tailieunhanh - Problem Gamblers and Their Finances: A Guide for Treatment Professionals

Throughout Europe, savings banks share common values, such as local ties, a positive attitude to all customers not excluding certain categories of clients, together with a socially responsi- ble behaviour. Savings banks therefore embody a “stakeholder” model, seeking to bring value and return to the whole community of stakeholders, which surround them (investors, suppli- ers, customers, employees and the local community in which they operate). In so doing, savings banks are driven by the conviction that alongside their commercial activi- ties, they also assume a social responsibility. Nonetheless, savings banks are for-profit financial institutions, which seek to reach the highest level of efficiency. | Problem Gamblers and Their Finances A Guide for Treatment Professionals National Endowment for Financial Education National Council on Problem Gambling Problem Gamblers and Their Finances A Guide for A Guide for Treatment Professionals This handbook is meant to provide general financial information it is not meant to substitute for or to supersede professional or legal advice. The people depicted in this publication are professional models and are included here for illustrative purposes only. They are not connected with the subject matter or situations covered in this publication. Note The content areas in this material are believed to be current as of this printing but over time legislative and regulatory changes as well as new developments may date this material. 2000 National Endowment for Financial Education. All rights reserved. Table of Contents Introduction. 1 Gambling Has Gone Mainstream . 5 Rise in Problem Gambling. 6 Social and Personal Costs. 6 What is Problem Gambling . 7 Causes of Problem Gambling. 8 Stages of Problem Gambling . 8 Winning Stage. 8 Losing Stage. 8 Desperation Stage. 9 The Gambler s View of Financial Signs of Problem Gambling .10 Warning Signs at Warning Signs at Work .12 Possible Immediate Financial Just Say No .15 How to Work Financially With the Problem Gambler . 16 Identifying Assets and Sources of Income .17 Sources of Financial The Gambler s Stash .18 The Monitoring that a Loved One Might Creating a Realistic Spending Tips on Cutting Expenses .26 Additional Budgeting Budgeting Monies for Gambling Treatment .26 Limiting the Gambler s Access to Establish Controls for Paying Household Bills .28 Legal Transfer of Assets .29 The Use of Trusts .31 Problems and Risks of Shifting Large Sums of Money .32 Retirement Mortgage Refinancing or Home Equity Loans .32 Traditional Pension Plan .33 Investment Accounts Nonretirement