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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

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Marriage, Storms & Studies

Dear Friends,

Marriage: Had the honor of marrying my sixth couple, Kyle and Jennifer Furano, and was totally impressed by their love for one another and their love for Christ. Not surprisingly, the minister was the most nervous . . . . but I looked good in a sharp looking robe. lol!

The Unexpected Storm: My 6 am Tuesday morning walk started like any other, but about half way I noticed some ominous looking dark clouds moving rapidly toward me. About 10 minutes from home buckets of rain poured down . . . then incredible lightening strikes! My prayer life was off the charts! All I could do was to cry out to Jesus to protect me as I thought I could feel the heat of the bolts landing close to me. I darted into a neighbor’s sheltered entrance and then it struck me . . . no, not the lightening. But a fresh realization of just how powerful God is.

The flashes of light followed by the deafening thunder are created and controlled by Christ alone. “He [the Lord] makes lightening for the rain” (Jeremiah 10:13). Our Lord is so powerful. Nothing is too difficult for Him. Then it dawned on me that one of my biggest challenges is not consistently remembering that God has responsibilities and we have responsibilities. When it comes to my serving at Compass, I am required to be diligent, be a person of integrity and seek the Lord’s direction and favor. But often I put my “toe across the line” and try to do things that only Jesus can do, such as, touch the heart’s of people. In that rain swept entrance, I repented of my pride and sin.

I Will: I want to give you a home work assignment. I’ve recently been reading through the book of Jeremiah, and on the heels of my experience in the storm, I began to underline the times that the Lord said, “I will.” It’s amazing. Sometimes He says it a half dozen times on just one page. Sometimes the Lord warns nations that He going to whack them for their disobedience; other times he promises a blessing. And He alone can bring what He has said to pass. Our homework assignment: underline it in your Bible, every time the Lord says, “I will”, to remind yourself just how capable God is to do what He wants to do.

Dallas: Monday and Tuesday headed to Dallas (where it’s a cool 98o today) to spend time with two great brothers: Gunnar Johnson, the president of Christian Stewardship Network, and Brad Jack, the key person for Compass in Dallas/Ft. Worth, who has been leading our Money and Marriage God’s Way small group study. Please pray for a safe trip and productive time.

Small Group Studies: Speaking of small group studies: This is the most common time of year that people prepare to lead Compass small group studies. Money and Marriage God’s Way is a very helpful 6 week study and Navigating Your Finances God’s Way is a superb 9 week study. Check out to learn more. If you’d like to facilitate one, you can do so by simply attending one of our 2 hour Facilitator Training Webinars that are conducted several times each week.

May the Lord bless you in a very special way this coming week.

Warmly in Christ,
Howard Dayton


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

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New Studies are Here!

This is the week our team has been patiently anticipating for many months! On June 10th we will have two new small group studies- Navigating Your Finances God’s Way and Money and Marriage God’s Way available on our website. Howard and our team have spent the past year working on and developing these life-changing studies. Here is a preview of what you can expect:


$35 for a single set and $45 for a couples set

This nine week small group study teaches individuals God’s perspective of managing money and possessions. It will provide the practical applications of handling finances, and really gets to the heart of the matter.

Topics include:

  • God’s Part & Our Part
  • Debt, Honesty & Counsel
  • Generosity
  • Work
  • Saving & Investing
  • Crisis & Perspective
  • Eternity

Features of study:

Practical budgeting tools can be accessed in the workbook as well as electronically and on-line.

  • Budgeting options:
    • Traditional hardcopy
    • Electronic spreadsheets
    • Money Lounge – an online budgeting tool which utilizes and Smartphone applications
  • Downloadable audio notes
  • Online financial calculators and dictionary
  • Online facilitator training and tools

A free copy of Howard Dayton’s book, Your Money Counts is included with the study.


$25 for a single set and $35 for a couples set

Financial stress can devastate a marriage. But there is a better way — God’s way! This six week small group study will show you how to discover God’s approach to managing your finances and strengthening your marital relationship.

