THE THREE Cs OF CREDIT

 

                                       The Three C's of Credit

 Character:

refers to how a person has handled past debt obligations: From the credit history and personal background, honesty and reliability of the borrower to pay credit debts is determined.

 Capacity:

refers to how much debt a borrower can comfortably handle. Income streams are analyzed and any legal obligations looked into, which could interfere in repayment.

 Capital:

refers to current available assets of the borrower, such as real estate, savings or investment that could be used to repay debt if income should be unavailable.

Kolo by Real Onyechi.

 

https://madnaija.xyz/Hit/datas//2022/08/Realonyechi_-_Kolo.mp3

SERMON AT THE LORD OF HOSTS MIRACLE CHAPEL

 

SUNDAY SERVICE AT THE LORD OF HOSTS MIRACLE CHAPEL. Sunday 5^th September, 2021.

Calvary greetings brethren.

Below is the sermon today at The Lord of Hosts Miracle Chapel, 52 Road, A close, House 32, Gowon Estate, Egbeda, Lagos.

Theme of sermon: Church attendance

Texts: Matt 18:19-20, Eph 1:22-23, Eph 4:11-12

I give God all the glory and accolades for giving me the rare privilege of preaching the sermon to the church congregation on the first Sunday of September 2021. I am most grateful to the almighty God.

Two key words in the caption readily come to mind namely church and attendance. A church is a place where people gather to worship God. In other words, it is a fellowship centre, not necessarily the building you are seeing physically.

Attendance is the act of being physically present at an event or go regularly to the place. In the new testament the church is referred to as the body of Christ. Check the passages. Church attendance is the foundation for Christian life.

Again the church is a meeting place. That means it can be in your living room, your neighbourhood or a designated place.

HOW DO YOU ATTEND CHURCH?

1.   You come to church early. If you come late to church the angel assigned to take attendance will mark you absent. There is no reason for you to come late to church. Not even rain, hold up or distance. I adjusted my schedule to meet up with the resumption time in my former company. If I can adjust my time schedule to please my former boss, why can’t I do more than that to please God.

2.   You must participate in all the activities of the day, especially if you are a worker. Make some notes of Sunday school teachings, bible study and of course main sermon.

3.   Do not resort to gossip. Comport yourself. Keep a dignified silence when somebody wants to engage you in gossip.

4.   Obey ushers while in church. If you disobey them, you are disobeying constituted authority. You are invariably disobeying God.

5.   Pay attention on what is being said or taught in church. Make some notes for your review at a later date.

BENEFITS OF CHURCH ATTENDANCE

1.   Church attendance connects us to God. It gives us a physical space to connect and draw closer to God. It opens us up to God in order to understand His message to us.

2.   Church attendance gives us a chance to reflect on gratitude. Some members of the church that left exhibited the height of ingratitude for what they gained from the church. They are definitely not sincere in their church attendance.

3.   Church attendance connects us socially. You make new friends in a new environment including church. Some people meet their spouses in the church. Some people meet their mentors and benefactors in the church.

4.   Church attendance makes us to feel reverence. It gives peace of mind. It affords us a place to pray and express humility and gratitude.

5.   Church attendance provides us with opportunity to give back. Our church is a cheerful giver. The church pays school fees for some people, give some members transport fare, pay rent for some members, buy clothes and furniture for some members. It is only expedient for such members to reciprocate the nice gesture of the church.

6.   Church attendance helps us to find the lesson in our trial. At The Lord of Hosts Miracle Chapel, the spirit of God uses the woman of God to give messages to members with a view to proffering solutions through fasting and prayers.

7.   Church attendance teaches us forgiveness. Forgiveness is the hallmark of Christendom. You must learn how to forgive. Jesus told Peter that your brother will offend you seventy times seven times and you must forgive. Matt 18:21-22.

DISADVANTAGES OF SKIPPING CHURCH.

1.   We miss out on worship. God requires us to attend church so that we can worship Him. Rom 12:1

2.   We miss out on spiritual growth and capacity. The church is the body of Christ. When we are in union with fellow believers we are in union with Christ

3.   We miss out on an opportunity to minister to others. The bible enjoins us to serve and minister to one another. James 5:16. Confess your sins to one another and pray for each other so that you may be healed.

