Here at Gambling Review, we always urge you to gamble responsibly. I have said more times than I can count that you should never gamble money that you can’t afford to lose. Perhaps I should be more specific. That does not mean you should steal money from other people to gamble with. That’s exactly what a slimeball insurance broker named Daniel Trolaro did, according to authorities.

Trolaro used to work as a insurance broker for Prudential Insurance Company of America. Aside from his day job, he enjoys playing games at online casinos, but figured he would enjoy them a lot more if he could somehow spend someone else’s money instead of his own. The genius then decided to defraud nine of his clients, stealing approximately $1.9 million, and use that money at the online casinos.

A New Jersey grand jury indicted Trolaro on one count of first-degree financial facilitation of criminal activity – in this case, money laundering, eight counts of second-degree theft by failure to make required disposition of property, and two counts of third-degree theft by failure to make required disposition of property.

According to the indictment, Trolaro bilked nine of his clients out of sums ranging from $46,000 to $910,000 from June 2008 until February of this year. At that time, an internal investigation by Prudential uncovered his wrongdoing and Trolaro was fired. Prudential then referred the matter to state authorities. According to a Prudential spokesman, Trolaro “misappropriated multiple clients’ funds withdrawn from their checking accounts, savings accounts, annuity contracts and/or brokerage accounts for his own benefit and borrowed money from several clients without firm approval.”

The good news is that I haven’t heard anyone use the “gambling addiction” excuse yet. “Oh, he has a gambling problem. That’s why he had to steal from his clients!” Though there are people with gambling problems, more often than not it’s simply a convenient excuse. In this case, like in many, greed, stupidity and selfishness seemed to be the largest factors at play – not gambling addiction.

Online gambling is becoming more popular in Greece, or so says an online gambling website, onlinegamblingpal.com. According to the source, you can tell that online gambling is becoming more popular there due to the large number of Greeks who are reporting winning money at online casinos right now.

Okay, or I guess that could be a coincidence. It gets worse, though. Here is an actual quote from the website: “The southeastern country is currently facing major financial problems, which could be solved by playing at online casinos.”

Really? So Greece is in the middle of a financial meltdown due to irresponsible spending and the solution is to gamble? That seems a little odd. Unemployment in Greece is ridiculous, though that is partly because so many people there would rather not work and simply make money off of government assistance programs. Recent austerity measures imposed by the EU, however, have led to rioting in the streets by communists, unions and other radicals. And while those people are burning cars, throwing rocks at police and marching on government lawns, your friends at onlinegamblingpal.com want you to think that the solution, if you’re Greek, is to take all of your money and spend it at an online casino in the hopes of doubling your cash or better.

It doesn’t take a genius to know that’s a bad strategy. In fact, it is the exact opposite of what I propose almost every day on this website: Never spend money that you can’t afford to lose. If you are hurting for money and need a quick buck, the casino is not an answer, because it is more likely to take your money than give you some.

Of course I support online gambling and I think it can be a very enjoyable activity if done responsibly. The key is the word “responsibly.” There are some websites out there – and onlinegamblingpal.com seems to be one of them – who don’t care about that and just want to encourage you to spend, spend spend. I’m not like them. If you don’t have enough money right now then go to your favorite online casino and play the free games. You can play the same games for free using fake money. Just keep your credit card in your wallet and enjoy the fun games. Hopefully soon you’ll be in a better financial situation and can go back to playing real-money games.

We have a nominee for 2010 Son of the Year: His name is Richard Stone and he is charged with 22 counts of theft and 21 counts of criminal treatments. The victim of all 43 alleged crimes? His mother.

Stone, a resident of Portland, Oregon, took control of his mother’s finances in 2006 after she was diagnosed with dementia and moved to an assisted living home. Nothing is unusual about that. Anyone diagnosed with dementia usually either gives up control of their finances completely or has to have a designated family member co-sign any financial transaction. What is abnormal, or at least I hope, it what happened next.

According to the district attorney, Stone decided to use his mother’s finances for something much more fun and interesting than paying her medical bills. He took them to casinos and gambled with it instead. With no one there to pay for her thousands of dollars in medical bills, the state of Oregon picked up the tab. That means if you are reading this and live in Oregon, you paid for the medical bills of this man’s mother so he could have some fun at a casino.

Yup, that’s right, and it gets worse. According to the DA, Stone sold his mother’s home and received a check for more than $120,000. Somehow, though, it slipped his mind to report that sale. You see, if the state knew about it, they would have said something along the line of “Hey, it looks like you can afford to pay her bills instead of the taxpayers.” But he didn’t report the sale because that meant more gambling money. Woo hoo!

Stone pleaded not guilty yesterday to the charges and will appear in court next week. Of course we here at Gambling Review view the scumbag as innocent until proven guilty. That’s why I used words like “allegedly,” because I would hate to slander the cretin.

There are a number of points to make here, such as not gambling with someone else’s money, not gambling with money you can’t afford to lose, not committing crimes and whatnot, but I think all of that goes without saying. Instead, I will just say this:

If I remember to (which is a big if), I will give out both a Man of the Year (or Woman) and a Son of the Year (or Daughter) at the end of 2010. You can bet that Richard Stone is currently in consideration for both awards.

