always obvious about their situation; sometimes they don’t even realize it themselves. They don’t dwell on what has been lost as a result of their destructive activities and behaviors. Instead, compulsive gamblers only focus on the gains, or the supposed investment aspect of the games they play. And unlike drug or alcohol addiction, a person addicted to gambling will not display symptoms such as heavy fatigue, sickness, loss of energy or dizziness; instead, other factors are apparent, such as falling into deep financial trouble, losing quality time with the ones they love, and heightening the chances of entering into drug or alcohol addiction.

It’s difficult to establish who has a gambling problem and who doesn’t. Where is the threshold between social gamblers, and abusive gamblers? Are there any red flags? The answer is yes. Pathological gamblers often display one or more of the following signs: negligent of family get-togethers, acts on criminal behavior in order to acquire more stuff to bet on, would rather gamble then hang out with friends, talk excessively about gambling and winning money, use drugs or alcohol to distract them from wanting to gamble more, become irritated when not gambling, neglect vital responsibilities for gambling time, and lying to family and friends about going out gambling. A combination of these signs should be a red flag when identifying a compulsive gambler. But remember, none of these signs mention the amount of times a person gambles in a period of time. It’s not about “quantity.” A person can gamble every day and it may not affect his life. Also, gambling addiction isn’t OK if you’re wealthy; rich gamblers can still have issues like neglecting their loved ones and other vital responsibilities.

Florida is well-known for its casinos, entertainment arenas and cruise ship gambling. But environmental factors such as these may cause people to be more susceptible to the development of gambling addiction. Gambling addiction isn’t a problem that stands alone-it may lead to criminal behavior, psychological distress and depression, and fuel other more dangerous addictions. As stated earlier, a person may fall into drug or alcohol addiction in order to supplement or replace their gambling behavior. The combination of multiple addictions can be devastating and more difficult to treat; it would be like tangling a web of loose strings and trying to unravel them all at once.

Addiction specialists and counselors use a variety of methods in treating gambling addiction effectively, including: helping the addict understand what drives him or her to gamble, replacing their betting habits with more productive activities, understanding how it affects the people they care about, and finally, strengthening one’s will to live a more productive lifestyle. If you notice warning signs that you or your loved one is suffering from gambling addiction, it is crucial to intervene and find treatment before it is too late. Doctors treat gambling addiction as a serious brain disease, and people suffering from it are also prone to drug addiction. The importance of acquiring immediate treatment can be the difference between losing everything, and saving someone’s life.

Which Forms of Gambling Are Legal in Louisiana?

Louisiana is known across the country for its great food, music and festivals. Louisiana is also known for its gambling. People come from across the South to enjoy the food in casino restaurants and to gamble on riverboats. While the Mississippi Gulf Coast has numerous casinos, almost all forms of gambling are illegal in neighboring Texas and Arkansas. This article provides a brief summary of gambling activities that are legal in Louisiana and those that are not.

Gambling in Louisiana is defined as “the intentional conducting, or directly assisting in the conducting, as a business of any game, context, lottery, or contrivance whereby a person risks the loss of anything of value in order to realize a profit.”

LEGAL GAMBLING IN LOUISIANA

Age restrictions: To participate in the state lottery or horse track betting you must be 18 years old. To gamble in a casino or on a video poker machine, you must be 21.

Casinos and Racetracks: Riverboat casinos are legal in Louisiana. “Riverboat” refers to anything floating in the water, which results in many riverboats consisting of large structures on anchored barges near the shore. A land-based casino is licensed by the state in the City of New Orleans and on Indian tribal land. Betting on horse races are legal but dog racing is illegal.

State lottery: The Louisiana Lottery began in 1991 and lottery proceeds are legislatively earmarked for improving Louisiana’s educational system. The Louisiana lottery includes numbers drawing, Power-ball, and scratch off tickets.

Video poker: Casinos and racetracks in the state have video poker machines, as do a number of restaurants, gas stations, bars and truck stops. In Louisiana, if a business has a liquor license, this license allows you to have up to three video gaming machines. Truck stops can operate more video poker machines depending on the amount of fuel they sell.

Social Gambling and Charitable Gambling: Social gambling (for recreational purposes and not for business purposes) such as pool games, personal bets or betting on sports is legal in Louisiana as long as nobody takes a “cut” or fee from managing the transaction (other than awards to the rightful winner). Certain gambling activities such as raffles, bingo and keno which are directly associated with charitable fund-raising for non-profit organizations is legal.

Commercial cruise ships in international waters: Gambling on commercial cruise ships that travel internationally (beyond 12 miles offshore) is legal.

Taxes: Any establishment that gives a one-time gambling award of $600 or more is required to report the winning, along with the recipient’s social security number, to the IRS and Louisiana Department of Revenue. Residents are required to report gambling revenue as taxable income on their federal and state tax returns.

