Home ||Contact Us


Games you Can Play
General Rules
Imperfect Deck

Draw Poker

Draw Poker
General Rules of Poker
Stander Hand Rank of Poker
Basic Draw Poker Rule
Draw Poker Variation
Low and High-Low Variation
Spit Card Variants Poker
Miscellaneous Draw Poker Variants

Stud Poker

Stud Poker
Five Card Stud Variation
Miscellaneous Stud Poker Variants
General Poker strategy
Possible Poker Hands
Paring your Hole Card

Rummy Games

Rummy Games
Six Seven Card Straight
Six Seven Card Knock Rummy
Coon Can
Five Hundred Rummy
Continental Rummy
Fortune Rummy
Kalooki (CALOOCHI)

Gin Rummy

Gin Rummy
Standard Hollywood Gin Rummy
Jersey Gin


Variation of Canasta
Typical Four-Handed Score Sheet

Bridge: Contract and Auction

Contract and Auction
Contract Bridge Scoring Table
Bridge Poker
Minimum Biddable Suits
The Laws of Progressive Contract Bridge
The Laws of Duplicate Contract Bridge
Auction bridge

Cribbage and How it is Played

Cribbage how to Play
Strategy at Cribbage


Strategy at Casino

Children and Family Card Games

Family Card Games
Old Maid
Animals or menagerie

Miscellaneous Card Games

Miscellaneous Card Games
Scotch whist
Lift smoke
Crazy eights

Solitaire and Patience Games

Solitaire and Patience Games
Single-deck solitaire
Auld Lang Syne
Four Seasons
Beleaguered Castle
Poker Solitaire
Two-deck solitaire
Multiple solitaires

Chess, checkers, and Teeko

Standard Teeko Strategy
Start Teeko Game
Standard Checkers Law

Parlor Games for All

Parlor Games
Twenty Questions

Baccarat Banque

Baccarat Banque (bank), also called Baccarat a Deux Tableaux (double table), is an old-time cousin of Chemin de Fer played mostly in France. The game is usually banked by the casino operators or by concessionaires (usually from a Greek syndicate), who pay the casino operators 50 percent of their monthly winnings for the banking privilege. Unlike Baccarat or Chemin de Fer, there is a permanent bank and three hands are dealt instead of two. There is one hand for the bank and two player hands, one at each side of the table. The table layout is divided at the center by a heavy line.
Players may wager on either player hand, right or left; or they may wager on both by placing their money, a cheval, that is, across the line. If one side wins and the other loses, a bet placed in this manner is a standoff and no one wins or loses. If both sides lose, the bet is lost; if both sides win, the bet is won.
When all wagers have been placed, the croupier deals one face-down card to the player on his right, one to the player on his left, and one to himself. He repeats this procedure and, when each has two cards, the hands are checked. If any of the three per- sons has a count of 8 or 9, it must be turned face up and the other two hands are exposed ending the play. Bets are paid off as in Chemin de Fer. When either player holds an 8 or 9, the player on the dealer’s right acts first. He draws or stands, according to the Chemin de Fer rules, and has the option to draw or stand with a 5. Then the player on the left acts and is guided by the same rules.
When the players have completed their hands, it becomes the bank’s turn to play. Here is where considerable judgment and skill on the banker’s part comes into play. In this version of Baccarat Banque, the banker does not have any restrictions, he may stand or draw a card as he pleases; he is really the only one that has any opportunity to exercise any judgment in the play of his hand. It must be remembered that the banker will mentally total the amount wagered on each side of the table, and will draw or stand to try and beat the side poker betting the most money. Example: The banker has 5, the player on his left has drawn a 1O, and the player on his right did not draw. The banker would stand or draw depending on which side had the most money wagered. If the left-side hand had the most money wagered, the bank would stand on 5. The reasoning is that the player on the left, having drawn a 10, has a count of 0, 1, 2, 3, 4, or 5. The banker would feel it’s about 5 to 1 to win the most money. If the right side had the biggest wager, the banker would calculate the difference in money on both bets and then decide whether to draw or stay.  One of the reasons this game has not made any headway in the United States is the fact that it is open to all sorts of cheating practices especially player cheats who signal their card count to a banker cheat so that, in a short time, the bank must win all the money’ in sight. The cheats split the take later, and the honest player hasn’t a chance.


