The Facts About Compulsive Gambling – Is it Treatable?

Compulsive gambling is a progressive behavior disorder in which an individual has an uncontrollable preoccupation and urge to gamble, emotional dependence on gambling, and loss of control. Compulsive gambling is considered a form of addiction. Compulsive gambling is a chronic condition: relapse after treatment is a real risk.GamblingGambling is any time you bet money or place something of value at risk in hopes of winning something of greater value. Gambling becomes a problem anytime it negatively affects any aspect of your life. Gambling debts may compromise one’s financial stability, cause problems with family and work, and prompt some individuals to engage in illegal activities, including espionage, as a means of covering their losses. Gambling can indeed become a life-threatening disease.MoneyDo I need to bet with money in order for it to be considered gambling. While most people gamble with money, others bet with things they own, such as CDs, jewelry, clothing or something else. It’s not the amount of money or value of the item that you risk losing that determines whether you’re gambling. People who gamble risk losing more than money or the things they own or value. They may betray the trust of loved ones by concocting outrageous lies as to where lost money has gone.AnonymousTreatment options include individual and group psychotherapy, and self-help support groups such as Gamblers Anonymous. Gamblers Anonymous follows the same pattern as Alcoholics Anonymous, including the same 12-step treatment program. The Gamblers Anonymous concept is that compulsive gamblers are really very sick people who can recover if they will follow to the best of their ability a simple program that has proved successful for thousands of other men and women with a gambling or compulsive gambling problem. Our experience has shown that the Gamblers Anonymous program will always work for any person who has a desire to stop gambling.Information24-hour Confidential HelpLine1- 888-ADMIT-IT(1-888-236-4848) If you are seeking information about problem gambling, you can call the HelpLine or post a message. Doesn’t matter if you’re looking for information for yourself or someone else, they’ve got just what you need. The Helpline provides 24-hour telephone coverage, supportive intervention and resource and referral information to persons seeking assistance regarding problem gambling. GAM-ANON provides information and help for the family members or friends of compulsive gamblers.ConclusionCompulsive gambling is a problem that exists in other countries and in the United States. However, just like other addictions, compulsive gambling is diagnosable and treatable. If nothing else, “What’s needed,” experts say, “is a greater public awareness that compulsive gambling is a serious problem.”

Filing Bankruptcy Due to Overwhelming Health Care Debt? Protect Your Future

Once you have decided to file bankruptcy to relieve overwhelming medical debt, you must consider how to best protect yourself in the future. Unless you take measures to prevent this debt from reoccurring, you can once again find yourself in medical debt without the benefit of filing for another bankruptcy. Protecting yourself from future medical debt should be one of your first concerns while filing for chapter 7 or chapter 13 bankruptcy. Individuals who have gone through bankruptcy due to devastating medical expenses have learned the hard way that their medical insurance was inadequate, and failed to completely protect them from financial disaster. Most individuals are insured through an employer-provided health care plan. These plans usually cover only a small percentage of the costs incurred after a catastrophic illness or emergency. Some individuals purchase their own health care plans. These individuals are usually self-employed. Individualized health care coverage is very expensive, and these plans have limitations as well. Still, there are options an individual can take to supplement their medical insurance coverage, minimizing their risk, of once again, becoming overwhelmed by medical debt.Customizing health insurance can be a useful tactic. Individuals who purchase their own medical insurance have the advantage of tailoring their insurance plan to suit their individual needs. They can change their deductibles and coverage to reflect their specific health circumstances. Although employer-provided health care insurance is usually cheaper, there is decreased ability to modify this plan to meet their individual needs. One option some employers offer is to provide a stipend in place of health care insurance. This allows an employee to shop for a more personal insurance plan.Catastrophic coverage is another option an individual can take to protect themselves from future medical liabilities. Catastrophic medical coverage is less expensive, and can be useful in enhancing an individual’s health plan by covering just medical emergencies.A Health Savings Account (HSA) can be a useful tool in managing medical debt. It is a tax-advantaged medical savings account available to taxpayers who are enrolled in a high deductible health plan. The funds contributed to a HSA are not subject to federal income tax at the time of deposit. These funds roll over and accumulate year to year if not spent. This approach allows the individual to set aside a certain amount every month into their HSA. These funds may be used to pay deductibles and other health care expenses not covered under their health care plan. A Flexible Spending Account (FSA) is another tool employers offer to assist employees to manage health care costs, but FSAs have significant disadvantages.These are a few examples that individuals can consider when optimizing their health care insurance to protect them and their loved ones from medical debt and the threat of bankruptcy. There are many other concerns an individual must consider when planning for a medical emergency, such as the loss of income. Medical emergencies are very unpredictable, and no individual is immune to the possibilities of a medical crisis. It’s a good idea to plan ahead for the financial impact of a potential health care crisis.D. Dye

Gambling Responsibly – Are You An Addict?

Legalization of certain forms of gambling have given way to the start of construction of many a gaming establishments which have been catering to services in both private as well as public spaces. Quite a number of people do argue that gambling leads to social illness and also that the public will have to deal with it while others think that the benefits of gambling outweighs the social problems it causes.Gambling has become very popular. According to a survey by the department of human services of Minnesota, over eighty percent of the adults in US have taken to gambling at least once in the previous year. This will surely give you an idea of the money that is involved in gambling.There are quite a large number of legal ways to gamble and a huge number of places to look for them also at the same time without putting you in any sort of trouble.1. Casinos are one of the best places to go to. If you want to get a personal experience then you can go in for the land based casinos. Casinos have the majority of the gambling activities within them. Games from slot machines to poker are available there.2. Stop, look and then listen – quite often friends and also acquaintances provide you with information that make be valuable to you regarding a place to be gambling at.3. The high-tech way – researches show that every two of twenty five net users have go on gaming centers online. If you love casinos and do not have the time to travel do it over the net.4. Software watch – gaming companies which are legitimate inform the public of the software that they are using to operate on their sites. Popular and protected ones are Wagerlogic, Bossmedia and Playtech, Cryptologic and Microgaming. Keep off from Electra Games, Iglobalmedia and also Handa-Lopez.5. Lottery – for those who can not go in for the casinos due to lack of money can still bet on lotteries. This is a way of gambling in which a huge number of people participate.6. Sport gambling – you can also bet on games like football or baseball if you are really interested in sports through official wagers and also bookmarkers. A very few card games make it to the sports. Poker is one such game.7. Gambling responsibility – gambling is a way of entertainment. But we should not forget that many people are getting addicted to it. You should only put in the money if you are sure you can afford to lose it.