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Modern slot machines develop an unbreakable hold on many players—some of whom wind up losing their jobs, their families, and even, as in the case of Scott Stevens, their lives. O n the morning of Monday, August 13,Scott Stevens loaded a brown hunting bag into his Jeep Grand Cherokee, then went to the master bedroom, where he hugged Stacy, his wife of 23 years. Stacy thought that her husband was off to a job interview followed by an appointment with his therapist. He used the casino ATM to check his bank-account balance: He walked across the casino floor to his favorite slot machine in the high-limit area: Maybe this time it would pay out enough to save him.

Around noon, he gave up. Stevens, 52, left the casino and wrote a five-page letter to Stacy. A former chief operating officer at Louis Berkman Investment, he gave her careful financial instructions that would enable her to avoid responsibility for his losses and keep her credit intact: He asked that she have him cremated.

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He placed the letter and the check in an envelope, drove to the Steubenville post office, and mailed it. He had raised funds for these green fields, tended them with his lawn mower, and watched his daughters play on them. Stevens parked his Jeep in the gravel lot and called Ricky Gurbst, a Cleveland attorney whose firm, Squire Patton Boggs, represented Berkman, where Stevens had worked for 14 years—until six and a half months earlier, when the firm discovered that he had been stealing company funds to feed his gambling habit and fired him.

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Stevens had a request: Failing his daughters had been the final blow. He next called J. Up until that point, he had put on a brave face for Bender, saying he would accept responsibility and serve his time.

Now he told Bender what he was about to do. Alarmed, Bender tried to talk him out of it. He unpacked his Browning semiautomatic gauge shotgun, loaded it, and sat on one of the railroad ties that rimmed the Reel Power Casino Journals Justin lot. He was meticulous about finances, both professionally and personally. When he first met Stacy, inhe insisted that she pay off her credit-card debt immediately.

Stevens Casino Gaming Tokens Value on his girls and threw himself into causes that benefited them.

He spent time on weekends painting the high-school cafeteria and stripping the hallway floors. Stevens got his first taste of casino gambling while attending a trade show in Las Vegas. On a subsequent trip, he hit a jackpot on a slot machine and was hooked.

Scott and Stacy soon began making several trips a year to Vegas. She liked shopping, sitting by the pool, even occasionally playing the slots with her husband.

They brought the kids in the summer and made a family vacation of it by visiting the Grand Canyon, the Hoover Dam, and Disneyland. Back home, Stevens became a regular at the Mountaineer Casino. Over the next six years, his gambling hobby became an addiction. Stevens methodically concealed his addiction from his wife. He kept separate bank accounts. He used his work address for his gambling correspondence: W-2Gs the IRS form used to report gambling winningswire transfers, casino mailings.

Even his best friend and brother-in-law, Carl Nelson, who occasionally gambled alongside Stevens, had no inkling of his problem. When Stevens ran out of money at the casino, he would leave, write a company check on one of the Berkman accounts for which he had check-cashing privileges, and return to the casino with more cash. He sometimes did this three or four times in a single day. His colleagues did not question his absences from the office, because his job involved overseeing various companies in different locations.

Stacy had no idea.

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In Vegas, Stevens had always kept plans to join her and the girls for lunch. At home, he was always on time for dinner. So she was stunned Reel Power Casino Journals Justin he called her with bad news on January 30, She was on the stairs with a load of laundry when the phone rang.

Stevens never did come clean with her about how much he had stolen or about how often he had been gambling. Even after he was fired, Stevens kept gambling as often as five or six times a week. Stacy noticed that he was irritable more frequently than usual and that he sometimes snapped at the girls, but she figured that it was the fallout of his unemployment.

When he headed to the casino, he told her he was going to see his therapist, that he was networking, that he had other appointments.

When money appeared from his occasional wins, he claimed that he had been doing some online trading. Afterward, Stacy studied gambling addiction and the ways slot machines entice customers to part with their money. Inshe filed a lawsuit against both Mountaineer Casino and International Game Technology, the manufacturer of the slot machines her husband played.

At issue was the fundamental question of who killed Scott Stevens. Did he die because he was unable to rein in his own addictive need to gamble? Or Reel Power Casino Journals Justin he the victim—as the suit alleged—of a system carefully calibrated to prey upon his weakness, one that robbed him of his money, his hope, and ultimately his life?

But since Congress passed the Indian Gaming Regulatory Act intribal and commercial casinos have rapidly proliferated across the country, with some 1, now operating in 40 states. The preferred mode of gambling these days is electronic gaming machines, of which there are now almost 1 million nationwide, offering variations on slots and video poker. Their prevalence has accelerated addiction and reaped huge profits for casino operators. And, despite the popularity of slot machines and the decades of innovation Game Of Chance Casino Joe Pesci Gif them, when adjusted for inflation, there has not been a significant increase in the amount spent by customers on slot-machine gambling during an average casino visit.

Noffsinger, 72, has been here before. A soft-spoken personal-injury attorney based in Indiana, he has filed two previous lawsuits against casinos. Inhe sued Aztar Indiana Gaming, of Evansville, on behalf of David Williams, then 51 years old, who had been an auditor for the State of Indiana.

Four years later, Noffsinger filed a suit on behalf of Jenny Kephart, then 52 years old, against Caesars Riverboat Casino, in Elizabeth, Indiana, alleging that the casino, aware that Kephart was a pathological gambler, knowingly enticed her into gambling in order to profit from her addiction. Kephart had filed for bankruptcy after going broke gambling in Iowa, and moved to Tennessee.

When the casino sued her for damages on the money she owed, Kephart countersued. Unlike in his earlier gambling cases, however, he decided to include a products-liability claim in this one, essentially arguing that slot machines are knowingly designed to deceive players so that when they are used as intended, they cause harm. In focusing on the question of product liability, Noffsinger was borrowing from the rule book of early antitobacco litigation strategy, which, over the course of several decades and countless lawsuits, ultimately succeeded in getting courts to hold the industry liable for the damage it wrought on public health.

