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The
objective of baccarat is for the players to correctly guess which
of three possible propositions will win on the next round: Bank,
Player, or Tie. Two cards are dealt to the Bank hand and two cards
are dealt to the Player hand. Sometimes a third card is dealt to
either or both hands. Whichever hand is closest to nine is the winner.
The game is usually dealt from a six- or eight-deck shoe. All tens,
jacks, queens and kings equal zero. The ace equals one. All the
other cards equal their face value. Thus a nine equals nine, a two
equals two and so forth.
After
the Bank and Player hands have received two cards it is possible
that either or both might need to draw an extra card. The rules
for drawing cards are predetermined and essentially irrelevant since
the players do not get to make any decisions. Regardless of whether
a card is drawn, at the end of the deal, the hand that totals nine
or closest to nine wins.
A winning
Player hand is paid off at one to one. Thus, if you bet ten dollars,
you win ten dollars. A winning Bank hand is paid off at .95 to one.
This means that if you bet ten dollars, you win $9.50.
Another
way to look at the Bank wager is to consider it a one-to-one payout
minus a five percent commission on winning bets. This commission
is collected after the shoe is finished.
The
Tie hand is paid at eight to one. Thus a winning tie bet of $10
will return $80. If you bet on either Bank or Player and the Tie
wins, you do not lose your bet. It is a push.
The
Tie bet has a 14.1 percent edge in favor of the casino. The house
has a 1.36 percent edge on the Player bet and a 1.17 percent edge
on the Bank bet when the bank charges a five
percent commission.
Baccarat
Winning Systems
Choose
which hand you choose to play, the player's hand (pays 1:1), the
banker's hand (pays 1:1 less a 5% house commission), or a tie (pays
8:1). The player and the banker then receive 2 cards each. The object
of the game is to attain a total as close to 9 as possible. Aces
are worth 1, face care and tens are worth 0 the remaining cards
are worth their face value. If the total of the hand exceeds nine,
the value of the right digit is taken. For example, a 9 and a 6
(15) would equate to 5.
The
rest of each round is dictated by the following rules:
If either the player's or the banker's hand totals 8 or 9, neither
player receives a third card and the hand closest to nine wins.
If the player stands, the banker will also hit on a total of 5 or
less and will stand on a total of 6 or more.
If either the player's or the banker's hand totals 8 or 9, neither
player receives a third card and the hand closest to nine wins.
The player's hand will always hit on a total of 5 or less and will
stand on 6 or higher.
If the player stands, the banker will also hit on a total of 5 or
less and will stand on a total of 6 or more.
If the player takes a third card, the banker proceeds based on the
following table. The banker's response is based on the player's
third card.
If the hand ends up tied, the tie bet pays 9:1 and all other bets
are pushed back.
The
drawing of cards in baccarat is purely a matter of chance. Any tips
that you get for this part of the game will be bogus. In fact the
better side is pure chance as well, a novice has the same chance
as an experienced player.
The
best tips we can give you then are the odds so you can keep these
in mind when you're on a roll or starting to bet.
If
you want to bet on the player hand just put your money in the area
marked "player". A will get you $1 for every $1 you bet.
The casino advantage on the player bet is about 1.36%
If
you want to bet on the banker hand, place your bet in the area marked
"banker". If you win, you will get even more money as
well, but you'll have to pay a 5% commission on the amount you win.
So, if you won $10 on your bet, you would owe a $.50 commission
to the house. The 5% commission is only required if you win and
not if you loose. The dealer will keep track of the amount you owe
by putting equal amount in a small area on the table that corresponds
to your seat number at the table. So, if you're sitting at seat
#3 and won $10 on the bank hand, the dealer would pay you $10 and
the put $.50 in the #3 box. This lets him know how much you owe
the casino in commissions and when you get up to leave the table
you'll have to pay the dealer whatever amount is in that box. After
adjusting for that 5% commission the casino advantage on the banker
bet is 1.17%.
Finally,
if you place your bet in the area marked "tie" and if
you win you'll be paid at 8-to-1, or $8 for every $1 you bet. The
big payoff sounds nice but actually this is a terrible bet because
the casino advantage is very high, 14.1% and this bet should never
be made unless you feel extraordinarily lucky. Still, sometimes
you just have to take the big risks to net the big wins.
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