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It is covered in detail in my book, Handicapping the Wall Street Way: Picking Xtra Winners at the Track.
Here is how it works: Assume that through applying a long-shot angle, you have eliminated the non-contenders and are left with three horses. Although the value assigned is entirely at each individual handicapper’s discretion, it MUST be the same for each horse. However; even when we win while dutching, we will always have some losing tickets with this method.
Dutching is the professional handicapper’s equivalent to portfolio diversification. One of the greatest mistakes an investor can make is not properly diversifying his or her portfolio. Adequate diversification will include an increased number of investments, allowing those with upward price movements to offset those with downward price movements.
With a total outlay of fifty-five dollars, we would expect a profit of forty-five dollars whether Pisces Pleasure, Nostalgic Moment, or Trubble won. In addition, the profit will be approximately the same for each outcome, and you can predetermine it.
ODDSODDSAMT. To negate these fluctuations, one should endeavor to wait until the last possible second to place his or her wagers.
In handicapping, dutching allows a bettor to wager on two or more runners, at different odds, in the same race. The math for this is simple, but, in the interest of brevity, I am going to omit it here. For this example, I assigned a unit value of one dollar to each percentage point. The bets are made in proportion to each horse’s chances of winning, so that no matter which runner prevails, the payoff will be the same. This tell us what the market or pool says the real-time percentage chance each horse has of winning the race. It is not at all uncommon to see sizable fluctuations in the odds, especially at smaller tracks. . You are confident that one of the three will be victorious but have no particular bias toward any of them. BETPAYOFF
Just print the following chart:
As with the stock market, there is a certain degree of volatility in the betting pool. By placing a varying win bet on each of the three horses, the dollar amounts being dictated by the odds, you will realize a profit no matter which of the three wins. So, how do we know how much to wager on each horse in order to guarantee a profit? First, we need to convert the horses’ current odds into a percentage. Since dutching allows us to bet on three or four runners, obviously we have a better chance of cashing Xtra Winners
States such as California and New Jersey pay more than $50,000 to personal bankers, whereas, Texas and Ohio pay a little less ($40,000 p.a.) in comparison to the others. Bank of America considers these duties a must-have for every applicant who dreams of a successful banking career. Mergers, acquisitions, and unifications have taken up on more and more automated services, thereby, making it all the more difficult for a consumer to seek personal service with reference to banking. The more skilled a personal banker is, the more banking job opportunities he creates for himself.
In order to qualify as a personal banker, a banking aspirant need not require a proper college degree. However, it also depends on the city, and the bank one is working in. To start with, he advises his client to invest in options that make up for the most lucrative bets. Personal bankers, in simple terms, offer personal service to a selected number of clients with specific requirements with respect to banking. It is their duty to train the newbies in account representation along with other members of the branch, in order to effectively build up a team of skilled bankers. Lastly, he should be well-versed with all the banking bits and nuances, with the ability to deal with multiple clients at the same time.
Their average salary ranges well between $30,000 and $45,000 annually, to start with. The cut-throat competition between banks spurs demand for financial analysts and personal bankers, thereby, offering a number of career opportunities to banking aspirants. All in all, the following is a list of duties that make up for an all-inclusive job description of people in this field. Today, in order to minimize complications and introduce maximum assistance, banks all over the world offer the service of personal bankers for their users. However, many banks do require training in federal banking regulations, for the banking aspirant to have an idea of the kind of work he or she is going to deal with. Banks may have introduced services such as twenty-four-seven toll-free calling, online banking, ATMs, et al, for their consumers to seek assistance. Not to forget, he is fully knowledgeable about the various services and offerings the bank has to put forth, so that the client easily fetches solutions and answers for irrelevant charges and inexplicable faults that he experiences, time and again.
With proficiency in areas of a teller, a safe deposit, vault, processing lines of credit, discoursing credit applications, the resume of personal bankers is incomplete without the mention of effective leadership, training and support. The Bank of America itself states that a personal banker, on an average, mints good $39,000 on an annual basis. The personal banker is cognizant of the types of loans and mortgage alternatives that are available at the cheapest expense, and have full information on the current market trends. Instead, one just needs to have a high school diploma, along with prior experience in customer service and sales, so that it is easy for him to deal with a variety of clients. At last, it’s totally your call to make the most of the never-ending career opportunities that the world of banking has to put forth.
. The following content proffers information about their job profile, salary range in the field of personal banking, and job outlook for those looking forward to make a career in banking; personal banking, to be precise.
