Posted on Leave a comment

Six and Counting . . . .

I wanted to introduce you to Dan Schilling who serves as the Compass North American Director. He and his wife Cheri are expecting their seventh son next month . . . that’s not a typo . . . their 7th son!

And yes, they were hoping for a little girl this time around. After 17 years straight of diapers, they are preparing for another round and will pass 20 years by the time this child is finished! Doesn’t this make you tired just thinking about it!

After the birth of their sixth son Jesse, they weren’t ready for another child, but felt they shouldn’t do anything permanent. Then, the Lord began to speak to their hearts, asking them to trust Him.

The Lord directed them to Matthew 6:19 where Jesus says, “Store up for yourselves treasure in heaven.” They sensed the Lord asking them, “If I wanted to entrust you with something eternal, would you be willing to receive it? Of everything I’ve entrusted your family, there is only one thing you can physically touch today, that you can touch again in heaven—your children.”

Soon they will welcome that eternal gift…Noah Nathaniel, to the Schilling family!

Dan and Cheri Schilling are extraordinarily committed to following Christ and growing as His disciples. They live on a big farm in Ohio where the boys have learned a wonderful work ethic and where Cheri home schools them as well.

Dan was selected as the Compass North American Director because he is remarkably capable and because of his heart to humbly serve the North American team. He has embraced the vision of doubling the number of Compass small group study participants annually for the next five years so that 250,000 people will be enrolled each year by year five.

Please join me in praying for the Lord’s hand of blessing to remain on Dan and his family.

Warmly in Christ,

Howard Dayton

Family 2015 2[1]

Posted on Leave a comment

Just One More

Dear Friends,

Where did the time go? Is it really the last day of 2012? They are right . . . the older you become, the faster the years end!

Thinking back over 2012, one of the most fulfilling things the Lord had me participate in was a new effort our staff at Compass named “Just One More.”

Its name was adopted from the final scene of the powerful movie, Schindler’s List. The main character, Oscar Schindler ransoms 1,100 Jews who were to be exterminated in the Nazi death camps. As the end of WWII is announced, he is overcome with grief that he could have sold his gold lapel pin for enough to ransom one more person destined for a death camp . . . just one more.

So, each of our team prayed for The Lord to bring to mind at least one person they could mentor for the year. A person who was clearly called to serve in this area of teaching people to handle money God’s way, and would make a commitment to mentor at least one a year for the rest of their lives.

Our Lord was very good to me by bringing two outstanding men, Doug Allen and Ken Battles, as my “Just One Mores.” Doug is a 36 year old Physical Therapist and Ken is an extraordinarily capable tech guy who heads up Compass at Continue reading Just One More

Posted on Leave a comment

2 Timothy 1:7

For the past several weeks, I have been meditating on 2 Timothy 1:7 which says, “For God has not given us a spirit of timidity, but of power and love and a sound mind.”

Think about that! God has not given us a spirit of timidity. According to the Thesaurus, synonyms for timidity are fearfulness, angst, trepidation, and uneasiness.

What this verse is not saying, is that we should be rash risk takers; rather, we have been given power and love and a sound mind. We should pray and exercise a sound mind by asking the Lord for His direction and wisdom. But once we have received direction, we should not be timid—we should go for the gold!

Think of the characters in God’s word who were called to do something outside of their comfort zone: Abraham and Sarah were asked to leave the comfort of their home and family and go to a foreign land. David went from tending sheep to fighting giants. Moses turned his back on a life of royalty to lead the children of Israel out of slavery. Mary was asked to be the mother of the Savior before she was married.

What is God calling you to do that it outside of your comfort zone?

I am reminded of former president Theodore Roosevelt’s quote: “It is not the critic who counts, not the man who points out how the strong Continue reading 2 Timothy 1:7

Posted on Leave a comment

Running for Office

My mailbox is besieged with letters and advertisements from politicians, and in Florida it is hard to watch TV without seeing a political ad. Most of the advertisements have one thing in common—a harsh attack on the candidate’s opponent. The images of the opponent are often in black and white and always unflattering.