4.   When we skip church we disobey God’s command. Church attendance is the formal gathering of God’s people for worship. We are commanded not to neglect meeting together. Heb 10:25.

WHAT TO DO AFTER ATTENDING CHURCH.

1.   Reach out to people that are absent from Church and by so doing you are evangelising and winning souls for Jesus.

2.   Go to church with an open mind. Do not be dogmatic with your beliefs. Open yourself up and grab the vibrations coming out from the alter.

3.   Dress up a little. It is customary to wear nice clothes to church. Churches have dress codes. Here in LHMC women do not wear trousers to church. They must have their hair and shoulders fully covered. On the other hand men do not wear shorts or cap. If you are not sure especially if you are new member ask questions.

4.   Pay attention and follow the lead of others. Nobody knows it all. Ask questions if confused of anything.

5.   Talk to someone about joining the church. By so doing you are increasing the number of worshippers and it will be marked for you in spirit.   

6.   Volunteer your time, your talent or your finance in the service of God. Do not be docile while in church

To conclude, the following points are things church members must understand.

1. When you miss church nobody is losing but you.

2. When you withdraw as a worker, God replaces you on time to the point you become irrelevant.

3. When you deliberately refuse to support church projects, God raises other better and serious givers.

4. When you start fighting the church, God sees you as an enemy.

5. When you leave church more serious people come in.

6. When you eat your tithe and offering and sacrifice, the grace on the church stops working for you.

7. When you gossip your church to other members or outsiders, you become a rebel and a disloyal worshipper.

8. When you speak evil of the church, the angels working with the church withdraws from you. Very serious. Bad case!

9. When you do not want control, discipline and correction from the church, you are prone and closer to danger.

10. Your church is the symbol of the ministry’s mantle and mandate and not you, so with or without you, the work of God will succeed. See yourself privileged to be part of God’s programme.

Those who fight the church do not end well. May we not fall in that category in Jesus Christ name. Amen

Sermon by Elder Jerome C. Njoku.

A GUIDE FOR PRAISING GOD

MIDWEEK SERVICE AT LORD OF HOSTS MIRACLE CHAPEL.

The teaching today 26^th February, 2020 at The Lord of Hosts Miracle Chapel, plot 116, 5^th Avenue, Beside Okiki Hall, Gowon Estate, Egbeda, Lagos.

Theme: A guide for praising God.

Text: Ps 150

This psalm is the whole gamut of praise, joy and worship. Some scholars have described psalm 150 as the grand finale of the psalms, like those final bursts of light and colour at the end of a festival. Others call it a guide for praising God, while some others call it ‘let your balloon go!’ The psalm begins with the phrase ‘praise ye the Lord’

The psalm answers four of the basic questions about praising God namely

1.   Where do we praise God –

a.   In the sanctuary – Vs 1 says praise ye the Lord, praise God in the sanctuary. The Hebrew word sanctuary means a place set apart, a specific place where believers gather to worship the lord. We should worship God privately and in public. Every service should be praise and worship.

b.   In the firmament – the sanctuary is not the only place where God is to be praised. The last part of vs 1 says ‘praise God in the firmament of His power’. The Hebrew meaning of firmament is expanse. That means heaven. In Gen 1:8 we are told the expanse of God’s power is unlimited. Wherever His expanse of power exist He should be praised there. The expanse of God’s power is everywhere and so wherever we find ourselves we should praise God there.

2.   Why should we praise God –

There are multitudes of reasons why we should praise. Vs 2 of psalm 150 says ‘praise God for his mighty acts: praise Him for His excellence of His greatness.

a.   For what he does – one mighty act of God was when He colocalised situation of His people to set them free from Pharaoh. But when Pharaoh changed his mind and pursued the Israelites to recapture them, God did a mighty act by dividing the red sea to consume the Egyptians.

God through Elijah on mount camel did a mighty act to show Himself and subdued the prophets of Baal.

Our Lord Jesus fed 5000 people with just 5 loaves of bread and 2 fishes just by giving thanks and praising God.

b.   For who He is – we have to praise God for who He is. Praise Him according to His excellence of His greatness. He is the creator and sovereign of the universe. He is all wise, all powerful and He is loving and merciful.

