College Students …Don’t Get Drawn Into Online Gambling as Student Debt is Bad Enough. Tips-How to Delete Student Debt.

College Students …Don’t Get Drawn Into Online Gambling as Student Debt is Bad Enough. Tips-How to Delete Student Debt.

 

I am keenly aware how much of a “Game Changer” the laws passing in many states in America “Legalizing Online Sports Betting” IS …Let’s face it, college students love supporting their school’s teams in any form of sports and with “March Madness” in full swing, students may be more willing to give it a try. BUT? Many can be more leaning to, and it can become a problem for them. Hence,
MARCH is also Problem Gambling Awareness Month.

Now, I am not saying students WILL become addicted to online sports betting, but the possibility is always there. That would be devastating to these students as many already when leaving college are swimming in Student Debt!

If you are a student, and you feel the need to gamble or bet on sports? Please do it responsibly, and my Guest Article is here to help share some tips and advice on helping YOU get of Student/College Debt.

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Helping College Student Get Out of Debt 


You’ve made it. You’ve passed all your final exams, lined up a few potential job opportunities, and are ready to get that degree in your hands. Maybe you had hopes that all those
anxieties you felt before you started your first semester of college would be gone after four years of schooling. But graduating brings on a whole new set of challenges. Finding a job in your field of study, finding affordable housing, and of course, paying off the loans that have been building up over time.


More than 40 million Americans have some form of student loan debt, with almost 6 million of those borrows owing more than $50,000. These numbers aren’t meant to scare you, but more to show you that you’re not alone in this. This kind of debt can take a mental toll as much as a financial toll. Maybe you have a plan in place to keep your student loan payments in check, but what about those that don’t? After all, it’s difficult enough to get through a grueling college experience, let alone prepare a foolproof plan to pay back your loans in a timely manner.

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What’s the First Step?


There are a few rather simple ways to help manage your student loans, and you may even find a few tips out there on how to stop paying your student loans altogether. However you decide to pay off your debt, whether you choose to enroll in income-driven repayments, pursue a career in public service, or receive loan forgiveness; the first step to managing debt is understanding it.


Understanding what type of loans you currently have to pay back will give you a better idea of how to pick the right repayment options. There are two types of student loans:

  • Federal Loans
  • Private Loans

Federal loans have protections from lenders, where private loans do not. It’s likely that you filed for federal student loans at some point during your time in college. Since private loans are not backed by the federal government, they are far more risky and expensive than federal loans. For that reason, they’re not nearly as popular.


Regardless of which type of loan you have, make sure to check out the National Student Loan Data System to view a complete listing of all your federal loans. If you’re not seeing some of them on there, they’re likely private loans. Begin by viewing your current credit reports, and make note of both the lender contact information and balances of each private loan. Both of these things will be necessary for the future.

Pick a Repayment Method


Repayments can be both daunting and downright confusing. Take the time to fully understand the pros and cons of each method of repayment. There will be trade-offs between each option, but here is a general overview of each:

  1. Standard Repayment

For loans that aren’t consolidated, you can choose to repay in a standard method. All this means is that your payments will be the same over a ten year period. Depending on your balance, these monthly payments may be high, but the quicker you pay off your loan the less you’ll be paying in interest.

  1. Income-Driven Repayment

If your debt is relatively higher than your current income, you may want to take advantage of the income-driven repayment plan. Your monthly payments will be established by the percentage of your current income. This means if you don’t earn a lot at the moment, your loan payments will be significantly lower.

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Although there are clear advantages to this type of repayment plan, there are a few significant drawbacks. You’ll be required to verify your income annually, and because the payments are lower, interest charges will be considerably higher.

Get Your Loans Forgiven

There is a federal program called Public Service Loan Forgiveness that forgives student debt remaining after 10 years of qualifying payments for those in nonprofit, government, or public service jobs. There are even more loan forgiveness programs and options for those working in the military, those in teaching positions, or those in medicine.