ILLEGAL GAMBLING IN LOUISIANA

Dogfighting and gambling related to dogfighting: La. R.S. 14:102.5 makes it illegal to own, possess, keep or train a dog for the purpose of dogfighting or to possess any paraphernalia used in training dogs to fight. Violation for a first conviction results in a fine of up to $1000 and/or not more than one year imprisonment. A subsequent conviction results in a fine of up to $3000 and/or imprisonment of not more than three years.

Cockfighting and gambling related to cockfighting: La. R.S. 14:102.23 makes it unlawful for any person to organize or conduct any commercial or private cockfight where it is reasonably foreseeable that chickens would be injured. It is also unlawful to possess, train or purchase any chicken for cockfighting purposes. A first offense conviction results in a fine of up to $1000 and/or 6 months imprisonment. A second offense conviction results in a fine of up to $2000 and/or one year imprisonment. A third offense conviction results in a fine of up to $2000 and/or three years imprisonment.

State may seize property connected with illegal gambling: The state may seize any property connected with illegal gambling and upon conviction may sell the confiscated property at public auction.

Computer gambling: Gambling by computer is prohibited in Louisiana. Computer gambling is the conducting as a business of any game, context, lottery or other activity whereby a person risks the loss of anything of value in order to realize a profit when accessing the internet. A conviction results in a fine of $500 and/or up to 6 months imprisonment.

Gambling in public: Unauthorized gambling in public is specifically prohibited by statute. Violation results in a fine of $500 and/or up to 6 months imprisonment.

Underage gambling: It is unlawful for anyone under the age of 21 to play video poker devices or to gamble in a casino. It is unlawful for anyone under the age of 18 to participate in the state lottery or in horse track betting. Violations result in a fine of $500 and/or up to six months imprisonment.

It’s a Gamble! Gambling – Great? Gruesome? Gambling – Essential, Addictive, Destructive

I’m used to thinking of gambling as horrible. Every day I hear stories of people destroying their lives, and the well-being of their families, because they can’t stop gambling. Everything goes. A woman speaks from her prison cell: she turned to robbing banks to pay for her addiction. She doesn’t excuse herself. But she couldn’t help herself. She wanted to be arrested. Despair.

I’ve been thinking about gambling differently this past while. Not “pure gambling” (lottery tickets, casinos, online gambling). But gambling as an essential feature of healthy, hopeful living that takes us beyond the routine.

My partner and I are building a business. Now, that’s a gamble – with our time, our lives. I’m also building this site – Elsa’s Creativity Emporium. Another huge gamble with time, energy, creativity. Columbus sailed for America. His gamble: that he would end up in the Far East. He didn’t get was he was aiming for – but the gamble paid off for the Europeans.

Farmers plant seeds. The gamble: that the season will be good. Designers design The gamble: that the design will find a market.

People fall in love, and decide to try to make a live with that person – one of the biggest gambles in life.

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On the other hand, many people want a predictable salary. No gambling, please. So and so much an hour. Anything else feels wrong, out of control, dangerous. How can anyone live like that, they shudder and recoil.

An observation. Many people don’t want to gamble with work time. They want steady dependable pay. At the same time, they have a hugely developed urge, even an overwhelming urge, to gamble.

In other words, quite a number of the same people who want a steady paycheck spend a huge chunk of their everyday earnings on gambling!

“It’s just for fun.” “It’s my right.” “I have every right to do what I want with my money. I earned it, after all. It’s mine.” “Everyone’s entitled to have a good time every now and then. All those hours I work. I deserve something.”

So, though many people are entirely unable to consider working “on a gamble,” (building a business, doing creative projects that may well never pay), they gamble over and over in ways that are set up to make the huge majority of people lose.

But most of the world does live “on a gamble” – or combining the gamble with as much certainty as possible. Traditional gatherer-hunting societies for instance have the relative dependability of gathering (which brings in about 90% of food) and the gamble on what is brought in through hunting (10% of the average food supply, according to my reading). Even with the gathering part, no year is like any other year. The steady dependable pay-off (salary, berries, etc.) is not the norm.

And with that, back to gambling. I’m going to call the kind of gambling I’m used to recoiling from “pure gambling” – in other words, one isn’t gambling that the weather will cooperate with one’s efforts, one isn’t trying to make a sale, one isn’t trying to build a site or a business, one isn’t courting and hoping another will respond to us. “Pure gambling” – bingo, casinos, lotteries, slot machines, computer games like minesweeper and so on. The goal is winning in a game stacked against us, and the win builds nothing except the win. No book is written, no grain is harvested, nothing is built.

In everyday gambling – which I’ll call “part-of-life gambling”, the pleasure of winning is part of so many other things. It’s part of building a life – gambling that our reaching out to someone will pay off, gambling that our design will find a market, gambling that the move to another city where there are supposed to be better jobs will lead to a better job.

