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Monday, January 24, 2005
Baccarat Basics
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Baccarat (pronounced "bah-ca-rah") is perhaps the most glamorous of all games of chance. In movies, it's the game we expect to see James Bond, or Humphrey Bogart, playing. The name evokes images of high rollers in tuxedos pushing around stacks of hundred dollar chips while drinking champagne and acting refined. Casinos often festoon the Baccarat pit with rich drapes and tapestries, and block off the entire area with velvet ropes. However, this image of baccarat shouldn't intimidate new players; this fast paced game isn 't just for jet-setting millionaires. Playing Baccarat on-line is a great way to learn and enjoy this fun, tradition filled game.
The Rules and Play of Baccarat
While at first baccarat seems terribly complicated, it is a game quickly mastered. Baccarat is played with 8 decks, shuffled into a shoe. Bettors have three betting options; they can wager that either the 'bank' or the 'player' (these are just named circles on the felt) will win, or they can bet that the hand will result in a tie. Once bets have been placed, the hand plays out automatically.
Cards have the following values: Tens, Jacks, Queens, and Kings equal Zero Aces equal One 2 through 9 equal their face value.
The 'player' and the 'bank' each receive two cards at first. The cards are turned over and the values are added together. The hand closest to nine wins, just as in blackjack the hand closest to 21 wins. However, unlike in blackjack, a hand cannot 'bust-out'. In baccarat you 'wrap around'; in other words, when adding the cards always drop the first number if the total is greater than nine. For example, a hand consisting of a 5 and a 6 equals a total of 1 ( 5+6=11, drop first digit = 1 ). A Jack and a 7 equals 7 ( 0+7=7 ).
If the first two cards add up to 8 or 9 that hand is called a 'natural' and automatically wins. If both the 'player' and the 'bank' have naturals the hand closer to 9 wins. If they both have an equal total, the tie bet wins, and wagers on 'bank' and 'player' push. If neither hand is a natural an additional card may be drawn for each hand to determine the winner. Don't worry; while the rules governing the drawing of the cards seem complicated, they are followed automatically by the dealer.
Player Rules
Player's first two cards total: Player must: 1,2,3,4,5,0 Draw6,7 Stand8,9 Stand (Natural)
Bank Rules
Bank's first two cards total: Bank draws when player's third card is: 3 1-2-3-4-5-6-7-9-04 2-3-4-5-6-75 4-5-6-76 6-7
Bank's first two cards total: Bank stands when player's third card is: 3 84 1-8-9-05 1-2-3-8-9-06 1-2-3-4-5-8-9-07 Stands8-9 Stands (Natural)If the player stands on a 6 or 7,the bank must hit 0,1,2,3,4,5 and stand ona 6,7,8,9.
Odds and Payouts
A winning wager placed on 'bank' or 'player' pays even money. All winning banker bets must pay a 5% commission to the house. While this may seem unfair, the commission is charged because the 'bank' bet is more likely to win. (The house edge on a 'bank' bet is 1.06%, and on a 'player' bet 1.24%). Thus, even with the house commission, 'bank' bets should earn more money than 'player' bets in the long run (about 0.19% more). 'Tie' bets pay 8-1, however, the chance of a tie result is almost 10-1. All wagers in baccarat give the casino the edge over the bettor.
Try Your Luck
After a few hands of baccarat you'll learn why the game is one of the most popular in Europe and Asia. It is one of the simplest games to learn; it literally plays itself. All you have to do is enjoy the suspense and, if luck is going your way, collect the winnings!
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