Card Total

You begin by placing a bet on the table. You will then receive two cards face up. The dealer will receive one card face up and one face down. The down card is called the "hole card" and will remain face down until you have completed your play.

If the dealer up card is an Ace, the insurance option will be offered. You may accept or decline this offer (see Insurance for details.) The dealer will then check for Blackjack (if the dealer's up-card is a 10-value card, the dealer hand will be checked without revealing the hole card.) If the dealer has Blackjack, play ends and your wager is lost, unless your hand also contains a Blackjack (resulting in a "push" or tie)

If there is no dealer Blackjack and you have a Blackjack, the dealer will not take any hits. You automatically win US$1.50 for every US$1 of your original wager.

If no Blackjack is present, you must decide whether to keep your hand as is ("stand"), or take additional cards in an attempt to increase the value of your hand. The decision to take an additional card is called a "hit" or a "draw." There is no limit to the number of hits you can take. If you "bust", by going over 21 while taking a hit, you lose and play is over. When you are done taking hits, you must "stand" and await the results of the dealer's hand.

Now it is the dealer's turn. First, the "hole card" will be revealed. If the dealer's hand totals 17 to 20, the dealer must stand. If the value is 16 or less, the dealer must take hits until the value of the hand is 17 or higher. If the dealer "busts" while taking additional cards, the dealer hand automatically loses.

If the value of your hand is closer to 21 than that of the dealer, you win an amount equal to your original bet. If the dealer's hand is better, you lose your bet. If the hands are of equal value the deal is a push and your money is returned.

After each game has been played, the used cards are shuffled back into the deck.

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Tip #1: The one card placed faceup on the table indicates how many cards the dealer will burn. If the card turned up is a four of clubs, the dealer will burn four cards. Tip #2: In baccarat, the casino takes a commission whenever a player wins a bet placed on the banker side. This is because betting on the banker has an inherent 1.06 percent advantage. Bets are paid at 0.95-to-1. Tip #3: Twos through nines are counted at face value; tens and all jacks, queens and kings count as zero; and aces count as one. Suit is irrelevant in baccarat. Tip #4: First and third cards are dealt to the player. Second and fourth cards are dealt to the banker. Tip #5: For any total over nine, only the last digit is taken - for example, a total composed of a six of clubs and a six of diamonds is two. If either the player or the banker has a total of eight or nine, it's called a "natural" and automatically wins - unless the other hand also has a natural, in which case the two hands tie. Tip #6: If the player holds a total of less than six or seven, the player draws. Tip #7: With a total from zero to two the bank always draws; with a total of seven the bank always stands; with a total of three the bank draws, unless the player drew and its third card was an eight; with a total of four the bank draws, unless the player drew and its third card was an eight, nine or ace; with a five the bank draws, unless the player drew a third card outside the range of four through seven; with a six the bank stands, unless the player drew a third card of either a six or a seven.

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• Pair of Jacks or Better - Pair of Jacks, Queens, Kings or Aces. Achieveing this will return whatever you have bet.
• Two Pairs - A hand that contains two pairs such as two 3's and two 7's. Achieving this pays double your bet.
• Three Of A Kind - Three cards that are the same numberwise. Achieving this pays 3X your bet.
• Straight - All 5 cards consecutive but not in the same suit. For example, 5, 6, 7, 8, 9. Achieving this pays 3X your bet.
• Flush - Any 5 cards of the same suit, the numbers do not matter. Achieving this pays 5 to 6X your bet.
• Full House - Two cards of the same value and three cards of the same value such as 7, 7, Queen, Queen, Queen. Achieving this pays 6-9X your bet.
• Four Of A Kind - Four cards of the same numerical value such as four 10's. Achieving this pays 25X your bet.
• Straight Flush - Five cards of the same suit in numerical order such as 5, 6, 7, 8, 9 of hearts. Achieving this pays 50X your bet.
• Royal Flush - Five cards of the same suit, MUST be 10, Jack, Queen, King, Ace. Achieving this pays 250X your bet if you bet 1 to 4 coins and 4000X your bet if you bet 5 coins.

