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.

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.

The Importance of Using Visual Concepts in The Production of Video Games

Responsibilities of an artwork studio and its impact on the production of a game.

Within the whole structure of a game development studio, building a good team and effective planning is critical to any project.

Pre-production is a crucial time when game design decisions will reflect the bottom line.

A fundamental part of this planning is the choice of the graphic characteristics of the project, where the function of a video game studio goes beyond the design of efficient mechanics and opens space for the creation of a visual identity that should reflect the objectives of the project at first sight.

Regardless of the platform where the project will be launched, the visual identity represents the player’s entrance to the world that is presented to him, it is by this element that the player identifies with the atmosphere, becomes familiar with the setting and the plot and is The main immersion tool the game can offer.

All this process of visual creation is in the hands of artwork studio and its professionals dedicated to artistic visual creation, responsible for video game art. The main function of the designer is the creation of interface mediated communication within the game, as in any work that uses design concepts, the function of artwork studio is to transmit information visually and interactively to the player.

Development of New Rendering Technologies

Over the years, the technology surrounding the gaming world has been growing ever faster, with new possibilities for more convincing and interactive visual simulation. The development of new engines, new production tools and the application of art concepts in productions, brings the gaming industry closer and closer to giants such as the film industry for example, in terms of investments, profits and media notoriety.

The responsibility of an artwork studio in defining the visual identity of the project is immense, defining color palettes, styles and compositions within design concepts directly influence the player’s experience.

It is the visual communication that tells the player whether an element of the scenario can be explosive, or whether a character is ally, neutral or villain, plus many self-explanatory information that saves time leaves the experience more fluid.

Independent Video Game Studio

Acting against the way of the big producers, the small independent game development studios, take the visual appeal in the background and focus on the gameplay and the constant experience of satisfaction to the player.

Using retro styles, taking advantage of already established mechanics, games of categories like 2d beat ups and side scrolling games are increasingly common, especially on the mobile platforms, Android itself has become the main way to produce and publish games independently.

In the early days of the gaming industry, games were made exclusively by programmers who understood absolutely nothing of design or visual arts, which left these games with a raw look and with little, if any, environmental interaction with the player.

Android Games – Tips to Get the Best of It

Do you wish to kill your free time when the only company you have is your Android phone? Did you know that Android games are the most interesting and fun filled stuff to cram your phone with? Go through this article to know more about these games and their fun factors.

Android games are diversified into many categories; informational, educational, shooting games, puzzles, sports, racing, augmented reality games, location-based games and more. All these types are available for both high end and low-end Android phones.

There are low specification games for those low-end models so that you can enjoy them in your budget phones as well. This includes the lesser graphics content games that does not take much of your space. It is suitable for Android phones with low GPUs and smaller screen size as well.

Both freemium and premium games are available in the stores. Premium are paid-for games and freemium is the free games which often contain in-app purchase at certain levels. So it is advisable to monitor if someone other than you (like your kid) is using your phone; don’t click on those purchase options without knowledge.

To enjoy the best high graphics and well-designed gameplay, it is better to get a high-end model with a bigger screen and good GPU. Even you can enjoy those high-quality gaming effects by increasing the performance of your low spec, budget Android phones.

First and the simplest method to increase your low-end smartphone performance is by killing the applications that are running in the background before you start the game. You can use several task killer applications for this, as well. Most of the Android phones contain many applications that are of no use to an average user. These applications can be disabled which in turn increases the performance of your phone.

All you need to do is, go to settings, select ‘apps’, then select the applications to be disabled and click the ‘disable’ button. All these applications can be enabled in the future if you need them. Usually, the uninstalled applications or your internet browser often leaves behind junk files. These cache data often reduces your phone performance. To clear these data, go to ‘settings’ and click ‘storage option’, then select the cached data button and press okay.

Always opt for a class 10 SD card to increase your phone’s gaming performance. Using these SD cards will increase the read and write speed and hence reduces the loading time and other lags that any high graphics game would demand. Those rooted Android phones have more facilities to increase their performance. The background task killer applications work to their fullest only if they are in a rooted Android version. Seeder software can be installed in a rooted Android phone, which reduces the lag during switching between applications.

The Importance of Games in Our Daily Lives

Talking about games, who does not wish to play? They are an integral part of our lives and whether kids or adults, none can refrain from it. They are both a part of recreation and a great form of being physically fit and even getting rewarded. Games also teach us about many ethics and values which even help us later in life. Many a times the importance and benefits of playing games gets unnoticed and it is thus significant that one keeps in mind the following points. Let us take a look here…

Points to ponder while playing games

• The main constituents of any game is to reach a target, follow the set rules, face trials and tests and have proper interface.
• Games also help to stimulate the decision making skills and allow to take challenges.
• There are varieties of games, such as games that require devices, bound by a few rules to be followed, need special skill sets. There are indoor and outdoor games, online games, video console gaming, some teach us about coordination and attention to detail, some require role play, a few that teach us about playing as a team, etc.
• A few games are also a part of sports and playing sports makes a person physically active and fit as it is a form of physical exercise and stimulates the whole body movement.

