Question:    Should I take "even money" when I have Caribbean Studs Poker and the dealer shows an ace?

Answer:    In taking even money, you are simply accepting the insurance side bet. This means that you bet half of your original wager and get paid 2 to 1 if the dealer has Blackjack. Whether the dealer has Caribbean Stud or not, the net effect of placing the bet is that you get paid even money. However, you will win more than even money over the long haul if you don't take the insurance side bet.