When Noffsinger filed the Stevens lawsuit, John W. E ven by the estimates of the National Center for Responsible Gaming, which was founded by industry members, 1. That is more than the number of women living in the U. Others outside the industry estimate the number of Scatter Bonus Casino Vallarta Adventures addicts in the country to be higher. Such addicts simply cannot stop themselves, regardless of the consequences.

Gambling is a drug-free addiction. Yet despite the Resorts World Casino Poker that there is no external chemical at work on the brain, the neurological and physiological reactions to the stimulus are similar to those of drug or alcohol addicts. Some gambling addicts report that they experience a high resembling that produced by a powerful drug.

Like drug addicts, they develop a tolerance, and when they cannot gamble, they Reel Power Casino Journals Justin signs of withdrawal such as panic attacks, anxiety, insomnia, headaches, and heart palpitations. Neuroscientists have discovered characteristics that appear to be unique to the brains of addicts, particularly in the dopaminergic system, which includes reward pathways, and in the prefrontal cortex, which exerts executive control over impulses.

Gambling addicts may have a genetic predisposition, though a specific marker has not yet been uncovered. Environmental factors and personality traits—a big gambling win within the past year, companions who gamble regularly, impulsivity, depression—may also contribute to the development of a gambling problem.

Given the guilt and shame involved, gambling addiction frequently progresses to a profound despair. The National Council on Problem Gambling estimates that one in five gambling addicts attempts suicide—the highest rate among addicts of any kind.

There are no accurate figures for suicides related to gambling problems, but there are ample anecdotes: P roblem gamblers are worth a lot of money to casinos. According to some research, 20 percent of regular gamblers are problem or pathological gamblers. Moreover, when they gamble, they spend—which is to say, lose—more than other players.

At least nine independent studies demonstrate that problem gamblers generate anywhere from 30 to 60 percent of total gambling revenues. Casinos know exactly who their biggest spenders are. According to a article in Time magazine, back in the s casino operators bought records from credit-card companies and mailing lists from direct-mail marketers. These days, the casinos have their own internal methods for determining who their most attractive customers are.

Machine Gambling in Las Vegas70 percent of patrons now use loyalty cards, which allow the casinos to track such data points as how frequently they play electronic gaming machines, how long they play, how much they bet, how often they win and lose, what times of day they visit, and so on. Each time a patron hits the Spin or the Deal button, which can be as frequently as to 1, times an hour, the casino registers the data.

In some machines, miniature cameras watch their faces and track their playing behavior.

Several companies supply casinos with ATMs that allow patrons to withdraw funds through both debit and cash-advance functions, in some cases without ever leaving the machines they are playing. Some of the companies also sell information on their ATM customers to the casinos.

All of these data have enabled casinos to specifically target their most reliable spenders, primarily problem gamblers and outright addicts. They also employ hosts who befriend large spenders and use special offers to encourage them to stay longer or return soon. Some hosts receive bonuses that are tied to the amount customers spend beyond their expected losses, which are calculated using the data gathered from previous visits. The business plan for casinos is based on the addicted gambler.

It increased the limits on some slot machines so that she could spend more on single games. It also made a new machine off-limits to other customers so that Richardson could be the first to play it.

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He asked that she have him cremated. He placed the letter and the check in an envelope, drove to the Steubenville post office, and mailed it. He had raised funds for these green fields, tended them with his lawn mower, and watched his daughters play on them.

Stevens parked his Jeep in the gravel lot and called Ricky Gurbst, a Cleveland attorney whose firm, Squire Patton Boggs, represented Berkman, where Stevens had worked for 14 years—until six and a half months earlier, when the firm discovered that he had been stealing company funds to feed his gambling habit and fired him. Stevens had a request: Failing his daughters had been the final blow. He next called J. Up until that point, he had put on a brave face for Bender, saying he would accept responsibility and serve his time.

Now he told Bender what he was about to do. Alarmed, Bender tried to talk him out of it. He unpacked his Browning semiautomatic gauge shotgun, loaded it, and sat on one of the railroad ties that rimmed the parking lot. He was meticulous about finances, both professionally and personally. When he first met Stacy, in , he insisted that she pay off her credit-card debt immediately. Stevens doted on his girls and threw himself into causes that benefited them.

He spent time on weekends painting the high-school cafeteria and stripping the hallway floors. Stevens got his first taste of casino gambling while attending a trade show in Las Vegas. On a subsequent trip, he hit a jackpot on a slot machine and was hooked. Scott and Stacy soon began making several trips a year to Vegas. She liked shopping, sitting by the pool, even occasionally playing the slots with her husband.

They brought the kids in the summer and made a family vacation of it by visiting the Grand Canyon, the Hoover Dam, and Disneyland. Back home, Stevens became a regular at the Mountaineer Casino. Over the next six years, his gambling hobby became an addiction. Stevens methodically concealed his addiction from his wife.

He kept separate bank accounts. He used his work address for his gambling correspondence: W-2Gs the IRS form used to report gambling winnings , wire transfers, casino mailings.

Even his best friend and brother-in-law, Carl Nelson, who occasionally gambled alongside Stevens, had no inkling of his problem. When Stevens ran out of money at the casino, he would leave, write a company check on one of the Berkman accounts for which he had check-cashing privileges, and return to the casino with more cash. He sometimes did this three or four times in a single day. His colleagues did not question his absences from the office, because his job involved overseeing various companies in different locations.

Stacy had no idea. In Vegas, Stevens had always kept plans to join her and the girls for lunch. At home, he was always on time for dinner. So she was stunned when he called her with bad news on January 30, She was on the stairs with a load of laundry when the phone rang.

Stevens never did come clean with her about how much he had stolen or about how often he had been gambling. Even after he was fired, Stevens kept gambling as often as five or six times a week. Stacy noticed that he was irritable more frequently than usual and that he sometimes snapped at the girls, but she figured that it was the fallout of his unemployment. When he headed to the casino, he told her he was going to see his therapist, that he was networking, that he had other appointments.

