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.

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Restaurant City is a 2D social restaurant management game that allows players to start and run their own restaurant from the ground up. Re-arrange and design your new restaurant with a variety of decorations. Hire a complete staff made up of friends, set the daily menu, gather ingredients, and keep the customers happy. Although comparable to other games like CafĂ© World and Pet Society where players can cook up savory meals in Restaurant City it’s all about the ingredients. Players buy, earn, trade, and even grow necessary recipe ingredients to create meals. Work with or compete against neighbors for the position of the top restaurant on the block.

Starting Your Own Restaurant, the Gameplay

In Restaurant City players are in charge of their own fully functioning restaurant. Each player starts out small with several tables, chairs, and stoves. Before the game can begin users have to hire some of their Facebook friends to work for them. A quick click on their avatar and then desired job will accomplish this task. Once all of the waiters, chefs, and janitors have been assigned players are ready for business. Restaurant City has a helpful Open Hours feature that allows players to choose opening and closing hours to fit into their playing schedule. This option prevents users from having to rush and log back in simply to check on their restaurant. There are various shifts available for managers to choose from. Each shift has a coin fee. Shorter shifts earn more profits since they’re cheaper. Players can schedule their employees to work any length of time from 30 minutes to 24 hours. Employees complete tasks automatically following their assigned duties. Janitors clean up spills, waiters serve meals, and chefs stay busy behind the stoves cooking. Players take on more of a managerial role so the gameplay is fairly slow paced. Coins and XP are earned through leveling dishes, serving customers, and visiting neighbors. Players spend most of their time using strategy to boost their rank, collecting necessary ingredients, and decorating. Each restaurant has a popularity number. The more satisfied customers the higher the rating will go up. Users have to figure out how to balance the staff in a way that will serve all of the incoming customers in a timely manner. Customers who have to wait too long will walk out and decrease the restaurant’s popularity rating.

The Ingredient Hunt

Restaurant City has a very diverse menu. It’s divided into four categories consisting of a starter, main, dessert, and drink. Players can serve customers Tuna Steak with Vegetables, Russian Cappuccino, Lobster, Hamburger and Fries, Pink Lemonade, Mango Pudding, Pork and Apple Chops, Chocolate Cake, Beef Enchilada, or Strawberry Milkshake. In order to cook a variety of meals, ingredients are needed. The ingredient market is limited and very expensive. There are only three items are on sale per day for coins. The rest of the ingredients require Playfish Cash to purchase. If a player doesn’t want to spend real money for common items like water, ice, bread, butter, flour, sugar, cheese, and eggs than they have to rely on their neighbors and other methods to obtain them. Players can receive ingredients daily for free by logging in and correctly be answering the Food Quiz. The questions often vary from real life cooking techniques to food trivia. It’s quite challenging. This is a unique feature in the game that educates players in a fun way. In Restaurant City an option to a garden is available similar to the game Pet Society. Players can grow their own fresh ingredients. The garden lot expands as a user levels up. Although it’s a nice touch there is no choice in the type of seeds that you can plant. A mysterious bag of unmarked seeds will produce random spices, vegetables, or fruit when ripe. New dishes can be learned and leveled up to increase XP when all the required ingredients have been collected. Neighbors can assist in the hunt for ingredients as well.

Checking Out the Competition

In Restaurant City friendly competition and friendship work hand in hand. Players can visit their friends’ restaurants to help out or take a trip to a random street to see how other restaurant moguls businesses are operating. Visiting neighbors can earn coins, XP, and a free ingredient. Remove trash from their floor like spilled soda cans, discarded pizza slices, and banana peels by clicking on them. Sometimes their restaurant may have a nasty leak, a blazing fire, a penguin invasion, a sleeping bear scaring away customers, or giant mushrooms in the garden that requires immediate attention. The first time a player visits a new neighbor they earn one free ingredient. This makes neighbors an essential part of gameplay. Users must rely on friends to earn a significant amount of XP to level up and to receive ingredients which can be tedious at times. Players can also trade ingredients with each other by clicking the Ingredient Trade icon. For some players who do not like to depend on their friends to advance in games constantly joining neighbor adds lists and bargaining for ingredients can be exhausting. All neighboring restaurants on the street are ranked in order by popularity. This system lets players know exactly how their restaurant measures up when compared to their buddies. Restaurant City takes full advantage of its multiplayer aspects allowing users to travel to random streets with players who are not neighbors and rate their restaurants.

Everything but the Kitchen Sink

The customization in Restaurant City is exceptional. Everything can be personalized from a player’s avatar to the minuscule details in the building’s exterior. Users have the option of keeping their avatar basic or personalizing it. Give your avatar a rock star Mohawk, a Princess Leila hairdo, villain attire, or cool shades. The game has dozens of various themes to choose from including a Roadside Diner, Saloon, Moroccan, Medieval, Eastern, Chinese, Japanese, Mexican, Psychedelic 60s, and Victorian style. There are also some fun unexpected designs like the UFO, Zombie, Ghost, Anime, and Princess available. It’s possible for players to create any kind of restaurant they want. The necessary basics like chairs, tables, stoves, toilets, and even drink dispensers come in an assortment of customized styles. Depending on the theme or desired look users have hundreds of items that they can add to renovate their restaurant. Click and drag new patterned tile floors, colored wallpaper, arcade machines, dividers, walls, aquariums, stereos, and arcade machines. The outside of the restaurant can be redesigned also. Change the building size from a small size to a behemoth building base. Attach various roofs or use decorations like a roving spotlight, balloons, lanterns, flags, flowers, canopy, menu signs, bouncer, benches, robot chef, and a magical unicorn. A very cool feature in Restaurant City is the music player that can be customized as well. Users can change the default elevator melody that plays over and over again to a catchier tune. Choose from the classic Pineapple Overture, upbeat My Irish Heart, Asian-inspired Delicate Spring, Latin Fiesta Brothers, or the cool mellow Lounge Lizard Slide.

Final Verdict: Great

Players participate in a competitive world overcrowded with restaurants all vying for top rank. In Restaurant City users have endless possibilities for customization. There are also some very cool features that keep the game entertaining. Explore the virtual streets in search for ingredients, listen to the music player while menu planning, message friends, or test your knowledge as a foodie in one their quizzes. It goes beyond other similar games like Cafe World or Pet Society by adding more social multiplayer options like the ingredient neighbor trade system. The slower paced gameplay with the Open Hours setting for scheduling play makes it perfect for busy gamers.