Wilson Leadership Institute

🧬 MARRIAGE CODE By Bishop Martin Wilson 

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...

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...

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...

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 ...

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, ...