I have been working on a system. First month 49 bets, made 42% profit. Second month, 48 bets, made 20% profit. Third month is looking very good so far, It's looking better than the first month. If so I will up the ante provided third month shows a profit. Am no maths genius but the odds are good. This will be a far greater return than any 90 day investment in the bank. Yes, sometimes it does pay to speculate in order to accumulate.