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WHAT FINANCIAL INSTITUTIONS NEED TO KNOW ABOUT PROBLEM GAMBLING

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Title: Primary Prevention of Sexual Violence Author: ashley Last modified by: Mary Ann Dearborn Created Date: 2/22/2010 9:52:11 PM Document presentation format – PowerPoint PPT presentation

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Title: WHAT FINANCIAL INSTITUTIONS NEED TO KNOW ABOUT PROBLEM GAMBLING


1
WHAT FINANCIAL INSTITUTIONS NEED
TO KNOW ABOUT PROBLEM GAMBLING
  • Mary Ann Dearborn, LCSW
  • Problem Gambling Prevention Coordinator for
    Tillamook County 3/9/2010

2
POLL
  • Who is in the TLC webinar audience?
  • Astoria Branch
  • Seaside Branch
  • Tillamook Branch
  • Lincoln City Branch
  • Newport Branch
  • Total attendees participating in pre-/post-survey
    N30

3
POLL
  • Why are we here?
  • Hint If you read the articles e-mailed to you,
    you may have an idea of how problem gambling can
    negatively impact your customers and/or your
    financial institution.

4
Objective
  • Gain a basic understanding of problem gambling
    and how financial institutions can help reduce
    risks for customers and the organization.

5
Talking Points / Survey
  • .

6
Problem Gambling Awareness Survey
  • Youve already done the pre-survey.
  • Please mark the correct post-survey answer on
    your survey form as I review each of the 25
    statements.
  • Then, forward the completed survey form to your
    institutions Tillamook Office (Attention Trina
    Lessor).
  • Thank you for participating in this survey!

7
True or False?
  • 1. Gambling is betting anything of value (money,
    property, food, etc.) on the outcome of an event.
  • Answer True
  • 2. Buying a raffle ticket or paying to play a
    game to win a prize at the county fair is not
    gambling.
  • Answer False
  • 3. People who bet on sports, cards, dice, or
    other games at home or in the community are
    gambling.
  • Answer False

8
True or False?
  • 4. Problem gambling can result in less time spent
    in usual family, friend, home, school, work or
    community activities.
  • Answer True
  • 5. Identifying a problem gambler is as easy as
    identifying a problem drinker.
  • Answer False

9
True or False?
  • 6. Increased borrowing/credit activity and having
    less/no money to pay food, etc., can occur when a
    person continues to bet money despite losses.
  • Answer True
  • 7. Online gambling can result in serious
    problems, whether or not money is required to
    play.
  • Answer True
  • 8. Problem gamblers rarely commit illegal acts in
    order to keep on gambling.
  • Answer False

10
True or False?
  • 9. Gambling online is safe because you know
    youll get paid and you dont have to worry about
    credit card fraud, identity theft, or other
    undisclosed financial crimes.
  • Answer False
  • 10. One in every twenty-five Oregon teens already
    has problems with gambling.
  • Answer True

11
True or False?
  • 11. Only people with a personal or family history
    of addiction are at risk for problem gambling.
  • Answer False
  • 12. To avoid becoming a problem gambler a person
    should know the odds of winning and follow basic
    rules of responsible gambling.
  • Answer True

12
True or False?
  • 13. Teens and adults who gamble are no more
    likely to engage in other illegal/risky behaviors
    than teens and adults who do not gamble.
  • Answer False
  • 14. People raised by parents who gamble are no
    more likely to engage in other illegal/risky
    behaviors than teens and adults who dont gamble.
  • Answer False

13
True or False?
  • 15. A big win while gambling as a child or teen
    is a risk factor for adult problem gambling.
  • Answer True
  • 16. Brain development and function are associated
    with problem gambling.
  • Answer True
  • 17. Males and females are equally likely to
    become problem gamblers.
  • Answer True

14
True or False?
  • 18. Lying about gambling or the amount of
    time/money spent gambling is a sign of problem
    gambling.
  • Answer True
  • 19. Oregon teens are less likely to have problems
    with gambling than Oregon adults (age 18 and
    older).
  • Answer False

15
True or False?
  • 20. Older adults (people 65 years old or older)
    in Oregon rarely have problems with gambling.
  • Answer False
  • 21. Oregon teens who gamble are more likely to
    use alcohol or marijuana and have sexual
    intercourse than teens who do not gamble.
  • Answer True

