“Know The Odds” Is Seeing What I Am Seeing Among College Students and Problem Gambling. It’s On The Rise…

“Know The Odds” Is Seeing What I Am Seeing Among College Students and Problem Gambling. It’s On The Rise…

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COLLEGE AND PROBLEM GAMBLING  POSTED ON 

The summer is coming to an end and students are moving on to their next level of education, which maybe college.  Going off to college is an amazing time of growth, learning, and self-exploration.  Learning about all the world may have to offer shows many youths how limitless life can be.  With this feeling of limitlessness, youth may be unaware of problems that may lay ahead, like problem gambling.

Change for Everyone

Heading to college may be a time of excitement.  For parents, it’s a time that they get to see their youth take the next step into adulthood. It may be a time where they get to see their youth spread their wings and explore all the world has to offer. It can be an amazing time of change for everyone.

Anytime there is a change in someone’s life, there is an opportunity for problems.  Youth who are leaving home for college will experience many changes.  They may be living in a new place with new people.  Their school may be in a new community and not even know where the local coffee shop is.  They may be leaving all of their friends and family behind.

Risks of Leaving Home

All of the changes that youth experience has risks because they may be leaving all of their protective factors behind.  A protective factor is a term to include all things that help people live healthier lives. These include positive role models like parents or youth leaders, belonging to positive groups like sports teams or faith-based communities, and living in a community that is safe.

When youth move off to college, they may be leaving most if not all of the things behind that helped, they live wonderful healthy lives.  They’ll need these protective factors as they face a list of new or increased risky obstacles.

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Youth and Gambling

There are a lot of reasons youth may choose to gamble.

Whatever their reasons, there are a number of risk factors that can put youth at increased risk of struggling with problems from gambling.  Youth are at an increased risk if they are male and have other mental health or addiction disorders.  Plus, if they are already risk-takers and keep the company of peers who gamble and struggle with other problem behaviors, they are more likely to have problems with gambling.

Youth who come from families who do not object to youth gambling and may not understand the risks of youth gambling are more at risk.  They are also more at risk if their family has a history of addiction and/or illegal activities.  Finally, a youth’s community’s attitude towards gambling plays a role.  If the community lacks awareness of youth gambling risks and offers opportunities for youth go gamble, youth will see gambling as a risk-free

 

Problems from Gambling

Youth who are at an increased risk, have not been exposed to gambling, or don’t understand how gambling works can easily fall victim to problem gambling.

Problem gambling is defined as any time gambling causes problems in someone’s life.  Some problems that youth may experience from gambling include:

 

  • Missing classes or entire school days
  • A sudden drop in grades
  • Less interest in extracurricular activities
  • Grater interest in money and value of possessions
  • Winning or being right
  • Money is lost or going missing

 

Obviously, none of these problems are good for the success of a student in college.  Therefore, it’s important to take some steps to help youth make healthy choices for themselves. Include problem gambling when you talk and council your college-bound kids about drinking alcohol or drugs. Have them prepared for possible peer pressure.

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What YOU Can Do

As a parent or loved with a college-bound kid going off to college, you can make a difference in their life. There are things you can do to continue to guide youth towards healthier decisions and avoid the problems associated with problem gambling.

Communication:  Keep a strong line of communication open with your youth.  Show them a continued interest in their life and share the great things that are going on at home.  Keeping the lines of communication open and healthy will help keep you aware of their life and allow you to offer guidance when needed.

Education:  Learning more about youth gambling and problem gambling can only raise your awareness to warning signs.  Your knowledge can help you guide your youth as you continue your relationship into their next phase of life.  A great place to start is our e-book The Dangers of Youth Gambling Addiction. This e-book takes this blog post and goes into greater depth of what to look for and what to do.

If needed, get support: There is support available across New York State.  If you believe your youth may be experiencing a gambling problem in New York State, reach out to your local Problem Gambling Resource Center.  Here, you’ll be greeted by a dedicated professional ready to offer you additional information and resources about problem gambling and/or connect you or your youth with a trained clinician.

You are not alone, and they are here to help.

We hope your family enjoys a fantastic transition from home to college. With this transition, remember that there is help for those in need of problems with gambling at NYProblemGamblingHELP.org.

Also from any State? Visit The National Council on Problem Gambling.

OR CALL: The 24 Hour Confidential National Helpline

 

 

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I Welcome Recovery and Wellness Writer, Patrick Bailey. Guest Article About ‘How to Spot a Gambling Addiction’…

I Welcome Recovery and Wellness Writer, Patrick Bailey. Guest Article About ‘How to Spot a Gambling Addiction’…

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Spotting Gambling Addiction and Determining Its Causes. By Patrick Bailey 

Gambling can be considered as a very dangerous kind of vice. To the person engaged in gambling, money is very easy to risk. He is living in an illusion that whatever he gambles now, he can easily get back. In the long run, this mindset can lead to a person’s financial downfall. The truth of the matter is, odds will never be in the gambler’s favor even if its blackjack or poker he’s playing. Gambling is thriving continuously because it’s the house that’s always taking the wins. 