When money appeared from his occasional wins, he claimed that he had been doing some online trading. Afterward, Stacy studied gambling addiction and the ways slot machines entice customers to part with their money.

In , she filed a lawsuit against both Mountaineer Casino and International Game Technology, the manufacturer of the slot machines her husband played. At issue was the fundamental question of who killed Scott Stevens.

Did he die because he was unable to rein in his own addictive need to gamble? Or was he the victim—as the suit alleged—of a system carefully calibrated to prey upon his weakness, one that robbed him of his money, his hope, and ultimately his life?

But since Congress passed the Indian Gaming Regulatory Act in , tribal and commercial casinos have rapidly proliferated across the country, with some 1, now operating in 40 states. The preferred mode of gambling these days is electronic gaming machines, of which there are now almost 1 million nationwide, offering variations on slots and video poker.

Their prevalence has accelerated addiction and reaped huge profits for casino operators. And, despite the popularity of slot machines and the decades of innovation surrounding them, when adjusted for inflation, there has not been a significant increase in the amount spent by customers on slot-machine gambling during an average casino visit.

Noffsinger, 72, has been here before. A soft-spoken personal-injury attorney based in Indiana, he has filed two previous lawsuits against casinos. In , he sued Aztar Indiana Gaming, of Evansville, on behalf of David Williams, then 51 years old, who had been an auditor for the State of Indiana. Four years later, Noffsinger filed a suit on behalf of Jenny Kephart, then 52 years old, against Caesars Riverboat Casino, in Elizabeth, Indiana, alleging that the casino, aware that Kephart was a pathological gambler, knowingly enticed her into gambling in order to profit from her addiction.

Kephart had filed for bankruptcy after going broke gambling in Iowa, and moved to Tennessee. When the casino sued her for damages on the money she owed, Kephart countersued. Unlike in his earlier gambling cases, however, he decided to include a products-liability claim in this one, essentially arguing that slot machines are knowingly designed to deceive players so that when they are used as intended, they cause harm.

In focusing on the question of product liability, Noffsinger was borrowing from the rule book of early antitobacco litigation strategy, which, over the course of several decades and countless lawsuits, ultimately succeeded in getting courts to hold the industry liable for the damage it wrought on public health. When Noffsinger filed the Stevens lawsuit, John W. E ven by the estimates of the National Center for Responsible Gaming, which was founded by industry members, 1. That is more than the number of women living in the U.

Others outside the industry estimate the number of gambling addicts in the country to be higher. Such addicts simply cannot stop themselves, regardless of the consequences. Gambling is a drug-free addiction. Yet despite the fact that there is no external chemical at work on the brain, the neurological and physiological reactions to the stimulus are similar to those of drug or alcohol addicts.

Some gambling addicts report that they experience a high resembling that produced by a powerful drug. Like drug addicts, they develop a tolerance, and when they cannot gamble, they show signs of withdrawal such as panic attacks, anxiety, insomnia, headaches, and heart palpitations.

Neuroscientists have discovered characteristics that appear to be unique to the brains of addicts, particularly in the dopaminergic system, which includes reward pathways, and in the prefrontal cortex, which exerts executive control over impulses.

Gambling addicts may have a genetic predisposition, though a specific marker has not yet been uncovered. Environmental factors and personality traits—a big gambling win within the past year, companions who gamble regularly, impulsivity, depression—may also contribute to the development of a gambling problem.

Given the guilt and shame involved, gambling addiction frequently progresses to a profound despair. The National Council on Problem Gambling estimates that one in five gambling addicts attempts suicide—the highest rate among addicts of any kind.

There are no accurate figures for suicides related to gambling problems, but there are ample anecdotes: P roblem gamblers are worth a lot of money to casinos. According to some research, 20 percent of regular gamblers are problem or pathological gamblers. Moreover, when they gamble, they spend—which is to say, lose—more than other players. At least nine independent studies demonstrate that problem gamblers generate anywhere from 30 to 60 percent of total gambling revenues.

Casinos know exactly who their biggest spenders are. According to a article in Time magazine, back in the s casino operators bought records from credit-card companies and mailing lists from direct-mail marketers. These days, the casinos have their own internal methods for determining who their most attractive customers are.

Machine Gambling in Las Vegas , 70 percent of patrons now use loyalty cards, which allow the casinos to track such data points as how frequently they play electronic gaming machines, how long they play, how much they bet, how often they win and lose, what times of day they visit, and so on. Each time a patron hits the Spin or the Deal button, which can be as frequently as to 1, times an hour, the casino registers the data. In some machines, miniature cameras watch their faces and track their playing behavior.

Several companies supply casinos with ATMs that allow patrons to withdraw funds through both debit and cash-advance functions, in some cases without ever leaving the machines they are playing. Some of the companies also sell information on their ATM customers to the casinos. All of these data have enabled casinos to specifically target their most reliable spenders, primarily problem gamblers and outright addicts.

They also employ hosts who befriend large spenders and use special offers to encourage them to stay longer or return soon. Some hosts receive bonuses that are tied to the amount customers spend beyond their expected losses, which are calculated using the data gathered from previous visits. The business plan for casinos is based on the addicted gambler. It increased the limits on some slot machines so that she could spend more on single games. It also made a new machine off-limits to other customers so that Richardson could be the first to play it.

Management assigned Richardson an executive host, who offered her free drinks, meals, hotel stays, and tickets to entertainment events. In , Richardson, then 54, was sentenced to 14 to 20 years in prison for the crime.

A motion was made and seconded to approve the contract for P. Hernandez Tree for removal of dead trees and trimming of the willows around the pond. Owners needing to perform repairs and maintenance from the Spring Walk are reminded that the repair deadline is September 15 th , after which follow-up inspections will be done to verify compliance.