This simplified and demechanized version of Chemin de Fer first appeared in print in Scarne on Cards. The special virtue of Sloger, or Schlager, as it is sometimes called, is that it’s dead even for the banker and the player.  With the following exceptions, the game is played exactly like Chemin de Fer:

  1. The standard 52-card deck used alone.
  2. (Selecting the first banker.)  The players may sit anywhere they like.  By mutual consent any player may shuffle the cards and any player may cut the cards.  the acting dealer deals each player one card at a time, starting with the player at his left and dealing clockwise, until some player is dealt an ace.  That player becomes the first banker.
  3. (The shuffle and cut.) The banker shuffles.  Any player may ask for the right to   shuffle  at any time, but the banker has the right to shuffle last.   After the shuffle, the banker-dealer puts the cards on the table to be cut.  Any player may cut.  More than one player may cut.  If no other player cuts, banker must.
  4. Dead cards (cards which have been played) are burned  (placed upside down) on the bottom of the deck.
  5. When the deck is exhausted or it is a new dealer’s turn to bank, a new shuffle must be made.
  6. There is no restriction in this game as there is in Chemin de Fer on any player drawing or staying on any count below 8.  This includes the banker.  Regardless of his count on the first two cards, the poker banker or the player may draw or stay at his own discretion.
  7. The count of 9 with two cards is called big slogger, and is immediately turned up by the holder.  The same holds true for the count of 8 called little slogger.


Scarney Baccarat is the first really new casino banking card game in the past century.  This new game, which I invented, combines the principles of the great casino game of Baccarat, chemin de Fer, baccarat Banq1ue, bank Craps, and Black Jack, plus   several entirely new game principles.  Scarney Baccarat was first introduced at the Curacao Hilton Hotel Casino in Curacao, Netherlands Antilles, and spread rapidly to Nevada, England , Turkey, France, Italy, Yugoslavia, North Africa, and then around the world.

The layout for Scarney Baccarat

  1. A regulation Scarney Baccarat table with six betting spaces on its layout.
  2. One to seven players, each of whom may bet on one to three hands, depending on the betting spaces available.
  3. A card-dealing box called a shoe.
  4. Four standard packs of 52 cards each, shuffled together and used as one, a total of 208 cards dealt as a single deck.
  5. Two indicator cards.  One is used by players to cut the deck and the other indicators card is used to determine the end of the deal.

Value of Cards.  the ace is the lowest-ranking card and has a point value of 10 each.  All other cards have their numerical face value.  The deuce is counted as 2, the three is counted as 3, the four is counted as 4, etc.  The suits have no value.
            Object of the Game.  Each player tries to obtain a higher total card count than the dealer by holding a combination of two or three cards totaling 9 or as close as possible to 9, or to a two-digit number ending in 9.  Examples: 1 + 8 gives point 9; 2 +5 gives   point 7; 3+1 gives point  4; and so forth.  When the total of the cards is a two-digit number, only the last digit has any value.  Examples: 10 +9 gives point 9; 9+3+1 gives point 3; 1 +3+10 gives point 4; 6+7+9 gives point 2; and so forth.
            A player, at his proper turn of play and at his own discretion, regardless of the value of his two-card count, may stand or may poker draw a third card in an attempt to better his card count.
            The Shuffle and Cut.  The cards are shuffled by the dealer who then hands a player an indicator card and says “Cut please.”  The player inserts the indicator card into the deck to show where he want the cards cut.
            The dealer cuts the cards at this position, putting the indicator and all the cards above it on the bottom.  The indicator goes to the bottom of the packet.  The dealer then inserts the second indicator card sixty cards or thereabout from the bottom of the deck and places all the cards into the dealing box face down.  The dealer next deals three cards from the shoe and puts them to one side out of play.  The shoe is now ready to be dealt by the dealer.  When the indicator card inserted by the dealer makes its appearance, and enough cards from below the indicator card have been dealt to complete the round in progress, the deal ends.  The dealer must being a new shuffle and must again repeat the above procedure.
            Betting.  Before the deal begins, each player must place his bet, in chips, in one of the rectangular betting spaces that are painted on the playing surface; all bets are in full view of the dealer.  I repeat, players may place bets on one to three betting spaces providing there are available holes (betting spaces).  When a player places bets on more than one betting space at a time, he must play the hand farthest to his right to completion before being permitted to play his next hand or hands. 
            The Deal.  After all players ’ bets are down, the dealer, starting with the player on his extreme left, begins dealing clockwise.  He gives one card face up to each player and one face up to himself.  He next deals each player, starting with the player on his extreme left, a second face-up card and one face-down card to himself.
            Player’s Turn at Play.  The player to the dealer’s extreme left makes the first play of the hand.  he may elect to stay or draw.