What are the different kinds of gambling? 

Gambling is composed of many different kinds of activities, so this means that there are also many different kinds of addiction-related
 to gambling. The only challenge with gambling is that it’s not evident when a person gets addicted to it. And as opposed to traditional belief, gambling doesn’t end with casinos, cards, or slot machines. It also doesn’t end with gambling or alcohol rehab centersJoining a raffle, betting with friends, or buying lottery tickets are all considered different kinds of gambling.  


Addiction
 happens when the individual already believes that they’re in deep financial mess and that this problem can only be solved by risking that they possess in hopes of getting a bigger sum of money in exchange. Regrettably, this only sends the person into a vicious cycle of wanting to win back what they lost. This dangerous and damaging cycle continues to occur until the person is forced to enter rehab to break the habit.

Another kind of addiction to gambling happens when the individual joins the game and offers to make risky bets just to get that emotional high resulting from placing big and risky bets. These kinds of bets only pay off occasionally. In both circumstances, the individual bearing this kind of addiction should have that innate desire to stop risking and gambling for himself and not merely to appease friends or family members. 


So what
’s causing gambling addiction and when does it become a problem?

There are many contributory factors when it comes to addiction to gambling. One factor here is the desperate need for money. Another factor would be the need to feel high and thrill. Also, it could be because the individual wants the social status attached to the names of successful gamblers or he simply clamors for the entertaining and fun atmosphere of most gambling places.

The sad thing is that the moment the person gets addicted to gambling, the cycle can’t be broken easily. What’s even sadder is the fact that the severe kind of addiction can set at the moment the person feels financially desperate and commits to taking back the entirety of what he had lost in gambling.

And while he can gather 
massive amount of wealth from winning, more often than not, it won’t equal to the amount of money he already lost along the way.  More often than not, gamblers don’t even come close to break even.

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Dispelling Common Myths About Depression

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How do we know if a loved one is getting addicted to gambling?

The red flags and signs that an individual is having gambling problems are pretty similar to the signs of other kinds of addiction that require admittance to treatment facilities. These signs may be one of the following: 

  • The urge to keep his gambling habit  a secret 
  • Experiencing difficulties in managing his gambling habits 
  • Continuously gambling even if he can’t afford it 
  • One’s family and friends express their concern over his gambling habits 


And just like any kind of addiction, the trademark of gambling addiction is the feeling that you can’t stop even if you want to. If an individual feels like he 
needs to gamble one more time, if he is anxious over the thought of stopping, or if he is hiding this from his loved ones, there is a very high chance that that person is struggling with gambling addiction. 

Excessive Gambling and its Emotional Symptoms

Too much gambling usually leads to a plethora of emotional red signs and symptoms. Among these signs are suicidal tendencies, depression, and anxiety. In severe cases, these depressive and suicidal thoughts can actually make the gambler end his life. Losing all you have to gambling can be a very devastating situation and it can easily lead the person to feel totally hopeless. 

Excessive Gambling and its Physical Symptoms  

Since gambling can lead to self-harm, anxiety, and depression, physical manifestations should be seriously looked into. Anxiety and depression usually lead to being sleep deprives, resulting in dark eye circles, acne, weight loss, weight gain, or pale skin. 

Gambling Addiction and its Long-Term and Short-Term Effects  

Gambling can lead to numerous long-term and short-term effects. Addiction to gambling also leads to other kinds of addiction as coping mechanisms especially for people who get easily anxious and stressed out by the act of gambling. As a result, these gamblers can also turn to alcohol, drugs, and other activities to lessen the anxiety accompanying their lifestyle. In these cases, they might need to be admitted to rehab centers.

Apart from the financial, physical, emotional, and psychological damages brought by gambling addiction, it can also cause damage to relationships.
 

If you or a loved one is struggling with gambling addiction or any kind of addiction, don’t hesitate to seek professional help. Who knows, one phone call or a rehab visit can save your life, property, and financial future.

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About Patrick Bailey 
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Patrick Bailey

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Patrick Bailey is a professional writer mainly in the fields of mental health, addiction, and living in recovery. He attempts to stay on top of the latest news in the addiction and the mental health world and enjoy writing about these topics to break the stigma associated with them. He attended the University of Michigan – Stephen M. Ross School of Business and hold a Bachelor’s Degree and resides in the state of Michigan. He writes for several publications and on his Official Website – Patrick Bailey.