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In “pure gambling,” all that other stuff has been taken out. The goal: the win. The goal: the payoff. In some forms of “pure gambling”, one does build some skills – one learns to play bingo well, to know the ins and outs of computer games. One becomes fast, the moves automatic. In other forms of pure gambling, people just, say, pull the arm of a one-armed bandit – and the craving to keep doing this that be so strong that people have resorted (or so I’ve heard) to wearing diapers so they don’t need to leave to go to the bathroom.

I’ve felt the pull of pure gambling, as well as part-of-life gambling. The time: about ten years ago. Too much stress. One day, I opened minesweeper, a computer game, and played a few games. The stress disappeared. I ended up playing minesweeper for several days, getting better and better. Wonderful and relaxing. At some point, I couldn’t get better at minesweeper. From that point on, winning or losing (most often losing), became a matter of luck. And yet I still wanted to play. Very much so.

I did what was easiest for me to do: I asked my partner to take the game off my computer (at the time I didn’t have the skill to know how to delete it myself). I don’t think, though, that I could have used the computer and not played. The pull felt irresistible. I felt deprived when the game was gone. I wanted it back. I didn’t ask for it back, though. I was able to have that much power over the pull of the game.

I did, for a number of years, turn to solitaire – not on the computer. Too dangerous. The old-fashioned way, with cards. If I played more than I thought was okay, I would put the cards in a place where it was inconvenient for me to get them – in a corner of the basement, for instance. Sometimes I would go and get them. More often I wouldn’t.

The last several years have been so busy that there hasn’t been time to reach for the cards. And I’ve noticed that the urge is gone. I want, if I have a few minutes, to take a walk, to make supper, to do nothing. I like life better that way.

I’ve been gambling enormously, these past few years, but the healthy way – doing things, hoping and planning that the projects will make it in the world.

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I’m back to gambling: the good, the bad, the ugly.

The good. This is when we take gambles in life, gambles that come from as much knowledge and experience as possible. Even then, it’s important that we check out the risks as well as possible – because in everyday life just as in a casino, one can gamble away one’s savings, one’s home, and so on. I took a gamble fifteen years ago: I had work (flight attendant) that was dependable but didn’t satisfy me. I was finishing my Ph.D. when the airline hit hard times and offered a golden handshake to people willing to leave. I didn’t have full-time college or university teaching lined up. Worse, there was hardly any teaching of any kind available where I lived. Still, I took a gamble. After all, I had an almost completed Ph.D. in hand, and had been doing university teaching part-time for years.

It wasn’t an instant win. But I finally got college teaching, and eventually even steady college teaching. And that again isn’t an instant fix, like a casino win. It means having to work at making the teaching successful, learning how to make the more difficult classes work (when one can), etc. There are ongoing challenges.

I think of Crick and Watson, who worked on figuring out the structure of DNA – and only after 10 years came to the realization (through a dream) that there was a double helix. They gambled with 10 years of their life.

I think of Banting, who figured out how diabetes can be controlled through insulin. So much time and effort, done despite the lack of success of others.

The dangerous good. I am thinking of people my parents knew. Not gamblers of any sort. They had built a financially successful life through steady paid-by-the-hour work. Then their 20-year-old son saw a “golden business opportunity”. A local successful business was for sale. The parents mortgaged their house to the max to buy it. In a year, the successful business was destroyed through a serious of stupid choices made by their inexperienced son who had all kinds of ideas for “improving” it. The parents lost everything.

The bad. Pure gambling, when it’s more than an occasional pleasure. My mother would buy an Irish Sweepstakes ticket at a time when gambling was illegal in Canada. She got a thrill out of doing something illegal. Also the ticket was a kind of miracle hope for an instant fix to all the everyday financial struggles. But it was a small cost.

For all too many people, the cost is high – financially, and in time and focus. Apparently over 15% of Canadian teenagers have at least a moderate addiction to what I call bad gambling.

Of course it can also give some kind of gratification to people leading small boring lives. Bingo halls enthrall thousands of people week after week.

The gruesome. This is when the pure gambling urge takes over someone’s life, and often destroys everything else in that life. Couple life, parenting, other interests.

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What to do? One, recognize the intense power of the “gambling pay-off pull.” There it is, the jackpot – like a carrot to a donkey. Not easy to resist.

Societies and countries which outlaw gambling – like both Canada and the States used to – recognize the destructive power of “the pay-off pull” central to pure gambling.

Personally, I find it insane to take away the laws that prohibit gambling without at least, at the same time, mandating huge public education – from earliest childhood on – on the destructive power of “the gambling pay-off pull.”

It’s like no longer ensuring that water is drinkable, but not doing anything so that people each take care of their own water supply. Can you imagine a huge campaign against providing drinkable water on the basis that this tampers with individual liberty? that each person has the right to drink the water of one’s choice?

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And yet to go back to good gambling. I will now call it “integrated gambling” – gambling as part of other activities. The same intense pay-off pull may help us through tough times. We practice and practice a difficult guitar piece – we know there will be a pay-off and the high of getting there (at least for a moment, before we move on to the next challenge). We put in long hours working with a child with learning difficulties – and we exult when learning happens. Pay-off.

