EZ Baccarat is a popular version of the traditional game of baccarat with one significant change: the player-annoying 5% commission charged to players when they win a Bank Hand wager is eliminated.

In land-based casinos, the game is played on a table the size of a blackjack table with up to six or seven players with a casino dealer dealing the cards. EZ Baccarat can also be played in online casinos.

In this article, you will learn:

• How to play EZ Baccarat
• How the 5% commission is eliminated
• The third-card drawing rules
• The house edge
• The two optional side bets
• Several advanced playing techniques for the side bets

Content

Objective of the Game

Regardless of the number of players, only two hands are dealt. One is known as the Bank Hand and the other the Player Hand. Before the cards are dealt, each player can place a wager on which hand comes closest to a total of 9. You can wager on:

Card Values

Every card has a numerical value and suits have no relevance.

• 2s through 9s have a value equal to their face value
• Tens and picture cards (Jack, Queen, King) have a value of 0
• Aces have a value of 1

The highest total you can have for either hand is 9. If the numerical total of the cards in a hand exceeds a total of 9, then you can do either of the following to arrive at the adjusted total:

• Drop the first digit of the sum
• Subtract 10 from the total

Examples:

8+8 = 16 or 6

4+9 = 13 or 3

Note: Unlike blackjack, where you bust if your hand totals greater than 21, in EZ Baccarat you can never bust.

 

 

Payoffs

• All winning wagers on the Player Hand are paid at even money. For example, if you wager $10, you receive $10 in winnings.
• All winning bets on the Bank Hand are paid at even money with one important exception: A three-card winning Bank Hand with a total of 7 is a push (meaning, the Bank Hand neither wins nor losses).
• All winning wagers on the Tie are usually paid at 8 to 1 (some casinos pay 9 for 1, which is the same as 8 to 1). 

Third Card Rules

In EZ Baccarat, and in traditional baccarat, either or both hands could draw a third card. Remember, the maximum number of cards per hand is three.

The dealer, not the players, determines if one or both hands require a third-card draw based on standard house rules. It is not necessary to memorize the third-card rules, but you will enjoy the game more if you have some familiarity with them.

For completeness, I’ve summarized the third-card draw rules for both hands in Appendix 1. Just keep in mind that it’s not necessary to memorize these rules.

House Edge

The following are the house advantages per hand played. 

• Bank Hand: 1.02%
• Player Hand: 1.24%
• Tie: 14.36%

Side Bets

EZ Baccarat has two optional side bets, Dragon 7 and Panda 8

Dragon 7

This is promoted as an insurance bet in the event the three-card Bank Hand totals 7 and beats the Player Hand. If you remember, the reason EZ Baccarat eliminates the 5% commission on winning Bank Hand bets is because of this one rule change:

• A three-card winning Bank Hand with a total of 7 is a push.

A winning Dragon 7 side bet is paid at 40-1 payout odds. Therefore, if you wager on the Bank Hand and the Dragon 7 side bet and the Bank Hand wins with a three-card total of 7, your wager on the Bank Hand pushes, and your wager on the Dragon 7 side bet is paid off at 40-1.  The house advantage is a hefty 7.61%.

Panda 8

This optional side bet wins when a three-card Player Hand totals 8. The payoff is 25 to 1, and the house advantage is 10.19%.

For those that are interested in learning about card counting the above two side bets, I recommend you read my friend and fellow 888casino contributing writer Eliot Jacobson’s articles on this subject. One was published on the 888casino blog, and several others on the Wizard of Odds site.

Advantages and Disadvantages of Playing EZ Baccarat

Advantages

• The 5% commission on Bank Hand wins is eliminated.
• The House Advantage on the Bank Hand is slightly lower than it is in a traditional baccarat game.
• The minimum betting requirements are usually lower than traditional baccarat.
• There is a possibility to gain a slight advantage betting the side bets by using either card counting or known-carding playing techniques.

Disadvantages

The game plays faster than traditional baccarat, which can expose more of a player’s bankroll to the house edge.

Appendix 1

Player Hand Third-Card Rule

• If the sum of the two cards is 0 to 5, a third card is drawn.
• If the sum is 6, 7, 8, or 9, the hand automatically stands.

Note: The total of the Bank Hand does not affect whether the Player hand must draw or stand. In addition, a total of 8 or 9 is known as a “natural” and when either the Player or Bank Hands total 8 or 9, both hands must stand.

Bank Hand Third-Card Rule

The third-card draw rules for the Bank Hand are slightly more complicated than those for the Player Hand; however, as I mentioned earlier, it is not necessary to memorize these rules since the dealer will decide whether or not to draw a third.

• Bank Hand always draws when the initial two cards total 0, 1, or 2.
• Bank Hand always stands when the initial two cards total 7, 8, or 9.  (When it’s a natural 8 or 9, the Player Hand must also stand.)

When the Bank Hand totals 3, 4, 5, or 6, see the table below for the third-card rule for the Bank Hand.

 

Video poker is among the most popular casino games – both online and in a real casino. This is because the games have a very low house edge. In fact, sometimes the player has an edge.

To gain that edge the player must use the strategy that maximizes his or her return – and must play that strategy perfectly. 

It takes practice to perfectly play video poker strategy and achieve that maximum return. Continue reading for tips on practicing video poker strategy.

Content

1. Choose the Proper Game

Strategy Complexity:

• Each specific video poker game and pay table combination determines the playing strategy. Some games and pay table combinations have a fairly simple strategy (i.e., fewer lines). Other games and pay table combinations can be much more complex (i.e., many more lines).
• The simpler the strategy, the easier it is to learn and play that strategy perfectly. 
• The complexity of the strategy is a consideration whether you are a beginner, intermediate, or advanced player. The more complex the strategy, the more difficult it is to learn and play perfectly. If the strategy is not played perfectly, the player is giving the house more than necessary.

Game Popularity:

2. Choose the Proper Practice Tools

Strategy Charts

• A strategy chart is simply a list of the specific cards to hold (if any) from the initially dealt hand starting with the most favorable.
• Charts can be found in books, online, and in computer- and smartphone-based video poker apps.
• They are generally free and can usually be copied without cost.

Online, Computer- and Smartphone-Based Video Poker Apps

3. Properly Use the Practice Tools

Strategy Charts

• First, the strategy chart for the game and pay table to be played should be studied and memorized as well as possible. This should be done even if you are using an app for practice.
• Next, one or more decks of cards are used to check the players mastery of the strategy chart.
  • The cards are shuffled and hands are dealt.
  • After each hand, the player checks the strategy chart to make sure the proper hold was made.
  • Don’t worry about betting or whether the hand wins or loses.
  • If a mistake is made, the player should make a note of what happened for future reference. This will also help him remember the hand that caused the error.
• After several times shuffling and dealing all the cards, the player will feel confident about most hands, and will only need to reference the strategy chart for a few of the less common hands.

Online, Computer- and Smartphone-Based Practice

• Select the proper game and pay table or modify an existing game’s pay table to match the game and pay table that will be used in live play.
• Don’t worry about the amount bet, whether the hand wins or loses, or the total credits remaining.
• Deal hands and choose which card or cards to hold.
• If the app shows an error was made, make a note of the error for future reference, and to help remember the error the next time this hand is dealt.

4. Practice in a Proper Setting

Once you are making very few mistakes during practice, it’s time to begin playing in a setting that matches live playing conditions.

Develop a Good Level of Proficiency

• Before worrying about the practice setting, develop a good level of proficiency. For example, fewer than two errors per 100 hands.
• Your proficiency will suffer some in a simulated live setting. This is normal.