  1. To stay: Either he is satisfied with his two-card count or he fears that a third and final card may reduce his count.  He says “No card,” “I have enough,” “I stand,” or “Good.”
  2. To draw the third and final card: When a player is not satisfied with his count, he says “Hit me,” “Give me a card,” makes a beckoning motion by closing his hand, or makes a come-on motion with a finger.  The dealer then deals a third and final card from the shoe face up before the player and next to his original two face-up cards.  A player is not permitted to draw more than one card.  Each dealt hand remains in front of the player or players.  The play moves to the player’s left, clockwise, around the table until all play poker players have played out their hands.  At this time it become  the dealer’s turn.

The Dealer’s turn at Play.  After all the players have played out their hand or hands, the dealer must play his hand and abide by the following rules:

  1. He turns up his hole card so that his two cards are exposed.
  2. if his count is 5,6,7,8 or 9, the dealer must stay.  He is not permitted to draw a third card.
  3. If his count is 0, 1,2,3, or 4, he must draw a third and final card, after which he must stay.  However. If a dealer’s three-card count totals zero (0), and is made up of three 10-count  cards, he must continue to draw cards until his total count is anything except zero (0).  This is called the Scarney Baccarat or Baccarat.  With the above exception, every Scarney Baccarat hand is made up of either two or three cards.

Final Settlement.  At the end of his play, the dealer starts with the first active player on his extreme right and moves around the table to the left; he pays off players who have a higher count than his with an amount equal to the bet they placed, and collects the placed bets from players showing a lesser  count.  If a player and the dealer have the same count, it is standoff or tie, and no one collects or loses.  A total three-card count has the same value as a similar total two-card count.  Example:   A 9-count made with three cards ties a 9 count  made with two cards, etc.  (The same holds true for a Scarney Baccarat hand comprised of 3,4,5 or more cards.)

            Splitting Pairs.  Any two aces, cards that are identical, regardless   of their suits, may be treated as a pair.  Also, any two cards each having a count of 10 (totaling zero) may be treated as a pair, such as two tens, two, jacks, two queens, two kings, or a combination  of any of the two above 10-count cards; such a combination is called baccarat.  Each of the above pairs, at the discretion of the player, may be treated as the first card dealt of two separate hands.
            A player being dealt two cards forming a pair on the initial round may. If he chooses, separate one from another and treat each card as the first card dealt in two separate hands.
            When the pairs are split, the player’s original bet is placed on one of these cards and an equal amount must be bet on the other card.  The player is then dealt a second and final card face down on the face-up card  on his right and then a second and final card face down on the other face-up card.  When splitting pairs, at no time is a player permitted to draw a third card on any hand.
            Players are not permitted to look at a face-down card until the dealer turns it face up after the deal has been completed.
            The Double –Down Bet.  A player after being dealt his first two cards (which may be any two cards) may elect to double his original bet before drawing his third  card.  This is known as a double down or down for double.  A player at his turn of play, and before calling “down for double” or “double down,” must place  an amount equal to the original bet on the betting space.  The player is then dealt a third and final face-down card on the two face-up cards.  The player is not permitted to look at his face-down card until the dealer turns it face up after the deal has been completed.
             The Scarney Insurance Bet.  If the dealer’s face-up card is a 9-count, players (at the dealer’s turn of play) may elect to make an insurance bet against a loss or standoff to the dealer’s possible two-card 9-count (9+10), called Scarney.  The dealer, before turning his hole card face up-, inquires if any player wants scarney insurance places an amount equal to half his present wager towards the center of the table.
            After the dealer faces his hole card, and it is a 10-count, he calls “Scarney ” and each insurance bettor is paid off at the rate of 2 to 1 for every unit wagered.  If the card is not a 10-count, the dealer collects the player’s insurance bet and the dealer continues to play out his hand.
            The Scarney Baccarat Insurance Bet.  After the dealer faces his hole card (at dealer’s turn of play) and his initial two dealt cards are both 10-counts, players may elect to make the Scarney Baccarat insurance bet.  The dealer, before drawing his third card, inquires if any play wants Scarney Baccarat insurance.  A player who desires the Scarney Baccarat insurance places an amount equal to half his present wager towards the center of the table.

