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Insurance Player losing ties A California man named Fred Marino is suing American Express and Discover Card charging them with facilitating and profiting from illegal online gambling loans. The suit alleges that California has a long-standing public policy against enforcement of gambling debts. In 1998 Fred Marino lost over $25,000 while gambling online. When American Express threatened to sue him and ruin his credit report, Marino filed the suit. Ira Rothken who was the attorney for Cynthia Haines will represent him. Marino is seeking an injunction against American Express and Discover stopping them from extending credit for Internet gambling to California residents. Poker is a godless game, full of random pain. - Andy Bloch early surrender: player has the option to surrender before dealer checks for Blackjack. The goal of each player is to beat the dealer, by having the higher, unbusted hand. Note that if the player busts, he loses, even if the dealer also busts, which is the source of the casino's advantage. If the player's and the dealer's hands have the same point value, this is known as a "push", and neither player nor dealer wins the hand. [edit] If the dealer busts then all remaining players win. Bets are normally paid out at the odds of 1:1. Of course, a player may lose both his original bet and his Insurance bet.
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Related links Insurance is statistically a bad bet for the player who has no direct knowledge nor estimation (e.g. through card counting) of the dealer's 'hole card' because Insurance has a negative expected value for the player. Even for the player who has been dealt a natural (a two-card 21) it is unwise to take Insurance. In such a case, the dealer usually asks the player "Even money?" This means that instead of 3:2, the player with the natural accepts to be paid off at 2:2. Thus it is exactly the same thing as buying Insurance, losing the Insurance bet and getting paid 3:2 on the natural. (If the player with the natural refuses "even money", and the dealer turns over a natural, it is a tie.) Sometimes, gamblers argue, "I just lost four times. Since the coin is fair and therefore in the long run everything has to even out, if I just keep playing, I will eventually win my money back." However, it is irrational to look at things "in the long run" starting from before he started playing; he ought to consider that in the long run from where he is now, he could expect everything to even out to his current point, which is four losses down. Baccarat One major aspect of poker is being a game of imperfect information. Some cards in play are concealed, so the players cannot deduce the exact state the game is in. This fundamentally differs from games like chess where all information about the game's current state is public. A major part of the skill of live poker games, however, is guessing at the strength of a player's hand by identifying tells made by other players, while concealing one's own. As a computer would not make any tells, playing against a computer would fundamentally change the nature of the game far more than chess and similar games. Professional Blackjack, Stanford Wong, 1994 (1975), ISBN 0935926216 For example, the official house advantage for a casino game might be 1%, and thus the expected value of return for the gambler is 99%. However, this math would only be true if the gambler never used the results of a winning bet again. Thus after gambling 100 dollars the idealized average gambler would be left with 99 dollars, but, if he continued to bet using his 99 dollars in winnings, he would again lose 1% on average and his expected value would go down to 98.01 dollars. This downward spiral continues until the gambler's expected value approaches zero: gambler's ruin. A two-card hand of 21 (an ace plus a ten-value card) is called a "blackjack" or a "natural", and is an automatic winner. A player with a natural is usually paid 3:2 on his bet, although in 2003 some casinos started paying only 6:5 on blackjacks, a move decried by longtime blackjack players. [edit] Two-up The following rules are detrimental to the player:
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