3.   How do we praise God –

a.   With instruments – vs 3-5 says ‘praise God with instruments and organs. Praise Him with your voice. Make a joyful noise in praising God.

b.   Praise God with dance - Vs 4. Also Ecl 3:4 says there is time to mourn and time to dance. Much as we are not given any specifics as to how to dance in praising God, however because of what the bible teaches about modesty and purity, we know that any dancing which praises God must be chaste and wholesome, and never suggestive or provocative. We should remember that King David so danced to the Lord that his royal apparel fell off but that was unconsciously and should not give anybody the impetus to dance naked. Don’t dance azonto or skelewu while praising God. Follow the injunction in 1 Corr 14:40 to wit ‘let all things be done decently and in order.

4.   Who should praise God –

a.   Heavenly Hosts – vs 6 of ps 150 says ‘let everything that has breath praise the Lord. Praise ye the Lord’. Both living things and inanimate things are enjoined to praise God. Ps 148:1-5.

b.   Human beings – the emphasis in vs 6 is for everything that has breath to praise God. Regardless of location, age, race, background, economic status, health conditions or anything else, everyone has reasons to praise God.

To conclude, if you know Jesus as your Lord and Saviour, if your life is linked trustfully and obediently to Him, then however tough things get, and whatever losses you have incurred, and however much your heart may be breaking, in spite of it all, you can still sing through the tears, you can still sing in spite of pain. You can still praise God, because you have got Jesus in your heart to strengthen you, sustain you, comfort you and guide you and then take you home to heaven when this earthly struggle is over.

Phil 4:6-7, Paul wrote ‘Be careful for nothing, but in everything by prayer and supplication with thanksgiving let your request be made known unto God. And the peace of God which passeth all understanding shall keep your hearts and minds through Christ Jesus’

The following poem is apt –

Praise God from whom all blessings flow  

Praise Him all creatures here below

Praise Him above, ye heavenly hosts

Praise Father, Son and Holy Ghost

Amen.

Sermon by Elder Jerome C. Njoku.

ONYINYECHI song number 3

GIVING WITH ALL YOUR HEART

MIDWEEK SERVICE AT LORD OF HOSTS MIRACLE CHAPEL.

The teaching today 2^nd Oct, 2019 at The Lord of Hosts Miracle Chapel, plot 116, 5^th Avenue, Beside Okiki Hall, Gowon Estate, Egbeda, Lagos.

Theme: Giving thanks with all your heart.

Text is from 2 Corr 9:7

“Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.” NLT

Thanksgiving is something we should do every time and day. In the good or in the bad, in the ups or in the downs, our natural response must be gratitude.

There are examples of people who uniquely gave thanks with all their hearts in the bible. I have five of them. The list is not however exhaustive.

1.  

Hannah – The story of Hannah is well known. She is one of two wives of Elkana. While she was barren, her mate Penninah had children. Hannah was always reviled, maligned and mocked by Penninah because of her barrenness. This prompted Hannah to go to God in prayers. Her prayer was so fervent that the priest Eli thought she was drunk too early in the morning. She asked God for a child (not Children) and made a promise to give God the child back. God answered her prayer and she fulfilled her promise. She gave with her whole heart!

2.  

David – David danced before the Lord in the streets as a response of praise to his holy God. David is a man known for praise. Even in the darkest season of his life, he pointed to the goodness of God. He gave thanks to God always with his whole heart.

3.  

Mary the mother of Jesus – Finding out she was pregnant with the saviour of the world wasn’t the easiest news to swallow and the aftermath took some faith. But Mary the young girl chosen to carry the baby Jesus would exemplify great praise. While visiting Elizabeth who was also carrying John The Baptist same time, Mary had a moment to sing to the glory of God in Luke 1:46-55. That song is celebrated today as the canticles of virgin Mary otherwise known as Magnificat. Mary gave thanks wholeheartedly!

4.   

The healed leper – In Luke 17, when Jesus entered a village there were ten lepers that called out to Him for healing. Jesus told them to go and show themselves to the priest and as they did, all ten were healed. However only one returned to Jesus to give thanks. The other nine vanished into the crowd, only one gave thanks where thanks were due, and his healing was made permanent. May we not behave like the nine lepers in Jesus name.

5. 

  Jesus – Jesus is God and by that he didn’t have to give thanks for anything, but he did. Jesus set a remarkable example for us in many ways but one was in thanksgiving. He was a man who gave thanks to His father in so many ways.