16
True or False?
  • 22. The average amount of gambling debt incurred
    by the time an adult first receives problem
    gambling services is 10,000.
  • Answer False
  • 23. I know where I can get free, confidential
    information about problem gambling and problem
    gambling services.
  • Answer based on personal knowledge

17
Problem Gambling Survey, continued
  • 24. I know the name of the agency in Tillamook
    that provides free, confidential problem gambling
    services for the gambler and her or his family
    members.
  • Answer Tillamook Family Counseling Center
  • 503.842.8201 www.tfcc.org
  • Jeff Taylor, LCSW, PG
    Counselor

18
Problem Gambling Survey, continued
  • 25. I know the Oregon Problem Gambling Services
    website and help line that provides 24/7 info
    about problem gambling and free, confidential
    live chat, instant messaging and e-mail with
    professional certified problem gambling
    counselors.
  • Answer
  • 1-877-MYLIMIT
  • www.1877mylimit.org

19
Great online resources!
  • .

20
www.1877mylimit.org
21
WHAT CAN WE SEE? What can we do?
  • .

22
Adult Problem Gambler in Oregon
  • ? Problem gamblers in Oregon 76,000 (estimate)
  • ? On entering problem gambling services
  • Average age 45 years old
  • Average income over 32,000 per year
  • Average gambling debt more than 33,000
  • ? Equally likely to be male or female

23
Signs that a customer may have gambling problems
  • ? A marked difference between your customers
    reported expenditures and debt load.
  • ? Your customers bills are going unpaid even
    though, according to their income, they should be
    affordable.

24
Signs that a customer may have gambling problems,
continued
  • ? Your customers financial picture shows many
    credit card and/or ATM withdrawals multiple
    withdrawals at bars, restaurants, and casinos are
    signs of concern.
  • ? Your customer is showing an increase in
    requests for personal loans or debt
    consolidation.
  • ? You ask your customer about gambling, but he or
    she is vague about the amount of time and money
    spent gambling.

25
If you know a customer is gambling, ask
  • 1. Do you spend more money on gambling than you
    mean to?
  • 2. Do you spend more time gambling than you mean
    to?
  • 3. Do people in your family or your friends
    express concern about your gambling?
  • 4. Do you have concerns about your gambling?

26
IF THE ANSWER TO EVEN 1 OF THOSE 4 QUESTIONS IS
YES
  • Encourage your customer to learn more about the
    risks of gambling and how gambling can impact her
    or his financial picture.
  • Suggest that he or she speak to a professional
    (i.e., call the Oregon Problem Gambling Helpline
    or log on to the website.

27
Vulnerable Adult Financial Abuse
  • If your customer is elderly or because of
    disabilities is dependent on others for help with
    his or her finances, and if the customers
    finances are being compromised by a relative or
    other person with account access, it is
    considered vulnerable adult abuse and should be
    reported. The number for Oregon Adult Protective
    Services is in your telephone directory.

28
An employees problem gambling. . .
  • Usually, lost time and lost productivity
  • In extreme cases, theft, fraud, or embezzlement
  • Gambling may be going on during work hours,
    with the gambler using the workplace as a shield
    to hide problem gambling from family members.
    This puts managers and coworkers in the position
    of being a first line of defense to identify
    the problem gambler before he/she become
    desperate.

29
10 Workplace Signs of Problem Gambling
  • 1. Work performance deteriorates the person is
    preoccupied, has trouble concentrating, is absent
    from or late for meetings and misses assignment
    deadlines
  • 2. Frequent, unexplained absences or
    disappearances from work
  • 3. Eager to organize and participate in betting
    opportunities

30
10 Workplace Signs of Problem Gambling, continued
  • 4. Pay is requested in lieu of vacation large
    blocks of vacation time arent used
  • 5. Frequently borrows money, argues with
    coworkers about money that is owed
  • 6. Complains about mounting debts
  • 7. Excessive use of the telephone and Internet
    for personal matters

31
10 Workplace Signs of Problem Gambling, continued
  • 8. Experiences mood swings, often related to
    winning and losing streaks
  • 9. Credit card or loan bills are mailed to work
    rather than home
  • 10. Increasingly spends more time gambling during
    lunch hours and coffee breaks
  • Of course, these may signs of problems other than
    a gambling problem. Dont accuse or label the
    person. There are better things you can do. . .

32
What your organization can do
  • ? Awareness training Supervisors and employees
    need to be able to recognize the signs of
    gambling problems and know how to respond.
  • ? Policy statements Incorporate the topic of
    gambling into relevant policies such as Internet
    use, phone use, and disallowed activities during
    work hours.