“I understand that America is a mess right now. Unemployment and the economy are in a dismal state. It is my number one priority to solve these problems and fix the economy. But people, don’t spend money! Save it! Stuff it under your mattress! Keep it away from the greedy banks and don’t spend it on frivolous things! Hoard your money because you’re going to need it!”

Obviously, saying something like that would be terrible for the economy and is the exact opposite of what the country needs. It’s also a loose paraphrase of the words of President Barack Obama. Throughout his year in the White House and even before, Obama has made it clear that he’s not a fan of capitalism, taking every opportunity to portray businesses as greedy, people as being in need of handouts, and the government being responsible for taking care of the people. That would be fine, except that he is the president of a country that has a Representative Republic system of government and a capitalist form of economy. His attitudes are not only counterproductive, but also downright dangerous for both.

The most recent of many examples of this is Obama’s criticism of Las Vegas and people who visit the city. Obama recently said that people saving money for college shouldn’t waste their money on gambling in Vegas. Last February, he made a similar remark about companies that received TARP funds, saying that it was irresponsible for them to take trips to the Sin City.

It’s no surprise that an anti-capitalist wouldn’t realize that trips to conferences and junkets in places like Las Vegas are an important part of the process of obtaining and retaining clients. But at least in that case he was criticizing the spending of money by companies that had received money from taxpayers. In his recent comments, he criticized private citizens for spending their own money.

Lawmakers and businessmen in Vegas are understandably furious and many have vowed to support whoever runs against Obama in 2012. They recognize that his comments and policies are bad for Las Vegas, the state of Nevada, and the country as a whole.

While the entire country has a dismal unemployment rate of 10% — you know, the catastrophic number that Obama said we would reach if he didn’t get to pass his “stimulus” bill – Nevada is even worse, at 13%. You should also note that both are conservative estimates that don’t count people with part-time jobs, those who have given up looking for work, and those who work on a temporary project. And with unemployment that bad and Nevada’s tourism industry struggling, the President of the United States, the most powerful man in the country (with the exception of George Soros and Al Gore), is telling people not to visit Las Vegas and not to spend money in their casinos, which just so happens to be the biggest industry they have in the state. Real responsible, Mr. President.

People of the United States and the rest of the world, spend your money as you see fit. You should of course be responsible, but if you have the disposable income to take a vacation, I can think of no place better than Vegas. Of course, as I’ve said countless times, you should never wager money that you can’t afford to lose, but if you can afford to lose it, Las Vegas would be happy to have it.

Professional athletes are rich and spoiled. If there’s one thing they like more than making a ton of money, it’s flaunting that money. That can include buying a new stretch Hummer limo made entirely of 24-karat gold, residing in a house that rivals Charles Foster Kane’s Xanadu, or just going around in strip clubs throwing $100 bills at people. Oftentimes it also includes gambling.

The Gilbert Arenas story has once again linked gambling with professional athletes. Many teams, in response, have banned their players from gambling. Instead, it seems like they shouldn’t hire athletes that they can’t trust to play a friendly game and not end up pointing guns at each other (if that even happened). The reports of what happened keep changing, with the most recent version I heard being that it was all a misunderstanding and that they were joking around about shooting each other over a gambling debt. Maybe teams shouldn’t hire athletes who don’t know that you shouldn’t joke about gun violence while wielding loaded guns. Just thinking out loud here…

There are people out there that are going to blame the situation, which resulted in the indefinite suspension of the superstar guard, on gambling. They will say that if you don’t let the players gamble, these things won’t happen. These are the same people who think whenever someone is shot and killed it is the fault of the gun instead of the shooter. Both arguments have the same problem (well, then anti-gun argument has a lot of problems): It ignores individual responsibility.

We at Gambling Review have always said that people need to gamble responsibly. That means to never bet money you can’t afford to lose, never bet money that would lead to you owing someone, always pay off your bets (to avoid gambling debt), and treat it like a fun game. If you’re not having fun, to the point where you feel like bringing guns into the mix, then you shouldn’t be doing it. Banning athletes from gambling won’t keep them out of trouble, unless you also ban them from drinking, driving, going to strip clubs, going to dance clubs, bachelor parties, and whatever else they like to do for fun.

The point is this: Professional athletes need to be responsible, just like everybody else. Some say they are wrong to throw their money away by gambling it rather than donating it to a charity. Maybe. If so, though, isn’t spending money on anything nonessential irresponsible? Is it irresponsible to buy a big high-definition TV? You don’t need TV at all and even if you want to watch television, there are cheaper sets out there. What about a new car? There are plenty of clunkers out there that you could buy for less (except those destroyed by the government). Why waste money on a house when there are plenty of cheap trailers out there? Why go to Disney World when you can have fun skipping stones across a pond?

Yes, I know that there is a line out there where wasting money is wrong. Why should Michael Jordan bet $1 million on a golf hole while impoverished children in the Chicago slums can’t afford to wear his Nike sneakers? Be that as it may, a person has a right to use their money as they choose. If you want to satisfy both urges, the urge to gamble and the urge to help people, there are lots of charity gambling tournaments out there. I think hitting those is a great idea for millionaire athletes with plenty of money to spend.