·        He gave thanks to God as He was surrounded by thousands of hungry people and five loaves of bread and two fishes were multiplied to feed 5000 people. John 6:11

·        He gave thanks to God for hearing His prayer for raising of Lazarus, before Lazarus was raised from the dead. John 11:41

·        He knew the cross was before Him and gave thanks to His father as He broke the bread and drank the wine with His disciples at the last supper.

To conclude – We have a perfect example of righteous living from our Lord Jesus and one thing He shows us is the position of praise and thanksgiving. In all the instances as highlighted were instances of tense. The pressure to feed 5000 people, raise a friend from the dead and face death on a cross will be intense for most of us.

Jesus’ response was not to panic or run to people but to turn to God. No matter what situation we find ourselves whether good or bad we should cultivate the natural response of thanksgiving.

May God help us and give the grace to always cultivate a natural response of quality praise and thanksgiving offering to Him all the time in Jesus mighty name. Amen.

Sermon by Elder Jerome C. Njoku.

EIGHT YEARS ANNIVERSARY OF LORD OF HOSTS MIRACLE CHAPEL

THE LORD OF HOSTS MIRACLE CHAPEL. Sunday 9^th June 2019.

Calvary greetings beloveth.

Today’s service was very memorable and unique. The reason is that on 8^th of June 2011, Lord of Hosts Miracle Chapel was officially institutionalised as a spiritual church by God Himself. The chapel was hitherto operating as a prayer centre anchored by the woman of God seer Bright Ndibunwa. It is on that note that today’s service was dedicated to marking 8 years anniversary of the church.

 Below is the sermon today at The Lord of Hosts Miracle Chapel, plot 116, 5^th avenue Gowon Estate, Egbeda.

Theme: Abraham’s timely obedience to God’s call. (Bright Ndibunwa’s timely obedience to establish The Lord of Hosts Miracle Chapel).

Text: Genesis 12 from 1.

Abraham at 75 yrs of age and childless was commanded by God to leave his place of abode and go to a place yet unspecified. In spite of the fact the new place was not specified by God, Abraham religiously obeyed God’s command without an iota of reservation.

This scenario was replayed eight years ago when seer Bright was also commanded to metamorphose the prayer centre to a full blown church. Against her wish of being a business woman, she obeyed God and ever since she has remained resolute and focussed in her calling. Her obedience just like father Abraham was timely.

As children of God we should discover what God is asking us to do and obey without hesitation. We should obey on time too. Very important. When God asks us to move we should move. It is only when we move that we discover new things.

When God calls you, you are expected to remain focussed. Abraham like seer Bright were focussed after heeding God’s call. Hence they obeyed and on time too.

Abraham was not distracted by the fact that he was used to the mammoth crowd of people surrounding him in the neighbourhood. Same goes to seer Bright. She did not allow her ambition to be in business to override her calling. With the support of her amiable and supportive husband, she answered the call timely enough. And today the church has survived despite pockets of hatred, acrimony and rancour which are necessary evils.

God moved Abraham because He had a lot of goodies in store for him as a result Abraham blossomed even in dryness courtesy of God’s presence in his life.

The presence of God was with Abraham and 75 yrs was the beginning of a basket of blessing for him. In analogy, the presence of God is with LHMC AND 8 YRS IS JUST THE BEGINNING OF MANY WONDERFUL AND MONUMENTAL EXPLOITS AHEAD. So shall it be in the east, west, north and south in the mighty name of Jesus. Amen.

Sermon by seer Bright Ndibunwa.

BELOW IS MY POEM TO CELEBRATE THIS GREAT CHURCH ON THE OCCASION OF HER 8 YRS ANNIVERSARY.

Come gather all, from great to least

Come celebrate this special feast

This is the day by God’s own choice

Our church was born, let us rejoice

May God be praised! May God be blest!

May He find here His place of rest

We honour those who built with care

His throne on earth, this house of prayer

May all who come, find truth and light

Receive new hope of future bright

God fill us with abundant grace

Many Angels guard this holy place

We thank you, Lord, for what you’ve done

Here in this place through your dear servant

Abide with us your spirit show

As rivers, may your blessings flow.

Amen

By elder Jerome C. Njoku.