Bankrolls
That the player is winning "decently"
is not the only information needed.
What people consider a decent win
rate varies from game to game, and person to person. Winning 6 big blinds/100
hands is decent in a tough online HSNL game. Winning 30 big blinds/100
hands is decent in a soft online microstates game. The difference changes
the bankroll requirements by a factor of 5.
Multitabling does not intrinsically
change the bankroll requirements. However, those who play 10 or more tables
usually accept much lower win rates as "decent" than those who play 1-4
tables at the same level.
The standard deviation varies tremendously
from player to player and game to game. Some full ring players have a SD/100
of 60 big blinds or less. Some shorthanded players have a SD/100 of 160
big blinds or more. (See the stats threads in the strategy forums.) This
difference means a factor of 7 difference in bankroll requirements for
the same win rate.
Bankrolls also mean different things
to different people. If you can move down to a profitable game with lower
stakes, and are willing to do that when you hit a downswing, then you can
be safer with less. See the question by Gonso that I answered for an example
where moving down can make someone as safe as though his bankroll were
multiplied by 5.5. Of course, for some people (particularly those playing
for low stakes), busting out is a temporary inconvenience instead of a
disaster, which means that they can be far more aggressive.
These are why 20 buy-ins can range
from overly conservative to dangerously unsafe, even for "decent winners."
Offering 20 buy-ins as advice to everyone is like saying it is 4:00 whenever
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