Owners must complete cited repairs, or submit a verifiable, signed contract to Jean that includes a service date and a recorded deposit. Fines will be levied as of October 15 th. September 3 and November 5. Sealcoating will take place at the end of June. There were 2 Board seats up for election, a 1- year and a 2-year term.

Martin Sloan and Victoria Tjardes were elected, and Board member designations remain the same. Martin Sloan adjourned the Annual Meeting and called the regular meeting to order at 7: No additions or corrections were made to the November minutes, the Board moved and seconded to approve the minutes as presented.

Pricing for sealcoating of the parking lots and individual driveways will not be available until the May meeting. The Board will hold the annual Spring Walk in May, weather permitting. May 7, July 2, September 3 and November 5. Jean gave us a financial update and the September minutes were approved.

The budget was approved with no increase in assessments. Expenses are expected to be slightly higher, but budgetary goals remain on target. There was a motion and a second to approve the installation of the snow fence, landscape improvements of the island beds, Newbury sign and mulching of all mailbox clusters was approved. Meeting dates for are January 1 st , March 5 th , annual meeting May 7 th , July 2 nd , September 3 rd and November 5 th , at 7: Holiday decorations are allowed 30 days before and 30 days after a holiday.

Recognizing that alternative parking during plowing can be difficult, you can avoid towing only, if: If you have questions regarding the plowing of the streets, please contact the Island Lake Public Works Department.

Due to her work schedule Tammy Gitzke had to leave the Board. Replacing her is Victoria Tjardes. The Board moved and seconded to approve the financial reports for July and August, The deadline for repairs and maintenance has passed, and the final walk-through has already been performed.

Owners cited by letter in May of required repairs must now be complete, or have submitted a contract on these items to Jean. Fines will be levied beginning in October. If you anticipate any difficulty in completing repairs, please call Jean to determine what options might be available for your particular circumstance.

A sincere thank you is extended to all owners that have finished repairs and have added many quality unit upgrades this year. In the last few months, while still at relatively low levels, units in default and foreclosure have decreased slightly.

Our financial outlook is still relatively stable at present. A motion was made, seconded, to approve a 3 year contract with Apex Landscaping, which was unanimously approved. The landscaping and snow removal will be taken over by Apex beginning November 15 th. The Newbury entrance sign has been refurbished and should not need any future repairs for at least 5 years.

The final meeting for will be held on November 6 th. A motion was made, seconded, to approve the March meeting minutes. March meeting minutes were unanimously approved. Donald White gave the Financial Report. Sealcoating of the common parking lots is scheduled for August 12 th , 13 th , and 14 th with rain dates being August 19 th , 20 th , and 21 st. Jean will be getting bids for painting of the Newbury entrance sign.

The Spring walk has been completed, with letters being sent to owners needing to perform repairs and maintenance. The repair deadline is September 15 th , when follow-up inspections will be done. If repairs are not completed, fines will be levied. The July 3 rd meeting has been cancelled due to a lack of quorum. September 4 and November 6. Combined votes and proxies elected Tammy Gitzke to a new 2-year term.

Donald gave us a financial update and the November, minutes were approved. Acres will be performing the spring cleanup of the entire subdivision in early April, picking up all winter trash now exposed by the melting snow. Board members and Jean will conduct a walk in April weather permitting. They will be checking units that are in need of maintenance. Owners needing to make repairs to their units will be mailed a notice detailing these items and a deadline for completion.

Later this summer the common parking lots will be sealed. Residents will have the opportunity to have their driveway sealed by Todd. Due to the increase in petroleum products we do not have a cost for doing individual driveways at this time.

Homeowners will be notified of the cost should they want their driveway sealed. May 1, July 3, September 4 and November 6. Board of Director Meeting Minutes November 1, Martin gave us the financial update. Expenses are expected to be slightly. It was moved and seconded to approve Acres Snow removal contract, Acres lawn care service contract. Holiday decorations are allowed up 30 days before and must be removed 30 days after a holiday. Per Newbury Village Rules and Regulations,.

If you have questions regarding the plowing of the streets, please contact the Island Lake Public. There was 1 Board seat up for election for a 2-year term. Tammy Gitzke was elected, and Board member designations remain the same. Jean gave us a financial update. No additions or corrections were made to the minutes, the Board moved and seconded to approve the minutes as presented.

The Board moved and seconded to approve the financial reports. Acres will be performing a spring cleanup of the entire subdivision with in the next few weeks, picking up all winter trash now exposed. The Board will hold the annual Spring Walk sometime in early May.

Remaining dates May 5, July 4 cancelled , September 5 and November 7. Per Newbury Village Rules and Regulations, vehicles not moved for plowing can be towed immediately at your expense. Jean gave us a financial update and the July minutes were approved. The deadline for repairs and maintenance has passed, and the final walk-through will be performed.

Owners cited by letter in June of required repairs must now be complete, or have submitted a contract on these items to Jean. Fines will be levied in October. In the last few months, while still at relatively low levels, units in default and foreclosure have increased slightly. All residents with a fenced in back yard are responsible for mowing. Yards must be mowed on a weekly basis.

The landscape service will not mow any fenced yards in the coming season. It is both a Village ordinance, as well as and NVTA Rule, that any and all garbage and refuse cannot be placed curbside before 4: Some residents are allowing their dogs to run loose again now that the weather is nice.

Per Village ordinance, dogs must be leashed at all times. We urge you to call the Police Department if this nuisance is continual and not accidental. The remaining meeting date for is November 2, Jean gave us a financial update and the May minutes were approved. Units in foreclosure have dropped to Those owners needing to perform repairs and maintenance from the Spring Walk are reminded that the repair deadline is September 19th, after which follow-up inspections will be done to verify compliance.

Fines will be levied as of October 24th. Whether such requests are ordinary or due to insurance claims, residents must be aware that regardless of what contractors might tell them: Any and all requests for Architectural Committee Approvals are promptly reviewed on an individual basis only.