            After the dealer draws his third card, and it is a 10-count, he calls “Scarney Baccarat” and each insurance bettor is paid off at the rate of 2 to 1 for every  unit wagered; the dealer continues to play out his hand.  If the card is not a 10-count, the dealer collects the players ’ insurance bets and the hand is played out.  If the dealer’s third dealt card is a 10-count, a second Scarney Baccarat insurance bet is permitted.  Should the dealer’s fourth dealt card be a 10-count, a third Scarney Baccarat insurance bet is allowed; and so it goes, insurance bet after insurance bet, until the de4aler fails to draw a 10-count card and the hand ends.
            The Side Bets.  Scarney Baccarat layouts have betting space marked 5-6-7-8-9, and above these numbers the phrase “Each Pays 10 for 1.”  Before a new deal begins, the player places his side bet by betting that on the next round of play the dealer’s first two dealt cards will total the same count.  The dealer pays off such winning bets at odds of 10 for 1.  These wagers are also called propositions.
            Field Bets.  The field bears the numbers 5, 6,7,8,9.  When a player puts his betting that on the layout marked “Field,” he is betting that  on the next round of play, the combined total of the dealer’s first two dealt cards will be 5,6,7,8,or 9 as shown on the layout .  The dealer pays off winning bets at even money.  If the dealer’s first two dealt cards total 0,1,2,3,4, the players lose their Field bets.
            A dealer’s two-card nine count comprised of a 9 and 10 is known as “Scarney.”  A count of zero with two or three cards is known “baccarat.”  A dealer’s count of zero with three or more ten-count cards is known as “Scarney Baccarat.”  A player is not permitted to double down on a split pair.
            Scarney Baccarat Strategy.  Before giving a mathematical analysis of the game, I would like to point out that, in Scarney Baccarat, a player cannot bust his hand as in Black Jack.  A player’s cards are always in play until the dealer completes his play and the payoff takes place.  In Scarney Baccarat the house advantage is the result of the dealer’s special play of the game called Scarney Baccarat.  In Scarney Baccarat, if the dealer’s three-card total is zero (0) and is made up of three 10-count cards, the dealer continues to draw cards until his final count is different from zero.  This is the only time a Scarney Baccarat hand is made up of more than three cards.  It is not feasible, of course, to figure the exact percentage against individual players because their playing differs so much.  Some players will stay on a count of 5 or more; some will draw on 5 and 6; others stay on 4 or more; and there’s always the hero who will hit  a 7 and an 8.  However, since the dealer has no choice as to whether he stays or draws, because the rules predetermine this, he must draw to a count of 4 or less and stay on a count of 5 or more.  We can calculate the exact percentage for the house by having a player adhere to the dealer’s fixed strategy of drawing to a count of 4 or less and standing player to split pairs or to double down.
            If the player adheres to the dealer’s fixed casino strategy, and does not split pair4s or double down, the house percentage in which a hand consists of a play of the game which terminates in a win, loss, or tie, is a low 2.44  percent.  If a tie is not counted as a trial, then the house advantage is 2.71 percent.  In other words, Scarney Baccarat will appear on the average of about once in 37 decals.  I must reemphasize one fact you should  not forget:   The only positive advantage in favor of the bank is the 2.44 percent that it gains through a Scarney Baccarat.
            There are several situations which, played properly, give the player an opportunity to cut down this house percentage.  Most players handle these situations so inexpertly that, instead of reducing the percentage.  Most players handle these situations so inexpertly that, instead of reducing the percentage they are bucking, they add to it.  Here are the playing factors which can be utilized to the player’s advantage:

  1. The player actually knows a little more than the dealer because one of the dealer’s two initial cards is dealt face up; this gives the player important information about his possible card count.  The rules governing the dealer’s play prevent him from making use of similar information about the player’s hand, even if the latter’s first two cards were dealt face up.
  2. Unlike the dealer, the player can stay or draw on any count he wants.  At one turn of play he may draw to a count of 3,4,5, or more; and at other times he may stand on the same count.  In some situations this is advantageous to the player.
  3. The player can decide whether or not he wants to double down or split pairs, a strategy denied to the dealer.
  4. The player may play one to three hands when there are available betting spaces; the dealer can only play one hand.
  5. The player is the one who decides the amount of the bet and can raise or lower it at will within the prescribed betting limits.
  6. The player may case the deck.  If he can remember the cards previously dealt or exposed, this knowledge will greatly improve his chances of winning.

If you adhere to the strategy that I shall outline for you in the following pages, I promise that you can cut down the house 2.44 percent considerably. The strategy utilizes these factors: The dealer must hit a 4 or less and stand on 5 or more: the knowledge of the dealer’s face-up (exposed ) card; the player’s total count; when it is to your advantage to stand, to draw, to poker split pairs, and to double down.
            Playing according to the table below will assure you that you are fighting an average house advantage of considerably less than 2 percent.  However, my str4ategy does not guarantee that you will win – it simply cuts down the house percentage to its lowest possible level and gives you a much better opportunity to win than any other method of Scarney Baccarat play.

Scarney Baccarat Strategy Table

Hit –and-Stand Strategy:

  1. When the dealer’s upcard is anything, stand on a count of 6,7,8, or 9.
  2. When the dealer’s upcard is anything, draw to a count of 0,1,2,3, or 4.
  3. When the dealer’s upcard is 0, 1,5,6,8, or 9, draw to a count of 5.

Splitting Pairs

  1. Split threes when the dealer’s upcard is 7,8 or 9.
  2. Split fives when the dealer’s upcard is 1,2,3,4, or 5.
  3. Split sixes when the dealer’s upcard is 0,1,2,3,4,5, or 6.
  4. Split sevens when the dealer’s upcard is 0,1,2,3,4,5,6 or 7.
  5. Split eight when the dealer’s upcard is 7.

Doubling Down
            Double down on a count of 4 when the dealer’s upcard is 0,1,2,3,or 4.
            Double down on a count of 3 when the dealer’s upcard is 0,1,2,3, 4 or 5.
            Double down on a count of 2 when the dealer’s upcard is 0,1,or 2.