Good gambling. I’d say that’s a core part of human development. It keeps us going – we’re not only doing whatever it is (trying to keep the corps alive in a hard season), but longing for the pay-off. And when it does happen, euphoria, a natural high. Yeah!!!

Good gambling combines with creativity. It helps us move out of ruts, into the unknown. Something in us knows this is a good direction. There is a pull from deep inside ourselves.

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As with so much about us, it’s easy to mess things up.

Gambling – well. Gambling combined with a project, a goal, an end that does not have to do with gambling, a goal in itseI’m used to thinking of gambling as horrible. Every day I hear stories of people destroying their lives, and the well-being of their families, because they can’t stop gambling. Everything goes. A woman speaks from her prison cell: she turned to robbing banks to pay for her addiction. She doesn’t excuse herself. But she couldn’t help herself. She wanted to be arrested. Despair.

I’ve been thinking about gambling differently this past while. Not “pure gambling” (lottery tickets, casinos, online gambling). But gambling as an essential feature of healthy, hopeful living that takes us beyond the routine.

My partner and I are building a business. Now, that’s a gamble – with our time, our lives. I’m also building this site – Elsa’s Creativity Emporium. Another huge gamble with time, energy, creativity. Columbus sailed for America. His gamble: that he would end up in the Far East. He didn’t get was he was aiming for – but the gamble paid off for the Europeans.

Farmers plant seeds. The gamble: that the season will be good. Designers design The gamble: that the design will find a market.

People fall in love, and decide to try to make a live with that person – one of the biggest gambles in life.

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On the other hand, many people want a predictable salary. No gambling, please. So and so much an hour. Anything else feels wrong, out of control, dangerous. How can anyone live like that, they shudder and recoil.

An observation. Many people don’t want to gamble with work time. They want steady dependable pay. At the same time, they have a hugely developed urge, even an overwhelming urge, to gamble.

In other words, quite a number of the same people who want a steady paycheck spend a huge chunk of their everyday earnings on gambling!

“It’s just for fun.” “It’s my right.” “I have every right to do what I want with my money. I earned it, after all. It’s mine.” “Everyone’s entitled to have a good time every now and then. All those hours I work. I deserve something.”

So, though many people are entirely unable to consider working “on a gamble,” (building a business, doing creative projects that may well never pay), they gamble over and over in ways that are set up to make the huge majority of people lose.

But most of the world does live “on a gamble” – or combining the gamble with as much certainty as possible. Traditional gatherer-hunting societies for instance have the relative dependability of gathering (which brings in about 90% of food) and the gamble on what is brought in through hunting (10% of the average food supply, according to my reading). Even with the gathering part, no year is like any other year. The steady dependable pay-off (salary, berries, etc.) is not the norm.

And with that, back to gambling. I’m going to call the kind of gambling I’m used to recoiling from “pure gambling” – in other words, one isn’t gambling that the weather will cooperate with one’s efforts, one isn’t trying to make a sale, one isn’t trying to build a site or a business, one isn’t courting and hoping another will respond to us. “Pure gambling” – bingo, casinos, lotteries, slot machines, computer games like minesweeper and so on. The goal is winning in a game stacked against us, and the win builds nothing except the win. No book is written, no grain is harvested, nothing is built.

In everyday gambling – which I’ll call “part-of-life gambling”, the pleasure of winning is part of so many other things. It’s part of building a life – gambling that our reaching out to someone will pay off, gambling that our design will find a market, gambling that the move to another city where there are supposed to be better jobs will lead to a better job.

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In “pure gambling,” all that other stuff has been taken out. The goal: the win. The goal: the payoff. In some forms of “pure gambling”, one does build some skills – one learns to play bingo well, to know the ins and outs of computer games. One becomes fast, the moves automatic. In other forms of pure gambling, people just, say, pull the arm of a one-armed bandit – and the craving to keep doing this that be so strong that people have resorted (or so I’ve heard) to wearing diapers so they don’t need to leave to go to the bathroom.

I’ve felt the pull of pure gambling, as well as part-of-life gambling. The time: about ten years ago. Too much stress. One day, I opened minesweeper, a computer game, and played a few games. The stress disappeared. I ended up playing minesweeper for several days, getting better and better. Wonderful and relaxing. At some point, I couldn’t get better at minesweeper. From that point on, winning or losing (most often losing), became a matter of luck. And yet I still wanted to play. Very much so.

I did what was easiest for me to do: I asked my partner to take the game off my computer (at the time I didn’t have the skill to know how to delete it myself). I don’t think, though, that I could have used the computer and not played. The pull felt irresistible. I felt deprived when the game was gone. I wanted it back. I didn’t ask for it back, though. I was able to have that much power over the pull of the game.

I did, for a number of years, turn to solitaire – not on the computer. Too dangerous. The old-fashioned way, with cards. If I played more than I thought was okay, I would put the cards in a place where it was inconvenient for me to get them – in a corner of the basement, for instance. Sometimes I would go and get them. More often I wouldn’t.

