Wilson Leadership Institute

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,

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