If you look at one of the political TV channels, do you ever hear someone say encouraging things about the other party? Or is it a relentless attack on the character of those on the other side of the isle?

In politics, it is certainly proper to point out the differences between the candidates, but is it done in a winsome and kind way? It is the truth, the whole truth and nothing but the truth?

Does something in your heart and spirit ache when you see and hear the way politics is now being conducted on a local, state and national level? What would it be like for a candidate to implement these biblical commands in his or her run for office?

  • Encourage one another (Hebrews 10:25).
  • “Do not slander one another (James 4:11).
  • All of you, clothe yourselves with humility toward Continue reading Running for Office
Posted on Leave a comment

Not Enough

Dear Friends,

Saturday morning I awoke early from a sound sleep repeating the words “It’s not enough!”

It’s a blessing to pay off your credit cards . . . but it’s not enough!

It’s a blessing to pay off your cars . . . but it’s not enough!

It’s a blessing to pay off your student loans . . . but it’s not enough!

It’s a blessing to pay off your home mortgage . . . but it’s not enough!

It’s a blessing to have 3 months of income saved up for emergencies . . . but it’s not enough!

It’s a blessing to save enough to pay for your kids’ education . . . but it’s not enough!

It’s a blessing to save enough to full fund your retirement . . . but it’s not enough!

It’s a blessing to reach True Financial Freedom on the Compass Money Map . . . but it’s not enough!
Many people who don’t know Jesus Christ as their Savior and Lord have achieved all these goals. But for the person who knows the Savior, there is more. The Compass Mission statement captures this: Equipping people worldwide to faithfully apply God’s financial principles so they may know Christ more intimately, be free to serve Him and help fund the Great Commission.

Did you notice the three reasons we focus on Continue reading Not Enough

Posted on Leave a comment

Update from Howard 3.20

Dear Friends,

Bev and I just returned from our first trip to Israel, and those 8 days were a once in a life time experience. Bev had been praying for months that Israel and Iran would resolve their nuclear differences, or at least, put them on hold until we returned. Thankfully,God answered her prayers J

The trip was amazing in many ways—from getting caught in an impressive storm while sailing on the Sea of Galilee to being at the Wailing Wall Saturday evening as the Jews celebrated the end of the Sabbath.

But one the most powerful experiences may surprise you. Located by every front door of every motel room was a small metal cylinder. When we asked our guide what it was, he said, “Well, it contains Deuteronomy 6:6-7, of course.”

It says, “These words, which I am commanding you today, shall be on your heart; and you shall teach them diligently to your sons and shall talk of them when you sit in your house and when you walk by the way and when you lie down and when you rise up.”

The more I thought about it, the more I became convinced this is Continue reading Update from Howard 3.20

Posted on Leave a comment

Breaking News!

Dear Friends,

The Donald and Kim Kardashian beat Bible on money advice!!

I was privileged to work with the American Bible Society (ABS) in producing the Financial Stewardship Bible. ABS did a terrific job with this very helpful Bible with all 2,350 verses dealing with money and possessions highlighted–in green, of course.

The Bible has just been publicly released, and USA Today conducted a survey to find out who the public would trust more for financial advice: the Bible, Donald Trump (several of his properties have been through bankruptcy) or Kim Kardashian (the reality show star).

Please go to to see the article and the results. I sent this link to a friend last night, and his response says it all:

“It never ceases to amaze me how glitter and superficiality in our culture take precedence over true and real values and meaning. Glamour over God’s Glory, so the world thinks. But this results only in meaningless detraction and depression rather than having eternal definition and purpose.

Pray for the work Compass has been called to do. We have a long way to go in equipping people in our country to handle money God’s way.

Warmly in Christ,

Posted on Leave a comment

Update from Howard 2.27

Dear Friends,

Last week on the MoneyWise radio program, Jane, one of the callers had a question we all grapple with from time to time. She was clearly feeling stressed out when she said, “I have a really big decision to make. I only want to do what the Lord wants me to do. But how can I be sure to get His direction.”