The last several years have been so busy that there hasn’t been time to reach for the cards. And I’ve noticed that the urge is gone. I want, if I have a few minutes, to take a walk, to make supper, to do nothing. I like life better that way.

I’ve been gambling enormously, these past few years, but the healthy way – doing things, hoping and planning that the projects will make it in the world.

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I’m back to gambling: the good, the bad, the ugly.

The good. This is when we take gambles in life, gambles that come from as much knowledge and experience as possible. Even then, it’s important that we check out the risks as well as possible – because in everyday life just as in a casino, one can gamble away one’s savings, one’s home, and so on. I took a gamble fifteen years ago: I had work (flight attendant) that was dependable but didn’t satisfy me. I was finishing my Ph.D. when the airline hit hard times and offered a golden handshake to people willing to leave. I didn’t have full-time college or university teaching lined up. Worse, there was hardly any teaching of any kind available where I lived. Still, I took a gamble. After all, I had an almost completed Ph.D. in hand, and had been doing university teaching part-time for years.

It wasn’t an instant win. But I finally got college teaching, and eventually even steady college teaching. And that again isn’t an instant fix, like a casino win. It means having to work at making the teaching successful, learning how to make the more difficult classes work (when one can), etc. There are ongoing challenges.

I think of Crick and Watson, who worked on figuring out the structure of DNA – and only after 10 years came to the realization (through a dream) that there was a double helix. They gambled with 10 years of their life.

I think of Banting, who figured out how diabetes can be controlled through insulin. So much time and effort, done despite the lack of success of others.

The dangerous good. I am thinking of people my parents knew. Not gamblers of any sort. They had built a financially successful life through steady paid-by-the-hour work. Then their 20-year-old son saw a “golden business opportunity”. A local successful business was for sale. The parents mortgaged their house to the max to buy it. In a year, the successful business was destroyed through a serious of stupid choices made by their inexperienced son who had all kinds of ideas for “improving” it. The parents lost everything.

The bad. Pure gambling, when it’s more than an occasional pleasure. My mother would buy an Irish Sweepstakes ticket at a time when gambling was illegal in Canada. She got a thrill out of doing something illegal. Also the ticket was a kind of miracle hope for an instant fix to all the everyday financial struggles. But it was a small cost.

For all too many people, the cost is high – financially, and in time and focus. Apparently over 15% of Canadian teenagers have at least a moderate addiction to what I call bad gambling.

Of course it can also give some kind of gratification to people leading small boring lives. Bingo halls enthrall thousands of people week after week.

The gruesome. This is when the pure gambling urge takes over someone’s life, and often destroys everything else in that life. Couple life, parenting, other interests.

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What to do? One, recognize the intense power of the “gambling pay-off pull.” There it is, the jackpot – like a carrot to a donkey. Not easy to resist.

Societies and countries which outlaw gambling – like both Canada and the States used to – recognize the destructive power of “the pay-off pull” central to pure gambling.

Personally, I find it insane to take away the laws that prohibit gambling without at least, at the same time, mandating huge public education – from earliest childhood on – on the destructive power of “the gambling pay-off pull.”

It’s like no longer ensuring that water is drinkable, but not doing anything so that people each take care of their own water supply. Can you imagine a huge campaign against providing drinkable water on the basis that this tampers with individual liberty? that each person has the right to drink the water of one’s choice?

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And yet to go back to good gambling. I will now call it “integrated gambling” – gambling as part of other activities. The same intense pay-off pull may help us through tough times. We practice and practice a difficult guitar piece – we know there will be a pay-off and the high of getting there (at least for a moment, before we move on to the next challenge). We put in long hours working with a child with learning difficulties – and we exult when learning happens. Pay-off.

Good gambling. I’d say that’s a core part of human development. It keeps us going – we’re not only doing whatever it is (trying to keep the corps alive in a hard season), but longing for the pay-off. And when it does happen, euphoria, a natural high. Yeah!!!

Good gambling combines with creativity. It helps us move out of ruts, into the unknown. Something in us knows this is a good direction. There is a pull from deep inside ourselves.

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As with so much about us, it’s easy to mess things up.

Gambling – well. Gambling combined with a project, a goal, an end that does not have to do with gambling, a goal in itself that usually leads to further development.

Gambling – bad. Gambling for the lure of the win, the pay-off – usually unrelated to the efforts we put in. (There was nothing my mother did, that would make her more likely to win the Irish Sweepstakes than what anyone else did – it was just luck. And she never won.)

Gambling – gruesome – when “pure gambling” has taken over someone’s life.

All it takes is a tiny change inside ourselves to go from the good to the bad to the gruesome – a disconnection of the pay-off pull from something constructive.

Article Source: http://EzineArticles.com/587230
lf that usually leads to further development.

Gambling – bad. Gambling for the lure of the win, the pay-off – usually unrelated to the efforts we put in. (There was nothing my mother did, that would make her more likely to win the Irish Sweepstakes than what anyone else did – it was just luck. And she never won.)