Simulate a Live Playing Setting

5. Practice Until You Get It (Nearly) Perfect

• Continue your practice sessions with conditions closely matching your live play setting until you make nearly no mistakes. Nobody is always perfect.
• If your play continues to be nearly perfect (less than one error per 100 hands or so) during the entire planned live session, you are probably ready for the real thing.
• You will start making more mistakes as your sessions continue. Make a note of when this starts to happen. Consider ending live sessions at a similar session length. No sense giving the house more than necessary.
• Be mindful that there will be additional distractions during live play such as drinking, people interrupting you, etc.

6. Online Versus Casino Play

Online play is much less stressful than live casino play.

Online Play:

• You control your surroundings.
• You can play when you are at your peak.
• There is no stress when looking at a strategy chart while playing online.
• There is no need to stay at the game. You can grab a snack or beverage and return when you are ready without the fear of someone grabbing your machine.
• Your practice sessions and online play will most likely be very similar.

Live Casino Play:

7. Maintain Control During Live Play

To gain the maximum advantage, you must play in conditions that are as close as possible to your practice sessions. Or you can make your practice sessions match your live sessions as closely as possible.

The biggest problem with most video poker players is loss of control during live play.

Online Sessions:

Fortunately, online live play is very similar to practice sessions. The only real difference is you are playing for real money.

To counter that:

• When practicing, bet as if it’s real money. Watch your credit balance.
• Make practice sessions last about as long as your live sessions. 

Casino Live Play:

While practice sessions can include some distractions, nothing at home can actually match a live casino.

You can pretend that the money bet during practice sessions is real. That will help. But most of the control needs to happen in the casino.

• Try to not let other players bother you. Easy to say, hard to do.
• Notice when you are making more mistakes and stop playing when that happens.
• Stop playing when tired or otherwise not alert.
• Stop playing when you are angry, upset or stressed.

8. Summary

Video poker is a great game mostly due to its low house edge. However, in order to get that edge, you must play perfect strategy. To play perfect strategy, you must practice. 

The great football coach Vince Lombardi said, “Practice does not make perfect. Only perfect practice makes perfect.”

Perfect practice involves several things:

• Picking the proper game – one with a simple strategy.
• Making sure the practice game is available to play live.
• Having the proper practice tools.
  • Strategy charts
  • Online, computer- or smartphone-based video poker practice apps
• Using these tools to gain the best advantage. This means making practice conditions as close as possible to live playing conditions.
• Practicing until your play is perfect – or very close to it.
• Understanding and making allowances for the differences between practice and live play – either online or in the casino.
• Maintaining your control (and therefore your advantage) during live play.

By following this advice, you will make the most of your online or casino play. Isn’t that what you really want?
 

Updated on May 12, 2025

What is a Street Bet in Roulette?

In the game of roulette, players can cover one or more rows of three consecutive numbers by placing street bet roulette wagers. This strategic bet allows you to cover more numbers with fewer chips, making it an attractive option for both novice and experienced players alike.

Various bets can be made on roulette games. You might be familiar with betting options such as:

• The six outside even money chances that include red and black
• The six 2-to-1 options relating to the dozens and the columns
• The inside betting options displaying a single green zero and numbers 1 to 36

Yet other kinds of betting options can be placed on a roulette layout, namely on the inside grid area. One of those is the street bet, and it's made when one or more chips are placed on top of the outer grid line, normally at the lower end of a row of three consecutive numbers. 

How Does a Roulette Street Bet Work?

Various, not-so-obvious bets can be placed on a roulette table, including the street bet.

Players new to the game of roulette will look at the grid (which forms part of the betting layout on a roulette table) and think about placing bets on top of the numbers within each square. Those are referred to as single-number, straight-up bets with a payout of 35 to 1.

However, what is a street bet in roulette, and how does it differ? A street bet differs in four ways:

1. Your bet will always cover a row of three consecutive numbers (horizontally when viewing the numbers the right way up)
2. Only one chip is used to place a street bet. So, instead of covering three straight-up numbers using three chips, you can cover all three using just one chip, so long as they're in a row of three consecutive numbers
3. The payout for a street bet win is 11 to 1
4. You place one or more chips on the outer grid line, at the end of a lower or higher number, that forms one of the three consecutive numbers in a row. This, then, will be your street bet

Types of Street Bets in Roulette

Standard Street Bet

When making a standard street bet in roulette, 12 possible street bets can be made. They consist of 12 rows of three consecutive numbers, including:

3, 6, 9, 12, 15, 18, 21, 24, 27, 30, 33, 36
2, 5, 8, 11, 14, 17, 20, 23, 26, 29, 32, 35
1, 4, 7, 10, 13, 16, 19, 22, 25, 28, 31, 34
       ^                       ^ 

Example:

• To cover numbers 7-8-9, place one or more chips on the line at the end of 7, which is the lower of the three consecutive numbers.
• To cover numbers 22-23-24, place one or more chips on the line at the end of 22, etc.

Double Street Bet (Six-Line Bet)

A variation of the standard street bet is the double street bet, also known as a six-line bet. This involves placing your chip at the intersection of two adjacent street bets, effectively covering six numbers with one chip. The payout for this bet is 5 to 1.

Split Street Bet

Some players also employ a strategy where they place a bet that essentially splits between two numbers on a street. While not technically a street bet, it's often confused as one. This bet covers two adjacent numbers and pays 17 to 1.

Example:

• Make a street bet on 10-11-12 and place a chip on the line that separates the top number in that row and the adjacent number (12 | 15). The ball would have to land on 10, 11, 12 or 15 for a win.

Practical Example of a Street Bet

Let's say you place a $10 street bet on 13-14-15 in European roulette:

1. You position your chip on the outer grid line at the end of number 13
2. The wheel spins, and the ball lands on 14
3. Since 14 is one of your street bet numbers, you win
4. Your payout is $10 × 11 = $110 in winnings
5. You also get your original $10 stake back, for a total of $120

Had the ball landed on any other number not in your street (13-14-15), you would have lost your $10 stake.

Odds, House Edge and Payouts for Street Bets

Understanding the odds and payouts is crucial when deciding if a street bet roulette strategy is right for you:

• Standard Street Bet: Covers 3 numbers, pays 11 to 1, with a probability of winning at 3/37 (8.11%) on European roulette and 3/38 (7.89%) on American roulette
• House Edge: The house edge on a street bet is 5.26% on American roulette (with double zero) and 2.70% on European roulette
• True Odds: The true odds would be 11.67 to 1 on European roulette, but the casino pays 11 to 1, creating their advantage

Online Roulette Chip Placement

If you're playing online roulette, you'll click or tap your intended street bet, and the game will position your chips. There should be an option to remove your last bet if you make a mistake as well.

Half your chip will appear outside of the outer grid line and half inside the numbered square.

Street Bet Chip Placement Variation

Chip placement depends on how the table layout appears in front of you. If green zero is on your left or your right, street bets could be made on the outer grid line on the end of the lower or higher number of the row of three consecutive street bet numbers. For example:

• If green zero is on the left side of your screen and you want to place a street bet to cover 31-32-33, the correct area is on the outer grid line at the end of 31
• If the green zero is on the right side of your screen, the correct area to place a street bet is on the outer grid line at the end of 33

As a rule, bets are placed on the player's side and not the dealer's side of the table. Though bear in mind, on some online games, the structure of bet placements may vary, given that there may not be a dealer interacting with the chips on a table.

