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.

4 Popular Online Free Shooting Games

If you are a fan of video or computer games then you know it has taken a lot of alterations and advancements to get to the level that they are at these days. In the past and even in some cases today, video games can cost you a lot of money to purchase; however, with the emergence of free online games, you no longer have to spend cash on games to enjoy a good game. If you are a lover of action, then online games will not disappoint you since there are numerous types of free shooting games online. Some of the most popular online games that you are sure to enjoy include the following:

> F.E.A.R. Combat

If you have never played this free online game then you are missing some hot action. For those of you who do not know, F.E.A.R is a short form of First Encounter Assault Recon. Many people have been playing this game for many years on their computer but now can enjoy the newly released multi-player online version. Though the name is just an acronym, fear suns up the theme of the game. You can either choose to play a Special Forces member or as one of the cloned soldiers. You can now download the game free from various online sites.

> Gunz the Duel

This is not just any other online shooter game. It offers the ultimate experience in terms of graphics and effects. The game allows you to use both guns and swords as your weapons to fight bad forces. It involves acrobatic features that create are entertaining to watch. You can acquire new and advanced weapons by attaining higher levels of the game or by purchasing using real money. Once you download the game, use your web browser to start it whenever you want to play.

> Warsow

This is a fast shooting game featuring interesting acrobatic moves to keep you glued to the screen. Some of the acrobatic moves are complicated but once you learn them you can really move fast in the game. To help you get the hang of it, the game comes with a few tutorials. It is as much about shooting as acrobatics.

> Nexuiz

This is the fourth most popular online shooting game that you can download and play free. The game is fast paced an employs the use of unique weapons besides guns. If you want to experience some adrenaline rush then this is your game.

Want to Save Some Money? Play Some Free Browser Games!

With many console games costing hundreds of dollars and game titles usually starting out at 40-80 dollars, a good alternative is to play any of the thousands of free online games. You can forgo the need to purchase a brand new HDTV and the latest audio equipment and simply use any modern computer with internet access to entertain yourself for hours.

Finding Good Quality Games

Often the best way to find the most entertaining games is word of mouth and often Google searches yield excellent search results. I find the best quality games are often found on games portals as they pre-screen their games for variety, quality and hold them to high standards.

Another option is bloggers that are often quite passionate about the newest and most entertaining games available so they are often a very useful resource when searching for new games to try out. There are thousands of these blogs available that are updated daily so I would recommend searching out one that appeals to you.

Game Portals

Online game portals have achieved broad success as a result of increased broadband connections among consumers but even dial-up modems are able to play many of these games due to the small file size of them. The increase of internet access speed also means that game developers are able to create higher quality games with better graphics and game play. Fans of all genre, type and flavor of game will be able to quickly find some entertaining ways to spend their time.

An example of an immensely popular browser-based game portal would be Miniclip which has upwards of 43 million unique visitors on their website per month. These larger portals often feature localization in multiple languages such as English, Korean, Italian, Chinese, Spanish, Polish, Portuguese and French.

Other very large and successful Game Portal sites would include Yahoo Games, Kongregate, Newgrounds and Armor Games. Millions of users every month visit these websites playing a variety of games ranging from chess to zombie games.

Variety is one of the most compelling features of these free portals so you will often find categories such as Action, Adventure, Girls, MMO, Racing and Multiplayer games. As well you can find entire game portals devoted solely to one type of category such as Racing Games or Dressup games for example.

Game Formats

The most popular format used for these games would be Adobe Flash Player. This format has become very well distributed across the desktop market resulting in market dominance. Adobe makes the claim that 98% of US web users have their software player installed. Also one of the best aspects of Flash is it is not specific to PC or Mac, but usable by both types of personal computer.

Other types of formats online browser games can include Html, Java, Shockwave, Unity and the newer Microsoft Silverlight format. Most new computers do not come pre-installed with the above game players so when you attempt to play a game without the appropriate software, it will often auto install the software for you.

Popularity

Numerous studies from research groups such as Deloitte & Touche have released reports detailing the surging popularity of online games. A five fold growth prediction was touted recently in one of their white papers. Developing nations such as China, India and Latin America are poised to introduce millions more of gamers which will drive the demand for even more games and games portals.

Summary

Browser games only require an internet connection and a web browser so why not give them a try, its one of the fastest growing game markets. They are fun, unique, often innovative and the best part they are all available at no cost at all.