It has been said that Baccarat is a game that tests your skills of observation rather than hands-on skill. That is certainly true; however, it is more than just a game of skill. There is a distinct mathematical element to Baccarat which makes it a game that can be analyzed and exploited using basic probability. That is what makes it a game that you can learn and improve upon, rather than just a game that you play once or twice a year. Hopefully, after reading this article, you will agree that there is much more than meets the eye when it comes to Baccarat. Let’s get to it.

## Banker’s Advantage

At the risk of sounding like a broken record, the reason that betting on the banker is usually a good idea in Baccarat is that the banker is always going to win. Given the way the game is designed, you are almost certainly going to end up with a 0–0 score at the end of the day, regardless of how well you play. So, you can effectively “gamble” on the banker’s behalf and get paid off even when he (or she) loses. This is the basic blueprint for why betting on the banker in Baccarat is almost always a good idea.

However, it is a bit more subtle than that. There is actually a way for you to put money on the banker and beat the odds. The key is in the way the game is constructed. The house always has a 0.25% edge over the players. That 0.25% is built into the game and is enough to constantly make the game a tie. Now, you might assume that, given enough trials, the house edge would eventually disappear. However, that is not the case. As long as customers keep showing up and placing wagers, the house edge will stay put.

What is even more interesting about this particular aspect of Baccarat is that the house edge is not fixed. It can vary from 0.2% to 0.45% per game, depending on the amount of play and the bets being placed. For instance, if there are two players, both using chips, and the maximum bet is $5, the house edge is going to be 0.45%. However, if there are 100 players, each placing a $1 bet, the house edge is going to be only 0.2%.

## Players’ Advantage

On the other hand, the players have a distinct advantage over the house in Baccarat. The reason for this is that, when the cards are dealt, the player is allowed to examine their cards before the banker is. This gives the player the opportunity to learn the layout of the deck and work out what the final score is going to be before the hands are turned over. As a result, the player is almost always going to have at least a small edge, either due to pure luck or based on how well they did in analyzing the cards. For example, if they correctly guessed that the last two cards were going to be of the same suit, they can get a small edge based on luck alone (**virgin**). However, if they use strategy and know that one of the two cards is going to be of the suit, they can bet on it and make a profit. The more players that there are, the more opportunities there are to make a profit. This is especially effective if you bet on the banker, as he (or she) is almost always going to lose.

As a result, betting on the players in Baccarat is usually not a good idea, as the house has a way of balancing things out. Nevertheless, there are a few situations where betting on the players can be advantageous, such as when there are two players and the stakes are quite high. Even then, it is generally not a recommended strategy, as there is usually someone else who has a better plan. The key takeaway from this part of Baccarat is that, in the long term, the house always wins, but in the short term, it is the opposite – players win. So, while it is generally good to bet on the banker in Baccarat, it can also be useful to bet on the players.

## Mathematical Analysis

Above, we saw how betting on the banker in Baccarat is usually a good idea. That is because the house always has a slight advantage over the players. Since the house edge is built into the game and is basically unavoidable, you can effectively “gamble” on the banker’s behalf and get paid off even when he (or she) loses. That is pretty cool, but it gets even more interesting when you look at it from a mathematical standpoint. In order to do that, we are going to need to dive into some basic probability. Now, if you are not familiar with probability, do not worry – it is actually quite simple. It is all about chance and calculating the odds of something happening. For example, let us say that you are playing Baccarat and you wager $100 on the banker. That is a $100 wager and you are going to lose $100. The probability of you losing is therefore 100%. You are certainly not going to win.

Now, let us say that you analyzed the cards correctly and you know that there is a 90% chance that the next two cards are going to be of the same suit. You can make a correct call and place a bet on the suit, with an initial stake of $10. If you are correct, you will win $90. The probability of you winning is thus 90%. You are almost certainly not going to lose.

As you can see, betting on the banker in Baccarat and analyzing the cards are quite similar. The only difference is that you are effectively placing a wager on the banker (or a group of bankers), instead of directly on the cards. That is a fundamental difference which makes a world of difference in terms of the mathematical analysis. As a result, even though you are effectively placing a wager on the bank, you are not really, in a strict sense. It is really just a matter of semantics, since you are effectively just as likely to win or lose as you would be if you were directly placing a wager on the cards.

## Additional Rules & Points to Keep In Mind

Before we end this segment on betting on the bank in Baccarat, we need to remember a few additional rules and points. First, as we have established above, betting on the bank is generally a good idea in Baccarat. However, we need to remember that the house always wins, so we should not expect to win every time we place a wager on the bank. That being said, it is still quite effective to place a wager on the bank, because the odds are in your favor. Second, the banker is always going to be either all black or all red. It is never going to be a combination thereof. Third, if you are going to bet on the players, do it in a group of at least two, and preferably three or more, to get the best results. Finally, the minimum wager is $1, and the maximum is $5. While we are at it, $100 minimums and $1,000 maximums are also commonplace and often used.

Now that you are all up to speed on the basic rules and strategies behind betting on the bank in Baccarat, how does it all apply to the world of fantasy football? Let us take a look.

### Fantasy Football & Strategy

We are now going to apply what we have learned about betting on the bank in Baccarat to the world of fantasy football, or what some may call CFB, or casino fantasy football. As the name would suggest, the objective is to predict the final score of a football game, based on the actual plays, rather than on pre-game predictions or standings. For the purposes of this article, we are going to assume that you know nothing about the game and that you are attempting to achieve the best possible outcome, based on the number of points that you have at the end of each week – the more points, the better.

As usual, we begin with the basics. Based on the structure of a typical American football game, we can establish the following timeline of events: