So how do you use this information? Simple. Pick area you think 'cluster' will occur this week. If it was heavily low numbered last week, for example, you may want to try high numbers this week. Choose your first number using your usual method, and make it fairly low. You then pick a second number that is only a few digits away, as this is statistically where likely grouping will be. Repeat for other numbers. What you end up with, is a cluster of numbers, of course. What you now have to do is 'spread em out a bit' so you have a couple of 'outliers'. If you think this weeks draw will be clustered at high end of numbers, and your picks reflect that, drop one or two of them and replace with numbers from other end of spectrum.

As detailed above, you can expect 3 or 4 numbers per draw to have a gap size of 1-5. If you have clustered in right area, and have positioned your outliers correctly, you can significantly increase chances of a 4 ball or higher strike.

These lenders generally specialise in making bad credit loans that are substandard by normal banking criteria, and that traditional banking community passes up because borrowers' previous credit is poor or there is not enough collateral.

Since these lenders make these substandard loans, financial regulators allow them to charge much higher interest rates than regular banks can charge.

Though these lenders make bad credit loans other lenders won't touch, each has its own acceptable criteria. One major advantage of using alternative sources of capital is that they may make you a loan when no one else will. And, of course drawback is that you will pay a very high interest rate for privilege of borrowing.

Interest rates on bad credit loans can be higher than other personal loans because of perceived risks to lenders, but they are a readily available alternative source of funding for people affected by poor credit ratings.

Banks may be more selective of their loan applicants. Since banks tend to be more cautious of their investments, they are less likely to offer loans to those with bad credit ratings. You might need to prove that you can repay loan.

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