Connect With Patrick on Social Media!
On Facebook 
Twitter
LinkedIn

Summer Spotlights for Gambling Recovery! My Friends of The Arizona Office of Problem Gambling & National Council on Problem Gambling…

Summer Spotlights for Gambling Recovery! My Friends of The Arizona Office of Problem Gambling & National Council on Problem Gambling…


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Hello and Welcome Recovery Friends and Visitors,

Summer is in full swing and here in Arizona it is now moving way into the “Heat With Double Digits.” It can be a tough time for many of us who maintain recovery from gambling addiction and those who are still suffering and stuck in the cycle of addicted gambling. With the heat, we look for indoor things to do and for those with a gambling problem? That can mean more visits to the CASINOS.

So, during these summer months, I will shine a spotlight on the many recovery resources and places who offer help, education and raise awareness about problem gambling. If you spend more time indoors at casinos, your open to the slow progression into full-blown addicted gambling. But there is hope and help out there, you just need to know where to look. Even though I have many places for help on my resources page, I can never share too many places for help, information, and hope. And it’s why I came up with the idea to share them and ‘Shine a Light’ on those places who care and want to help those needing it this summer!

I will start for those seeking help in The State of Arizona!

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ABOUT THE ARIZONA OFFICE OF PROBLEM GAMBLING:

“Our Mission Is Simple: “Our Mission is to provide and support effective problem gambling prevention, treatment, and education programs throughout Arizona.”

The Division of Problem Gambling is committed to a public health approach to address problem gambling issues.  This takes into consideration biological, behavioral, economic, cultural, policy, and environmental factors influencing gambling and health. We will accomplish our mission and realize our vision by being culturally sensitive and responsive to the needs of our partners and those we serve.

We will be professional, collaborative, equitable, and innovative in our solutions to address problem gambling. To Support a sustainable continuum of services that reduces to a minimum level the impact of problem gambling in Arizona.

General Election 2002’s Ballot Proposition 202 (the “Indian Gaming Preservation and Self-Reliance Act”) stated: “Two percent [of the tribal contributions made to the Arizona Benefits Fund], shall be used by the Department of Gaming to fund state and local programs for the prevention and treatment of, and education concerning, problem gambling.” The Division of Problem Gambling has been established by the Department of Gaming to fulfill this responsibility.

Another Arizona state agency, the Arizona Lottery, has had a Please Play Responsibly Program since 1998 and a Problem Gambling Program since 2000.  The Lottery and the Department of Gaming are collaborating through an inter-agency agreement to consolidate management of all state problem gambling programs within the Division of Problem Gambling with the goal of ensuring continuity of services.

“We look forward to serving the people of Arizona by fulfilling our Mission.”

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The National Council on Problem Gambling by State.

Both The AZ Office and The National Council on Problem Gambling offer fantastic advice, prevention, and education for Parents about Youth and Gambling this page on their website: YOUTH & GAMBLING.

If they’re not drinking or using drugs, what’s the big deal?”

Gambling is not a safe alternative to alcohol or drug use for YOUTH. Many people think that poker among friends is totally safe if young people are not drinking or smoking. The truth is, while most people do not develop problems with gambling, more youth than ever are developing problems with gambling. Consequences of problem gambling include more than lost money.

 

Our youth are the first generation in our nation to experience the current acceptability and accessibility of gambling. Their mothers and grandmothers are taking trips to local casinos; families watch poker tournaments on TV as if they were a sporting event and schools regularly have casino nights as fundraisers or after proms and graduation. We owe it to our youth to teach them that gambling is not risk-free.

Large-scale prevalence studies and reviews all confirm the high prevalence rates of youth gambling. It is estimated that between 4% and 8% of adolescents presently exhibit a serious gambling problem with another 10% to 14% of adolescents at risk for developing or returning to a serious gambling problem (Shaffer & Hall, Meta Analysis, 1996, Journal of Gambling Studies, 12, 193-214)

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Gambling risk behavior is consistently associated with other risky behavior such as drug use, juvenile delinquency, and family problems:

Arizona Youth Gambling Profile Report – 2008

Arizona Criminal Justice Commission Youth Gambling Fact Sheet
Nebraska Risk and Protective Factor Study – 2003

  • Of the students who gamble, the most common age of initiation is 10 or younger
  • Males are more than twice as likely as females to have gambled in the past year
  • Males are three times more likely to respond to two or more “problem gambling” questions than females
  • Gambling involvement is positively correlated with substance abuse and all other risk factors for substance use

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Teen problem gamblers have higher rates of:

Crime (theft, robbery, embezzlement)

  • School problems (e.g., lower grades, truancy, behavior issues)
  • Family problems (e.g., withdrawal, behavior issues)
  • Peer relationship problems
  • Legal and money troubles
  • Depression; suicidal thoughts and attempts
  • Dissociative, “escape” behaviors
  • Risk for co-occurring addiction(s) including alcohol and substance abuse

Source: Gupta and Derevensky, eGambling Youth Gambling: A Clinical and Research Perspective


For Adults and Families? They can help both individuals and families with treatment options paid for the State of Arizona.

