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 DebtsWhen 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 GamblingIn 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 DebtsIt 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.Keep a proper, ongoing record of everything you spend – take steps to bring home the fact that the money you are using is real.

Horse Fun and Games – The Making of a Card Game

For those of us who love everything equine, horses and games make a great entertainment combination. Creating a horse-themed card game is hard work and requires a lot of careful consideration. This article talks about the early days of discovery for the developers at Funleague Games as they embarked upon the journey of designing their very first card game called “Perfect Stride: Cross-Country!” Naturally, as with many things, the game started out as an idea. We wanted to create a fun horse game that was fanciful and stylized, yet still stayed somewhat true to the experience of riding a horse. Representing the idea of racing at high speed across country on horseback through a card game presented its share of challenges. We experimented with a lot of ideas and several times we experienced moments of “aha! This is it!” and away we’d go full-steam…only to discover a problem. The gameplay logistics were the main sticking points. We were cutting some new ground with this card game; it wasn’t closely based on any other specific game so we didn’t have a tried-and-true template to work from. Rather, we referenced bits and pieces of gameplay elements from other games we’d played and from our own vision of how we thought things should work considering the experience we were trying to emulate. Two other resources that have definitely been invaluable are Board Game Geek and Board Game Designer’s Forum. Thanks to everyone there who has posted such excellent info! Here are some examples of things we had a tough time figuring out: Our card game is essentially a race across country on horseback. You jump obstacles along the way…how do you represent that? Do you use tiles? Do you lay the cards out all at once, or one at a time? Face-up? Face-down? That kind of thing. Another element we struggled with was how the rider order was represented during the course of the race.If you were in first, but then dropped back to third, how would you know? We tried a bunch of things such as using charts, placing a token amongst the jump cards, etc. After a lot of trial and error, we eventually figured out a system that wasn’t confusing (unlike our earlier versions). We also struggled with trying to inject some strategy into the gameplay. We definitely didn’t want this game to be all about “luck of the draw”. We wanted the players to have to evaluate each situation and choose a best course of action. Strategy does add depth to a game, but on the flip side of this, a bit of chance can really spice things up and keep you wondering as you draw that next card. As this was a racing game, we didn’t want the players to get too bogged down pondering their options. That would detract from the idea that you were all moving at high speed over terrain in a dash for the finish line. Those were just some of the many things we needed to figure out as we developed our initial idea into something fun, functional and richly thematic. After emerging from the idea phase, we entered a stage of development where we needed to examine more practical business considerations: How big should the deck be?That has proven to depend upon a few things such as number of players, how many variables we were prepared to deal with, printing costs and art costs. We wanted the deck to have substance, yet still maintain some kind of control on the budget.
What should we price the game at?Now that one is ongoing. Naturally we need to make some sort of profit as a reward for our hard efforts and the main way to estimate what kind of pricing is involved is by breaking down the “per-unit costs”. For example, we make an initial assumption that the first print run might be about 5000 copies. Therefore, we would get a printing quote for 5000 copies of the game. And then add to that the cost for artwork creation. And legal fees. And advertising. That sort of thing. Add all those costs together, and divide by 5000. That will be our per-unit cost.How should we package and present the game?We need to look at a couple of key things here. One is; what kind of presentation will be most appealing to people? We want the theme to be immediately recognizable and we want to convey the message that this is a quality game. A game where it’s a high-calibre entertainment experience made of durable materials that will be a pleasure to handle. The other consideration is how much will the packaging and materials cost? Printing/manufacturing costs are arguably THE most expensive part of creating a board or card game. And the quotes will vary widely with each print shop we approach.Legal stuff?A board or card game is a creative product. It’s art and entertainment, meets commerce. There’s intellectual property, copyright, trademarks and other basic business considerations. We recognize that it’s a good idea to protect our hard work and ensure that all communication is organized and in writing. Legal stuff is not only about protecting what’s ours; it’s also about being clear about obligations when engaging in business with another party. When it comes to hiring artists to create artwork for a game, copyright ownership is one of the biggest key factors. It’s important to ensure clarity about who owns the art. Paying an artist to create artwork doesn’t necessarily mean we actually own it. It’s essential to have an “Artist Agreement” in place. This is a legal document that details the rights and obligations between Funleague Games and the artist. Artists work hard to do what they do best (we know this firsthand…Jeff and I are both professional artists) and naturally will want to be clear about all the details involving the work they do.What kind of art style am I looking for?This is an important thing to figure out, but it can be a tough one. The style of art is heavily influenced by the style of the hired artist(s) working on your project. It’s important to choose carefully who will be creating the visuals for the game. Arguably good art will sell more copies of a bad game than bad art on a good game. People like things to look “cool” or “beautiful”. Make sure you deliver in spades in this area by having a strong vision for what your game should look like and by only hiring artists who have an art style compatible with that vision. Art style should also take into consideration the target market your game is aimed at. In the case of Perfect Stride: Cross-Country!, I’m going for a style that is distinct from other games on the market. I also want the style to be inclusive and appealing to the full range of my target audience. For example, I need to avoid an art style that is too “young” as my target audience are people ages 7 and up. I want to feature artwork that has a fun innocence to it, but at the same time possesses enough refinement to appeal to a more mature audience.Who’s our audience?This is important right out of the gate (now there’s a theme-appropriate expression :) . Even at the earliest design phase it’s important to know our demographic. For example, if we designed a game to include a lot of deep and subtle complexities or tons of arithmetic, chances are that kids under 7 years of age could find the game too difficult. As for Perfect Stride: Cross-Country!, I feel that this will be a game that can be enjoyed by almost everybody, but the primary audience will likely be people who love horses. And as there is an element of strategy to the game, the very young may struggle with some of the gameplay concepts.Marketing?This is SOOOOoooo important. If Jeff and I never bother to get the word out about our really cool game, how are we going to sell it? Entire books (and even university degrees) are devoted to the topic of marketing, but suffice it to say it’s important that we learn a little bit about how to promote our product. Not only will we not sell any (or very few) copies, but so many people will never get the chance to enjoy a super-fun horse-themed experience! As our game is very strongly based on a specific theme (or niche) one of the first things we’ll do is seek to get the word out at places where the horse-loving public like to visit such as horse-themed websites, tack shops, equestrian magazines, etc.As you can see, we have our work cut out for us, but the creation of this card game has been a wonderful journey so far. We look forward to the time when the game is complete and ready to be enjoyed by many!