But the rule of thumb is that a street bet is made beside the number of the three numbers that's closest to you. Or if viewing on a computer or mobile device screen, that number will probably be lower down on the screen than the other two numbers.

Street Bet Roulette Tips

Street bets are useful to players because:

• Economical Use of Chips: If you've only got a few chips to play with, you only need to stake one chip to cover three numbers.
• Broader Coverage: By placing several street bets, you're able to cover a wider selection of numbers. For example, four chips make four street bets covering a third of the 36 numbers.
• Balancing Risk and Reward: Street bets offer a middle ground between high-risk straight-up bets and low-risk outside bets.
• Sector Betting: Some players use street bets as part of a sector strategy, covering specific sections of the wheel.
• Progressive Systems: Street bets can be incorporated into progressive betting systems like the Martingale strategy or Fibonacci.

Roulette Street Bet – Final Thoughts

The roulette street bet provides an excellent middle ground between high-risk single-number bets and low-payout outside bets. By understanding how to properly place these wagers and incorporating them into your strategy, you can enjoy a more versatile and potentially rewarding roulette experience!

Whether you're new to the game or a seasoned player, mastering the street bet gives you another valuable tool in your roulette arsenal.

Originally published on August 11, 2021

With apologies to the great psychologist and philosopher William James (1842-1910), author of the famous book The Varieties of Religious Experience: A Study in Human Nature, I think there are a variety of powerful roulette experiences casino players feel. Some for the good and some of them for ill.

Are these roulette feelings of a religious nature? Well, some players will claim they feel warm feelings as they play the game, having nothing to do with drink.

Some say that they feel “out of themselves” or in “another realm.” A few have thought the game of roulette, once they have played for a little while, feels like “another world.”

Dare I actually compare roulette feelings with religious experiences? Does that reference hold any real intellectual water in the world of ideas? I don’t know.

But the varieties of roulette’s emotional experiences are certainly real and often quite powerful. And these experiences aren’t just limited to “Did I win?” or “Did I lose?” the last decision. They seem to have a deeper meaning.

So, is more going on? I think so.  

When a player gets so caught up in a game in a general way as defining him or herself as “I am a roulette player,” or in a particular way, “tonight is a great night,” we know much is flowing through his or her emotional veins.

I believe players’ emotions are the key to playing casino games, or any games for that matter, but the emotions that dig deeper and deeper into the psyche. These make the game something far more than just a game. There might be a separate reality to the experience of the game for such players than for less deeply involved players.

[Please note: I am not just sticking to William James’ list of religious experiences from a roulette angle. In truth I do not think we are dealing with religion here in any way, shape or form. But I do think we are dealing with deep senses. You might find that many of these senses seem similar to meditative states.] 

Table of Contents

The Explosive Experiences

The first and most obvious emotional state while one plays roulette is probably the most upfront expression of one’s inner self. Players want to win and hate to lose. And they often show big reactions to good or bad moments.

When they lose, they might moan, shout words about their discouragement or just sit in a semi-angry or stupefied state. It isn’t too hard to know what they are feeling. They are wearing their emotions on their sleeves so to speak. 

Certainly, roulette can be a leisurely game and many players have developed a relaxed attitude toward certain losing streaks since such are a large part of the game. Players betting on the inside straight-up numbers probably have a losing capacity that doesn’t see them fly somewhat off the handle when they lose sequences in a row.

However, if the losing streak becomes so prolonged that it passes their ability to handle without responding then they will definitely respond. When you play roulette, just look around at all the players and you might be able to read their upcoming explosions starting to show on their faces. A few more losses and boom!

Nancy from Henderson, Nevada, put it well: “I feel almost as if the world has turned against me when I have really long losing streaks. It is almost like I am out of step with the universe. My husband doesn’t feel that; he just gets angry. I get depressed and sad.”

Winning can be even more explosive and deeply felt than losing. 

A direct hit on a single number played directly inside with a 35-to-1 payout can bring immediate and loud shouts of joy. A sequence of such wins, with only a few losses in between these, can create such an excitement in players that they seem supercharged with emotion. 

Johnny explains it this way: “I actually seem to be trembling if I have hit a few numbers in a very short period of time. I am actually trembling a little in these moments. You can see it in my hand when I make my next bets or raise the amount of my current bets. It’s like being possessed by the spirit of goodness. I know that sounds nuts but that’s how I feel.”

The Oceanic Experiences

We are all aware of the emotional experiences of our fellow players as described above but there are more subtle varieties of roulette emotions. These seem to transcend into meditative levels of consciousness.

After sitting at a roulette table, players who enjoy watching the ball spin around the wheel, land, hop, skip, and jump the pockets can get into a mesmeric state. It almost seems as if the roulette wheel is a hypnotic trinket, a rather large one at that. Wins and losses aren’t as important to these players.

Janice explains, “I meditate every day and when I am at the roulette table and I can see the wheel clearly, I feel that I fall into a meditative state as real as the ones I have when I am actually meditating. I am calm and going with the flow of the game.

Dreams and Visions

I am not talking about saints and prophets talking to a divinity here. There is no burning bush or the feeding of the multitudes with several loaves and a few fishes.

I am guessing the next steps that are somewhat deeper than the oceanic experiences have to do with dreams and visions. No, no, not by players who have taken drugs or have had so much alcohol that they can’t tell the difference between ups and downs.

If you are in a relaxed state as the game progresses, you might feel your mind offering you sequences that can be called waking dreams, where time seems to slip away. Images form in your mind that seem similar to the images that form when you are just about to drift off to sleep. 

Sometimes these images seem almost real. You might call them visions.

Can such images be caused by watching the wheel? Does it put you into the proper frame to go deeper inside yourself?

Paulie Q. said, “Maybe after about an hour of play, I really do drift off. It does seem as if I am dreaming. I don’t lose sight of the game, it’s just that the game seems a little far away. As if I am a part of it and I am also not a part of it. Funny. It doesn’t have anything to do with whether I am winning or losing. It is almost like sleep, almost.”

[Please note: The one caveat about this dreaming or visionary state is that the people who have mentioned this to me all watch the wheel during every decision. They are not just looking at the layout. The wheel seems to play a big part of this emotional state.] 

 

 

The Vanishing of the Mathematical Elements of the Game

Roulette is math. All casino games are math. That’s how the casinos beat the players. They have structured their games so that they must, in the end, win the players’ money. 

True the packaging of the games doesn’t look like math. Even roulette, which is a game about numbers and groups of numbers, about colors and such, is really about shorting the payouts on player wins or winning more decisions than the players. 

[Please note: The payout of 35-to-1 on a direct hit on a number is not the true payout in any casino roulette game I have ever seen. In the European game, the payout would be 36-to-1; on the American game, it would be 37-to-1 and on the abominable triple zero wheel (0, 00, 000) the true payout should be 38-to-1. The casinos win more decisions on the even-money bets and the other proposition bets because the player loses when the zeroes appear.]

I am guessing that some players tune out the fact that the casino has a mathematical edge over them and instead fall into reveries about what is to happen, what may happen, what they want to happen and react to that. I sometimes wonder how many players actually know how the casinos create their edges over the players. 

How can players forget that or never learn that? Easy!

Todd from Long Beach, New Jersey, is a roulette aficionado. He knows the game well. Yet, when he plays, “I forget everything I know or have learned about the game. It is almost like the numbers all become magic and the propositions are like trying to cut down stalks of corn or fruits from trees. 