Each individual and vendor must submit sample materials, plans and contract copies before any NVTA Permit Approvals are granted. Residents are warned that any and all lighting run along the edge of driveways, exposed sidewalks and stoops, including all associated cabling runs will not be reimbursed for damage under any circumstance and without exception, as a result of mowing operations. It is both a Village ordinance, as well as an NVTA Rule, that any and all garbage and refuse cannot be placed curbside before 4: This is especially important here, as some fire containers are set on decks, are in close proximity to old, dry fencing and other combustibles, not to mention next door neighbors who wish to open their windows without gagging on smoke.

While garbage, dog and fire rules violations are enforceable by the Association, we need a written, signed complaint to do so. Anonymous complaints will not be used. Residents frequently complain, but do not follow through. However, the Police Department is preferred — their availability is immediate, fines are higher, compulsory court appearance is often required for offenders and future compliance has proven to be more swift and permanent.

Jean gave us a financial update and the March minutes were approved. The repair deadline is September 19 th , when follow-up inspections will be done.

Owners must complete repairs, or submit a verifiable contract to Jean that is signed and includes a service date and a recorded deposit. Fines will be imposed as of October 24 th. If you anticipate difficulty in completing your required repairs, please contact Jean. IT Services in Tulsa. Directory of black owned businesses. Boxing fitness certification course Personal Training. Liverpool Wedding Photographer Lancashire Cheshire. Luxury car rental near Miami airport.

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If repairs are not completed, fines will be levied. The July 3 rd meeting has been cancelled due to a lack of quorum. September 4 and November 6. Combined votes and proxies elected Tammy Gitzke to a new 2-year term. Donald gave us a financial update and the November, minutes were approved.

Acres will be performing the spring cleanup of the entire subdivision in early April, picking up all winter trash now exposed by the melting snow. Board members and Jean will conduct a walk in April weather permitting. They will be checking units that are in need of maintenance. Owners needing to make repairs to their units will be mailed a notice detailing these items and a deadline for completion.

Later this summer the common parking lots will be sealed. Residents will have the opportunity to have their driveway sealed by Todd. Due to the increase in petroleum products we do not have a cost for doing individual driveways at this time. Homeowners will be notified of the cost should they want their driveway sealed. May 1, July 3, September 4 and November 6.

Board of Director Meeting Minutes November 1, Martin gave us the financial update. Expenses are expected to be slightly. It was moved and seconded to approve Acres Snow removal contract, Acres lawn care service contract. Holiday decorations are allowed up 30 days before and must be removed 30 days after a holiday.

Per Newbury Village Rules and Regulations,. If you have questions regarding the plowing of the streets, please contact the Island Lake Public. There was 1 Board seat up for election for a 2-year term. Tammy Gitzke was elected, and Board member designations remain the same.

Jean gave us a financial update. No additions or corrections were made to the minutes, the Board moved and seconded to approve the minutes as presented. The Board moved and seconded to approve the financial reports.

Acres will be performing a spring cleanup of the entire subdivision with in the next few weeks, picking up all winter trash now exposed. The Board will hold the annual Spring Walk sometime in early May. Remaining dates May 5, July 4 cancelled , September 5 and November 7.

Per Newbury Village Rules and Regulations, vehicles not moved for plowing can be towed immediately at your expense.

Jean gave us a financial update and the July minutes were approved. The deadline for repairs and maintenance has passed, and the final walk-through will be performed. Owners cited by letter in June of required repairs must now be complete, or have submitted a contract on these items to Jean.

Fines will be levied in October. In the last few months, while still at relatively low levels, units in default and foreclosure have increased slightly. All residents with a fenced in back yard are responsible for mowing. Yards must be mowed on a weekly basis. The landscape service will not mow any fenced yards in the coming season. It is both a Village ordinance, as well as and NVTA Rule, that any and all garbage and refuse cannot be placed curbside before 4: Some residents are allowing their dogs to run loose again now that the weather is nice.

Per Village ordinance, dogs must be leashed at all times. We urge you to call the Police Department if this nuisance is continual and not accidental. The remaining meeting date for is November 2, Jean gave us a financial update and the May minutes were approved. Units in foreclosure have dropped to Those owners needing to perform repairs and maintenance from the Spring Walk are reminded that the repair deadline is September 19th, after which follow-up inspections will be done to verify compliance.

Fines will be levied as of October 24th. Whether such requests are ordinary or due to insurance claims, residents must be aware that regardless of what contractors might tell them: Any and all requests for Architectural Committee Approvals are promptly reviewed on an individual basis only.

Each individual and vendor must submit sample materials, plans and contract copies before any NVTA Permit Approvals are granted. Residents are warned that any and all lighting run along the edge of driveways, exposed sidewalks and stoops, including all associated cabling runs will not be reimbursed for damage under any circumstance and without exception, as a result of mowing operations.

It is both a Village ordinance, as well as an NVTA Rule, that any and all garbage and refuse cannot be placed curbside before 4: This is especially important here, as some fire containers are set on decks, are in close proximity to old, dry fencing and other combustibles, not to mention next door neighbors who wish to open their windows without gagging on smoke. While garbage, dog and fire rules violations are enforceable by the Association, we need a written, signed complaint to do so.

Anonymous complaints will not be used. Residents frequently complain, but do not follow through. However, the Police Department is preferred — their availability is immediate, fines are higher, compulsory court appearance is often required for offenders and future compliance has proven to be more swift and permanent. Jean gave us a financial update and the March minutes were approved. The repair deadline is September 19 th , when follow-up inspections will be done.

Owners must complete repairs, or submit a verifiable contract to Jean that is signed and includes a service date and a recorded deposit. Fines will be imposed as of October 24 th. If you anticipate difficulty in completing your required repairs, please contact Jean. All parking lots will be seal coated on Monday, July 11 th through Wednesday, July 13 th at 6: Cars remaining at 6: Sealing of driveways will begin once parking lots are complete.

If payment is not made in advance Todd will not seal your driveway. The remaining meeting dates for are July 6 th , September 7 th and November 2 nd.