So Arizonians now have help and options to get treatment for Gambling Addiction or Problem Gambling. If you or a loved one needs help today?  Please call or email below or The NCP Gambling.

JAY HERYCYK – State of Arizona

Treatment Administrator
602-255-3888

 

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FIND HELP IN YOUR STATE NOW, including counseling, treatment, self-help, and support groups:

NATIONAL PROBLEM GAMBLING HELPLINE

Call: 1-800-522-4700
Text: 1-800-522-4700
Chat: ncpgambling.org/chat


AND

ARIZONA COUNCIL ON COMPULSIVE GAMBLING, INC.

9001 E. Palmer Drive
Chandler, AZ 85248
Tel: 480.802.4945
Fax: 480.802.4945
Email: azccg@azccg.org
Website: www.azccg.org
Helpline: 800.777.7207

OTHER STATE RESOURCES

• Arizona Office of Problem Gambling is responsible for general health and/or addiction services in this state, and may also have information on problem gambling.

• For the fact sheet on gambling and problem gambling in Arizona, click here.

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PROBLEM GAMBLING WARNING SIGNS:
Ask Yourself These Questions?

  • Have you ever felt the need to bet more and more money?
  • Have you ever lied to people important to you about how much you gambled?
  • Have you repeated unsuccessful efforts to control, cut back or stop gambling?
  • Do you gamble as a way of escaping emotional or physical pain?
  • Have you ever relied on others to provide money to relieve a desperate financial situation caused by gambling?
  • Have you ever jeopardized or lost a significant relationship, job or career opportunity because of gambling?
  • Have you gambled to get money with which to pay debts or to solve other financial problems?
  • Have you borrowed money to finance your gambling?
  • Has gambling ever made your home life unhappy?
  • Do you gamble to try to get your money back?

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The Four Phases of Escape Gambling

Problem gambling is thought to be a progressive disorder, traveling through four phases. Although this describes the four phases of what is commonly called the “Escape” gambler, anyone experiencing problems in life due to gambling will probably be able to identify with this progression.

Gamblers Anonymous 20 Questions

If someone answers “yes” to seven or more of these questions, Gamblers Anonymous suggests it is an indication of a serious problem.

DSM-5 Diagonostic Criteria: Gambling Disorder

A score of five or more is categorized as pathological gambling, but a score of three or four could indicate a serious concern for the problems gambling is creating in one’s life.


So don’t gamble with your life like I did! Please visit The Office of Arizona Problem Gambling Division or The National Council on Problem Gambling and get help now!  The State of Arizona! 

 

 

 

Gambling Recovery Ramblings. It Can Be Challenging In Early Recovery. Nun’s Accused of Embezzlement To Gamble?

I have been so busy of late trying to keep up with where “Big Jim” is and where he is biking to next, that it has been a long while since I shared myself and some interesting news I have found about or read about gambling recovery. A while I added back my recovery blog on two different new sites called Feedspot and Tumblr.

They share my posts on the sites automatic so I can help and reach more people, those struggling with or new to recovery. I blog as well so others know they are not alone recovering from this cunning addiction.

I find many times we all seem to face the same challenges in early recovery from this disease. Even though have been working my recovery for many years, doesn’t mean I don’t forget my own relapses and treatment program “Do Overs”…

I still remember the early days when triggers, urges, and cravings would win over my will and desire to stay in recovery and stop gambling. We never should forget where we were and where we came from in order to enjoy life and where we are today maintaining recovery. 

Here are some Anonymous comments from people who are trying to recover from addicted gambling. I am sharing so that others may know and be informed about how hard it is and the struggles and areas that are hard to come to grips with. It sure does feel like you are “Gripped By Gambling” in early recovery! Also an article about two Calif. Nun’s Steal Money to Gamble in Las Vegas! WOW!

That just shows that when you become a problem gambler, you then cross the line to a full-blown addiction, the disease will slowly progress to the point that when the money runs out? You then steal, lie, and cheat to get money to continue feeding the addiction …

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FEEDSPOT GAMBLING FORUM COMMENTS: How Challenging Staying Away From GAMBLING …
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“I feel the more we openly talk about the hatred for gambling the quicker we can retrain our brains fully into healing.  Gambling causes misery and darkness. There is nothing good that comes out of gambling. Gambling highjacks our brain.

When we win, we lose. We when lose, we lose. We hide, cry inside and kill our emotional feelings to the world. We can not be happy until we have lost it all.

We love the challenge of finding money to gamble with no matter how far behind in life that takes us.  We will not gamble today, we will not gamble anymore.”