“I play trend bets and I go with groupings that I think will hit. These groups are not on the wheel but merely on the layout. I get caught up in the irrational elements of the game. You can ask me the math. I know the math. But when I play, zip!, the math vanishes and I am in a childish state. Maybe you can call this a primitive state of mind.

“Here is what gets to me: I play as if what I am doing makes sense. And none of it makes sense. I bet more money than I should and I increase my bets without any real reason to do something such as that. I don’t even second guess myself. It is so weird.”

What About Me?

Talking to these players offered me a way of looking at roulette as I had never really done before. Yes, I know that many players have no idea of how the edges are achieved by the casino but that is not a change of thought for them.

It is basically no thought for them. You can certainly play casino games without thinking. 

When I play, I do not go into any kind of reveries or dreams or visions. I don’t get oceanic feelings, nor am I floating in a salty ocean.

Yes, I do get happy when I win and I do get disappointed when I lose. But neither of those feelings is all that strong because my betting is truly contained. I bet against my 401G bank account which is an account where I keep my casino playing money.

But I do watch other players when I play and I do talk to them to find out what they are thinking or not thinking when they play. I find there’s a lot to learn from them.

All the best in and out of the casinos!

Scott “Angry Scott” Robbins had nothing to be mad about when he arrived at Borgata Hotel, Casino & Spa’s check-in desk. 

The poker pro was in Atlantic City, New Jersey, to play a major tournament there. Thanks to a satellite win, he had already parlayed a $400 entry fee into a $3,500 voucher for the next day’s event. 

But things did not go as planned. 

And now Robbins hopes for a payout via a lawsuit against Borgata. He’s asking for $1.25 million, a sum that would eclipse almost every tournament prize on the circuit. (Robbins’ biggest score to date: $130,235, snagged two years ago at a tournament in Hollywood, Florida’s Hard Rock.)

Robbins’ arrival at Borgata took place in the fall of 2018, by which time he had already established himself as a serious full-time professional poker player. At that point, Robbins had won close to $300,000 over just two years. 

And that did not even include cash-game profits. So, with the tournament entry already to his credit, Robbins had good reason to be happy.

Bad Beat Before Taking a Seat

Though Robbins is known for being a bit of a crank at the table – “I have no problem saying something to someone about his body odour or bad breath,” he told 888. “I’ll give someone a piece of gum if I think he has bad breath, and I will tell him why he needs the gum.” He probably was in the mood for a bit of a giggle when he approached the clerk at the check-in desk.

He could not have realised that having some fun would transform into a bad beat before the first pot was dragged off the tournament table. “I crushed the satellite and had a comped room at the Borgata,” explained Robbins. 

“My plan was to check-in, relax, maybe go to the pool, have dinner.”

He might’ve scoped out the cash games had he not gotten played before having the opportunity to ante up. “I walked to the front desk. Six or seven people were taking names and giving out keys,” he remembers. 

“I know their jobs are not satisfying, and I enjoy having a little banter. The woman asked if I would like to have a high floor or a low floor. I said, ‘If I had to jump from a high floor, would I make it?’

“Obviously, it was a joke. The obvious answer would be, ‘You won’t survive out of any floor.’ Instead, she said, ‘No! Don’t do that!’”

Robbins assured her that he wouldn’t. Clearly, he maintains, he was making a joke. 

This Is No Joke…

After using the elevator up to his room, Robbins set down his baggage, laid on the bed, turned on the TV and called down to room service. He wanted a pair of feather pillows. 

Soon after, he heard a knock on the door and figured that maybe it was the requested pillows. 

It wasn’t: “I opened the door, and there were two New Jersey state police officers, three security guards and two paramedics. I asked, ‘What’s going on?’”

• One of the people said he wanted to talk to Robbins. 
• Robbins was asked if everything is okay. 
• Robbins replied that everything is great.
• The poker pro was asked if he was feeling depressed. He answered in the negative. 

A police officer stepped into the room and told Robbins to take his hands out of his pockets. He was asked to explain what happened at the front desk. Robbins recalled to 888 that he retold the story “verbatim” and underscored that he was obviously kidding around.

Awkward Sense of Humour?

The ambulance whisked Robbins to TK Hospital. Once there, he was made to change from his street clothes to a hospital gown. His phone was taken away, and he was told to wait for a psychologist. 

In the meantime, a nurse asked if someone could provide details on Robbins’ mental stability. “I called my best friend Jim, told him the story, and he started laughing hysterically,” recalled Robbins. 

He then put the nurse on the phone with his friend. “The nurse began laughing hysterically as well. But she told me that I had to wait for a doctor.”

Hours later, Robbins received a five-minute-long assessment. According to Robbins, the doctor put his opinion in writing: “Patient suffers from an awkward sense of humour.”

Robbins took an Uber back to the Borgata, figured that everything would be sorted out and found himself in for another surprise. 

It’s Robbin’s Turn to Act

Fast forward to some 21 months later, in the summer of 2020, Robbins was missing out on opportunities to play at the Borgata. He figured that a simple phone call could rectify the misunderstanding. 

Robbins called a security supervisor, connected with the person, and explained who he is. “He said he knows who I am,” Robbins recalled. “I told him what happened. I told him about the doctor’s note. I asked if I could come back to the hotel. 

He said, ‘No. Wait until the end of two years and call me back.’”

Robbins opted to make a different call: To his lawyer. A lawsuit – alleging losses of $85,000 per year in poker winnings (over a 10-year period), a clip of $200,000 in sponsorship profits and false imprisonment – was filed against the Borgata.

For Robbins, it goes beyond not being able to play in the Atlantic City casino. “My reputation is getting dragged through the mud,” he said. “I am getting torn apart on the poker forums, and somebody at a poker table in Maryland was talking about me – while I was at the table.”

If he likened his lawsuit lodged against the Borgata to a Texas Hold’em hand on the river, how would he play it? 

Wanting to be in the game but maybe possessing no tangible read on the impending outcome, Robbins told 888, “I would probably just check-call.”
 

What is the blackjack insurance bet?

This article focuses on the insurance bet in blackjack, specifically:

1. The purpose of the insurance bet
2. When and how to make the bet
3. The odds and payoffs
4. The facts on whether it is a good bet for players

The insurance bet in blackjack seems to confuse most players. They either don’t understand what the bet is all about or, worse, they always make the insurance bet when the dealer offers. This article takes the mystery out of this bet and offers advice on whether you should make it.

Table of Contents

What is the Blackjack Insurance Bet?

After being dealt your initial two cards and the dealer’s up-card is an Ace, the insurance bet comes into play. Before any player can decide on how to play his hand, the dealer will ask the players if they want to make the insurance bet.

Amount You Can Wager and the Payoff

When taking insurance bets, casino rules allow players to wager an amount equal to one-half (or less in some casinos) of the original wager on the hand.

For example, suppose you wager $10, the dealer deals the cards, and her up-card is an Ace. Before any player can act on his hand, the dealer asks players if anyone wants to wager on insurance.

The dealer loudly says “insurance” while pointing his finger on the felt and moving it from left to right in front of all players. Players wanting to make the insurance bet place a $5 chip in the insurance line. (see diagram)

If the dealer has a ten or picture card in the hole, which gives him a blackjack, the insurance wager is paid at 2 to 1 odds. Therefore, in the above example, the $5 insurance bet would win $10. 

Note: In the above example, even though you would win $10 for your insurance bet, your original $10 that you bet on your hand would automatically lose to a dealer’s blackjack.