Benefits of playing games

• By playing games one can enhance the retention power and even stimulate the competitive spirit.
• Teaches about coordination and even brings out creativity.
• Playing games is a great source of learning and one can learn from it regularly.
• It helps in reducing the stress levels which are generally higher in the present scenario.
• Playing games in groups also help us to increase our socializing skills and keeps us in sync with others.
• With the intention of reaching a goal, we make conscious and deliberate effort to be more focussed, which helps us in improving our attention power.
• Games are a good way to teach one to accept defeat in life and even face hardships.

Good health is the key to a happy and successful life and games in the form of sports or in other forms teaches one, skills which are required later to face a tougher life. Thus games make you a lot stronger, independent and helps in facing the world with full rigour. They even make you accustomed to the bitter taste of defeat and also builds the morale and prepares you to be even more determined and taste victory. So, it is truly said “All work and no play, makes Jack a dull boy”!

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.

Ways to Make Your Gaming Experience Safe

Games are an indispensable part of our life. Right from the kids to the elders, we are all interested in games. And the credit goes to that introduction of games in desktops. Nowadays, there are several devices that have been introduced in the attempt to recreate gaming experience on the go. They are of great use but to my belief, none can recreate the experience that PC games offer. They are interesting and with them, you are sure to forget everything else.

Only playing games would not do. You also have to maintain the security and safety being a conscious gamer. If you play online then there are several threats that might attack your PC. So you need to know some hacks that make gaming safer. Let us guide you with some of them.

Check the Links

If you are an online player and interact with many such players then you have to be sure that you are dealing with a genuine site. Check the URL if it is having a locked symbol in green color. This is a simple way that demarcates that all your data on the PC is safe. Do not use links that might be linked to several pages. Try to avoid links whose main page can be reached after visiting several pages.

No Personal Information, Please!

There are games that ask for personal information. It is normal to ask your gender and age but if the game goes way too far try avoiding it. Don’t use too much personal information because that can lead to duplication or misuse of identity. So, try to provide minimum information that is of least importance. Also, avoid sharing your location while you are playing online.

Use Antivirus Systems

New viruses are being invented almost every day. So, prevention is a must. The easiest and hassle free way to make your PC and any gaming safe is by using antivirus or internet security systems. This will prevent any unauthorised access to the infected or highly malicious sites. Even if some threats try to attack the system will automatically prevent it and make it safe. Having an antivirus will prevent duplication of data because of any breach of the security.

Fortnite Basics

Fortnite is the name of a hit new game that was released back in September of 2017. When it was first released there was very little hype about it and did not receive much attention at its initial release. Due to that simple fact, the company that created it decided to offer a portion of the game for free and since the game has become probably the most popular in the world now. There are many aspects that make the game unique.

First off, it is a third person shooter but very animated in its positioning so not very serious in a manner of terms. Along with being a shooter game you are able to harvest materials such as wood, brick and metal and craft different building structures like ramps, walls, floors, and really anything imaginable. The point of the game is to be the last player or squad standing. The game starts out with one hundred players all dropping in from a school bus held in the air by a hot air balloon to a giant island with different little towns and places marked on the map. Each person drops off of the bus and once they land they loot for weapons and shield before someone else finds the loot first. There are many different types of weapons like shotguns, rifles, rocket launchers and many other different weaponry to find. Players open up golden chests that give you multiple items usable in game like potions and weapons as mentioned above. Once a player has the loot they want they must move into the storm circle as the outside storm closes in slowly and forces players together. The storm will slowly decrease your health if you are caught in it till eventually your health runs out. Once your health runs out there is no respawning into the same game as you must start over from the beginning.

The ultimate goal is to be the last one standing and achieve a “Victory Royale”. It is a difficult feat as there are many highly skilled players out there that play and compete viciously on a regular basis. The key that has been found by most of these highly skilled gamers is to be able to build more efficiently and quickly in the heat of a gun fight. These builders are usually the most skilled of players and tend to win more of the games they play. Inexperienced players that are still learning the overall flow of the game do not usually find their first win till many games played. As time has gone on the developers of the game have added special limited time game modes to the mix as well to keep the game interesting and their die-hard players entertained and not becoming bored after so long. The mode that has become a favorite of many is the high explosive mode which takes away all normal weapons and leaves players wandering around the map finding grenade launchers and rocket launchers and a few other specialty weapons to win the game with. These additional modes provide a skill change and allow newer players to become more accustomed to items that are less prevalent in the normal mode and allows them to experiment more freely so they are not unprepared in the regular mode.