There was 1 seat up for election. Donna Fiduccia was re-elected, continuing as Secretary. The Annual Meeting was adjourned, and the regular meeting was called to order. Jean gave us a financial update and the November, minutes were approved. Our current financial situation is relatively sound. The typically higher number of accounts in temporary seasonal default, and related collections activity, were similar to the activity experienced last year.

Unit foreclosures are currently at Acres will be performing the spring cleanup of the entire subdivision within the next couple of weeks, picking up all winter trash now exposed by the melting snow. Jean and the Board will conduct this walk at the end of April or beginning of May, weather permitting. Many residents have noted since warmer weather is back, a number of dogs are running around unleashed again, and that some dog owners are neglecting to pick up after them. Unleashed dogs can be addressed directly by the Police Department.

Only signed complaints will be addressed, anonymous complaints cannot be enforced. While building repair due dates are further out in time; you need to repair your lawn quickly. Dates and the cost to do driveways will be in the May newsletter. Meeting Schedule for May 4 th , July 6 th , September 7 th and November 2 nd.

It was moved and seconded to approve the Management contract for 2 more years. The meeting adjourned at 8: Recognizing that alternative parking during plowing can be difficult, you can avoid towing only, if. Those owners needing to perform repairs and maintenance from the Spring Walk are reminded that the repair deadline was August 30th, after which follow-up inspections will be done to verify compliance.

Due to the extreme weather, inspections will be done in mid September to allow owners extra time to complete the repairs. Failure to comply can result in fines. The remaining meeting date for is November 3 rd. The remaining meeting dates for are September 1 st and November 3 rd. Gallery Home May 5, The repair deadline is August 30 th , when follow-up inspections will be done. Fines will be imposed as of September 15 th. If you received one of the large dumpster type recycling containers and are unable to fit it in your garage you will need to contact the Village Hall at to have them pick up the large container and have your name placed on the list for a smaller container to be delivered at a later date.

All parking lots will be seal coated on Monday, June 14 th through Wednesday, June 16 th at 6: Sealing will begin once parking lots are complete. The remaining meeting dates for are July 7 th , September 1 st and November 3 rd. There were 3 Board seats up for election. The Annual Meeting adjourned, and the regular meeting was immediately called to order. Our financial situation is relatively sound.

There are 4 active foreclosures in Newbury. Acres will start the Spring clean-up April 1st. This work includes turf clean-up, leaf and debris removal from all beds in the common areas. Board members and Jean will conduct a walk at the end of April or the beginning of May, weather permitting. Pre Mix Tablet Binder.

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Stacy had no idea. In Vegas, Stevens had always kept plans to join her and the girls for lunch. At home, he was always on time for dinner. So she was stunned when he called her with bad news on January 30, She was on the stairs with a load of laundry when the phone rang. Stevens never did come clean with her about how much he had stolen or about how often he had been gambling. Even after he was fired, Stevens kept gambling as often as five or six times a week.

Stacy noticed that he was irritable more frequently than usual and that he sometimes snapped at the girls, but she figured that it was the fallout of his unemployment. When he headed to the casino, he told her he was going to see his therapist, that he was networking, that he had other appointments. When money appeared from his occasional wins, he claimed that he had been doing some online trading. Afterward, Stacy studied gambling addiction and the ways slot machines entice customers to part with their money.

In , she filed a lawsuit against both Mountaineer Casino and International Game Technology, the manufacturer of the slot machines her husband played. At issue was the fundamental question of who killed Scott Stevens. Did he die because he was unable to rein in his own addictive need to gamble?

Or was he the victim—as the suit alleged—of a system carefully calibrated to prey upon his weakness, one that robbed him of his money, his hope, and ultimately his life? But since Congress passed the Indian Gaming Regulatory Act in , tribal and commercial casinos have rapidly proliferated across the country, with some 1, now operating in 40 states.

The preferred mode of gambling these days is electronic gaming machines, of which there are now almost 1 million nationwide, offering variations on slots and video poker. Their prevalence has accelerated addiction and reaped huge profits for casino operators.

And, despite the popularity of slot machines and the decades of innovation surrounding them, when adjusted for inflation, there has not been a significant increase in the amount spent by customers on slot-machine gambling during an average casino visit. Noffsinger, 72, has been here before. A soft-spoken personal-injury attorney based in Indiana, he has filed two previous lawsuits against casinos.

In , he sued Aztar Indiana Gaming, of Evansville, on behalf of David Williams, then 51 years old, who had been an auditor for the State of Indiana.

Four years later, Noffsinger filed a suit on behalf of Jenny Kephart, then 52 years old, against Caesars Riverboat Casino, in Elizabeth, Indiana, alleging that the casino, aware that Kephart was a pathological gambler, knowingly enticed her into gambling in order to profit from her addiction. Kephart had filed for bankruptcy after going broke gambling in Iowa, and moved to Tennessee. When the casino sued her for damages on the money she owed, Kephart countersued.

Unlike in his earlier gambling cases, however, he decided to include a products-liability claim in this one, essentially arguing that slot machines are knowingly designed to deceive players so that when they are used as intended, they cause harm.

In focusing on the question of product liability, Noffsinger was borrowing from the rule book of early antitobacco litigation strategy, which, over the course of several decades and countless lawsuits, ultimately succeeded in getting courts to hold the industry liable for the damage it wrought on public health.

When Noffsinger filed the Stevens lawsuit, John W. E ven by the estimates of the National Center for Responsible Gaming, which was founded by industry members, 1. That is more than the number of women living in the U.

Others outside the industry estimate the number of gambling addicts in the country to be higher. Such addicts simply cannot stop themselves, regardless of the consequences.

Gambling is a drug-free addiction. Yet despite the fact that there is no external chemical at work on the brain, the neurological and physiological reactions to the stimulus are similar to those of drug or alcohol addicts. Some gambling addicts report that they experience a high resembling that produced by a powerful drug. Like drug addicts, they develop a tolerance, and when they cannot gamble, they show signs of withdrawal such as panic attacks, anxiety, insomnia, headaches, and heart palpitations.

