So what has happened to throw off the statistical expectation? Well, score one for the medical profession. Even though the cost of medical care has been rising rapidly, the safety net for our seniors ensures they still have access to good quality treatment. This is helping them stay in better shape. Now add in the fact our seniors are more socially responsible. They know they may be starting to lose their edge so they begin to drive more slowly, and avoid driving at night when they may have greater difficulty is seeing. As the mental faculties also come under pressure, they keep to the routes they know well and generally take greater care. The most responsible go through driving courses designed to help seniors navigate our roads with the least risk. Some modify their vehicles to make them safer.

The cheapest car insurance comes through membership of Carfit. This is a project run jointly by a number of organization representing the interests of the aging. The idea is to offer advice and practical assistance to upgrade skills and make vehicles safer to drive. This reflects the reality that the elderly cannot easily adapt to modern life unless they continue to drive. With insurance companies offering the cheapest car insurance rates as an incentive and occupational therapists to advise, there’s no reason why seniors cannot continue driving without having an accident.

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• on any card combination;
• only when the two cards total 9, 10 or 11; or
• after splitting.

Why should you double your bet? The answer is deceptively simple. You double the bet when you think you are going to beat the Dealer. That really does make sense. But because you are suddenly investing more money in playing the game and have more to lose, you need to get on board with the math. You need to know the frequency with which the Dealer is likely to go bust based on the card you can see. If the Dealer’s card suggests a bust is probable, i.e. the Dealer’s hand is weak, you double the bet when you have a strong hand. You are maximizing the chance of making a good profit on the hand. If you build the doubling rule into your basic strategy, you reduce the House edge. If you refuse to play the doubling rule, the House edge actually increases. This is not to claim you will win every hand when you double down. If you are on a losing streak, you could lose every doubled bet for the session. But, in the long term, you will win more than you lose if you double. If you hesitate to double the bet, it suggests you are outside your comfort zone and already playing for higher stakes than you can afford.

At the blackjack table, the Dealer is weakest when showing a card in the range 2 through 6. With a 2, the bust percentage is 35%. It rises to a 42% chance of busting with a 5 or 6. Your hand is strongest if the two card total is less than 11. Do not be thrown off the basic strategy by the casinos that allow you to add less than the original bet. Blackjack is a game for winners. Never give up the chance to double and take the maximum win against the Dealer. Adding a few dollars to the original bet but not doubling is half-hearted and cowardly.

So what is this strategy? Over the years, some serious math types did all the work for you. They calculated the best way to play all the card combinations and wrote them down in simple charts. If you were going to play in a real casino, you would have to learn all these rules. That saves you having to pause before every decision to check the charts. Not only would the other players around the table be less than impressed, the casino would probably suggest you leave. But playing online changes all that. You can consult the charts as often as you like before deciding which card to play. It may be slow but, if you get the strategy right for every hand, you just shifted the odds in your favor.

So what are these charts? The first gives you the rules on when to split a pair. The strategy changes depending on the value of the cards dealt to you and the value of the card you can see the Dealer holding. So it starts with the rule that you split a pair of aces no matter what the Dealer holds, and goes down to the choices when you hold a pair of 2s. The other two charts deal with hard hands and soft hands. A hard hand is when neither card is an ace and the strategy changes significantly depending on the card held by the Dealer and the table rules on when the Dealer must stand or draw. A soft hand contains an ace and is easier to play because you can always draw one more card without busting – this takes some of the pressure off the play. I started off by saying blackjack is an easy game but, like all games, you can play for fun or you can take it seriously and play to win. In this case, you are more likely to win if you learn the charts and can play the strategy without thinking. To really take on the House edge, you also have to become a card counter but that’s a whole new story because it does not work in a virtual casino. For now, focus on the basic strategy and start your winning blackjack career.

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