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Google’s first quarter profits reached a billion dollars, skyrocketing past what anyone expected. What’s weird is that in January, the company announced an earning forecast of $570 million and their computers replied, “Did you mean one billion dollars???”

The story of Spiderman is being made into a Broadway musical. Everything about the superhero will remain the same, except his name will be Gay Spiderman.

Former tennis stars Andre Agassi and Steffi Graf made headlines when during a fundraiser, Agassi hit Graf in the head with a racquet. It looked like an accident until he explained that their love in fact means nothing.

Crime-scene experts from Britain are introducing forensic techniques to the Iraq war zone. For added appeal, CSI star David Caruso may join, making the Pentagon nervous that the imminent third-degree sunburn to the redhead will count as another casualty.

Gerber has been purchased by Nestle, just when you thought American babies couldn’t get fatter.

After failing to make their respective playoffs, Columbus Blue Jackets General Manager Doug MacLean and Indiana Pacers coach Rick Carlisle were fired. In a force of habit, Alberto Gonzalez said, “I know for a fact that I had nothing to do with those. I swear.”

Defense officials announced that military combat tours will extend to 15 months. Attempting to be sent home early, some brave soldiers will begin calling Iraqis a bunch of nappy-headed hos.

The U.S. Postal Service unveiled a set of 15 commemorative stamps featuring Star Wars characters. Also for sale…a set of return-address stickers that read, “My Mom’s Basement.”

Several inmates in an Arkansas prison are enrolled in a course that teaches plant identification and intermediate horticulture. The warden said the program, “provides skills prisoners can use after they’re released”. Sounds like skills that got them arrested.

A stolen statue of Revolutionary War hero Nathan Hale was recovered in Connecticut. No one has been arrested yet, but the local police chief said, “I only regret that I have but one ass-kicking to give the guy who did this.”

Major League Soccer is building bigger stadiums, with some having over 20,000 seats. I think it’s time someone tell them the complete, unabridged quote from Field of Dreams… “If you build it, they will come….unless of course we’re talking about soccer.”

Members of the University of Nebraska’s rowing team were forced overboard into choppy waters when winds caused their boat to flip. After the harrowing experience, the crew was shaken, but their coach said, “That’s the most excitement we’ve ever seen in this sport.”

Def Leppard has announced plans for an upcoming tour. The band is combining its old age with corporate sponsorship to come up with a very appropriate tour name: “Pour Some Splenda on Me”.

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Arguably the most important thing you can do is to improve your credit score. Improving your credit score is a continuous process, not something that can be achieved overnight – you must persevere with it to get results. However, if you are taking the right steps, you will soon begin to see some small improvements. Having a healthy credit score will make a huge difference to your future financial dealings. We always recommend speaking to a qualified adviser with regard to putting together a plan to improve your credit score; however, there are some immediate actions you can take to put your credit rating back on track. These include: Get a copy of your credit report from each of the UK’s three credit reference agencies – Experian, Equifax and Callcredit – and check that the details they hold are correct (they may hold different details, so do get your report from all three, not just one) Regularly update the personal details held on your credit report Make sure you are registered on the electoral roll Keep track of your credit card balances; ideally try to always pay more than the minimum to drive the balance down, and take care not to go over your agreed credit limit Use your calendar to make sure you pay your bills on time and manage your monthly income Cancel all lines of credit that are not in use, such as store cards or ‘just in case’ credit cards (but see below for an alternative option) Build up a positive credit history; for example, if you have a credit card that you don’t use, rather than cancelling it, use it at least once a month, perhaps for buying petrol or groceries – but make sure you pay it off in full every time, don’t build up additional debt Resist the temptation to take out payday loans, as they are considered to be a red flag showing that you cannot manage your finances month to month Moving forward, leave any good debt on your report For more suggestions as to how you can repair your credit rating, check out our page of simple tips. Additional actions to take Something else to bear in mind if any missed payments show on your credit record is whether they were due to events outside of your control. If, for example, your employer went out of business, leaving you financially stranded, then you should contact each credit reference agency and explain what happened. They have the ability to add a note of correction to your credit file explaining the circumstances, which may well mitigate the effect of the default on future credit decisions. There are other things you can do that, while they do not in themselves boost your credit rating, will help you to avoid falling into future difficulties, and perhaps to pay things off faster. For example, take on some freelance work or a second job, or look for a job that pays more or is closer to home (so you save money on commuting). Make sure you aren’t paying more than you need to for things like your mobile phone, cable TV, fuel and broadband, and if you have a gym membership but can’t remember the last time you were there, cancel it. The more you have left after paying your bills, the better your chances of passing the affordability test. What is the affordability test? Every application for a mortgage or a remortgage is subject to an affordability assessment, and this is the case no matter what the credit status of the applicant might be. Potential lenders will look at income versus expenditure, taking everything into account, to arrive at a debt-to-income ratio. Since June 2014 the Financial Conduct Authority’s recommendation is that the debt-to-income ratio should be no higher than 45 for an offer of a mortgage or remortgage to be made. If you want to do a quick, rough calculation to see where you stand, then: make a list of all income you will receive over the year and divide by 12 (if all your income comes in monthly, just add it up) add up all your monthly bills – mortgage, credit card, etc. – then list all your other bills, whether quarterly, annual or whatever; add the monthly cost of these additional bills to your original total divide your monthly expenses by your monthly income and multiply the answer by 100, which will give you your debt-to-income ratio, expressed as a percentage The lower the number, the better. You can lower your debt-to-income ratio by either reducing your debt or increasing your income. What if you can’t wait for your credit score to improve over time? For those in need of a more immediate remortgaging solution, there are specialist lenders who work with applicants with low credit scores, offering deals that cannot be obtained from high street lenders. So if your need is urgent and you are asking yourself, ‘Can I remortgage with bad credit?’ the answer is ‘yes’. Get in touch today for free initial advice and no-obligation quotes from our team of experienced bad credit brokers. How can we help? Just Mortgage Brokers have experience of working with property owners at all levels, from those who are relatively new homeowners to highly experienced landlords with extensive property portfolios. We also have unlimited access to the UK mortgage market and many years of experience of working with a network of bad credit lenders across the country. That means we are not restricted to products from any one particular lender but can work with a diverse range of specialist lenders to secure the remortgage deal you require. This combination of impartiality and unlimited market access gives us the very best chance of obtaining a competitively priced bad credit remortgage. We know exactly where to turn to find a mortgage to suit the particular needs of each and every client, regardless of their credit history. If you have a history of bad credit and are looking to remortgage a property, speak to Just Mortgage Brokers today to get the right deal for you.

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