ANOTHER:  “I just wanted to express myself that I’m happy you guys are here to give warming messages to make me understand what gambling can do to a person. It took so many years from me even though I’m only 26. I lost so many chances to take boy trips to other countries and build up my life. It feels kinda bad to be so low but at the same time awesome because it gave me life experience.

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ANOTHER:  
I relapsed!  Trigger Warning!

And got lucky. I won a fairly big amount of money for me, especially as a student. I started with a deposit of $100, lost that, then deposited more, and you get the picture. Then I finally won my deposits back and then some. Then lost it all!

I’ve been doing pretty good just staying away from gambling, but I’ve noticed I’ve definitely got an easily addicted mind, be it gambling, snus, alcohol, etc. If I stay away from gambling I’ll use a disk of snus a day, or go out to drink with friends.

Now I’ve once again locked out of online casinos but I always seem to come back somehow, by either circumventing the block or just finding a new casino.

I’ve edited my flair, I had a good run of 155 days clean but now I’m back at square ONE!  Here Is To new beginnings!
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ONE MORE: “I am sick, ashamed, and so disgusted in myself. I have no one to blame but myself. My boyfriend doesn’t gamble, but he does try to see make light of the issue (i.e I’m lucky that I don’t have to pay for rent, etc).

It all started a month ago as entertainment, but I’ve been going every weekend with my boyfriend ever since I had a big win in January. I promised that I wouldn’t become addicted, but that failed.

I got sucked way too into it and figured that I was in too deep anyway last night. To think I could have spent some of that money lost towards something more beneficial, like auto or student loans. I feel horrible.

I’m looking at my bank statement of all the withdrawals I made. I feel like shit. This is totally unacceptable!! I’m going try to put that addiction-feeling towards working on myself. SO wish me luck.

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Showgirls at the Welcome Sign - 8-15-07

Showgirls at the Welcome Sign

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((An internal investigation at St. James Catholic School in Torrance, Calif., found that two nuns who worked there misappropriated a substantial amount of money for personal use over a period of years.  ImageCredit Scott Varley/Digital First Media, via Torrance Daily Breeze, via Getty Images))

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Two longtime nuns at St. James Catholic School in Torrance allegedly embezzled as much as $500,000 in tuition, fees, and donations, perhaps spending some of the money on trips and gambling at casinos while telling parents the school was operating on a shoestring budget, officials and parents said.

The figure represents only what auditors have been able to trace in six years’ of bank records and might not include other cash transactions, officials from the Archdiocese of Los Angeles told parents and alumni at a meeting Monday night at St. James Catholic Church in Redondo Beach. An audio recording of the two-hour meeting was obtained by the Southern California News Group.

The apparent scandal came to light last week when the church’s small, K-8 school announcedthat it had notified police that Sister Mary Margaret Kreuper, and Sister Lana Chang, who both had retired earlier this year, were “involved in the personal use of a substantial amount of school funds.” But the nuns had expressed remorse, and the archdiocese and the church were not pursuing criminal charges.

Kreuper was the school’s principal, and Chang taught there.

The revelation comes four years after a car struck and killed four people as they left a Christmas concert at the church, including a 6-year-old boy.

Michael Meyers, the church’s monsignor, told the crowd of a few hundred people that the archdiocese launched an internal investigation six months ago after the organization performed a standard audit of procedures ahead of Kreuper’s retirement after 28 years at the school.

Around the same time, Meyers said, a family happened to request a copy of a check made out to the school, and the staff noticed it had been deposited in a bank account other than the schools.

That’s when Kreuper became “very nervous and very anxious” about the upcoming financial review and requested that the staff alter records, the monsignor said. Meyers said he alerted an archdiocese internal auditor performing the review that “something was off” and that the auditor confirmed his suspicions.

The archdiocese then hired an independent forensic auditor for a deeper review.

Without the red flags raised by the check, Kreuper’s “strange” behavior and a tip made to an archdiocese ethics hotline, officials said the school would never have known about the problem.

The improper use of the funds had been going on for at least 10 years, Meyers said. The parish and the school have always run in the black, so it appears no one had suspicions.

“The systems that were set up were dividing people, so nobody knew what was happening,” Meyers said.

A retired FBI agent hired by the archdiocese interviewed school staffers and the nuns.

“When he was talking to Sister Mary Margaret, she did acknowledge that she had been taking all the money, so that’s not a question,” Meyers said.

He said no other staff members are suspected of wrongdoing, but a bookkeeper who was unaware of the long-running scheme has voluntarily taken a leave of absence to preserve the integrity of the investigation.

Funds raised by the school’s nonprofit education foundation were not affected, officials said.

Auditors told parents the “long forgotten” church bank account was opened in 1997 and that bank records before 2012 no longer exist. Only Kreuper and Chang knew about the account, they said.

