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.

Reasons Why You Should Play Sudoku More

Sudoku is among the most popular brain number games. The game requires players to fill blank boxes in the puzzle using specific rules, thus pushing the brain extensively to solve. It is a good game that challenges and exercises the brain, bringing in lots of benefits too. Whereas it seems like a very difficult game that only adults can handle, there is easy Sudoku that suits children as well or beginners for that matter. If you like solving puzzles or playing other mind challenging games, then you should also consider playing Sudoku. Here are some of the benefits that come with the game making it worth trying out.

It increases focus – This game requires focusing complete attention to solving the numbers and in the end it helps improve mind wondering tendencies. By focusing clearly on the task, performance is greatly boosted and you will find that you are more alert. It is one of the reasons that the game is great even for kids.

It keeps the mind stimulated – This is because the number game keeps practicing the process of logical thinking. You also will greatly manage to improve number skills using this game.

It helps improve memory – The truth is that logic and memory do work hand in hand especially when playing this game. You will need to memorize the number and use logic to figure what the missing numbers are in the game.

It improves mental maths – This is an advantage that will work very well especially with kids. Sudoku has a way of polishing cognitive skills in children because it familiarizes them with numbers. It becomes very easy for them to work out sums without the need to write everything down and work them out.

It boosts happiness – By managing to accomplish the puzzles, you will have a happy sense of accomplishment and this keeps you happy. This is especially the case when you finally nail a difficult puzzle that gave you lots of challenges to solve.

It reduces risks of Alzheimer’s – It does this by keeping the brain active, hence lowering the risks of the condition. It is indeed very good for the brain.

It helps divert energy in a positive way – There are so things that can be done with extra time but not all of them are beneficial. In fact, most are time wasters and bring nothing positive, especially where children are concerned. This puzzle makes a very beneficial filler into that extra time and in the end it also teaches children how to be patient and never to give up.

The fact that Sudoku can be enjoyed in different levels makes it great for both children and adults. Even as a beginner, you can find puzzles that challenge you but are not necessarily difficult, so you can move up the levels according to how comfortable you are and how far you are willing to challenge your mind. The many benefits definitely make the brain game worth playing.

Long Before Las Vegas – History of Gambling in the US

It’s hard not to think of the glittering lights and non-stop pace of the Las Vegas strip when you think of gambling. Twenty-four hours a day, seven days a week there are people crowded around the blackjack and roulette tables hoping to hit it big. Gambling has long been a topic that leads to heated debates for a long time. However, gambling in the United States has a history that dates us back a long time before Las Vegas came around.

Gambling can be dated back to the earliest days of settlers in the 17th century. Attitudes about gambling varied by settlements as each one was founded by different members of the British colonies. The Puritans outlawed pretty much any form of gambling including dice, cards and even private tables. There was a lot of hostility towards the thought of someone who made gambling their profession. The English on the other hand, saw gambling as a pleasant and harmless distraction from everyday life and it was a popular past time. Eventually, people came to blame the problems of the new colonies on gambling and acceptance of it waned.

Once the early 19th century rolled around, gambling was still prevalent throughout the United States but it had begun to take on new forms. Lotteries were a very popular way to raise revenue for the states. The proceeds from lottery profits were used to build public works building such as schools and churches. Another form of gambling that popped up in the 19th century was horse racing. It was not nearly as large nor as organized as horse racing today but this is the first time we see gambling taking on new forms.

As the settlers of the United States moved west, so did gambling. It began to take on a more organized form in the sense of casinos. The purpose of these establishments however was not so much to raise revenue for the community but to take advantage of those making the long trek west. During this time in the 1800s, criticism of gambling on moral grounds was increasing. Scandals throughout lottery institutions and more permanent gambling casinos that were taking advantage of people were hit hard by social reform and eventually most forms of gambling throughout the country was prohibited.

When the gold rush hit California in the mid 1800s, people were itching to spend their new found wealth and gambling found its new mecca. Gambling spread through the state like wild fire and both private and public parties were relying on the revenue. Eventually, the popular mind set against gambling made its way west to California and laws were set in place to limit gambling. By the end of the 19th century, most forms of gambling were illegal but this of course did not stop people – it simply drove them out of sight of the authorities.

Limits on gambling began to subside into the 20th century and by the time the Great Depression hit in the 1930s, the public attitude towards gambling eased up significantly. All of a sudden gambling was not seen as a crime but as a way to help stimulate the economy. Forms of gambling such as bingo and horse racing saw a huge comeback during this time period. It was also during the 1930′s that gambling as an industry was formed in the state of Nevada – by organized crime professionals. There is still a fine line to walk between the crime world and the legal political world when it comes to gambling and forms of gambling other than government regulated lotteries are illegal in most states. There will surely be another shift in how gambling is viewed in this country and there will probably never be an agreement on the moral implications of such a practice but, it is sure that gambling will continue to evolve.