I completely understood where she was coming from. Fortunately, when it comes to getting the Lord’s direction on the BIG DECISIONS, there are four we should do and one responsibility that God has retained. First, what we should do:

  1. Pray often about the issue. If you are married, pray together daily as a couple. If you are single, pray daily with a small group of friends. The Lord is pleased when there is agreement in prayer concerning an issue. Matthew 18:19-20 says, “If two or you on earth agree about anything you ask for, it will be done for you by my father in heaven. For where two or three come together in my name, there I am with them.”
  2. Spend consistent time reading the Bible. I’ve discovered on my really BIG decisions, that more often than not, the Lord will use a verse to confirm His direction. Before you start reading, ask Him to speak to your heart. Continue reading Update from Howard 2.27
Posted on Leave a comment

This Too Shall Pass

Dear Friends,

“This too shall pass”. . . lessons learned by a kidney stone survivor.

I shared earlier the beginning of my adventure with kidney stones. On Thanksgiving, just before the turkey dinner, I found myself doubled over with abdominal pain. My wife, Bev, and daughter, Danielle, quickly drove me to the St. Augustine Hospital ER where they discovered I was the proud possessor of an 8 x 4mm kidney stone—one that was too large to pass. Oh, joy!

Next Monday, I was scheduled for a procedure to break up the stones into smaller fragments, which with the help of a stent would be able to pass. The doctors kindly prescribed lots of pain medication and for the following 15 days, I passed lots of stone fragments and took a lot of the pain killers. The doctor then removed the stent and told me there was one remaining 3mm stone left. My sister kept emailing me asking if I was still “stoned”!

I was not able to do much at all for almost a month other than rest and reflect. So, here are some of the big lessons the Continue reading This Too Shall Pass

Posted on Leave a comment

Update From Howard 12/5

Dear Friends,

As I mentioned is my last blog, I learned the painful way on Thanksgiving day that I had a very large kidney stone that had started its journey down from the kidney. I am scheduled to have surgery this morning (Monday) to remove it and would covet your prayers . . . fortunately, they knock you out for this procedure 🙂

A couple of years ago when I was seeking the Lord’s direction on whether to start Compass, He spoke clearly to me through Isaiah 43:18-19 which says, “Do not call to mind for the former things, or ponder the things of the past. Behold, I [the Lord] am going to do something new, now it will spring forth; will you not be aware of it. I will even make a roadway in the wilderness and rivers in the dessert.” When you examine that passage closely, the real focus is on the word “I”. The Lord alone said that He was going to do something new, and that no obstacle was going to be too difficult for Him to overcome to accomplish His purpose. There is no—zero—room for pride on our part, because it’s solely the Lord who is accomplishing it.

We recently learned about one of those new things that is springing forth: Our 30 minute call-in radio program, MoneyWise, is among the four finalist for the National Religious Broadcaster’s “Best Radio Program of the Year!” There is no explanation for this other than the gracious hand of God—especially when you consider that when we started the year we had no plan to do the program. Unexpectedly, an opportunity opened in February and because of the extraordinary generosity of many Christian radio stations, by March we were on the air.

The challenge was that we hadn’t budgeted anything for the cost of producing and airing the program . . . have you ever had those times where He makes it clear you are to step out in faith trusting in God alone? This was one of those for us! The Lord has stretched our faith, but met our needs. As the late Larry Burkett used to say, “God’s never late, but rarely early” 🙂

I want to use this opportunity to thank Steve Moore, the executive producer and co-host of MoneyWise. Steve is a remarkable talent who served as co-host with Larry Burkett for almost 20 years and then with me. The Lord has graciously surrounded us at MoneyWise with skilled producers Rich Roszel, Kent Covington and Johnny Franklin—two of these men previously worked with Steve for almost 20 years.

We are honored beyond words to even be numbered among the finalist for this award. If you want to learn more, check out: NRB Honors 2012 Media Awards Nominees

Isn’t walking with Jesus Christ an adventure! Times of challenge that stretch our faith! Times of undeserved blessing that test our pride! But always we can be in His presence and experience His joy. “In the presence of the Lord is fullness of joy” (Psalm 16:11).

Love in Jesus,


Howard Dayton is the Founder and CEO, Compass – finances God’s way. For more information about Howard, please click HERE.