Job Profile/Nature of Work
A personal banker does a number of things. Hence, this allows banks to incorporate as many financial and insurance services to their clients. Take a look:
Primary and secondary responsibilities
Responding to customer needs and concerns
Quoting rates and programs for loan customer requests
Performing occasional sales reporting
Opening deposit accounts
Taking loan applications
Environmental and physical activities
Supporting fellow associates
The banking industry is prone to deregulation more than any other economic sector. As for now, job prospects are good, and salary range is all but disappointing for aspirants.
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For all individuals interested in the field of personal banking, the information presented above must have given a nudge in the direction of banking. However, in a world so complicated, customers often get irritated by the intricacies the world of banking holds, thus, wishing they had an individual to assist them on a personal basis. It is for those innocent consumers who, sometimes, are tongue-tied over why were they charged a certain amount for free service, or which is the best loan service they can opt for, that the job of a ‘personal banker’ holds utmost significance. For these banking professionals, the list of career prospects involves various opportunities right from the birth of an individual, up till their retirement. However, it would prove to be beneficial for the client only if the personal banker is well-versed with the money market rates, with zero flaws in the money market accounts
No registration is required on this Website. If you are thinking of playing Online Poker or Online Texas Hold’em then you should seriously consider visiting a Website that will help you improve your Poker skills . Registration is NOT required and our services are 100% free.
. There are plenty of Free Websites out there that provide tips, techniques, strategies and tricks for playing most of the online gambling games.
Whether you are a fan of online Gambling games, have some spare time to gamble or you are simply looking to make some extra cash from online Gambling, then why not visit a free Casino Guide website and start improving your Casino Game skills.
The importance of consulting a Website for free advice on Gambling tips and techniques for various Casino Games is high. This is especially the case when playing Online Poker and Online Texas Holdem Poker.
Scholarly and scientific evidence does not support the claim that Onine Casinos are more suspectable to money laundry than land-based gambling. Again, you should only choose free Websites.
A good Website to learn various techniques and strategies on most Online Casino Games as well as Poker Strategies, is keepitCasino.com. It is a known fact that winning in most Casino online games is at the hands of luck. According to scientists, online gambling can be better monitored and can be more controllable to avoid problem gambling than traditional forms of land-based gambling. keepitCasino.com was launched in 2011 with its main purpose of providing free educational material on most online Casino Games. It provides a wide range of information relating to online Gambling including tips, tricks and free Casino-game strategies. Traditional gambling devices, such as slot machines in casinos or video lottery machines at race tracks tend to be far more addictive than online gambling.
The Importance of improving your Casino Game and Poker Strategy skills before gambling
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Many of the Online Gambling companies and Online Casinos are perfectly legal companies that are being traded at stock markets around the world.
Since most Casino Games are based on luck, you should consider learning Poker and Texas Hold’em Poker where the need of luck is reduced by the skills and strategies of the Poker Players. There are various Websites that provide free information on how to play online Casino Games but more importantly, how to use various techniques and strategies to better enhance your chances of winning in these games. Don’t go for the Websites that ask for your money in exchange for some fundamental information relating to Casino Online Game tips or Gambling tips. Even if all casino games are based on luck, that doesnt mean that you could improve your possibilities of winning by using various techniques. Before betting on any online games, you should improve your skills by visiting a site that will guide you through these games. However, it is also possible to use some techniques to enhance your ‘luck’ or statistically improve your possibilities of winning
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Trial and error is the key to success, just remember to practice on free online games instead of the actual casino, this will help you think clearly and help you control your addiction.
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I made a ridiculous amount of money in the program. You see, Id bet on red and black. This means its possible to get a hundred heads in a row if you do it long enough, and believe it or not, thats what happened to me. A percentage of your trades will not work out.
Money management rules include defining your trading float, setting your maximum loss, calculating your stop loss, and most importantly learning how to choose your position size. I would then start to bet on black. When I first played roulette in a casino, I saw a string of 23 blacks in a row. After the ball had landed on black or red five times in a row, I would start betting on the opposite color. I trade everyday and my progressive efforts found the perfect trading card, a set system and plans that really work. If I was wrong, I would go ahead and double down, so that if I started my bet at one dollar, the next time I would be able to bet two dollars, then four dollars, then eight, then 16. Money management is a set of rules and guidelines that enables you to turn a profit. . I really thought I had the Holy Grail here. Once these rules are in place, its important to stay with them. I once thought I had a fool-proof way of making money on roulette. Id sit at the table. This is why money management rules are a critical part of any effective trading system.