They described a system in which Kreuper handled all checks made out to the school for tuition and fees before handing them over to bookkeeping staff for processing. The principal allegedly withheld some of the checks and deposited them into the other account, endorsing the back with a stamp that read, “St. James Convent” instead of “St. James School.”

The sisters used a majority of the money for “personal gain,” officials said, though some of it was “recycled” back to the school.

Meyers said the money would have ended up in the school’s reserve funds.

The sisters expressed deep remorse, officials said.

The archdiocese is cooperating with Torrance police, but is unwilling to be a “complaining party,” archdiocese lawyer Marge Graf told parents. She said the decision was made because the nuns’ order, the Sisters of St. Joseph of Carondelet, has agreed to pay the school full restitution and impose “severe sanctions” on Kreuper and Chang.

When a parent asked what the money was spent on, the attorney said: “We do know that they had a pattern of going on trips, we do know they had a pattern of going to casinos, and the reality is, they used the account as their personal account.”

The nuns, described by many as best friends, have been removed from ministry, according to a letter from the order read aloud during the meeting. Meyers said they have been moved to separate convents. Church officials did not say whether the order’s restitution agreement hinged on the archdiocese not pursuing criminal charges.

Meyers and other officials pledged to make changes to prevent abuse in the future, noting that new principal Noreen Maricich has implemented an online payment system for tuition that draws funds directly from parents’ bank accounts.

Reactions in the stunned crowd ranged from disappointment and anger to calls for forgiveness.

Many parents were outraged with the decision not to press charges, with some remarking that if the nuns were lay people, they would certainly be in jail. Others called for the restitution to be used to give teachers pay raises and for expenses they said Kreuper claimed the school could not afford, such as awnings for an outdoor eating area.

Jack Alexander of Redondo Beach said in an interview with the Southern California News Group that he and other parents are considering banding together to act as a complaining party to Torrance police themselves. But without cooperation from the archdiocese, he is doubtful the effort would lead to prosecution.

“We were an ATM, and people know it and they won’t ask for justice,” Alexander said.

The approach sends the wrong message to students, he said, that money is more important than morals.

“They are trying to recapture money, not get justice,” Alexander said.

Paul Eakins, a spokesman for the Los Angeles County District Attorney’s Office, said prosecutors have not been presented with a case yet from Torrance police. Sgt. Ronald Harris said police will confer at some point with the District Attorney’s Office.

“Our office doesn’t decline to charge simply because the victim’s future cooperation is problematical,” Eakins said. “However, if a victim is not presently cooperating, we may consider that as a factor in determining whether a case can be successfully prosecuted.”

Many in attendance questioned how the school could claim in a parent letter that the embezzlement did not affect the students’ education, and they criticized officials for hesitating at first to reveal the full, six-figure estimate. Some have called on Meyers to resign.

Denise Sur, a longtime St. James parishioner who put four children through the school and spoke at the meeting, said in an interview that she was disappointed that details were not provided immediately.

“The archdiocese and our parish leadership have to be held accountable for the poor process as well as what occurred,” she said.

Tony Liakos, a parent who also spoke at the meeting, said in an interview that the news is another blow to a church community still reeling from that tragic crash in December 2014. It’s a good school, he said, and he doesn’t want its attributes to be overshadowed by these two incidents.

“The biggest thing is I’d prefer to see this not hurt the school more than it already has,” he said in an interview.

Samantha Pierce, a Torrance resident who has attended St. James for more than 30 years and whose son graduated from the school, said the controversy underscores a failure of church leadership. Only a police investigation can be trusted, she said.

“They convicted the sisters before they actually have the facts on hand, that is the thing that disturbed me the most,” Pierce said.

She expressed skepticism that the nuns acted maliciously, even given their apparent admissions of guilt.

Kreuper was known to forgive tuition debt and offer assistance to families experiencing financial hardships, Pierce said, and she took trips to Las Vegas because she visited a friend from a Catholic school where she used to teach.

A spokeswoman for the Diocese of Las Vegas could not be reached on Wednesday. Kreuper has a past address and P.O. Box in Las Vegas, public records show.

If the nuns indeed misused funds wrongfully, Pierce said she would forgive them.

Other parents said it was well-known that Kreuper and Chang traveled often and went gambling, but that they claimed they have gifted the trips by a rich relative.

“These nuns took a vow of poverty and said, ‘Oh no, we’ve got a rich uncle,’ ” Alexander said. “The rich uncle was the parents of the St. James students. These 2 Nuns Suspected in $500,000 Theft From Catholic School Had a Taste for Gambling, Church Says.”