In the case you also have a blackjack, then it’s a push, meaning you neither win nor lose. Since you won $10 on your insurance wager but lost $10 on the hand, your net is zero.

Why Do Casinos Offer the Insurance Bet?

This insurance side bet was introduced into the game of blackjack to give the perception to players that they can “protect” their hand against a dealer getting a blackjack. It seems logical, however there are a few facts that the casino doesn’t tell you about their insurance bet.

Simple Math of the Insurance Wager

If you were offered an opportunity to wager on a flip of a coin (heads or tails), winning even money if you guess correctly and losing your original bet if you guess wrong, would you play?

What about playing this coin-flip game? You lose your original bet if you guess wrong, and win 95 cents for every dollar you wagered if you guess right.

If you were forced to play one of these two games, which would you choose? I hope you chose game one above and not the second option for this reason: the odds that the outcome of a coin-flip will be either heads or tails are 50-50.

Likewise, the payoff has the same payoff odds, meaning half the time you win even money and half the time you will lose your original bet. So after thousands of coin-flips, you’ll be very close to even, and neither the coin flipper nor the player has an advantage.

However, game two isn’t an even game because you’re being paid less than even money on each winning coin flip – 95 cents instead of $1 per wager. The point of this example is this: a bet becomes disadvantageous to a player when the payoff odds are less than the true odds of winning.
 
With that thought in mind, let’s look at what the odds are of a blackjack dealer having a ten or picture in the hole. For simplicity, I’ll use a single deck of cards for the following example and assume the player bets $1 on insurance.

The ratio of non-tens to tens in a single deck of cards is 36 to 16. There are four tens, four jacks, four queens, and four kings or a total of 16 tens.

After the cards are dealt on the first round, let’s assume that the dealer is showing an ace and asks if you want to take insurance. If we ignore for the moment the composition of the two cards in your hand, then the ratio of non-tens to tens in the unplayed 51 cards is 35 to 16. This means:

• 35 times that we made a $1 insurance bet, we would lose a total of $35 (the times the dealer wouldn’t have a ten in the hole)
• 16 times, he’d have the ten in the hole and we would win – 16 x $2 = $32.

The net loss after making $51 of insurance bets is $3. (Lose $35 and win $32.) 

What About Insuring a Good Hand?

Some players reason that taking insurance on a 20 will help avoid losing money on a good hand should the dealer end up with blackjack. Also, even if the dealer doesn’t have blackjack, she’ll still have a tough time beating a 20. So blackjack insurance makes sense, this thinking goes.

However, the facts are this. Taking insurance when you hold a 20 is an even worse bet than taking insurance when you have a “bad” hand.

What About Taking Insurance if I have a Blackjack Hand?

That is a very good question since if the dealer has an ace up-card when you have a blackjack hand, the dealer will ask if you want “even money.” The latter takes some explanation, which I will do in my next article on “Blackjack Even Money.” Stay tuned and, in the meantime:

• No matter how you look at it, blackjack insurance is a bad bet for a basic strategy player because it has a negative expected value (EV). You’ll lose money in the long run. Avoid making this bet!

One additional note: There are instances when the insurance bet is profitable, specifically, when the remaining decks contain an abundance of ten-value cards. When this occurs, the dealer is more likely to have a ten in the hole.

Card counting is a tool that allows you to know when the abundance of tens occurs. Therefore, the insurance bet can be a profitable bet for card counters. For details on this, consult Chapter 10 in my Ultimate Blackjack Strategy Guide.
 

This article contains:

• Five common mistakes made by video poker players 
• Tips on how to prevent making these mistakes

I recently spent two weeks in Las Vegas and played video poker. Usually when I play, I don’t pay any attention to what adjacent players are doing. However, on this trip I did because I took frequent, short breaks while playing due to a sore hand.

What I observed the players doing nearly blew me away. I’m writing this article based on those observations so you won’t make these mistakes when playing video poker. This article is in reference to those players that were adjacent to me while I was playing video poker.

Table of Contents

Mistake #1 – Game Switching and Short Pay

Most of the players constantly switched from one video poker game to another, presumably to change their luck. The Random Number Generator software program that randomly generates the cards in a video poker machine does so irrespectively of the game you select to play.

You’re not going to get “better” cards when you switch games. Moreover, most players don’t realize that the playing strategy for one video poker game (Jacks or Better for example) is much different from another (such as Deuces Wild).

If you’re going to play video poker, you need to learn a playing strategy for one particular game and be able to implement its strategy accurately when playing.

Additionally, for any specific video poker game, you should only play “full pay” and not the “short pay” version.

Tip: You will know if a particular game is “full pay” by looking at the pay schedule on the machine’s video screen. You can find out what it should be for a particular game by checking the database on vpfree2.com. Click on “video poker” then “pay tables” in the dropdown menu.

The importance of playing a “full pay” version is this: it has the highest theoretical return of all the pay schedules for that game.

Mistake #2 – Not Using a Strategy Card

Not a single player used a strategy card when they played. This always amazes me when I see casino players risking their hard-earned money playing video poker without having a legal strategy card. Players can refer to it when they aren’t sure how to accurately play a particular hand.

Mistake #3 – Playing the Wrong Games

Most video poker machines have several different video poker games. There might be a choice between playing Jacks or Better, Bonus Poker, Double Bonus Poker, and several different Deuces Wild games.

I know from experience that the game with the highest theoretical return on the machines that I was playing was a specific Deuces Wild game known as Not So Ugly Deuces Wild or NSUDW. The game came with a 99.73% theoretical return.

Yet, I never saw anyone playing that game. Instead, they were playing different video poker games on their machines that had a much lower theoretical return. 

Tip: There is a vocabulary used by skilled video poker players to denote full-pay games. For example, the full-pay version of Jacks or Better is known as 9/6 JOB (because it pays 9 coins for a full house and 6 coins for a flush per coin played).

However, you won’t see “9/6 Jacks or Better” on the screen of a video poker machine. Instead, it will only state “Jacks or Better,” and it’s up to the player to look at the pay schedule to know whether it’s full- or short-pay.

Therefore, you must know the pay schedule for a full-pay version of a video poker game you want to play, and which casinos offer it. This information is also available in the vpfree2.com database.

Mistake #4 – Not Maxing Out

I lost track of how many players I saw who were playing less than the maximum of five coins per hand. They were varying their bets between one and five coins, depending on whether they were winning or losing.

What the players didn’t know is that the high return for a full-pay game assumes you are betting the maximum of five coins per hand. If you bet fewer than five coins, your return decreases by roughly 1%.

For example, if you play 9/6 Jacks or Better perfectly, betting five coins per hand, the theoretical return is 99.54%. If you play the same game and bet fewer than five coins, your theoretical return is only 98.37%.

The reason the theoretical return decreases is that players get a bonus payout when hitting a royal flush when betting five coins. The payout for each winning hand is proportional to the number of coins played except for the royal flush.

For the latter, the payout in coins is 250-500-750-1,000 for 1 to 4 coins wagered respectively; however, when you wager the fifth coin, the payout increases to 4,000 coins.

Also, the particular casino I was playing at offered players 0.30% cashback based on their coin-in (total amount wagered). The NSU Deuces Wild game has a return of 99.73% but when factoring in the 0.30% cashback that the casino offers when using a player’s card, the overall return is slightly over 100% (99.73% + 0.30% = 100.03%).

Playing any other game on these machines will not get your overall return over 100%.