Gambling – gruesome – when “pure gambling” has taken over someone’s life.

All it takes is a tiny change inside ourselves to go from the good to the bad to the gruesome – a disconnection of the pay-off pull from something constructive.

Article Source: http://EzineArticles.com/587230

Online Gambling World As Players See It

It is significant to learn where online gambling is in today’s highly commercialized world. This is not an easy discussion and will require us to expend time and effort if we were to seek enlightenment on this matter. But this knowledge is relevant for beginners, players, and casinos themselves. For instance, such information can give you a perception of gambling, not only in the country but in the entire world. Statistics can give you information regarding the kind of gamblers casinos have and the overall gambling behavior of the populace. If you are an interested online gambler, you should keep yourself updated to the latest news.

Looking at the General Picture of the Online Gambling Realm

At the present, gamblers around the world are flustered at the approval of the Unlawful Internet Gambling Enforcement Act (UIGEA), which prohibits Americans from gambling games online and which seems the most pressing issue concerning the gambling public. Nonetheless, the bill targets only the American citizens and the US gambling and casino market. But the implications of this law spread globally. One of the notable effects is the higher stringency in money transferring procedure and banking options in gambling sites. This started in 2007 though in a vague, confusing manner. The outcome is the closure of online gambling sites as a result of reduction of stocks brought about by diminishing market as the US bans its people to join online gambling. Gambling sites outside United States also forbids registration of US players. Indeed, the effects of UIGEA travelled beyond the bounds of America, affecting worldwide gambling industry, impairing more casino sites than it ought to be.

Gambling on the Internet

So, you may want to check out how gambling is prospering in other nations which have continued the tradition of gambling. American gamblers are not entirely banned from joining the gambling sites and that should be clear. Some states still allow people to gamble despite the presence of UIGEA, which is not fully implemented across the nation. More countries around the globe are promoting casinos to compensate the dire slump in the US casino market. These countries include Barbuda and Antigua in the Caribbean area, where online gambling has been long successful and flourishing. The Caribbean has some of the best licensed online casinos whose boom has been due to low taxes and speedy transactions. Of course, apart from this Caribbean country, there are more countries that allow online gambling and online casinos to operate, such as France, Australia, South Korea, and Germany. These countries have long seen the economic advantage of supporting this kind of market.

Future of Gambling

The stability of both land based and online casinos is a subject of continuing debate. There is much discussion regarding the real economic benefits of promoting casinos and letting them thrive in the commercial scene. There is also an argument regarding the pros and cons of having them around and whether the benefits outweigh the disadvantages or is it the other way around. Nonetheless, experts believe that online gambling and roulette are sure to be around for a while and that this industry remains prosperous no matter what.

Traditional Gambling Versus Online Gambling

Gambling nowadays is not related to a mere recreation activity albeit it has now taken a new direction into business and industry. For some it’s a pleasure activity and for the others it is a lucrative business. Although gambling is not at all a new sport which has emerged in this century, it has been a favorite of our ancestors and the historians date back the involvement into this activity to prehistoric times. It has been factually proved that even the early caveman was a gambler.

Gambling to a layman would mean sport involving money and an easy way to multiply the same. Although being a part f this sport means staking of one thing or the other. History has witnessed several incidents where not only wealth and material objects were a part of this game but also one’s own identity or the ownership of a family member was staked.

Gambling activity in this century has taken a two dimensional outlook. With high paced lives and scarcity of time for almost everything, even recreation activities are time bound. To this new age life, Internet comfortably snuggles in and creates a position of its own, thus giving room to Online Gambling. As compared to traditional gambling practices where one has to be physically available in the arena of casino, online gambling gives us the comfort of gambling in the privacy of our homes or café.

To further elaborate on both the categories of gambling lets have a closer look into the basic features of both. Traditional gambling basically has three types of games involved namely the table games, random games and gaming machines. Almost all the categories in traditional gambling requires parting with physical cash and getting them converted into chips which are of various denominations and are then further used in the game. The only division of game which does not require conversion of cash into chips is that of slot machines. Here the gambler has to place a quarter into the slot machine and pull on the lever. There are still some games where cash is deposited, but that is mainly confined to games which involve huge jackpots. Generally in such games the basic deposit only sums up to a huge amounts.

Online gambling, on the other hand, is a relatively comfortable way of enjoying the game. Needless to say the reason for its manifold popularity goes to the time factor and the availability of pleasure at the click of a button. Moreover, in order to attract more and more people into online gambling the owners make their sites tempting by offering various payback schemes and added advantages to its members. All sorts of games can be selected by just logging on the website. Basically the games available in this form of gambling can be broadly divided into two categories, one in which a particular software needs to be downloaded and the other which can be played without it as well.

Comparative Analysis of Traditional Gambling and Online Gambling

Although online gambling is gaining momentum, traditional gambling is still the undisputed leader in the business. There are pros and cons in both forms of gambling and it depends upon the personal liking of each gambler as to which form suits his or her requirement.

