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Thread: Taking even money on a blackjack when dealer shows an A

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    Taking even money on a blackjack when dealer shows an A

    What's the best move to make when you get a blackjack the dealer shows an ace and they offer you even money before they check their hole card. Happened to me twice today and dealer also had blackjack and pushed

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    6 deck. 3:2

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    Quote Originally Posted by radio1324 View Post
    6 deck. 3:2
    Taking even money is the equivalent of taking insurance. From a pure perspective, refuse even money if true count is below +3.0 (Hilo). From a practical perspective, there are many methodologies. I tend to take (not always), even money on any multi unit bet.

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    Thanks Freightman kinda what i was thinking but wanted to make sure. I'm new to blackjack and counting, love it it's been great so far

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    Have you studied or used many indices?

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    SpikeBJ no not much I am just now studying the indices

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    The basic strategy play for insurance is to not take it, regardless of your own total. If you count there is a relatively low index for insurance. Personally, I recommend insuring your natural for less for maximum lulz. When the dealer tells you it's not allowed get really offended and act belligerent.

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    Quote Originally Posted by Meistro123 View Post
    Personally, I recommend insuring your natural for less for maximum lulz.
    What is this? I do not understand...

  9. #9
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    Quote Originally Posted by RCJH View Post
    What is this? I do not understand...
    Sometimes when people take insurance, they won't bet the full amount. On a 50$ bet, they might only bet 5$ on insurance when they can bet up to 25$ on it. While insurance is a separate side bet, many dealers don't fully understand that and don't realise even money on blackjacks is the same as taking full insurance. If you have a blackjack and try to place an insurance bet, especially if it for less, the dealer often has no idea what to do. It can be really funny.

    Sent from my SM-G955U using Tapatalk

  10. #10


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    Here's some calcs on Even Money if the Player is dealt Blackjack.

    EV of taking Even Money is 1 unit.

    Probability of the Dealer having BJ is 4/13, so the Probability of the Dealer not having BJ is 1 - 4/13 = 9/13.

    Player return if the Dealer has BJ is a push and the Player return if the Dealer does not have a BJ is 1.5 units.

    Therefore, the EV of not taking Even Money is (4/13*0) + (9/13*1.5) = 13.5/13 = 1.04.

    As 1.04 > 1 it is best to decline Even Money and play the hand.

    The above example was using an infinite deck, however, with 6 decks the odds are even better for the player because one 10 has already been removed from the shoe and this lowers the Dealers chance of having BJ.
    Casino Enemy No.1

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    I go with count. Way I figure it, you cannot lose your bet and so by not taking insurance, you are getting that you will win even more money. Only when the count is high and I have multiple units, I will take it.

    Sometimes, one is embarrassed. One time, I and the other player had both received BJ, dealer had Ace showing, my HiLo count had dropped below the insurance index and I did not take insurance, the other guy did. The dealer had a BJ, both dealer and ploppy lectured me.

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    Quote Originally Posted by ZeeBabar View Post

    Sometimes, one is embarrassed. One time, I and the other player had both received BJ, dealer had Ace showing, my HiLo count had dropped below the insurance index and I did not take insurance, the other guy did. The dealer had a BJ, both dealer and ploppy lectured me.
    You also get laughed at and lectured when you insure something like a hard 14 with the dealer showing an Ace. But, there is nothing wrong with being an AP but looking like you are really stupid. I just say, "playing a hunch."

  13. #13


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    I’ll insure 19s and 20s when the index is a little bit short of the max EV index in order to reduce my overall variance.

    I’ll also do the same for a natural depending on how big my bet is when i got it.

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