Tip: Even though percentage-wise, betting five coins is better than betting fewer than five coins, it’s a different scenario when looking at a player’s theoretical loss. If you play an average of 700 hands per hour on a dollar-denomination, 9/6 JOB game, your theoretical hourly loss is $16.10. (700 times $5 per hand times a house edge equal to 100% minus 99.54%).

If you play the same game, betting only one coin per hand, the theoretical hourly loss is only $3.22. So as a general rule, if the overall return on a game is less than 100% (including the benefits of the casino’s slot club), you’ll lose less money in the long run betting one coin versus five coins in the same denomination game.

Mistake #5 – Skipping the Players Club

I estimate about a dozen players didn’t have a player’s card inserted into their video poker machine. That’s a costly mistake especially when obtaining a player’s card is free.

When you insert your player’s card into a video poker machine, the casino tracks your coin in (the dollar amount of bets made) and how long you play. In turn, the casino rewards you with cashback, free play, bounce-back, and an assortment of comps.

Summary

Don’t make these mistakes when you play video poker:

• Switching between different games in the same session
• Not having a strategy card with you
• Not playing the full-pay version of a game
• Playing fewer than five coins if your overall return is over 100% (including the player’s club benefits),
• Not applying for and using a casino player’s card

WHAT ARE THE PROS AND CONS OF BLACKJACK CARD-COUNTING TEAMS?

This is the sixth, and last, article in a series on card counting. In the previous articles, I covered:

• How casinos catch card counters
• What casinos do if they catch you card counting
• How casinos can get away with tossing out card counters
• How you can get away with card counting
• How aggressive card counting works

This last article focuses on team play, which was popularized via the 2008 movie 21 that popularized the adventures of a team of students from MIT that won millions using this tactic. 

Table of Contents

History

Frank Schipani (the pseudonym for Al Francesco) is widely recognized in blackjack circles as the creator of the concept of forming a team of card counters to attack casinos.

In the 1960s, Francesco was successfully winning money by card counting, but then casinos started banning him from playing. That’s when he devised a new way for a card counter to beat the casinos undetected; namely, playing together on teams.

In the 1970s, his teams traveled to casinos all over the world and won millions. One of the famous members of his teams was Ken Uston, who subsequently exposed the teams’ methods in his book The Big Player.

Nevertheless, Francesco continued to train and bankroll teams for many years. Moreover, his team-play techniques have been used by countless numbers of other teams, including the MIT team.

Francesco is often referred to as the “Godfather of Blackjack,” and his peers recognized his accomplishments in 2002 when he was inducted into the Blackjack Hall of Fame.

After the publication of Uston’s book, casinos became wise to the techniques of team play and Francesco’s team couldn’t play in Las Vegas for fear of being detected. The team eventually disbanded. However, even though Uston killed the “golden goose,” Francesco eventually forgave him.

How Team Card Counting Works

Blackjack teams use slightly different techniques but the most popular is as follows.

• Several skilled card counters get together and form a team. They each put up a share of the team bankroll (e.g., $10,000 each). 
• Card counters, known as “spotters,” are positioned at different tables and make minimum bets but keep the count.
• When the count becomes favorable, the spotter discreetly signals another team player (known as the “Big Player” or “BP”) to enter the game and fire away with big bets.
• When the count tanks, the spotter signals the BP to exit the game.
• The BP waits patiently until another spotter calls him into a game.

There are variations on the above technique but this gives you a general summary of how team play works.

Advantages of Team Card Counting

Before Francesco’s team play approach, casinos would watch a suspected solo card counter’s betting pattern. If he fluctuated his bets, it was an indication that the player was card counting. 

Casinos never considered a coordinated attack by a team. Therefore, by using spotters and BPs, the team was able to disguise the fact that they were card counting. 

Profit Potential

Here’s an example of the profit potential of team play from Colin Jones’s excellent book, The 21st Century Card Counter.

“Imagine you and a friend each have $5,000 and perfect card-counting skills,” he notes in the book. “You might expect to each generate $10 per hour in Expected Value (i.e., profit) playing separately However, if you combine your money into a $10,000 bankroll, you can each generate $20 per hour.”

There are other benefits of team play that include:

Managing Teams

Successful blackjack teams have a strong team manager. Some of his duties include:

• Recruiting and training players
• Creating team standards and a policy manual
• Determining bankroll requirements, bet spreads, and associated risks
• Tracking expenses
• Holding team meetings
• Motivating team members
• Soliciting outside investors
• Managing very large team bankrolls
• Determining the payouts for team members
• Determining the optimal number of BPs and spotters
• Determining the ratio of spotters per BP
• Deciding on where to play, what the makeup of the team would be, and when to get out of Dodge

Additionally, and most importantly, team leaders are responsible for handling “emergencies” that could arise. When a team is profitable, they earn about 30% of the profits. However, when a team is unprofitable, the team leader usually gets the blame.

Outside Investors

Most successful card-counting teams solicit outside investors who put a large sum of money toward the team’s bankroll and expect a return on their investment.

The bigger the team’s bankroll, the greater the profit a team can earn. This is a common practice nowadays to fund a team’s bankroll.

Reasons Teams Fail

Not all blackjack teams succeed. Some fail for any one of the following reasons:

• Poor leadership
• Not carefully screening and constantly testing members
• Not trusting other team members
• The pressure of mentally dealing with the downswings in bankroll
• Starting without a sufficient bankroll
• Mistakes in the call-in by the spotter or BP
• Mistakes in keeping the count accurately 
• Team members who are not dedicated, or worse, cheat
• Bad habits of a team member (drugs, booze, philandering, etc.)
• Failing a polygraph test
• Mistakes in distributing and handling of money
• Determining team expenses versus player expenses
• Knowing and sticking to a timed playing session
• Accurately keeping the team’s “financial books”
• What to do if a player quits
• Being thrown out of too many casinos
• Currency issues when traveling outside the USA
• Constant travel

One way to avoid the above pitfalls is to read and adhere to the advice from several blackjack team leaders and members in the following publications: 

• Chapter 11 in Don Schlesinger’s book, Blackjack Attack: Playing the Pros’ Way, which contains a copy of a “Blackjack Team Handbook.”
• Chapter 8 in Colin Jones’s book, The 21st Century Card Counter.
• Chapters 27‒33 in Rick Blaine’s book, Blackjack Blueprint.

Casino gambling is not some arcane system of knowledge reserved for understanding by only an elite few. If you are not Albert Einstein, Stephen Hawking, or Neil deGrass Tyson then you are out in the cold if that were so. 

The 7 smart gambling tips are:

1. Know How the Game is Played

2. Crowded Tables Are Best

3. Know the System You Are Playing

4. What the Size of Your Bets Should Be

5. Know When to Leave a Game

6. Recommended Money Management System

7. Don’t Sweat the Comps

No, indeed, every casino gambler probably has the intellectual skills to understand how the games are played, what the probabilities are, how the casino makes its money from the games and which systems cost the players the least amount in losses over time at their favorite games.

What else do they have to know? The speed of the games is important information. A two percent edge at a game that comes in with about 40 decisions per hour is far better than a one percent game that comes in with 150 decisions based on the same dollar amounts of bets. The house edge is not the only criteria by which to judge a game’s ability to grind away at your money.

How about how crowded your preferred game’s table might be? Crowded tables make the casino more money but cost an individual player less money if such a player wagers wisely. That is certainly a consideration.

My findings in a personal non-scientific observation over three decades of playing casino games is short and not sweet; players by and large do not understand the games they are playing. Many do, but many more do not. This is particularly true of slot players. In addition, many players believe in superstitious that are obviously nonsense.

