Posted on Leave a comment

Latin America Update

Is there any believer anywhere who shouldn’t learn God’s way of handling money?

In 1999, when Dave Rae joined us as our Chief Operating Officer, he had asked me to describe our long-term vision.  I responded, “Within ten years to have 12 million people enroll in what is now the Navigating Your Finances God’s Way small group study. Our goal would be for them to experience significant improvement in their finances and grow much closer to Christ.”

Dave nodded his head and quietly said, “I think we can do that with the talented people on our team. But is there any believer anywhere who shouldn’t learn God’s way of handling money? Why don’t we try to reach the world? I realize that no matter how capable our team, only the Lord can accomplish something this large.”

I spent three days last week in Continue reading Latin America Update

Posted on Leave a comment


Dear Friends,

I thought I’d made it through the flu season without even so much as a sniffle, and then . . . last week got a nasty bug. And with the bug came the unexpected—laryngitis! I still have it!

This week I missed recording our MoneyWise radio program and will miss speaking in Mexico at a Compass conference led by our Latin American Director, Andres Panasiuk. Around the home it’s much quieter with me speaking to Bev in a faint whisper and using sign language. I think she’s enjoying this. 🙂

Despite these inconveniences and not just being able to pick up the phone and call a friend, the Lord is using this for good. It has forced me to be quiet. Today, I am finally began to Continue reading Laryngitis

Posted on Leave a comment

Debt Downgrade & Ministry Update

Dear Friends,

Downgrade of US Debt: Well, the big news last week was the approval of raising the debt ceiling a couple of trillion dollars, and then late Friday the bombshell of Standard & Poor’s downgrading US Federal Debt from AAA to AA+. If that wasn’t enough, S & P also issued a “negative outlook” which simply means there’s a chance it will lower the rating further within the next couple of years.

Well, what’s this mean for our country? What’s this mean for individuals? How’s this going to impact investors?

Howard’s Assessment: Here’s my take on this:

  1. Even though there is a lot of finger pointing among politicians and financial gurus give all sorts of reasons for the downgrading, fundamentally it is because our government is spending $1.60 for every $1.00 of revenue, and the increasing debt is unsustainable. Just as any household can’t spend more than its income, the government can’t either forever.
  2. I believe this is a major wake-up call provided by the Lord to His people to learn and apply what the Bible tells us about handling money. In other words, give generously, spend wisely, save regularly and get out of debt.
  3. I’m also fully convinced that God is communicating to us that our trust cannot be in anything other than Jesus Christ. 1 Timothy 6:17 tells us, “. . . not to fix our hope on the uncertainty of riches, but only on God who richly provides with all things to enjoy.” He wants us to draw closer to Him and be about our Father’s business.
  4. No one apart from the Lord really knows the impact on investments. My suggestion, stay close to the Lord and seek His guidance.

What’s happening globally: In both Latin America and India, God is moving powerfully in the ministries of our Compass Global Alliance partners lead by Andres Panasiuk and Richard Samuel. The Compass India small group studies were first begun about six weeks ago and the testimonies are amazing—please pray that in India and Latin America, the Holy Spirit would radically transform the lives of those learning God’s way of handling money.

We are also in the final stages of translation agreements for the Money and Marriage small group study for Korea and all our materials for Israel. We could not have hoped for better partners in both of those countries.

I do: As an ordained elder, I have had the opportunity to occasionally perform weddings of close friends. So far I’ve married 5 couples: two by pools in back yards, two outside by lakes, and one in a home . . . . and this Friday, well it’ll be in a real church! I may even wear a robe! Pray that the great couple and especially the “preacher” won’t be too nervous. 🙂

Love in Christ,
Howard Dayton


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

Posted on Leave a comment

Update from Howard 5/31

Hi Friends,

I hope everyone had a great Memorial day weekend.  I am very appreciative for the men and women who have and are currently serving and protecting our country.  I served in the Navy and was stationed in Vietnam for a year, so I know of the sacrifice these men and women have made and are making for this country.  I am very thankful and grateful for each one of them. May God bless them and their families!

Here’s what is happening . . .

How we doing with our saving? I couldn’t believe it! Read an article that the average percentage of income a person saves in China is 39%; in India it’s 35%; while the average in the USA is only 3.9%. Think about it! The average income in China and India is very small compared to America . . . yet they are saving so much more of their income!

Global: Two key members of our Compass Global Alliance, Andres Panasiuk from Latin America and Richard Samuel from India joined the USA leadership. God is moving in a remarkable way in both places. The Navigating Your Finances small group study was launched in English in India last month. Later this month it will be launched in Hindi and Tamil. They are projecting that during the next 12 months, they will have about 25,000 people participate in the study. God is also blessing Andres and the work in Latin America in an amazing way.

We are scheduling a trip to India in November . . . let’s see, should I communicate to them in English, Hindi or Tamil? Well, this time I’ll speak in English…lol!

Materials: The 9 week Navigating Your Finances God’s Way small group study is on the way from the printer! This is the traditional small group study that has been improved and refreshed. We are praying that the Lord will use it powerfully in the lives of many people.

Family: Spent several days in Gainesville, Georgia, with my 94 year old mom and my siblings. It was a precious time, but very emotional and fatiguing. Mom’s health is clearly failing.  We decided to try to gather again to celebrate her 95th birthday on September 20th. Pray that the Lord will continue to draw my mom close to Himself in a very tender way.

Warmly in Jesus,


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