Are You Up For an Action Or Adventure Online Game?

There are many online games available on the internet. Any of them are great to escape from the reality of everyday life for a while. Action and adventure online games are very popular. You have to decide if you are keen to try sailing the high seas with a pirate crew or try riding a motorcycle through a flaming hoop or the adventure of trudging through forests, living on an island or taking over the business world.Now, you need a good computer system which can handle a serious gaming situation. There could be nothing more frustrating than to be on the winning streak of a pirate fight at sea and vvoom…… your computer freezes.There are varying game sites available to choose. Some sites offer a free basic membership, some sites offer a fairly cheap membership, some sites offer a more expensive membership and some sites offer a free trial period before you have the option of signing up for a paid membership. Basically you get what you pay for. The more expensive the membership is the more rewarding and exciting the game is eg for your great fantasy adventure a free account could give you basic weaponry and your game is more likely to be based on sheer luck and a paid membership could provide you with more heavily armed opponents. It is a good idea to understand what you get with a free membership and paid membership before starting any account. If the site requires a paid membership then you need to be aware of whether it is a monthly subscription, a one off payment or a pay per play game, and how much the costs are.Another point to consider when choosing online games to play is the frequency you will play. This may impact the cost you are willing to pay. If you are only going to play once a month then it will not be worth your while paying a monthly fee. If you aim to play often then it would be little point in playing the pay per play games. Free sites or pay per play sites are great for the infrequent or new gamers and a monthly membership is great for the frequent gamers.When you search out a game you will land on a page that should give you information on points such as requirements of the game, ratings of the game, how to play the game and more. If you have young players interested in action or adventure online games, check it out for suitability.Lastly, these online games of adventure and action are fun, exciting and great for hand / eye coordination and overall mental health. Studies have shown that these games help exercise the brain which is just as important as physical exercise to your overall health and well being.So what you should do now is decide if you are up for an action or adventure online game to stimulate your mind in your free time.


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