Most Importantly

Don’t ignore the debt! Ignoring your debt can lead to some serious consequences. Not making payments at all can lead to your loan defaulting. If that happens, the loan balance as a total will become due, wrecking your credit score. You may even have your wages and tax refunds garnished by the government. If you know you’re in danger of defaulting, talk honestly with your lenders. There may be a way to keep this from happening.

Don’t panic! So many people before you have had trouble making payments on their loans due to unemployment, health issues, or those general unexpected financial challenges. Remember, options for managing your loans exist. There are legal and legitimate ways to postpone your payments for a short period of time.

If you’re experiencing a temporary hardship, try deferment or forbearance. Some or all of the loan’s interest may still accumulate even if your payments are postponed. If it’s at all possible, make interest-only payments. Begin today with using these tips and wipe out your student debt!

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Holiday Guest and Article by My Friends of Ohio for Responsible Gambling.

Holiday Guest and Article by My Friends of Ohio for Responsible Gambling.

Well, the holiday season has begun now that Thanksgiving has come and gone for 2018. And for those like me who maintain recovery from gambling addiction, we know this time of year can either be a Joyous time or time where Relapse can sure sneak up on us with family stress, not enough money for the holidays, or arguments with spouses or family members …

ALL of these and others can be possible Triggers for us no matter if your in early recovery, longer-term recovery, or just sitting on the fence thinking YOU may have a gambling problem. There are those WHO can gamble normally, but now with 2.9% of our population now problem gamblers? They need to know to gamble responsibly and if you can’t? See Help. But if you can NOT?

This is WHY I chose for my sixth year to be on HOLIDAY WATCH and SUPPORT as of Thanksgiving Eve through Jan 2nd, 2019 

THEN? I begin my recovery service to my buddy ” Big Jim Downs Recovery Foundation for a whole year as he embarks on a Journey of Hope biking all around America for all Addictions Awareness and Recovery. Check out the link above and see how you can be a part of  “The Biggest Ever Addiction Awareness Event” taking place in 48 States! I am social media and sponsorship Ambassador and it is going to be Amazing to see GOD work MIRACLES through Big Jim!

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Now, back to the article of gambling which IS one of the Addictions Jim will be advocating recovery for … I hope by sharing this article helps those who have not been “touched” by this cunning disease and maybe on the fence to IF they have a problem… ~Catherine

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We are in the thick of the holiday season, which often means family, food, fun, and free time. That extra time usually means more time for our hobbies and entertainment and, for those who like to gamble, it can also mean additional opportunities for betting.

 

More time to gamble can, for some, result in spending too much time and money at the casino. Online gambling can be especially tempting because it offers games running 24/7, which can be accessed from the comfort of your own home and gives gamblers a chance to try games at virtually any time.

If you’re planning to gamble this holiday season, here are seven things to keep in mind.

 

Seven Things to Remember Before You Gamble

  1. Gambling should only be for fun. It is not, and never will be, a way to invest or earn money.
  2. Always limit how much you are willing to lose, as well as how much time you spend gambling.
  3. When you get ahead, quit. Don’t feel pressured to gamble with winnings to win more; be satisfied that you came out ahead.
  4. Realize that you should be able to afford to lose any money you bet.
  5. Never gamble just because you are bored or to decrease stress.
  6. Maintain other interests and hobbies other than just gambling.
  7. If you lose money one-time gambling, don’t gamble another time with just the intent to win the money back. Once it’s gone, it’s gone.

 

There is absolutely nothing wrong with some gambling during the holidays unless you are in recovery, for those with slight or no problem remember to do so responsibly. If you feel like your gambling (or that of a loved one) is out of control, please click here for resources in your area.

Not Sure if you may have a problem with gambling? Click Here: QUIZ

And TAKE THE QUIZ

Answer the following questions about your gambling activity in the last 12 months and gauge your risk level for problem gambling.

