Term Insurance

Much more common than annual renewable term insurance is guaranteed level premium term life insurance, where the premium is guaranteed to be the same for a given period of years. The most common terms are 10, 15, 20, and 30 years. In this form, the premium paid each year is the same, and is based on the summed cost of each year's annual renewable term rates, with a time value of money adjustment made by the insurer. Thus, the longer the term the premium is level for, the higher the premium, because the older, more expensive to insure years are averaged into the premium. Most level term programs include a renewal option and allow the insured to renew for a maximum guaranteed rate if the insured period needs to be extended. It is important to note that the renewal may or may not be guaranteed and the insured should review their contract to see if evidence of insurability is requierd to renew the policy. Typically this clause is invoked only if the health of the insured deteriorates significantly during the term, and poor health would prevent them from being able to provide proof of insurability.

Acey Deucey

Acey Deucey, also known as In-Between or Sheets, is a simple card game that involves betting. Before the action, each player must add their ante into the pot. Two cards are then dealt face-up to one player. That player then bets from nothing to the amount that is in the pot at the time whether or not the third card will numerically fall in between the first two. If the third card falls in between the two other cards, the bettor takes the amount he bet out of the pot; if the third card falls outside of the two other cards, the bettor must add what he bet to the pot; and if the third card matches the numerical value of one of the other two cards, the bettor must add to the pot double what he bet. If two cards of the same value come up, e.g. 2,2 the bettor picks if the next card will be higher or lower and bets. If the next card is the same as the last two, i.e. a 2, the bettor must triple his/her bet.

The rules and specifics of the game often vary from region to region. For example in Liaoning province, northeast China the minimum number of players is 4 and each player is required to ante before the first card is turned. Two cards are then dealt face-up to one player. That player then bets from nothing to the amount that is in the pot at the time during the first time around the table players are only allowed to bet up to half of the pot whether or not the third card will numerically fall in between the first two.

If the third card falls in between the two other cards, the bettor takes the amount he bet out of the pot; if the third card falls outside of the two other cards, the bettor must add what he bet to the pot; and if the third card matches the numerical value of one of the other two cards, this is referred to as a Post and the bettor must add to the pot double his initial bet. If two cards of the same value come up, e.g. 2,2 the bettor picks if the next card will be higher or lower and bets. If the next card is the same as the last two, i.e. a 2, this is considered a Post and the player is required to pay double the bet for the hand.

In addition to this, there is a special rule for Aces. If the first card turned is an Ace the player may choose its value as either the high Ace or the low one. If an Ace comes up as the second card turned it is always considered the high Ace. If a player Posts on an Ace they are required to pay four times their bet for that hand. Aces also cause an automatic loss if it is the third card turned when the first two cards are a match, e.g. 6,6. The best spread in the game is considered to be a low Ace on the left and a high Ace on the right. This is also one of the worst hands to get as you run the risk of the third card being an Ace and having to pay four times your bet for the hand.

Another variation is to split the cards if two end cards are the same value. This requires the bettor to ante in for two hands and the dealer would draw one more card under each of the end cards. After this, the same rules apply.

Poker Texas Holdem

Texas Holdem

At the beginning of a new game, each player is dealt two cards face down. (Hole Cards)

Each bet of the first two rounds of betting is set at the lower limit of the stakes structure. For example in a $5/$10 game, all bets and raises are $5 for the first two rounds (after hole cards are dealt and once the flop is spread in center of table).

The last two rounds of betting (turn card and river) are set at the higher limit of the stakes structure. For example in a $5/$10 game, all bets and raises are $10 for the last two rounds.

One bet plus three raises (four total bets) are the maximum amount of bets allowed per betting round. This would consist of (1) a bet, (2) a raise, (3) a re-raise, and (4) a cap. The term cap is used to describe the 3rd raise in a round since betting is then capped and cannot be raised anymore. Once any player has made the third raise (capped the pot), then players will have only the option of calling or folding.

Check-raising is allowed in all online poker games.

Dealer Button
In order to designate which player is the theoretical dealer in Texas Hold em games, a round disk is used. This disk is called the dealer button or simply "the button".

After each hand is completed, the button moves clockwise to the next active player and this player will be considered to be the dealer, and will act on his/her hand last on each betting round. This is also termed playing the button for that game.

Blinds
The player to the left of the button is first to receive a card and is required to post a small blind. The small blind is equal to half the lower limit bet rounded down to the nearest dollar. The player to the left of the small blind is required to post the big blind. The big blind is equal to the lower limit bet. These bets are referred to as blinds because players must post them before the dealer deals any cards to the players. These blinds are similar to the ante that is required in other games such as 7-Card Stud.

Both the small and the big blinds are considered live bets. They have the option of calling, raising or folding when the betting action comes back around to their position. After the flop and after each subsequent betting round, the first active player left of the button is first to act.

When players first sit down to play, they will be required to post the equivalent of the big blind only once or they have the option to "sit out" until it is their natural turn to post the big blind. This rule is in place to ensure game fairness to all players. The rule prevents the possibility of players entering games in late position and then leaving before they are required a post the big blind.

HOW TO PLAY
The dealer deals players their own two private cards face-down.

First betting round

The dealer spreads three-community board cards face-up on the table. This is commonly called "the flop".

Second betting round

The dealer turns over a fourth board card face-up commonly called "the turn card".

Third betting round

The dealer turns over one final community board card commonly called "the river card".

Fourth and final betting round

Players show their hands. This is commonly called "the showdown".

At the showdown, players may use a combination of both, one, or none of their hole cards to make their best five card hand:

If a player uses both of their hole cards, they will use three of the community board cards; or one hole card and four of the five board cards; or all five board cards, which is commonly called "playing the board" betting.

Red Dog Poker

Red dog, also known as red dog poker or yablon, is a game of chance played with cards. It is a variation of acey-deucey or in-between. While found in some land casinos, its popularity has declined, although it is featured at many casinos online. Confusingly, there are other card-based games of chance by the same name that are unrelated to the rules described here.

The deck used to play red dog is the standard, fifty-two-card variety. The game may be played with anywhere from one to eight decks, with an increasing number of decks decreasing the house edge — the house's advantage begins at 3.155% with one deck, but falls to 2.751% when eight decks are used. This is in contrast with some other casino card games, such as blackjack, where a higher number of decks used will increase the house edge.

The game only uses three cards at a time, which are ranked as in poker, with aces high. Suit is irrelevant. A wager is placed, and two cards are placed face up on the table, with three possible outcomes:

If the cards are consecutive in number for example, a four and a five, or a jack and a queen, the hand is a push and the player's wager is returned.

If the two cards are of equal value, a third card is dealt. If the third card is of the same value, then the payout for the player is 11:1, otherwise the hand is a push.

If neither of the above is the case for example, a three and an eight, then a spread is announced which determines the payoff a 4-card spread, in this example, and a third card will be dealt. Before dealing the third card, the player has the option to double his bet. If the third card's value falls between the first two, the player will receive a payoff according to the spread; otherwise the bet is lost.