The GCS Giving Tree
“We make a living by what we get. We make a life by what we give.” – Winston Churchill
GCS will again be supporting Woodlands Shelter in Eagan this holiday season.
Dakota Woodlands is a pathway to sustainable and independent housing for homeless women and families.
3 PILLARS OF BUSINESS GREATNESS
hosted by GCS Title
What are your 2019 goals? Get more referrals? Grow your team? Increase your sales?
Achieving and maintaining a competitive edge is vital to the long-term success and relevancy of any business. While every organization is unique, yours has the ability to achieve greater results by focusing on the right combination of key factors – what we call The 3 Pillars of BUSINESS GREATNESS.
These pillars provide business leaders with the Shared Languages required for predictable and profitable growth. Position yourself and your team for success by mastering the higher art of leadership, the aviation skills of strategic planning, and the combustible power of selling.
You’re not alone if you are unhappy with your credit score. While increasing your credit score can seem difficult, it is easier than you think.
Why increasing your credit score matters?
Before learning how to improve your credit score it is important to understand why you should. Your credit score is one of the most important factors when it comes to your personal finances. A high credit score will help you qualify for lower rates on loans, credit cards that offer more favorable terms, better insurance rates, and a long list of other financial benefits.
A person’s credit score or FICO score is based on their payment history record and credit utilization ratio. FICO scores can range from 300 – 850, with 300 being extremely poor and 850 being nearly impossible to. The average credit score for Americans in 2017 was 704, which is considered good, but a score of 740 can significantly improve the home or car loan rates and credit card terms you can potentially qualify for.
How is a credit score calculated?
In a FICO scoring model, 35% of the credit score weight comes from payment history, 30% from credit utilization, and the other 35% from credit age, different types of credit, and number of inquiries. Carrying high balances on credit cards or simply having multiple credit cards in your name, along with many other factors – both positive and negative – can increase or decrease your credit score.
It’s a term we hear and see frequently – we see reference to it in the Sunday real estate section, in advertisements and in conversations with real estate brokers. If you’ve purchased a home before, you’re probably familiar with the benefits and procedures of title insurance. But if this is your first home, you may wonder, “Why do I need another insurance policy? It’s just one more bill to pay.”
The answer is simple: The purchase of a home is most likely one of the most expensive and important purchases you will ever make. You, and your mortgage lender, want to make sure that the property is indeed yours – lock, stock and barrel – and that no individual or government entity has any right, lien, claim to your property.