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Reaching out to elders is extremely difficult. Charlie Nelson, 63, a University history professor for 30 years, took early retirement The slot machines installed at Prairie Meadows Racetrack and Casino in aided in his financial and emotional collapse, he said.

It wasn't until the point of despair - what Nelson calls "near death" - that they sought help. Compulsive gambling affects all age groups but can be especially devastating for older Iowans because of their inability to regenerate income, said Harlan Vogel, who treats problem gamblers in western Iowa.

I can't stay away. It's terrible with me," the 88 year old said, But Weiss estimates that she spends a quarter of her disposable income on lottery tickets.

Roy Kaplan, a Tampa sociologist Experts say 4 percent of the adult population is addicted to gambling.

Indiana has more than , residents age 60 or older. In some cases, a spouse is handling money for the first time, he noted.

She told him her year-old mother had run up gambling debts, and someone was knocking at her door, threatening to break her leg unless she paid them.

He was in financial ruins, he told them, stone-cold broke, so short of cash he couldn't pay his health insurance or the utility bills to light his house.

He sold off family possessions to a secondhand store down the street - old hunting guns, his late wife's jewelry, then furniture.

She daughter sold the family house to pay her father's debts No, no, and no, Millie Slechta said. The substitute teaching would not be allowed to get in the way of the gambling.

She Stephens, the state's problem gambling programs administrator said it's important to aim efforts at older people because more of them are on fixed incomes and more vulnerable to financial devastation.

Earl Kessler, 67, of St. Louis, told commissioners he was a compulsive gambler, He said before casinos moved into Missouri, his gambling seemed to be under control, But, he said, when casino boats opened in Missouri in , his gambling got out of hand.

The high visibility makes it difficult for compulsive gamblers to stay out of casinos, he said. Gambling is more accessible than ever before and it is often marketed toward older people.

But for many older people living on fixed incomes, gambling losses can significantly affect their standard of living. The immaculate new casinos are Las Vegas at a slower pace.

Daytime crowds tends to be older -- retirees on day trips. But he finds enough entertainment in bingo to keep him going and keep life interesting even after retirement.

They Barb and Rich had arrived at the Charles Town Races and Slots casino the previous morning at 7 and got stuck trying to win the jackpot from this particular machine.

By the time the slot machine automatically shut off at closing time, 3: So they drove up the road to a shopping mall parking lot, slept in their Ford Explorer for three hours and then went right back to that dark and smoky corner of the sprawling complex filled with 2, slots, But by the second day, Barbara 52 was feeling fairly drained as she went to look for more cash shortly before noon.

Other than the meatball sub at a Sheetz gas station convenience store at 4 a. Sorry, she was told; she'd maxed out her cash advances.

I'm stupid," she said. Barbara was becoming despondent. Now, they keep blankets in the car in case they need to stay overnight, something they've done nearly a dozen times.

They try to set a budget, but they never stick to it. But they both want to end this life, mesmerized by the spin of electronic fruit and sea creatures.

He was locked in a steady losing streak Wednesday, but unfazed by his vanishing quarters. Thompson, University of Nevada described the typical regular patron as "elderly or poor.

According to one survey, persons 65 years old and older may be twice as likely to be problem gamblers as younger casino customers.

University of Nebraska, told a conference here that he had surveyed persons 65 and older and discovered that up to 11 percent of them showed sisgns associated with problem gamblers.

McNeilly's study is anywhere near accurate, senior citizens are at far greater risk. A study done for Harrah's Entertainment in reported that 22 percent of them are elderly, that's McNeilly is correct, that number could be as large as 3 million.

But statistics aside, one trip to a casino is enough to demonstrate how popular gambling is with older Americans. The industry markets heavily to senior citizens, with special discounts on meals and other promotions, including free bus service from senior centers and retirement homes.

Finally, as men and women got older, they both increased the proportion of income that they gambled. This effect was more pronounced in women.

AP - When state police viewed the surveillance videotape of an elderly man accused of robbing a local bank, they knew where to look for the suspect - Turning Stone Casino.

That is where they found John Ludwig, 72, last fall following a robbery at a Burger King in Oneonta, and that is where they picked him up Monday afternoon.

He targeted clients for hundreds of thousands of dollars in financial scams, gambled away the money on riverboats, and then abandoned his wife and three children.

An attractive, well-dressed, articulate woman, when she was younger she gambled a little at backgammon and went to Reno once a year -- not often enough to cultivate an addiction.

I lost my pride, my self-esteem, my health, my ambition. A proud grandmother who was happily married and who had hordes of friends.

But in the summer of , she began making plans to die. A five-page, handwritten note to her husband, Pat, revealed the secret she had long hidden: She was a compulsive gambler.

The suicide of Phyllis Kruer offers a tragic, if extreme, example of the human devastation that lies beneath the national statistics documenting the rise of compulsive gambling in recent years.

He husband later found out that his wife gambled at the Caesars Indiana riverboat casino Despite a successful real-estate job, she hid a mounting pile of debt.

She also had arranged a second mortgage on the couple's home and 15 acres that Pat Kruer had kept in his name after their marriage, he said.

The blood runs in skinny, dark rivulets over her palms. It's moving too slowly. She didn't cut deep enough. She cashed and gambled them away. There was a string of arrests, four or five.

She began playing at Foxwoods in The casino was only about a half-hour drive from the family beach house in Matanuck. So she began visiting the casino with friends more frequently, sometimes pulling "all-nighters" when she would play the slots from 5 p.

Alone in Rhode Island, she kept gambling. She still needed money, so she began taking John's blank checks. He would find out through his monthly bank statements.

Then she started hitting the neighbors. I was always going to win and pay it all back. Then in , she spiraled out of control, racking up five arrests over an eight-month period.

The charges were mostly larceny and forgery. She stole blank checks from neighbors, from John's uncle, from her mother. She stole her grandchildren's savings bonds and business payment checks made out to John.

This time she was going to hang herself. All Of That Is Gone. He identified the couple as a year-old woman and a year-old man from St.

She still faces counts of theft in a Jefferson County, Ky. He is serving a month sentence in the federal prison at Manchester, Ky.

Norris, a former window clerk at the Gardiner Lane post office in Louisville, said he gambled frequently at the Caesars casino, according to court records.

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