You see, if were flipping a coin, heads has a 50 percent chance of turning up on each flip of the coin and so does tails. With this system, eventually Id win and Id come out one dollar ahead. They will keep you from making snap decisions, and playing the odds longer than you should. I went home defeated.
READ my articles; you’ll FIND the most powerful insider trading plans and tips ever put together. This is why it is so important to follow money management rules.
So, here I am at 23 and Ive set up my computer program to test my theory. Until recently, I’ve kept this formula to myself. Even if you have the worlds most accurate method, over time you will go broke if you dont practice good money management.
Why do these money management rules work? You know, its funny. But, if its so easy for an 23 year old to figure it out, why arent all the casinos out of business and why arent were all millionaires? Unfortunately, roulette doesnt work this way. These online trading systems are unbelievably powerful, lucrative, reliable, yet simple to use. Searching for these on your own, is a needle in a haystack (hard to find). NOW, I reveal all.
Lets say I had five reds in a row. By being triumphant with your money management skills, you can keep your risk at a level at which youre comfortable with, keep from making poor trading decisions, and ensure you dont loose your trading capital. The key to making this money is to respect the risk that is part of the market, and manage it. The last coin toss has nothing to do with the one before it, each flip is a random event. A certain percentage will not go in your favoured direction, and the next trade has nothing to do with the last one. But, each flip is independent of the last.
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The first point to mastering money management is that you have to understand when youre trading on the stock market is that you are playing the odds but unlike many forms of gambling, you can make money
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The very high and rather rare handicap of 1.75 given by the bookies seemed to confirm this fact. Also, sometimes the big bookies intentionally let the public have a good week or two (rarer and rarer though) -to let losses wipe out the smaller bookies and throw off anyone who’s on to their game. Ever notice how top teams quite often (not always) beat bottom ones by small margins? Chelsea won 1-0.
That was the most common scenario. Sometimes, even the bookies/big boys make mistakes or events occur which have not been expected. This is not for every match so just be on the lookout for unusual activity. Punters missed this opportunity to win from betting on their favourites but they noticed the scoreline and regained their confidence in the favourite again. This is where the public can lose if they bet on favourites who win by just goal.
UEFA Match Day: 17 Mar 2005
Sporting Lissabon vs Middlesbrough 2.05 0 : 1/2 1.85
We do not know what the bookies know but the final score?
Not much movement in the odds (above) to suggest heavy backing of Valencia by the public to warrant such a handicap.
Although the position that bookmakers take in public relations exercises is that they stand to make the most when there is an equal amount of bets on both teams in a match, the reality is that sometimes bookmakers think that a certain outcome is likely and use the odds as a psychological tool to draw the public into betting on the team they think will lose.
Valencia vs Getafe 1.975 0 : 1 1.925
The bookies need to let the public win sometimes. . When you see particularly heavy betting on weak teams, check the various factors and if you realise there’s no reason for it, be aware of such ‘big boy’ action going on. It is up to you to identify them based on researching the usual factors and the odds. There the bookies go again. (This take some experience and study.)
SPL Match Day 20 Mar 2005
Score? Chelsea 4, Palace 1.
Odds and their movements present a unique opportunity to gauge what the bookie thinks and how the markets react to them. The bookie is seducing you to bet on the underdog. So look out for favourable opening or early odds on these teams which eventually climb to normal levels when the match is about to start.
You can tell that most of the public are betting on a team when the price and odds on the team gets less favourable.
The bookies met two objectives with this match.
Sporting Lisbon had won the previous reverse fixture 3-2. Some of them even bet on Palace, evidenced by slightly dropping prices on the underdog, thinking perhaps Chelsea were losing their form. Hone your analytical skills and try to think like the bookie. Sporting Lisbon is a fine team from Portugal but relatively unknown when compared to Middlebrough even though they have produced some of the best known names in football currently like Luis Figo and Cristiano Ronaldo. Punters were sure Boro would go all out to win this match to avoid disqualification from the UEFA Cup.
Well, we do not know the answer to that but we know that when a relatively well-known team is given a 0.5 handicap by a less-popular team, everybody bets on the popular team, confident that they can at least draw with the ‘obscure’ team. Is there something that most of the public wouldn’t know? If the non-favourite team exhibits traits that could help them win (or draw) or if the favourite team has some factors going against them, bet on the underdog just like the bookie, when the betting public is going heavy on the favourites.