So, what should we do? The following seven gambling tips are certainly a starting point for casino players. They will set you on the right track.

[Please note: All references to roulette are based on the American double-zero wheel (0, 00). References to blackjack are based on an average six-deck game unless otherwise indicated.]

I see it all the time.

How many roulette players don’t realize (and maybe never realize) how the dealer takes the losing bets; how the dealer pays the winning bets; and when a new round of betting occurs and when no more bets can be made? Plenty. Just listen to a roulette dealer scolding players who have no idea of how the game is played. That will answer the above questions.

Ask roulette players what “even-money” bets mean. Many don’t know why they are called “even-money.” They think the payout reflects a bet with no house edge!

I have been at craps tables where “veteran” craps players argue that their winning bets haven’t been paid. Some will argue vociferously about this state of affairs and then the dealer will say (usually annoyed), “I haven’t gotten to you yet.” Such players have been playing for decades but still have no idea of the order of payouts.

Some craps players have no idea what the actual payouts of their bets are. They just throw such bets out and I guess they wish and hope they win whatever they are supposed to win when they do win. Some players consistently don’t even know what bets they have on the board!

Blackjack players do not know that the game generally breaks down to approximately 48 wins for the casino, 44 wins for the players and eight ties. Trend betting on live blackjack is not a good idea (actually it is never a “good” idea.) because the trend is always against the player except in exceptional hands such as blackjacks, double-downs, splits and double-downs on splits. 

The lack of knowledge can’t make a game more fun – or can it? I have no idea.

“I prefer to play alone at the table,” says Joe. Nope! Joe is committing a cardinal sin of table-game play.

Slow is the way to go at all casino games. This holds true for every game and every player’s desire to play. Except for advantage players who usually want more and more decisions, the regular player wants fewer and fewer decisions. By the way, almost all casino players are regular players and they are putting themselves in jeopardy.

Why is that? Because the more money a player bets at a game, the more money the casino’s edge has to grind away at it.

Yet, the average table-game player often wants to play alone or with only a few other players at his or her table. That’s a big mistake. Why position yourself to lose more money? That makes no sense to me. Lose less and enjoy your play more would be a good motto for casino players.

This advice holds true for slot machine players as well. Play one machine, slowly. Make that machine one that is a stand-alone machine. Do not play two machines as you basically double your chances to lose.

A good system will lose you less money over time; a bad system will lose you more money over time.

Is there a handy rule of thumb to distinguish the good systems over the bad systems? 

Bad systems usually call for an increase in the size of one’s bet as losses have occurred. Or they call for such increases as winning has occurred.

Players like the idea of raising their bets when they are winning because they think such winning must continue. Not so. A winning streak only happens in the past. It has nothing to do with the now or when. The future is unknown; the past is not. But the past has no influence on the future. Too many casino players don’t realize this.

Raising one’s bet is a bad idea. It just gives the casino more of your money to have its edge attack.

If I were to bet a couple of pennies on a bet in the casino, a win or loss would be meaningless as a penny or two is not a heart-thumping wager. If, however, I were to sell my house, sell my car, empty my bank account and any other investments I had and wagered all of that on one bet in the casino I would probably…die. I don’t think my heart could take this.

Our bets, according to my mentor the late Captain of craps, should be enough to cause the blood to flow, the excitement to increase though not so much that the dread of a loss causes us to become somewhat faint, no wager should be enough to endanger our bankroll or our physical health.

Waking up in the morning asking ourselves the question, “I bet how much yesterday?” is not a good situation.

[Please note: I’ve written about the Captain in my books. He was indeed my mentor.]

Casino gambling is meant to be a fun activity which it can’t be if there is any desperation during it. Betting too much is not good. Likewise betting too little does not give us the thrill we look for in the casinos. 

I guess the Greek philosopher Hesiod had it right when he wrote (I paraphrase.), “Moderation in all things.”

That saying holds particularly true for casino players and their betting choices.

The worst and most depressing way to start a casino session/trip is to get hammered so hard so fast that you find yourself at the bottom of a deep hole and your concept of the next day or two is to dig your way out. You aren’t even worried so much about winning as you are about not being buried.

Obviously, you feel that you must play some more to dig away and fill in that hole. Of course, the casino will not lose its house-edge over you so you might continue a precipitous slide into oblivion and crawl your way home. In a sense you could be clawing your way to the bottom. 

Can you do anything about that? Yes, you can slow down the pace of your play. Figure you are going to take a loss and tell yourself sternly, “Self, don’t do anything stupid.” Don’t bet more than you normally bet; don’t go for the gusto with really high house-edge bets that have big payouts.

Play safe. Play sane. Be wise. Stay contained. There are plenty of casino playing days ahead.

Now, let us say that you are holding your own, maybe down a little, maybe up a little, when to depart is the question.  

Here are the possible answers:

• Your mind says to the rest of you, “It’s time to quit now and do something else.” Then quit right there and then. Your session is over.
   
• I’m tired. Time to hop, skip and jump out of this game.
   
• I think I’ll savor this win until my next session. Bingo! Out of the game you go.
   
• I’m only losing a little. I’ll take a break and come back later.
   
• Goodness, am I tired. It’s time for a nap. Get comfy in bed for a while.
   
• Goodness, am I tired. Time for a good night’s sleep. Get comfy in bed for a while.

Money management can’t give a player an edge over casino games. That is a solid fact that casino players must understand. They are in a negative situation and that situation will inevitably reveal itself, either now or over time. Often now and over time. I sometimes wonder how many casino players were ever ahead of the games they love to play at any time in their playing careers – be short-term or long-term?

But good money management is a solid tool for keeping one’s losses contained. That is a fundamental idea that must settle into a casino player’s brain. Money management is a way to protect one’s gambling bankroll.

So here are my recommendations for a good money management system:

• Set up a bank/checking account called a 401G for your gambling funds. Regularly deposit money into this account. By the way, the “G” stands for gambling.
   
• Only use money from that account to play in the casino.
   
• Any casino wins you have, then the money from those wins will go into the account.
   
• Make sure you have enough money to play at least four hours per day in the casino. It can be less but more could be a mistake.
   
• Divide your money up based on how many sessions you are going to play. Do not play against your entire bankroll.
   
• Never allow yourself to lose more than one-third of your total bankroll in one trip to the casino. Consider a trip to be two days of play.
   
• Do not lend any money to anyone in order for them to gamble. That is a bad investment. Remember Polonius’s advice to Laertes in Shakespeare’s play Hamlet: “Neither a borrower nor a lender be, for loan both loses both itself and friend and borrowing dulls the edge of husbandry.”

Too many players worry about what level of comps they get from the casinos. Some casino patrons actually think of comps are freebees given by the casino because these players are liked – for some reason or other. They are of the mind that their host (if they merit a host) picked them for some ineffable reason.

Comps are based on one simple factor: How much money the casino expects you to lose over a period of time. They will return a percentage of that in terms of rooms and board and other “favors.”

Here is the simplest, smartest advice when it comes to comps: Take what they give you because you have earned that by potential losses but never play to get a comp. They will come or they won’t come. 

All the best in and out of the casinos!

 

*Credits for main photo in this article belongs to Eran Alergant

The most legendary team of blackjack players, which beat the casinos for millions of dollars, was the MIT team. Several books (Bringing Down the House, Busting Las Vegas, The House Advantage: Playing the Odds to Win Big in Business), movies (21 and The Last Casino), and numerous magazine stories and television shows have been written about their accomplishments. What follows is a summary of how the MIT team originated, and who were some of the more famous members of this team.