Topics include:

  • Building a healthy marriage
  • Giving, saving, debt and investment decisions
  • Resolving conflicts
  • Setting goals
  • Dealing with crisis
  • Improving communication in your marriage

Whether you’re engaged, newly married, or empty-nesters you can benefit from this study. A free copy of Howard Dayton’s book, Your Money Counts is included with the study

We look forward to how the Lord will use the studies to impact people’s lives and draw them closer to Him! These studies can also be ordered by phone by calling 407-331-6000.

God Bless, Kyle


Kyle Hasbrouck is the Vice President of Compass – finances God’s way. For more information about Kyle, please click HERE

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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.

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Greetings from India

Shillong, India

Oh, the joy of travel! I’m currently in India a nation of 1.2 billion people, where there are multiple cultures, religions, ideologies and State government formats! There are thousands of gods and hundreds of free roaming sacred cows! The geography is as diverse as it’s peoples and languages!

I’ve come to India to support the Compass India team as they launch, for the 1st time in their history a 12-week financial study – Navigating Finances God Way! This will be one of only a handful of small groups studies presented by any ministry or denomination within the country!

I’ve been in the country for 4 days and have assisted the team in presenting Facilitator training in Kochi – a city of 2 million on the southwest coast, Kolkata- 12 million, on the sea of Bengal, then in Shillong and Guwahati, in the extreme northeast. These trainings have been focused on the leaders of influence in their cities and church denominations. In these 3 training we have averaged 35 leaders / training.

We have also met with the senior leaders of 3 denominations who signed letters of intent asking us to partner with them to bring about Stewardship ministry within their denominations.

So far the interest and enthusiasm is incredible! They are thankful for your help in making it possible for their people to study these truths 1st hand and learn the Biblical practices of handling resources effectively!

I’ll be traveling for another 10 days. Speaking to more Facilitators in Imphal & Mumbai, as well as presenting a leadership seminar in the same cities in honor of Dr. Dick Wynn.

For your interest on this 14 day trip, I will spend 10 nights in 8 different hotels or guest-houses and 4 nights sleeping in aircraft, as well, I will have spent 76 hours on those aircraft visiting 8 different cities! Not that I’m counting.

Blessings from your Brothers & Sisters in India!


Dave Rae is the President and Managing Director of Global Operations of Compass – finances God’s way. For more information about Dave, please click HERE

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Studies, Maps & Garage Sales

Dear Friends,

Enjoyed a productive week . . . well, some of it was productive—

Compass materials: Finished the recording of the Money and Marriage God’s Way small group study Notes. These Notes and the ones for Navigating Your Finances God’s Way will be on the web site and downloadable free for those participating in these small group studies. We hope to have these ready to go by the end of the month.

Been working on improving the Compass money map and are in the final stages of this project. Very excited about having this available to give people a clear step-by-step process of handling money God’s way.

Garage sale: Some people are garage sale people and others are not. Our neighborhood held its annual garage sale on Saturday. We didn’t have much to sell and sold a whopping $15 worth! That’s the good news . . . we bought $45 of stuff! At lease we paid pennies on the dollar. Bev reminded me that garage sales are just not my spiritual gift.

Coming up: Will be signing agreement with the American Bible Society on Wednesday for their publication of a Financial Bible using the 2,350 verses in the Bible dealing with money and possessions. The Financial Bible will also be formatted electronically for use over the Internet with a search component. American Bible Society has been in existence for more than 190 years, and been used by the Lord to distribute the Word of God around the world.

94 and counting: My siblings and I (and our spouses) will be spending three days with my 94 year old mom starting the 23rd. We are praying for a terrific time with her and would appreciate your prayers as well. She has a heart condition that makes her breathing very difficult.

Great book to recommend to you. I’m reading it for the third time within a year. It’s Trusting God by Jerry Bridges published by NavPress. Terrific book dealing with the part that God plays when we are experiencing a crisis. Encouraging and loaded with the truth of God’s Word!

Warmly in Christ,