As the public likes to bet on favourites most times and these favourites do not lose or draw often enough for the bookmakers’ appetite, it makes sense that they use this psychological function mostly in Asian Handicap odds. Check for Class, Form, Motivation and other factors as described in THE GUIDE.
Chelsea was giving the same 1.75 handicap to West Brom the previous EPL fixture and won the game 1-0 with a single goal from Didier Drogba. Well, if so, why were the bookies so kind as to award Boro a 1/2-ball handicap?
Study the movement of the odds.
Sometimes, the big odd movements are caused by these parties (less often) and not by the betting public. In this case, go with the flow of the betting. Punters lapped this up, confident of a sound trashing of WBA by Chelsea and bet on Chelsea despite the high handicap. When? When the action is low.
When you see odds like these, you first have to recognize certain factors outside the movements of these odds.
The Other Parties Involved
Take note however, that on any matchday, there is seldom the case that all the favourites fail to clear the handicap, even when the public is betting heavily on them. They confused the public with the same handicap and the same team at different times and the favourites won heavily without much betting on them. When you see little action on popular favourites from the odds movement and the asian handicap is reasonably high against the favourites, you might choose to bet on the favourites then. Naturally, punters shied away from backing Chelsea this time, afraid of a similar scoreline with another relegation struggler, Crystal Palace. This is the psychological function of the odds used to the fullest by the bookmakers to fool the public.
You have to question just why Valencia was giving a one-ball handicap when Getafe was in hot form. This was even though they had won their previous game. That is, bet on those teams which are being bet heavily on.
There is no such thing as a foolproof method.
Valencia had just lost their last game and Getafe was getting known as a giant-killer, beating Real Madrid and Athletic Bilbao and drawing with Deportivo and Real Betis recently the previous four games.
- Beating the Big Boys at Their Own Game! Background
Final Score: Valencia 3 Getafe 1
You can tell what the bookie is trying to achieve from the early odds. Try not to get trapped in this hidden but vicious cycle. Study it over two or three days.
Normally, the bookie likes to lay traps on favourites and popular teams which the public likes to bet on. Check for large trends once or twice a day for three days and check the odds a last time an hour or two just before the match. A one-ball handicap was a lot to give for a separation of just 7 places.
Considering how the bookie always wins from the general betting public in the long run, it is wise to piggyback on the bookies’ predictions by considering how they market the odds.
Sporting 1 Boro 0.
People tend to bet on teams they know and think of less heard-of teams as not up to par. If everyone there seems to say they are betting on one team but the betting odds prove that money is being poured on the other, you will know that the heavy betting is not done by the Joe Publics. Chelsea was then leading the table with 8 points more than the nearest contender for the title, Man U. However, there are other parties around – big timers with inside knowledge, betting syndicates, match-fixers, etc who are not necessarily friendly to the bookie.
We reason, ‘Hey, if they’re that good, I would have heard more of them, right?’
EPL Match Day: 19 Mar 2005
Chelsea vs Crystal Palace 2.05 0 : 1 3/4 1.85
Valencia vs Getafe 2.00 0 : 1 1.90
Exploiting the Odds
As always, when unsure, lay off.
How do you tell if people have fallen for the trap?
Middlesbrough, in that season, was an upper mid-table team in the English Premier League, the most popular league worldwide. Take note of heavy action where odds or prices have big movements. If the top of the table-team is giving a ball handicap to the number two team in the table, it is usually too high.
Note: For the study of odds movements, we approach match analysis with a conspiracy theory kind of angle and assume that bookmakers have insider knowledge or are almost able to know outcomes of games based on connections or highly qualified handicappers, researchers etc on their payroll or both.
How do you make sure that the heavy betting is by these big boys in the know? Check out the forums. Expectations was that Chelsea would trash WBA, who was a relegation struggler.
Check match facts against the odds movements. A check with the odds confirm that prices on Middlesbrough are getting lower.
On the whole, however, it is a very accurate way to predict winners based on the number of winning bets this has produced for some pro-bettors.
Verdict: Bet Valencia
Valencia was 6th and Getafe 13th on the Primera Liga table.
Knowing that the memory of this was still fresh in the minds of punters, bookmakers posted the same opening handicap for Chelsea the following week at 1.75.
Remember that mastering this is something of an artform and takes some time and experience to get good at. Some will clear and some won’t most match days