Neuroscientists have discovered characteristics that appear to be unique to the brains of addicts, particularly in the dopaminergic system, which includes reward pathways, and in the prefrontal cortex, which exerts executive control over impulses.

Gambling addicts may have a genetic predisposition, though a specific marker has not yet been uncovered. Environmental factors and personality traits—a big gambling win within the past year, companions who gamble regularly, impulsivity, depression—may also contribute to the development of a gambling problem. Given the guilt and shame involved, gambling addiction frequently progresses to a profound despair.

The National Council on Problem Gambling estimates that one in five gambling addicts attempts suicide—the highest rate among addicts of any kind. There are no accurate figures for suicides related to gambling problems, but there are ample anecdotes: P roblem gamblers are worth a lot of money to casinos.

According to some research, 20 percent of regular gamblers are problem or pathological gamblers. Moreover, when they gamble, they spend—which is to say, lose—more than other players. At least nine independent studies demonstrate that problem gamblers generate anywhere from 30 to 60 percent of total gambling revenues.

Casinos know exactly who their biggest spenders are. According to a article in Time magazine, back in the s casino operators bought records from credit-card companies and mailing lists from direct-mail marketers. These days, the casinos have their own internal methods for determining who their most attractive customers are. Machine Gambling in Las Vegas , 70 percent of patrons now use loyalty cards, which allow the casinos to track such data points as how frequently they play electronic gaming machines, how long they play, how much they bet, how often they win and lose, what times of day they visit, and so on.

Each time a patron hits the Spin or the Deal button, which can be as frequently as to 1, times an hour, the casino registers the data. In some machines, miniature cameras watch their faces and track their playing behavior.

Several companies supply casinos with ATMs that allow patrons to withdraw funds through both debit and cash-advance functions, in some cases without ever leaving the machines they are playing. Some of the companies also sell information on their ATM customers to the casinos.

All of these data have enabled casinos to specifically target their most reliable spenders, primarily problem gamblers and outright addicts. They also employ hosts who befriend large spenders and use special offers to encourage them to stay longer or return soon.

Some hosts receive bonuses that are tied to the amount customers spend beyond their expected losses, which are calculated using the data gathered from previous visits. The business plan for casinos is based on the addicted gambler. It increased the limits on some slot machines so that she could spend more on single games.

It also made a new machine off-limits to other customers so that Richardson could be the first to play it. Management assigned Richardson an executive host, who offered her free drinks, meals, hotel stays, and tickets to entertainment events. In , Richardson, then 54, was sentenced to 14 to 20 years in prison for the crime. The thefts ultimately put the company out of business. A representative for Ameristar Casino declined to comment on the lawsuit.

District Court for Nebraska agreed that Colombo had sufficiently proved its initial claim of unjust enrichment, which the casino would have to defend itself against. W alk into the Mountaineer Casino in West Virginia, and the slot machines overwhelm you—more than 1, of them, lights blinking, animated screens flashing, the simulated sound of clinking coins blaring across the floor.

But the vast majority sit at the slot machines. Slots and video poker have become the lifeblood of the American casino. They generate nearly 70 percent of casino revenues, according to a American Gaming Association report, up from 45 percent four decades ago.

Three out of five casino visitors say their favorite activity is playing electronic gaming machines. Their popularity spells profits not only for casinos but for manufacturers as well. Old-fashioned three-reel slot machines consisted of physical reels that were set spinning by the pull of a lever. If the same symbol aligned on the payline on all three reels when they stopped spinning, the player would win a jackpot that varied in size depending on the symbol.

The odds were straightforward and not terribly hard to calculate. But where each reel stops is no longer determined by the force of a good pull of the lever. The physical reels are not spinning until they run out of momentum, as it might appear. Thus it is possible for game designers to reduce the odds of hitting a big jackpot from 1 in 10, to 1 in million. Moreover, it is almost impossible for a slots player to have any idea of the actual odds of winning any jackpot, however large or small.

The intent is to give the player the impression of having almost won—when, in fact, he or she is no closer to having won than if the symbol had not appeared on the reel at all. Some slot machines are specifically programmed to offer up this near-miss result far more often than they would if they operated by sheer chance, and the psychological impact can be powerful, leading players to think, I was so close.

Nelson Rose, a professor at Whittier Law School and the author of Gambling and the Law , has written, Nevada regulations operate on the theory that a sophisticated player would be able to tell the real odds of winning by playing a machine long enough.

Research has shown that an elevated number of near-miss results does increase playing time. Indeed, as early as , B. Astonishingly, the patent application for virtual reel mapping, the technology that made all these deceptive practices possible, was straightforward about its intended use: In the United States, by contrast, the federal government granted the patent for virtual reel mapping in IGT purchased the rights to it in and later licensed the patent to other companies.

Of course, classic, spinning-reel slot machines make up only a fraction of the electronic gaming machines available at most casinos. Technology has evolved such that many machines lack physical reels altogether, instead merely projecting the likenesses of spinning symbols onto a video screen.

Instead of betting on one simple payline, players are able to bet on multiple patterns of paylines—as many as on some machines.

This allows for more opportunities to win, but the results are often deceptive.

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The overhead display presents your own marketing messages when the games are in regular play mode. A motion was made, seconded, to approve the September meeting minutes. September meeting minutes were unanimously approved. A motion was made, seconded, to approve the September and October bills and expenses as presented.

September and October bills and expenses as presented were unanimously approved. Jean gave the financial report. In preparing the budget, the Board recognized the need to increase assessments. This will be the first increase in 9 years. Payment coupons will be mailed by December 15 th , A motion was made, seconded to approve the Management contract for 2 years.

Holiday decorations are allowed 30 days before and must be removed 30 days after. Cars must be removed from parking areas for plowing. Per Newbury Village Rules and Regulations, vehicles not moved for plowing will be towed immediately at your expense.

