Re: Basic (stupid) question about pot odds
The use of the terms "for" and "to" can be confusing. Whenever you say the odds as "to", in addition to the payoff you also get your original bet back. When you say the odds as "for", you don't count your original bet.
If I get five for one odds on a $10 bet, I'll get back a total of $50 if I win.
If I get four to one odds on a $10 bet, I'll get back a total of $50 if I win.
The ':' is used to mean "to" and is usually how poker authors describe pot odds. So, your pot odds are both 4:1 and five for one. (Without worrying about future action, if you think your chances are better than 4:1 to win, you should call.)
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