Betting at the Baccarat table very simple, and to be honest, it is really the only decision that you will make while playing the game. The only three wagering choices that you have in Baccarat are the Player hand, the Banker hand, or of course the Tie bet. You must place your bets before the cards are dealt, and then the betting process is done. Unlike in the game of Blackjack, there are no split bets or double down bets to be concerned with during the game.
While there are advantages and disadvantages to each bet on the table, the difference in the house edge between the Banker hand and the Player hand is so slight that normally it should not be the determining factor when deciding on where to place your wager. Be aware that the house does take a five percent commission on all of the winning Banker bets, but even with this factored into the equation, the house edge on the Banker hand is still less than 1.2 percent. The house edge on the Players hand stays constant at 1.35 percent.
 The winning bet on the Bankers hand pays out even money, but the house usually collects a commission of 5 percent on this winning bet. There is a 50.7 probability that the Banker's hand will win, which means that even with the 5 percent commission you will still be slightly more likely to win while betting on the Bankers hand than you would betting on the Players hand. The only exception to this if you are lucky enough to find a casino that only collects a commission of 4 percent. This lower commission would make the Bankers hand a better choice to wager on that the Players hand. If however the commission is set at 6 percent, then you are better off playing on the Players hand.
The Tie bet in Baccarat is much like the insurance bet in Blackjack. In other words, it is considered to be a sucker bet. Although the bets usually pay eight to one, the house edge on this bet is over fourteen percent, which is huge compared to the small house edges on the Player and Banker bets. Even if you were to happen to find a casino that pays out at a rate of nine to one on the Tie bet, the house edge is still almost five percent. The most important thing that can be said about this bet is to STAY AWAY FROM THE TIE BET! You will find a lot of differing opinions on most subjects in the gambling circuits, but the experts all agree on this one point. So, once more, it is never a good idea to place money on the Tie bet (unless, of course, you own the casino that you are playing in!).
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