Contests do not need to be fully completed in order for bets to have payout. NFL and College Football games are considered official wagers when 55 minutes have elapsed.
For professional basketball games its after 43 minutes of play.
After 35 minutes of play, in college basketball games.

The 1st 1/2 of football and basketball contests have to be completely finished. 1H wagers have action.

In addition to wagering on the whole game, you can bet the second half 2H as well as fourth quarter. (Quarter 4) overtime factors into your wager.

A good site for advice on your sports wagers check out http://nflpick.us


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