Scarney Insurance Bet.  Whenever the dealer shows a nine as his up-card, he will invite you to place an additional wager (called Scarney insurance ) equal to half the amount already bet, which will pay you 2 to 1 if the dealer’s downcard is a 10-count card, and which you will lose if it is not.  In this optional bet, you are thus “insuring” your hand against the possibility of a loss to a dealer Scarney.  In order for this bet to be a profitable bet, more than one-third of the undealt cards must be 10-count cards.  This is not very often the case, so let’s take a look at the usual odds.  If the dealer’s upcard is a nine, and you have no knowledge of any other cards, the quadruple deck would contain 64-10 count cards.
Suppose you do not look at your own cards, nor do you see any of the other online poker player’s cards, prior to taking the insurance.  Then the dealer’s downcard may be considered drawn at random from the 207 cards that remain unseen.  clearly, 64 of these cards are 10-counts and the other 143 are not 10 counts.  The odds are 143 to 64 against the dealer having a 10-count in the hole.  The payoff is 128 to 64, approximately 7 percent.  As a general rule, I don’t recommend insurance betting.  However, the casual card caser (counter)can use the insurance bet advantageously if he has been keeping   track  of 10-count cards in previous hands.  Example: Suppose half the deck (104 cards) has been dealt and the casual card caser recalls that only 12-10 count  cards have been dealt.  If an insurance bet could be made on the next deal, it would be wise to take insurance because the player has an edge of more than 33 percent over the house on this bet.
Scarney Baccarat Insurance.  The  house advantage in Scarney insurance also holds true when placing a Scarney Baccarat insurance bet.
Proposition on side Bets.  In addition to the preceding wagers, Scarney Baccarat layouts have spaces marked 5,6,7,8, or 9, and above these numbers appears the phrase, “Each Pays 10 or 1.”  A bet placed on a 5 means that the player is betting that the dealer, on the next turn of play, will hold a count of 5 with his first two dealt cards.  the dealer pays off such winning bets at 10 for 1 and since the correct odds are 9 23/64 to 1, the house enjoys an advantage holds true for the numbers 7 and 9.
When a player places a bet on the 6 (same rules apply as on the 9), he is again paid off at 10 for 1.  But since the correct odds on being dealt a count of 6 in the first two cards are 9 43/62 to 1, the house enjoys an advantage of 6.48 percent.  The same holds true for number 8.
Field Bet.  When a player places a bet on the space of the layout marked “Field” he is betting that the dealer’s first two dealt cards on the next round will total a count of 5,6,7,8 or 9.  The dealer pays such winning bets at even money.  The dealer may be dealt 1,326 different two-card counts of which 632 comprise the field (5,6,7,8 and 9) and 694 comprise the losing numbers (0,1,2,3, and 4).  When we subtract 632 losing two-card counts from the 694 losing two-card counts, we find the field bettor has a disadvantage of 62 two-card counts for a dealer’s edge of 4.67 percent.



Pinochle many Variations

Pinochle many Variations
Two-Handed Pinochle
Two-Handed Doubling Redoubling
Auction pinochle
Strategy at Auction
CAD found
Partnership Auction
Auction pinochle without wido Individual play
Partnership Aeroplane Pinochle
Radio Partnership Pinochle

Other Members of the Bezique Family

The Bezique Family
Rubicon bezique
Two-handed sixty-six
Two-handed piquet
Boo-Ray or BOURÉ

The Big Euchre Family

The big euchre family
Strategy of euchre
Auction euchre
Table of scoring points
Spoil five
Double hasenpfeffer
Three-card loo

The Heart Group

Heart Group
Spot Hearts
Black Widow Hearts

The All-Fours Group

All-Fours Group
Shasta Sam
Auction Pitch Joker

Banking Card Games

Banking Card Games
Black Jack, casino Style
Black Jack Strategy
CHEMIN DE PER must play
Baccarat Banque
Faro or farobank
Banker and broker
Red Dogs

Card craps

The Stops Games

Stops Game

Skarney® and How It Is Played

Skarney® and How It Is Played
Alternate Skarney
Skarney Singles
Skarney Gin Doubles

Cheating at Card Games

Cheating at Card Games
Professional Card Cheats
Nullifying the Cut
The Peek
How to Shuffle Cards

Dice and their Many Games

Dice and their Many Games
The Casino Game: Bank Craps
English Hazard
Double Cameroon
Partnership Straight scarney Dice
Scarney Duplicate Jackpots
Scarney Chemin de Fer
Applying All Card Games Poker

Games Requiring Special Equipment

Hasami Shogi
Follow The Arrow

Lottery and Guessing Games

Lottery guessing game
Tossing Game
Race Horse Keno
The match Game

Glossary of Game Terms


©copyright 2005-06, all Rights Reserved, www.poker.tj