Addiction – When Gambling Becomes a Problem

While most people enjoy casino gambling, sports betting, lottery and bingo playing for the fun and excitement it provides, others may experience gambling as an addictive and distractive habit. Statistics show that while 85 percent of the adult population in the US enjoys some type of gambling every year, between 2 and 3 percent of will develop a gambling problem and 1 percent of them are diagnosed as pathological gamblers.

Where can you draw the line between harmless gambling to problem gambling? How can you tell if you or your friend are compulsive gamblers? Here you can find answers to these questions and other questions regarding problem gambling and gambling addiction.

What is the Meaning of Problem Gambling?

Problem gambling or compulsive gambling is defined as an uncontrollable urge to gamble despite the destructive effect of gambling on the gamblers life and despite feelings of guilt and remorse. Problem gambling tends to have a negative effect on the gamblers financial state, relationships and daily life. Severe cases of problem gambling can be defined as pathological gambling.

Am I a Compulsive Gambler?

1) Do you gamble until your last penny runs out?

2) Do you gamble to win back your former losses or debts?

3) Did you ever had to borrow money to continue gamble?

4) Did your gambling habit ever made you lie to your friends or family?

5) Did you ever skip work or other obligation to gamble?

6) Do you tend to gamble to forget about your personal problems or to celebrate happy occasions?

7) Does gambling have a negative affect on your daily life or relationships?

If you have answered yes on at least one of the questions listed above, then you have a problem.

Can Anyone Become a Compulsive Gambler?

Theoretically, yes. Any gambler can develop gambling problem regardless to the type of gambling he is occupied with, the amount of money and time he is spending on gambling. Researches show that slot machines that can be found in bars and convenient stores are the most addictive type of gambling activity, while lottery draws and bingo games are located on the other end of the scale. Gambling addiction is an emotional problem; its symptoms, causes and treatments are similar to any other form of addiction.

How Can I treat Gambling Addiction?

1) Group Therapy:

Gamblers Anonymous offers a 12 step self help program similar to the one offered to alcohol addicts in Alcoholics Anonymous. Group therapy also offers gambling addicts advice and support from professional counselors and other gambling addicts in different phases of their recovery process. Gambler Anonymous centers are available in more than 1,200 locations statewide.

2) Individual Therapy:

Cognitive or behavior therapy can help gambling addicts to identify their unaware thinking and acting patterns, which led them to gamble compulsively, and to replace them with controllable and healthier ways of thinking.

3) Psychiatric Medication:

It has recently been proven that antidepressant medications from the family of SSRIs, selective serotonin reuptake inhibitors can be affective in treatment of gambling addicts.

Benefits of Buying LoL Smurfs Accounts

Just like other things you buy in life, know that there are some risks associated with buying unranked LOL smurf accounts. By following the tips given in this article, you can make this purchase free of risk. You can use the state of the art technology in order to get genuine accounts. Genuine sellers will give you guarantee so that you rest assured.

Risks

Buying LOL smurfs online is a great idea provided you know what you are doing. Before you make this decision, we want to make sure you know the risks. With the right tips in mind, you can avoid the risks and buy the accounts being on the safe side. Read on to know more.

Banned Accounts

First of all, it’s important to keep in mind that banned accounts are one of the main risks you need to be aware of. If you want to avoid this risk, make sure you use the right platform to buy from. Remember: you can’t get these accounts for free.

It’s better to avoid buying from most auction sites. Most accounts on these sites are already banned. One of the most reliable sources is lol-smurfs only. As far as reliability goes, nothing can beat this platform.

Play With Those who have Lower Ranks

If you want to play the game with your friends who have lower ranks, you need to purchase the LOL accounts. After all, you can’t play with them if you have a higher level than them.

Also, if your original account has a lower ranking, you can give the game a go with a new account. Smurf accounts can be a great deal if you want to play the game with your pals.

If you choose to use your original account, the game will allow you to play with high-risk games and fresh players. Buying new accounts allows you to reset your rank. So, you can play at the same level as your friends.

This way you can get the same level of enjoyment playing the game with your friends and family.

Benefits of Buying LOL Smurf Accounts

As said earlier, buying LOL smurf accounts offers a number of benefits that you can enjoy if you opt for the right seller. Let’s take a look at two of the main benefits in this article. Discussing all the benefits is not possible in this article.

If you have a higher ELO, it may not be easier for you to avoid long queue times. If you are a busy guy and can’t spend hours waiting for your turn, you can save a good deal of time with purchased accounts. It can make a huge difference to your game playing experience.

With bought accounts, you can enjoy the game with your friends without worrying about your win rate. After all, you don’t want to make a choice between your rating and friends. This is another primary benefit you can enjoy if you spend a little bit of money and make this purchase.