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“How I Raised My Credit Score by 126 Points Since May 2, 2024, with Kikoff—And My Strategy for Smart Credit Card Use“ - By Bishop Martin Wilson

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Building a solid credit score can be a game-changer, and I’m proof that with the right strategies, you can make significant progress in a relatively short period. Since May 2, 2024, I’ve boosted my credit score by an incredible 126 points, thanks to a combination of using Kikoff and managing my credit cards wisely. During this time, I also had increases to my credit limits and opened another credit card, which helped me further optimize my credit utilization ratio and keep my score on the rise. Getting Started with Kikoff After a friend recommended Kikoff, I signed up to see if it could help improve my credit. Kikoff offers a low-cost line of credit that’s reported to the credit bureaus, which helps build a positive payment history over time. The app was straightforward, and I appreciated the affordability and ease of managing payments. But one of the most important lessons I learned through this experience was the value of monitoring my credit utilization ratio. Why Credit Utilization...
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The Benefits of Buying Regularly and Holding Cryptocurrency

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Cryptocurrency is becoming more popular as a way to invest, but it can be confusing and unpredictable because prices go up and down a lot. One smart strategy that works well for many investors is to buy regularly and hold onto their cryptocurrency for a long time. This is often called the "HODL" strategy. In this article, we’ll explain why buying regularly and holding onto your crypto can be a good idea. 1. Dealing with Price Swings Through Dollar-Cost Averaging (DCA) Cryptocurrency prices can change very quickly, which makes it hard to know the best time to buy. Instead of trying to guess the right moment to invest, you can use a method called Dollar-Cost Averaging (DCA) . How DCA Works: With DCA, you invest the same amount of money at regular times, like once a week or once a month, no matter what the price is. This way, you buy when prices are both high and low, and it balances out over time. Benefits of DCA: Less Stress : You don’t have to worry about guessing when prices...
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“Credit Card Utilization”by Bishop Wilson

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Credit card utilization is an important part of managing your credit card. It sounds complicated, but it’s actually pretty simple. Let’s take a closer look at what it means and how it affects your credit score. What Is Credit Card Utilization? Credit card utilization is how much of your credit limit you’re using. Think of your credit limit as the maximum amount you can borrow on your card. The percentage of how much you’ve spent compared to your limit is called your credit utilization. Here’s how to calculate it: If your credit card has a limit of $2,000 and you’ve spent $400, your utilization is 20% ($400 divided by $2,000). If your limit is $1,000 and you’ve spent $300, your utilization is 30%. If your limit is $500 and you’ve spent $100, your utilization is 20%. Why Is Credit Card Utilization Important? Keeping your credit card utilization low is important because it shows that you’re not relying too much on your credit card. When lenders, like banks, see that you don’t use too much...
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“Why Credit Untilization Matters!” By Bishop Martin Wilson

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Credit utilization is one of the most significant factors that affect your credit score. It refers to the percentage of your available credit that you’re currently using. Maintaining a low credit utilization rate is crucial for keeping your credit score in good shape. In this article, we’ll explain what credit utilization is, why it’s important, and how you can manage it effectively. What is Credit Utilization? Credit utilization is the ratio of your credit card balance to your credit limit, expressed as a percentage. It is a key component of the “amounts owed” factor, which makes up 30% of your credit score. A lower utilization rate suggests to creditors that you’re managing your credit responsibly and are not overly reliant on credit. Formula to Calculate Credit Utilization: For example, if you have a credit card with a $1,000 limit and your current balance is $300, your credit utilization is 30%. Why Does Credit Utilization Matter? Credit utilization gives lenders a snapshot of how ...
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Why Deliverance is Rarely Seen in Today’s Churches by Bishop Martin Wilson

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Deliverance ministry, once a staple in many churches, has become a rare sight in today’s congregations. While it might seem absent in many services, the reality is that deliverance often happens quietly or behind the scenes. However, with the release of the new Netflix movie The Deliverance, the topic of spiritual warfare and demonic oppression has gained renewed attention. The film, which portrays a powerful story of deliverance from demonic forces, reminds us that the supernatural battle is very real—and that the church must not shy away from addressing it. But why don’t we see deliverance as openly in churches anymore? To fully restore deliverance ministry, churches must embrace four critical values—a “4x4” approach that creates an environment for the power of God to work. 1. The Importance of Passionate Prayer A church that lacks fervent prayer lacks the spiritual power to confront demonic forces. Prayer prepares the atmosphere for God’s presence to manifest, and in that presence, ...
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“The Meaning of Labor Day: A Christian Perspective” - Bishop Martin Wilson

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Labor Day can resonate with Christian values through the lens of work's significance and the dignity of labor. Reflection on Work Labor Day serves as an opportunity for Christians to reflect on their work as a calling from God. Billy Graham emphasized that this holiday should prompt believers to view their labor from God's perspective, recognizing that work is a means of serving Him and contributing to the community[1]. The Bible reinforces this idea, as seen in Colossians 3:23-24, which encourages individuals to work heartily, knowing they serve the Lord[1]. Advocacy for Justice Additionally, Labor Day highlights the importance of advocating for workers' rights, aligning with biblical teachings on justice and care for the marginalized. Proverbs 29:7 notes that the righteous care about justice for the poor, encouraging Christians to support labor movements that seek fair wages and safe working conditions[2][3]. Celebration of Rest Finally, the holiday also emphasizes the ne...
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What Is the Spirit Behind False Prophets? By Apostle Martin Wilson

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  Even from biblical times, there have been those who falsely claim to speak on behalf of God to deceive others and edify the kingdom of Satan. Indeed, the phenomenon of false prophets misleading people in God's name is not new. Throughout biblical history and beyond, individuals have claimed divine authority to manipulate and mislead others. Let's explore this further: Biblical Examples of False Prophets In the Old Testament, the Bible records numerous instances of false prophets. For example, in 1 Kings 22, we see the story of King Ahab and the 400 false prophets who told him what he wanted to hear, leading to his downfall. In the New Testament, Jesus himself warned about false prophets. Matthew 7:15 "Beware of false prophets, who come to you in sheep's clothing but inwardly are ravenous wolves." The apostle Peter also cautioned about false teachers in 2 Peter 2:1–3. Characteristics of False Prophets Deception False prophets often employ deceptive message...
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