In traditional gambling where one can find the adrenaline rising and pressure on one’s nerves, the same is a miss in online gambling to some extent. The pleasure of winning and celebrating can be only enjoyed in the traditional gambling. The drive behind playing it again and again lies in winning and celebrating, thus giving instant boost in business of the casino owners. Winning of one motivates thousands others to remain in the game. Thus if we see the involvement, pleasure and financial aspect of gambling, no doubt traditional gambling would take a lead into it.

Online gambling, on the other hand, suits one and all to the extent of people residing in remote areas where availability of an actual casino is a miss. All it requires is a basic internet connection and you are into the pleasure of the sport. It gives you the leverage of time and space. Another advantage of online gambling can be that one can enjoy huge payouts and bonuses, but along with it the companies keep a catch of not paying the entire earned amount in order to make the gambler play for long. The reason for making a player gamble for longer durations is that generally the longer you play the chances of you losing increase, thereby making the casino owners reap higher profit margins.

In terms of business traditional gambling is favorable to the casino owners. They have all the tools and tactics available to make a gambler play and stay for long which in turn means that the odds increase in the favour of casino owners. But for a gambler, traditional form of gambling may be of loss at times as the earnings are lesser than the actual amount earned. Generally the payouts are in terms of 5 or 6 times the actual amount put at stake but the casinos pay out lesser and so results in visible loss.

Conclusion

Gambling in the eyes of gambler has its own dimensions which cannot be gauged by the critics. Form of gambling may have difference of opinions but the ultimate pleasure of sport cannot be undermined in either form of gambling.

On the other hand gambling as a line of business may mean totally different to the casino owners. They would have an altogether different stream of thoughts to analyze the two forms of gambling.

To sum up, both the forms of gambling have their own set of advantages and disadvantages and none of it can be said to be perfect. It totally depends upon the individual to choose from the options available which can satiate his or her desire.

The only common thing in both the streams is to set up individual limits and to keep his or her decisive powers strong so as to know when to draw the line.

Offshore Gambling – A Real Review On Offshore Gambling

Offshore gambling is commonly defined as the voluntary risking of a sum of money called a wager, stake, or bet, on the outcome of a game or other event. Gambling is risking something of value on the outcome of an uncertain event. Gambling is central to almost everything we do as human beings. Gambling is legal in 48 of 50 states. Offshore gambling is very much a leisure activity.

Internet gambling, for the compulsive gambler is defined as follows: Any betting or wagering, for self or others, whether for money or not, no matter how slight or insignificant, where the outcome is uncertain or depends upon chance or skill constitutes gambling. Casino gambling involves betting, whether individually or in pools, in games of chance where the odds of winning or losing are artificially created so that those who win do so (at least in part) at the expense of those who lose. Offshore gambling has been branded the new “opium of the people” in a Church of Scotland report presented to the General Assembly. Internet gambling becomes a problem when it causes a negative impact on any area of the individual’s life. Internet casino gambling can include playing the on-line or video lottery games, playing cards, dice, or dominoes, playing slot machines, betting on sporting events (with or without a bookie), betting on the horses or greyhounds, betting on games of skill (bowling, pool, golf, video or arcade games), and many other activities.

Offshore gambling is the new pre-marital sex. Online gambling can be addictive, but only to persons that have an addictive personality. Online casinos are a choice adults make about how to spend their own money. Internet gambling is a more responsible way of gambling than going to a brick and mortar casino where there is no limit on the amount you loose, where you are encouraged to continue gambling. Blackjack gambling online for example, is growing rapidly over the last 2 years and attracts many companies to invest in this ancient game. Gambling systems can be better monitored to avoid problem gambling than traditional forms of land-based gambling. Online casinos have regulations in nations such as the United Kingdom, Ireland, Australia, and Antigua ensure that consumers are treated fairly and the games are completely honest. Online poker fans from the States are already comparing this era of prohibition to that of the 1920s. The level of interest in online gambling remained relatively consistent throughout the year and actually increased in July 2001, at the same time as the introduction of the Interactive Gambling Act.

Online casinos as they do present some difficulties for the new player to get accustomed to, have none of the intricacies as land-based casinos do. Gambling is based on the evil desire to get money or goods, which belong to someone else without giving fair value in exchange. Offshore gambling is big business, bringing in huge amounts of cash and tax revenue, and employing thousands of state citizens. Gambling is essentially an expression of a covetous spirit and in my opinion offshore gambling is so appealing because of the opportunity to get something for nothing. Online casinos are successfully regulated in many parts of the world, so it can obviously be regulated in the United States. If you think of gambling as a form of entertainment, that seems to take a lot of the mystique away, and it may be easier to see that gambling is pretty harmless if one looks at it from an economic point of view.

