The game is black jack. The dealer has been hot

Take all the time you want to decide what to do that's the beauty of online black jack

Dealers up card shows a 2,3,4,5,or six, you have 13. He has to hit and the odds say he'll draw a 10 and bust. What do you do? Hit or stay? Play the odds and stay pat.

Dealers up card is 7 or better, you have 16 or less, what do you do? Odds are he'll have a 10 in the hole, however if he has less than 10 he must draw a card and maybe bust. Now what do you do? Assume he's got a 10 in the hole and take a hit, you can only bust once.

Dealers up card is an ace you have 20, do you take insurance or take a gamble? Take the gamble, insurance is not a good bet. Play him head to head your 20 against his ace, if insurance was good for the player it wouldn't be offered.

Some thoughts on the game of black jack
Odds and probabilities weigh heavy in any game of chance and black jack is no exception to this rule. For example probability tells us that a 10 count card will appear at the rate of 1 out of four cards. That is to say that over time this ratio will prevail.

The only thing a player knows for sure is that the dealer must hit 16 but cannot hit 17 or higher. The rest is all a matter of probabilty and the more the player understands and knows about probability the better he will play any game of chance including black jack.

Card counting, if practised in a disciplined and professional manner, can give the player a slight edge over the house and over the long haul. Unless you are very astute with a great memory under pressure don't even attempt card counting.