33
What your organization can do, continued
  • ? Use your Employee Assistance Program Check
    with your EAP to be sure it routinely screens for
    problem gambling and is aware of Oregons free
    treatment.
  • ? Make information available about the Problem
    Gambling Helpline 877-MYLIMIT or
    1877mylimit.org. Brochures and posters are
    available free by calling 503-945-9703. Help is
    available 24 hours a day, seven days a week and
    is open to family members whether or not the
    gambler is involved.

34
What your organization can do, continued
  • ? Make financial counseling available It is
    important that financial counseling be made
    available to employees who are in a fiscal
    crisis.
  • ? Monitor the money stream Some occupations
    involve direct contact with money in other
    occupations money can be moved. These
    occupations might be considered high-risk for the
    problem gambler a monitoring system can protect
    employee and employer.

35
Did you know. . .?
  • Unlike treatment for other addictions, problem
    gambling counseling involves direct intervention
    on the customers financial situation. It is
    common to remove fund access for these customers
    and place it in the hands of a spouse or other
    responsible person.
  • The gambler and his/her spouse or other
    responsible person work with the problem gambling
    counselor to develop a plan that does not enable
    the gambler and is also not abusive. the gambler
    needs to develop a relationship with real money
    again, because while they sic are compulsively
    gambling, money loses its real meaning.?

36
Developing a relationship with real
  • Through services offered by a problem gambling
    counselor, the problem gambler can develop a
    relationship with real money again, because
    part of the problem with problem gambling is that
    when compulsively gambling, money loses its real
    meaning.

37
What do we want to see?
38
The practice of responsible gambling
  • TEN RULES OF RESPONSIBLE GAMBLING
  • 1. If you choose to gamble, do so for
    entertainment purposes
  • - If your gambling is no longer an enjoyable
    activity then ask yourself why you are still
    playing?
  • 2. Treat the money you lose as the cost of your
    entertainment
  • - Treat any winnings as a bonus.

39
10 RULES OF RESPONSIBLE GAMBLING, continued.
  • 3. Set a dollar limit and stick to it
  • - Decide before you go not only what you can
    afford to lose, but how much you want to spend.
    Do not change your mind after losing.
  • 4. Set a time limit and stick to it
  • - Decide how much of your time you want to
    allow for gambling. Leave when you reach the time
    limit whether you are winning or losing.

40
10 RULES OF RESPONSIBLE GAMBLING, continued.
  • 5. Expect to lose
  • - The odds are that you will lose. Accept loss
    as part of the game.
  • 6. Make it a private rule not to gamble on credit
  • - Do not borrow money to gamble.
  • 7. Create balance in your life
  • - Gambling should not interfere with or
    substitute for friends, family, work or other
    worthwhile activities.

41
10 RULES OF RESPONSIBLE GAMBLING, continued.
  • 8. Avoid chasing lost money
  • - The more you try to recoup your losses the
    larger your losses will be.
  • 9. Dont gamble as a way to cope with emotional
    or physical pain
  • - Gambling for reasons other than
    entertainment can lead to problems.

42
10 RULES OF RESPONSIBLE GAMBLING, continued.
  • 10. Become educated about the warning signs of
    problem gambling
  • - The more you know, the better choices you
    can make.
  • Are you or someone you care about unable to
    follow these rules? Help is available at the
    Oregon Problem Gambling Helpline/Website for the
    gambler and for his/her family members (with or
    without the gamblers involvement).
  • 1-877-mylimit or 1877mylimit.org

43
Free supportive services for recovering problem
gamblers are available near you
  • Gamblers Anonymous
  • Regular Meetings at
  • Tillamook Serenity Club
  • 5012 Third Street, Tillamook
  • 503-842-5054
  • 503-842-5813

44
March is Problem Gambling Awareness Month
  • Learn about problem gambling.
  • Share what you learn with others.
  • Visit this national problem gambling awareness
    website
  • www.NPGAW.org

45
THANK YOU!
  • .

46
Presenter Information Handouts
  • Problem Gambling Prevention Brochure
  • Narrative (article) What Financial Institutions
    Need to Know About Problem Gambling
  • 10 Rules of Responsible Gambling
  • Problem Gambling Myths/Facts
  • Mary Ann Dearborn, LCSW
  • Problem Gambling Prevention Coordinator for
    Tillamook County
  • MaryAnnDearborn_at_gmail.com
  • 503-368-5758
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