When Gambling Takes Over

The casino is a world onto itself. There are no windows, no clock, but there are flashing lights, and the din of clacking coins and whirring slot machines. Beyond the slots, figures are mesmerized at the crap table. Interest in poker hit new heights with televised Texas Hold ‘Em tournaments. For the majority of gamblers, this is excitement, recreation, a fun diversion or escape from the ordinary and a chance to beat the odds. For others, an estimated three percent of the adult population, it’s an addiction, an endless roller coaster of excitement and despair.

A pervasive characteristic of addiction of any kind is that the repeated behaviors have led to a range of negative consequences. This may be putting it mildly in the case of pathological gambling, because someone in the grips of compulsive gambling usually suffers severe blows to finances and relationships before seeking help. His or her life may be in shambles.

Often the compulsive gambler’s denial leads him to believe that the next round will save the day. Of course, if the numbers come up right, the cash or credit won is then “invested” again. Gambling addiction is hardly a recent development, but the advent of electronic poker and the break-neck speed of today’s slot machines, as well as Internet gambling have actually sped up the time it takes to gamble for fun and when it slips into problematic, then compulsive behavior.

Pathological gambling, like other addictions, is both a biological and a behavioral disease. While we don’t know all the factors leading to gambling addiction, they often include social, family and psychological elements. We do know that the brain neuropathways involving the brain’s mechanisms are affected in an individual’s perception of rewarding experiences. The emotional escape that an individual finds in gambling may become entrenched.

We have seen from 15-20 percent of patients who suffer from cross-addictive disorders, such as alcoholism or drug dependency with problem gambling. Some estimates state that 35 percent of those with substance abuse or dependence also have met the diagnostic criteria for pathological gambling at some point in their lives. The SOGS (South Oaks Gambling Screen) is the accepted psychosocial diagnostic tool to identify a gambling problem and its progression.

Both substance and gambling addiction are progressive diseases, and may be characterized by inability to control impulses (to use or to gamble) denial, anxiety mood swings and depression and the need for instant gratification. Gambling, like chemical dependency, offers euphoric highs, which are inevitably followed by emotional valleys and usually remorse and shame. A major difference in gambling versus substance addiction is that the alcoholic or drug addict doesn’t believe the substance is the answer to recovery and to his problems, while the compulsive gambler believes the Big Win will be the answer to all his problems.

Gambling addictions can also result in symptoms such as blackouts and sleep disorders and hopelessness. Divorce, relationship and work problems, even arrests are some devastating consequences of compulsive gambling. A person’s general health is often neglected, including medical conditions that have been ignored. Gambling addiction is certainly a family disease, creating a dysfunctional family system that revolves around the individual’s addiction. Children may be emotionally stranded as well as physically neglected. Kids are affected long term too, with studies estimating 35 to 50 percent of children of pathological gamblers eventually experiencing gambling problems of their own.

It is important that when chemical and gambling addictions co-occur, they are treated at the same time. Like chemical dependency, gambling addiction is addressed in holistic treatment based on the Twelve Step Philosophy. Treatment is individualized and takes into account issues of gender and age.

Gambling: is it the money?

Some experts, including Dr. Henry Lesieur, St. John’s University, NY, who co-authored the SOGS screening assessment, believe it isn’t really about the money, even though money becomes a looming issue. Seeking action seems to be the major impetus for many. Being in action may be similar to the high of taking cocaine. “Chasing losses” is term use by habitual gamblers to describe attempting to recoup the gambling losses by winning. The action gambler usually likes to gamble on site, at a casino, racetrack, or other “live” venue. Often they are identified by casinos as “high rollers” and received comped rooms and meals. Others, though, don’t gamble for action so much as numb their feelings with compulsive gambling, so it becomes the ultimate, albeit temporary escape.

Age and gender as factors

A study by University of Connecticut Health Center psychiatrists published in 2002 evaluated gamblers seeking treatment and found significant differences by age and gender in pathological gamblers. Middle aged (aged 36-55) and older gamblers tended to include more women, at 45-55 percent, than younger gamblers (aged 18-35) at 23 percent. Middle aged and older women didn’t begin gambling regularly until the age of 55, while older men reported a habit of lifelong gambling. Perhaps surprisingly, the women also wagered greatest amounts in the month prior to treatment. Younger gamblers reported most problems with substance abuse, social and legal problems, while older gamblers found more employment-related problems.

There is hope for recovery

Pathological gamblers, like others who suffer from addiction can and do recover. Cognitive Behavioral Therapy, with Rational Emotive Behavioral Therapy, can change unhealthy behaviors and thoughts, including false beliefs, rationalizations, and self-destructive feelings. Dialectical Behavioral Therapy also helps individuals to meet life on its own terms rather than escape painful emotions with compulsive addictions.

A holistic treatment program that addresses the root issues of addiction as well as any co-occurring disorders is an effective approach that treats the whole person. Continuing care may be essential, especially for impulse control, as well as ongoing participation in support groups such as Gamblers Anonymous. The recovering gambler may also need professional financial advise, and family therapy can help to develop a supportive, healthy family structure for sustained recovery.