Meeting schedule for January 7 th , March 4 th , annual meeting May 6 th , July 1 st , September 2 nd , and November 4 th. Meetings are held at the Island Lake Village Hall at 7: A motion was made, seconded, to approve the July meeting minutes. July meeting minutes were unanimously approved.

A motion was made, seconded, to approve the July and August bills and expenses as presented. July and August bills and expenses as presented were unanimously approved. Our financial outlook remains stable at the present time.

A motion was made, seconded, to discuss Old Business. Final inspection of unit maintenance will be completed in the next 30 days. If you anticipate difficulty in completing your required repairs, please contact Jean to determine what options are available for your particular circumstance. A motion was made, seconded, to discuss New Business: Topics presented and discussed included: Termination of Apex Landscaping contracts for , and Approval of Acres Group contracts for the remainder of , and Increase of Assessment fee for Assessment fees have not increased since There will be an increase in the monthly assessment fee starting in January, No additions or corrections were made to the May minutes, the Board moved and seconded to approve the minutes as presented.

Jean gave us the financial update. A motion was made and seconded to approve the contract for P. Hernandez Tree for removal of dead trees and trimming of the willows around the pond.

Owners needing to perform repairs and maintenance from the Spring Walk are reminded that the repair deadline is September 15 th , after which follow-up inspections will be done to verify compliance.

Owners must complete cited repairs, or submit a verifiable, signed contract to Jean that includes a service date and a recorded deposit. Fines will be levied as of October 15 th. September 3 and November 5. Sealcoating will take place at the end of June. There were 2 Board seats up for election, a 1- year and a 2-year term. Martin Sloan and Victoria Tjardes were elected, and Board member designations remain the same.

Martin Sloan adjourned the Annual Meeting and called the regular meeting to order at 7: No additions or corrections were made to the November minutes, the Board moved and seconded to approve the minutes as presented. Pricing for sealcoating of the parking lots and individual driveways will not be available until the May meeting. The Board will hold the annual Spring Walk in May, weather permitting. May 7, July 2, September 3 and November 5. Jean gave us a financial update and the September minutes were approved.

The budget was approved with no increase in assessments. Expenses are expected to be slightly higher, but budgetary goals remain on target. There was a motion and a second to approve the installation of the snow fence, landscape improvements of the island beds, Newbury sign and mulching of all mailbox clusters was approved. Meeting dates for are January 1 st , March 5 th , annual meeting May 7 th , July 2 nd , September 3 rd and November 5 th , at 7: Holiday decorations are allowed 30 days before and 30 days after a holiday.

Recognizing that alternative parking during plowing can be difficult, you can avoid towing only, if: If you have questions regarding the plowing of the streets, please contact the Island Lake Public Works Department. Due to her work schedule Tammy Gitzke had to leave the Board.

Replacing her is Victoria Tjardes. The Board moved and seconded to approve the financial reports for July and August, The deadline for repairs and maintenance has passed, and the final walk-through has already been performed.

Owners cited by letter in May of required repairs must now be complete, or have submitted a contract on these items to Jean. Fines will be levied beginning in October. If you anticipate any difficulty in completing repairs, please call Jean to determine what options might be available for your particular circumstance. A sincere thank you is extended to all owners that have finished repairs and have added many quality unit upgrades this year.

In the last few months, while still at relatively low levels, units in default and foreclosure have decreased slightly. Our financial outlook is still relatively stable at present. A motion was made, seconded, to approve a 3 year contract with Apex Landscaping, which was unanimously approved. The landscaping and snow removal will be taken over by Apex beginning November 15 th.

The Newbury entrance sign has been refurbished and should not need any future repairs for at least 5 years. The final meeting for will be held on November 6 th.

A motion was made, seconded, to approve the March meeting minutes. March meeting minutes were unanimously approved.

Donald White gave the Financial Report. Sealcoating of the common parking lots is scheduled for August 12 th , 13 th , and 14 th with rain dates being August 19 th , 20 th , and 21 st. Jean will be getting bids for painting of the Newbury entrance sign.

The Spring walk has been completed, with letters being sent to owners needing to perform repairs and maintenance. The repair deadline is September 15 th , when follow-up inspections will be done. If repairs are not completed, fines will be levied. The July 3 rd meeting has been cancelled due to a lack of quorum. September 4 and November 6. Combined votes and proxies elected Tammy Gitzke to a new 2-year term.

Donald gave us a financial update and the November, minutes were approved. Acres will be performing the spring cleanup of the entire subdivision in early April, picking up all winter trash now exposed by the melting snow. Board members and Jean will conduct a walk in April weather permitting. They will be checking units that are in need of maintenance. Owners needing to make repairs to their units will be mailed a notice detailing these items and a deadline for completion.

Later this summer the common parking lots will be sealed. Residents will have the opportunity to have their driveway sealed by Todd. Due to the increase in petroleum products we do not have a cost for doing individual driveways at this time. Homeowners will be notified of the cost should they want their driveway sealed.

May 1, July 3, September 4 and November 6. Board of Director Meeting Minutes November 1, Martin gave us the financial update. Expenses are expected to be slightly. It was moved and seconded to approve Acres Snow removal contract, Acres lawn care service contract. Holiday decorations are allowed up 30 days before and must be removed 30 days after a holiday.

Per Newbury Village Rules and Regulations,. If you have questions regarding the plowing of the streets, please contact the Island Lake Public. There was 1 Board seat up for election for a 2-year term. Tammy Gitzke was elected, and Board member designations remain the same. Jean gave us a financial update. No additions or corrections were made to the minutes, the Board moved and seconded to approve the minutes as presented. The Board moved and seconded to approve the financial reports.

Acres will be performing a spring cleanup of the entire subdivision with in the next few weeks, picking up all winter trash now exposed. The Board will hold the annual Spring Walk sometime in early May.

Remaining dates May 5, July 4 cancelled , September 5 and November 7. Per Newbury Village Rules and Regulations, vehicles not moved for plowing can be towed immediately at your expense. Barton creek sewer repair.

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