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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My Guest is Gambling Prevention & Advocacy Blog and My Friends ‘Know the Odds’ With a New Year Message …

My Guest is Gambling Prevention & Advocacy Blog and My Friends ‘Know the Odds’ With a New Year Message …

Hello and Welcome Recovery Friends and Visitors,


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STELIANOS CANALLATOS ~ Prevention Specialist


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Meet my dear friend Stelianos who runs the very helpful resources blog called “KNOW The ODDS” and we have been connected and meet some years ago on Twitter and I have been a huge supporter ever since! He is as passionate as I am to bring Problem Gambling and Addicted Gambling out of the shadows and start the conversation about this disease that is now touching 2.6% of our population currently.

I wanted to share an informative post that speaks to those who are being touched gambling and the negative impact it also having now on our teens and college-age young adults too. So it’s time to UNSILENCE a Silent Addiction in 2019 and Talk About It!

Never be ashamed or embarrassed to reach out for help from this disease. There is help and hope, you are not alone, and treatment options are beginning to increase and many are confidential …

So let’s read more about this in this guest article share by “Know The Odds” …  ~Advocate/Author, Catherine Lyon

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A NEW YEARS RESOLUTION: HELP FOR PROBLEM GAMBLING 

A New Year’s resolution to get help for problem gambling is a great way to start the year and a new chapter in your life.

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Problems from Gambling 

Problems from gambling can feel overwhelming.  These problems extend far beyond the weekly struggle with income.  Some problems from gambling can include:

  • Financial debt;
  • Struggles in a marriage;
  • Difficulty managing positive relationships with children;
  • Anxiety about seeing loved ones.

It’s important to know that you are not alone. You are not the only one holding onto gambling debt, not the only one struggling with feelings like frustration and sadness due to gambling, and not the only one who may need additional help.  Plus, the good news is that help is quickly becoming more available.

Why A Resolution To Seek Help? 

Getting help for your problem gambling can only make your life better.  Below are some great reasons to follow your New Years resolution to get help for problem gambling.

Relationships: Many people who struggle with gambling find that they also have problems in many of their relationships. They may have struggles in their marriage. They may find difficulty in their relationships with their children or feel anxiety when seeing loved ones.  There are ways to learn how to manage your emotions and learn the steps necessary to rebuild all these important relationships.

Finances: Getting help with finances might be another reason why help is so important. Many people struggling with problem gambling find themselves in a large amount of debt. That debt can feel overwhelming, and just the thought of it could feed that feeling.  There are many professionals that are ready to help you take the steps necessary to get your financial health back on a positive path.

Employment: Many people struggling with problem gambling have problems with their employment. Whether they’ve lost employment due to problems with gambling or just found that they are struggling with their performance at their job, there is help available. By seeking support in your recovery from problem gambling, you can learn how to improve your job experience while also learning to manage your life in recovery from problem gambling.

The path to a life free of problems from gambling may be difficult, but there is help to make that path easier.  Help can include treatment from a trained clinician, support from peers through a fellowship organization like Gamblers Anonymous, or inpatient treatment for those that need to take a break to get their life back on track.

Steps to Getting Help for Problem Gambling


Step 1:
 Realizing that gambling may be causing problems in your life.  There is a list of warning signs of problem gambling, which can help you identify if your gambling behaviors are causing problems in your life.  If it seems like gambling is causing problems, it may be time to reach out for help.


Step 2:
 Reaching out for help is getting easier than ever.  With Problem Gambling Resource Centers opening across the state, you’ll have the opportunity to connect with the best professional assistance for those struggling with problem gambling available.  To reach your local PGRC, visit …

We wish you the best of luck on your resolution of recovery from problem gambling.  Hopefully, the New Year will be a new chapter in your life full of hope and happiness.  Happy New Year!

 

In a New Year … No More Suffering In Silence. Stats of Problem Gambling, Suicide, and Mental Health.

In a New Year … No More Suffering In Silence. Stats of Problem Gambling, Suicide, and Mental Health.

Welcome Recovery Friends …

Our Guest Article Today is courtesy of the fine folks of Southern Region Problem Gambling Conference and The National Council on Problem Gambling … They both put on conferences about Problem Gambling that are informative for many State Councils like Georgia, North Carolina, and all over the US to spread information and awareness about the negative impacts problem gambling has in all our States and Communities …

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Suffering in Silence: Suicide and Problem Gambling

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“With high profile deaths such as Kate Spade and Anthony Bourdain, the issue of suicide and the stigma surrounding mental health have remained the center of many conversations throughout the United States and abroad. A recent report published by the Centers for Disease Control and Prevention reveals that from 1999-2016, suicide rates have steadily increased throughout the United States.

In the states like Florida, suicide rates have risen approximately six to eighteen percent (6-18%).

How does this affect the field of problem gambling?”

 


Prevalence of Suicide Among Problem Gamblers

Problem gambling, known as the “Hidden Addiction,” gets its nickname due to the fact that many symptoms do not present themselves physically as is the case in substance addictions. This means that many individuals suffering from Gambling Disorder often do so alone, potentially increasing feelings of isolation and depleting self-worth.