GAMBLING PROBLEM? 1-800-589-9966

 

Mega-Millions Frenzy … Really? A Message From My Friends of The National Council on Problem Gambling. Gamble Responsibly Please.

Mega-Millions Frenzy … Really? A Message From My Friends of The National Council on Problem Gambling. Gamble Responsibly Please.

There will be More Losers Than Winners … 

 

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Mega Millions lottery hits a record $1.6 bln after no winners in Friday’s draw

UPDATE – Personal Note:

Of course, I am NOT rubbing any noses in the fact that last nights Mega-Million drawing HAD no winners.  It just hammers home a wee bit that for those who happened to OVER BUY tickets, it seems today, just a waste of money that could have been better spent on something more fun or constructive.  See, I know there a boatload of people who CAN gamble just for the fun it.  AND?  Many don’t feel or agree that buying lottery tickets if real gambling. Sorry, but it is if you read the ‘definition’ of what the word “Gambling” means:

GAMBLE – The definition of a gamble is a risk.
An example of a gamble is the act of betting that a certain team will win a game.

Gamble is defined as to take a risk, or to play games especially with money for betting.

An example of gamble is to play the slots in Las Vegas.

When you place a bet for money or not as the outcome is uncertain and is a risk? That is gambling.  When buying lottery tickets for a CHANCE to win?  That is gambling.  Now that no one won, just think of those who are Problem Gamblers or even maybe addicted and think about where they will get the money for this next drawing?  Will it be there food money to feed their kids?  Maybe not a pay an important bill like electricity or their heat? Maybe forego a part of their rent or housing money just for a “CHANCE” … Know your ODDS before you risk all that!

No, I’m not a Buzz Kill …Lol.  I WAS an addicted gambler and know this disease and the thinking we trapped into.  It will talk you into doing ALL the above!  Because once gambling has you hooked?  The sickness takes over and we lose ALL the CONTROL.

Don’t waste loads of money for a tiny sliver of hope that you are going to win.  As most times you end at a loss. If you are going to take a Risk, then Gamble Responsibly …  

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Mega-Millions Jackpot Media Frenzy Offers Opportunity for Responsible Gambling Messaging.  FOR IMMEDIATE RELEASE – October 19, 201

 

WASHINGTON, DC – As the Mega Millions jackpot has reached record levels, the National Council on Problem Gambling urges consumers to protect themselves against excessive gambling and calls upon lotteries and the media to promote responsible gambling messages.

Keith Whyte, Executive Director of the National Council on Problem Gambling, states, “The media and consumer interest in high lottery jackpots creates an opportunity to provide responsible gambling messages designed to help people who choose to gamble make informed decisions about their play.”  Responsible gambling efforts should be made by lottery operators and players alike.

Here are four simple responsible gambling tips to know and share:

– Set a limit of time and money spent gambling.

– Don’t gamble to escape feelings of anxiety, stress or depression.

– Know where to get help for a gambling problem.

– Minors are prohibited from most forms of gambling.

“Lotteries play an important role in reminding retailers and players about the minimum age to play and in educating their players about simple steps to promote responsible gambling.”

State lotteries and media are asked to incorporate responsible gambling messaging and the National Problem Gambling Helpline (1-800-522-4700) into their upcoming promotion and coverage of the Mega Millions jackpot.


The National Problem Gambling Helpline (1-800-522-4700
or www.ncpgambling.org/chat) is the single national point of access to problem gambling help. Help is available 24 hours a day, seven days a week, in all 50 states. All calls are confidential and offer local information and referral options for problem gamblers and their families.

In 2017 the Helpline received 233,000 calls, an average of one call every two minutes.

 

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About the National Council on Problem Gambling

NCPG is the national advocate for problem gamblers and their families. NCPG is neutral on legalized gambling and works with all stakeholders to promote responsible gambling. If you or someone you know has a gambling problem, call or text the National Problem Gambling Helpline at 1-800-522-4700 or visit www.ncpgambling.org/chat for confidential help.