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Online roulette is an interesting proposition, one worth considering separately from good old casino roulette. Most pages discussing online roulette, or online gambling of any kind, focus on the effect of being taken out of the casino. This is worth noting because at home you have complete control over your surroundings. Online roulette lets you play without all of the noise and commotion of the casino. This enables you to take as much time as you need to think about your bets, consult outside resources, phone a friend, anything! Roulette isn't like blackjack though, where checking a basic strategy chart is a faux pas in the casino but easy from home. So what are the advantages for online roulette? Well, you're not going to find any biased wheels out there (well, actually you might, there are lots of bad programmers in the world, maybe one of them made a roulette game for an online casino at some point) You can, however, easily find yourself a single zero roulette wheel. A number of online casinos offer European roulette wheels so those of us who reside across the big pond can also enjoy the drop in house edge. Anyone interested in playing roulette online is usually curious about the odds. Are the odds at an online casino fair? Are they the same as Vegas? Who determines the odds? Classically, roulette is completely random. There are little pegs and obstructions strewn around the wheel in an effort to have the ball bounce around a good bit before coming to rest. This randomness can be comforting to the gambler as it provides some security that you are not likely going to be ripped off. You can lose this feeling pretty easily with digital games like video slots and video poker machines, and yes, with online roulette. If this makes you uneasy about venturing online, check out some forums on online gambling and talk to some roulette players. I myself have won more than once playing online, so I can assure you it is entirely possible. Although it may not be possible to determine the exact odds that an online casino offers, you can always call and ask. Check to ensure the online casino is licensed by a licensing board (most are, but its nice to be sure), and then check to see how strict that licensing board is. The quality of the online roulette games you find at an Internet casino is comparable to our

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The actual origin of baccarat is lost in history, however some historians claim that there is no reliable record of the game before the middle of the nineteenth century, and the game originated in Italy. The game is thought to be a spin-off of the French game vingt-et-un (twenty-one), the game we know as blackjack. It is similar in that the goal is to get as close as possible to a set number without exceeding it. Baccarat differs from blackjack in several ways:

  1. The total aimed at is nine rather than twenty one.
  2. If the total is exceeded the player doesn't automatically lose. Rather, the total cycles around a base of 10, so that if the total is greater than 9, 10 is subtracted from the total to obtain a number between 0 and 9. For example if the hand contains an 8 and a 5 the total of 13 has 10 subtracted from it and it is treated as a 3.
  3. The 10, Jack, Queen, and King have a value of 0 (10 minus 10 = 0)
  4. The ace has only one value; 1.
  5. The decision to pull another card is determined by a fixed set of rules, and is not left to the players judgment (in most versions)
In Europe chips are used to place wagers, while in North America they often use real money for betting. (This is thought to make the game more exciting.)There are three present-day games that are essentially the same and sometimes all thought of as baccarat. They are:
  1. Chemin de fer : This game is played in some European casinos, but is not played in the U.K. and North America. The goal is the same (to get as close to 9 as possible) but the rules allow a few conditions where drawing a card is optional. The casino doesn't play the role of banker, the players bet against each other, the players take turns being the banker-dealer (the option may be declined, and it then passes to the next player to the right) the house takes a standard cut out of the player banker's winning coup.
  2. Baccarat : This game is the only game played in the U.K. and North America. The goal is the same (to get as close to 9 as possible) however the game is strictly mechanical with formal rules dictating every aspect of play. The house banks the game, thus the bets can be much larger than when another player is acting as the bank, also with the house assuming the role of banker the game can be played with as few as one player (in chemin de fer you have to wait for additional players before the game can start)
  3. Mini-baccarat : A new version of the game. The game is played at a blackjack sized table with up to seven players. The rules are the same as for the full version of baccarat, however to speed up the game the players don't touch the cards they are dealt by the casino dealer. The stakes are much lower for this game than the full version, this plus the less formal atmosphere make this version appeal to many players.

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