Finance

Gambling

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Types of Gamblers

The National Research Council has described the following continuum of gambling behavior:

Level 0 Gambling
This group has never gambled; they have never bought a lottery ticket or put a quarter in a slot machine.

Level 1 Gambling
These are social gamblers. The majority of adults fit into this category. Although there are a variety of gamblers that fit in this category -- some buy lottery tickets each week while others spend $300 in the casino every other month -- their gambling does not result in significant problems.

In a six-year study of Minnesota young adults, 60% of youth were classified as "resistors," or Level 1 Gamblers. However, all of these young people participated in some form of gambling during the six years. Young adults can participate in gambling activities but successfully avoid excessive or addictive behaviors. (Winters et al., 2005)

Level 2 Gambling
These are "at-risk" gamblers. These individuals gamble so much that they have experienced gambling-related problems. Because of the range of problems this group might experience, the description of Level 2 gambling can be controversial. These gamblers may be criticized for their gambling, feel guilty about their gambling, borrow money to gamble, or may have gambling debts.

Level 3 Gambling
These are pathological gamblers, they have experienced significant problems as a result of their gambling. This can also be called compulsive gambling or problem gambling. For this group, gambling problems interfere with daily life. These gamblers might lose their entire paycheck, put relationships at risk to gamble, or lose their job or home because of gambling.

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Rates of Gambling

College Student Gambling Involvement During the Prior 12 Months: Minnesota Institute of Public Health

 
Males N=598
Females N=583
Total N=1197
Any
92%
85%
88%
Machines a
71%
66%
68%
Lottery b
68%
60%
64%
Cards at a Casino
56%
26%
40%
Cards with Friends c
55%
27%
41%
Bet on Sports d
56%
18%
37%

Twelve percent of college students reported gambling during the past year at least weekly or daily, and proportionally more men (19%) than women (5%) did so at this level. Betting on games of skill (such as an athletic contest) was the category most often played weekly/daily by college men (7%); for college women, lottery playing (2%) was the activity with the highest percentage of weekly/daily involvement.

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Risk Factors for Problem Gambling

The college years may represent a heightened risk for developing gambling problems because this period is associated with a wide range of at-risk behaviors, including heavy use of alcohol (Windle, 1991), and the legal age for gambling is 18 in many states." (Winters, 2006)

Research has found that the typical problem gambler is male, a weekly or daily user of alcohol or illicit drugs, someone with a relatively high disposable income, and someone who had been raised by a parent with a gambling problem. Variables that have not been found to be associated with problem gambling include amount of credit card debt, GPA, and year in school. To learn more, visit the Minnesota Institute of Public Health Common Signs of Problem Gambling.

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Problem Gambling, Alcohol, and Drugs

Although early problem gambling is a risk factor for later problem gambling, being at risk for problem gambling does not reliably predict problem gambling (Winters et al., 2005). In other words, college students who gamble are not necessarily destined to be lifelong problem gamblers.

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Warning Signs of Problem Gambling

The following are criteria for problem gambling:

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Additional Resources on Gambling

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