According to the FCCG’s Annual HelpLine report, twenty-six percent (26%) of 888-ADMIT-IT callers reported having suicidal ideation. Additionally, sixty-six percent (66%) of callers reported having depression, and seventy-two percent (72%) revealed they are struggling with anxiety. It is important to continue to recognize this population of problem gamblers and increase efforts of prevention and treatment.

Although we are unable to pinpoint the exact reason for such a strong connection between suicidal ideation and Gambling Disorder, it is possible that finances play a role. Research indicates that historically, suicide rates have been higher during economic downturns.

What Can We Do?

Unfortunately, the vast majority of suicide victims are not diagnosed with some form of mental illness or disorder until after their death. It is believed that approximately ninety percent (90%) of individuals who take their own lives were living with an undiagnosed mental illness, illustrating the need to destigmatize mental health in the United States. Continuing to have conversations with friends and family regarding mental health is the first step to ensure fewer people suffer in silence but don’t stop there.

( To interject here, this happened to me after my first failed suicide attempt in 2002. While in the addiction and mental health crisis center, and once I became stable, both my primary doctor and the centers’ psychiatrist and after a full evaluation, I was suffering from severe depression, high mania, and anxiety, and PTSD and went undiagnosed until my gambling addiction brought the symptoms to the surface through my addiction. I was using gambling to escape the trauma and sexual abuse I went through as a little girl and had tried to stuff it away for years.)

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Dispelling Common Myths About Depression (2)

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“Currently and just had a rise from 1% and now 2.6% of our population are problem gamblers.”

Gambling can be found everywhere from physical casinos to a multitude of online websites and apps. It is easier than ever to gamble in the privacy of home or on the go with a smartphone. It’s easy to place bets with PayPal, credit cards, bitcoin, or money-transfer apps. All of this ease has led to an increase in gambling addiction across the world.

Problem gambling can become a compulsive behavior and gambling can be emotionally addictive. Addictions to behaviors (as opposed to addictive substances) are known as “process addictions,” and, just like substance addictions, they require supportive treatment. Specialty rehab programs and support groups are available for people who struggle with gambling addiction. If you or someone you love struggles with gambling behavior, you are not alone. One look at the statistics behind gambling addiction reveals that this problem is prevalent…

The North American Foundation for Gambling Addiction Help and The National Council on Problem Gambling reports that approximately 2.6% of the U.S. population has some type of gambling issue. That adds up to nearly 10 million people in the United States who struggle with a gambling habit. This issue adds up to approximately 6 billion dollars each year, which impacts the U.S. economy and citizens.

Gambling costs American taxpayers. Public funding for problem gambling went up to $73 million in 2016, but despite those costs, gambling remains regulated by each state and is not federally regulated. Ten states (and the District of Columbia) do not offer any publicly funded gambling assistance. These funding discrepancies mean that public treatment services can vary widely from state-to-state, and the level of care in publicly funded programs also varies greatly.

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The U.S. federal government has largely left gambling regulations up to each state, which means that gambling may be illegal where you live, or it may be advertised on every street corner, as it is in places like Las Vegas, Nevada. The result is a patchwork of awareness campaigns and treatment programs that vary widely in their responsiveness.

States that discourage or prohibit gambling tend to not offer awareness campaigns, and as a result, people who gamble through their phones or computers may be missing information about the dangers of gambling. Awareness of the problem is key to making changes for the better.

Gambling doesn’t only devastate individuals; it is a family issue. Because this particular problem directly impacts family and personal finances, family members who have gambling problems often hide their issue and feel a great deal of shame and secrecy. In severe cases, the problem may go undetected until finances become a major issue. Gambling can destroy relationships, but it is possible to rebuild trust and rebuild finances. No gambling problem has to be permanent.

Integrated treatment for co-occurring disorders offers specialized treatment for problem gamblers. A co-occurring disorder happens when someone suffers from more than one problem, such as gambling and anxiety, or gambling and depression … Help is available.

Please Visit or Call Today …

NATIONAL PROBLEM GAMBLING HELPLINE

1-800-522-4700

The National Council on Problem Gambling operates the National Problem Gambling Helpline Network (1-800-522-4700). The network is a single national access point to local resources for those seeking help for a gambling problem. The network consists of 28 call centers which provide resources and referrals for all 50 states, Canada and the US Virgin Islands.  Help is available 24/7 and is 100% confidential.

The National Problem Gambling Helpline Network also includes text and chat services. These features enable those who are gambling online or on their mobile phone to access help the same way they play. One call, text or chat will get you to problem gambling help anywhere in the U.S. 24/7/365.

Help is also available via an online peer support forum at www.gamtalk.org.


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