It all started in 1979 when a group of poker-playing MIT students decided to attend the short-term course, “How to Gamble if You Must,” to learn about blackjack. They learned card counting and started playing blackjack in Atlantic City; however, they didn’t do very well so they disbanded. Later, one of the team members (J. P. Massar) met up with another blackjack player, and they decided to form a team to take advantage of the Atlantic City regulation that forbade casinos from barring card counters. They recruited an investor, who bankrolled them with an alleged $5,000, and the two made a nice profit card counting. That’s when they decided to recruit more players to expand the team.

This new team decided to play in Atlantic City (mostly on weekends), and even though they were generating a profit, some members decided to leave because it was hard for them to handle (emotionally) the pressure of large losing sessions that can, and did, occur, and the inconsistent earnings.

All this changed when Massar met Harvard graduate Bill Kaplan, who had moved to Las Vegas and was running his own blackjack team for a profit using his statistical analysis of the game. The two formed a new blackjack team, consisting mostly of Massar’s team players, with this proviso: Kaplan would run it as a business with strict management procedures, and a new playing system that required player training that included “check-out procedures.”

This new MIT Team (circa 1980), armed with highly skilled players and an alleged $89,000 bankroll, played in Las Vegas and doubled their initial team bankroll in ten weeks. (Undergraduate students, who were members of this team, were earning an average of about $80 per hour.) This team continued to recruit new players (about 30), and continued playing and beating the casinos throughout the 1980s.

The next big event that occurred in the history of the MIT team was when Bill Kaplan, J. P. Massar, and John Chang formed Strategic Investments (a Massachusetts limited partnership) to capitalize on the opening of the new Foxwoods Casino in nearby Connecticut. The limited partnership raised a million dollars from investors who bankrolled this new MIT team.  They used the following playing strategy.

A “spotter” sat at a table and card counted. When the count became positive, he or she would signal a “controller,” who entered the game betting small while confirming the spotter’s count.  When the confirmation was made, the controller would signal a big player (BP), who entered the game making very large bets when the count was favorable.  Sarah McCoran, an MIT student, joined the team around1983 as a partner who was responsible for training and recruiting players on the West Coast. (At this point, the team had grown to over 80 players.)

As profits were rolling in, heat from the casinos escalated to the point where many team members were barred from playing. Casino managers finally made the connection of this team of players to MIT, and with many of the team leaders barred, Strategic Investments dissolved the partnership (on December 31, 1993), and paid out profits to its investors. (According to Mike Aponte, Strategic Investments disbanded because they “didn’t do very well.”)

In 1994, some of the players split off into independent teams. Semyon Dukach (the Big Player) led one team (known as the Amphibians Team) along with Kaite Lilienkamp (Controller), and Andy Bloch (Spotter). Mike Aponte led another team (known as the Reptiles Team).  These teams had million-dollar bankrolls, with a combined total of over 50 players, and were quite successful extracting money from casinos.

In 1984, Kaplan became so recognizable that it was difficult for him to play anymore so he left the team.  Finally, around 2000, the MIT teams ceased playing and players went on to other careers.

MOST FAMOUS MIT MEMBERS (ALPHABETICAL)

Mike Aponte

Aponte joined the Strategic Investments team and he eventually formed the The Reptiles Team with Manilo Lopez and Mes Atamian. He won millions of dollars playing with the latter team, and in 2004, he won the World Series of Blackjack. He created the mikeaponte.com site, which includes information on his live virtual coaching, private blackjack training, and hands-on blackjack card counting classes.

Andy Bloch

Bloch holds two electrical engineering degrees from MIT, and a Juris Doctorate in Law from Harvard Law School. He is most famous as a successful professional poker player, who has won many poker tournaments. However, while at MIT, he joined the MIT Blackjack Team. Bloch was featured in the book Bringing Down Las Vegas (in one session he won $100,000 playing blackjack). Additionally, he was mentioned in the book Busting Vegas, as one of the MIT Team members who played in Monte Carlo. Bloch was also featured in the blackjack documentary “The Hot Shoe, “and in the blackjack card-counting training DVD, “Beating Vegas.”

John Chang

Chang took over for Kaplan as manager of the MIT Team. He was also one of the partners that launched Strategic Investments. Chang is one of the most prolific professional players ever. In 2007, he was elected by his peers at the Blackjack Ball to become a member of the prestigious Blackjack Hall of Fame. Chang frequently attends the annual Blackjack Ball.

Lori Chang (Tsao)

Wife of John Chang (also known as Lori Tsao), she was a long-time member and manager of the MIT Team.

Semyon Dukach

Dukach was born in Russia and studied at Columbia University and later MIT. He was part of the Strategic Investments Team (1992), and later became leader of the team. He was the main character in the book Busting Vegas, which chronicled the MIT team’s experiences.  Once Strategic Investments ended, he formed his own team (known as Amphibians Investments), which used not only card counting but also other advanced blackjack playing techniques like card sequencing. He stopped playing professionally in the late 1990s but continues to speak at events, coaching players in blackjack techniques, and formed the Blackjack Science website.

Bill Kaplan

Kaplan was an MBA graduate from Harvard. After reading the classic book Beat the Dealer, by Ed Thorp, Kaplan started card counting in Las Vegas and eventually ran a successful blackjack team there (1977). He later met with Massar and together they formed the original MIT Team. Kaplan was the catalyst that introduced new scientific-based playing strategies and management techniques that raised the level of success for the team. After he left the team, he launched several businesses that became very successful, which made him much more money than he probably would have made by continuing to play/manage blackjack teams.

J. P. Massar (aka Jeff Ma)

Massar was one of a handful of MIT students in 1979 who attended the MIT short-course “How to Gamble if You Must.” He formed, what most claim, the first MIT blackjack team composed of MIT students. He took a one-year break from school, moved to Las Vegas to begin playing there as a card counter.  He eventually met with Kaplan and together they formed a new MIT Team that was very successful. For a period of ten years, he was with this team. It was Massar’s story about the MIT Team in the novel Bringing Down the House that formed the basis of the movie 21. After his stint with the MIT Team, Massar became an incredibly successful entrepreneur, and also a Predictive Analytics Expert for ESPN (2014). He also wrote the book The House Advantage: Playing the Odds to Win Big in Business.

Jane Willis

Willis is a math genius, a 1991 graduate of Harvard University, and one of the most successful spotters on the MIT Team. She was quoted as saying that her presence on the team is what probably allowed them to go undetected for so long, mainly because “casinos don’t necessary think that women are good at math.” After her stint with the MIT Team, she went to law school and works for a law firm on Litigation and Enforcement. In 2018, Best Lawyers named her as “Lawyer of the Year”.

There have been other MIT Team members who have achieved some fame. In 1999, one team member, “MIT Ted,” won the third annual Blackjack Ball competition.  (He also earned the title of “Most Feared Man in the Casino Business.”)  Additionally, Nathaniel Tilton, a student of former team leaders Mike Aponte and Semyon Dukach, wrote the book The Blackjack Life, which contained details of his playing and training experience with the MIT Team.

Note: As a long-time invitee to the Blackjack Ball, I had the privilege of meeting several members of the MIT Team. They are a great group of men and women, who legally beat the casinos at their own game. To learn more about card counting, and some of the techniques used by professional players, read Chapter 10 in my Ultimate Blackjack Strategy Guide.