I have a question for you. What percentage of adults in America would you guess have debts and unpaid bills in collection? 10 percent? 15 percent? 20 percent?
Wrong! More than 35 percent of Americans have debts and unpaid bills according to a study by the Urban Institute. Let that sink in for a moment. More than one of every three adults in our country has debt in collections. Imagine how that translates into unhealthy stress, tension in marriages, and a host of other challenges. About 67 percent of our nation’s economy is consumer spending, and with consumers so deeply in hock, no wonder the economy has been slow to recover from the Great Recession.
According to an Association of Credit and Collection Professionals Health survey, here are the top three types of debt in collection:
- Health care-related: 37.9 percent
- Student loan debt: 25.2 percent
- Credit card debt: 10.1 percent
So, what’s the solution to this Continue reading
Forty years ago the phone rang before dawn. When I answered it, the caller quoted the first part of Isaiah 9:6, “For a child will be born to us, a son will be given to us.” It was our attorney with the great news that the baby we hoped to adopt had been born. Matthew Dayton had come into our family.
This weekend, Matthew and his wife received their own phone call. They had been told by the adoption agency that they could expect waiting from 8 to 18 months before a child would be available for them to adopt. But the Lord had something else in mind. Nine days after submitting the papers for adoption, their newborn son was ready for them to pick up from the hospital!
Soooo, it has been a crazy busy weekend of Continue reading
It was totally predictable. When the economy began to recover from the Great Recession, consumer debt started to go back up, and the rate of saving went down. One of the reasons for this is procrastination. Procrastinators, because of laziness or even fear, have a habit of putting things off they should do now until later.
The Bible has many examples of godly people who were not procrastinators, and one of my favorites is Boaz. Naomi, the mother-in-law of Ruth, made this comment about Ruth’s future husband, Boaz: “Wait, my daughter, until you know how the matter turns out; for the man will not rest until he has settled it today” (Ruth 3:18). Boaz had the reputation of a person who acted promptly. He wasn’t going to rest until he finished the matter that day!
So, if you wrestle with procrastination, ask the Lord to give you the courage of Boaz, remembering Philippians 4:13, “I can do all things through Christ who strengthens me.”
Then, simply take these three Continue reading
Here are a couple of questions we get all the time: What’s Compass all about? What are you really trying to accomplish?
Well, here’s our Mission Statement: “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.”
So, first, let me tell you why we don’t teach people to handle money wisely. We’re not interested in people becoming financially successful so they spend their money just on themselves and retire to a life of leisure.
We teach people to handle money God’s way for these three reasons, all of which are intended to have an eternal impact:
- So people can grow closer to Christ.
- So they can get out of debt, save, and invest to be free to volunteer more time serving Christ and other people.
- So God’s people can be more generous in funding their church and the work of Christ.
If these reasons resonate with you, please let us know how we can serve you.
Warmly in Christ,
A remarkable promise from the lips of Jesus found in Matthew 18:19-20 should energize our prayer life with a sense of boldness: “If two of you agree on earth about anything that they may ask, it shall be done for them by My Father who is in heaven. For where two or three have gathered in my name, there I am in their midst.”
Let’s look carefully at this passage:
• “If two of you…” (your spouse or a Christian brother or sister)
• “agree on earth about anything that they may ask” (Confirm it doesn’t conflict with God’s will as revealed in the Bible then fully agree together)
• “it shall be done for them by My Father who is in heaven.” (Jesus promises an answer by His Father.)
Is there something that you need the Lord to Continue reading
As I’ve continued to read about the kings in the Old Testament, one theme keeps surfacing: The condition of their hearts. God is super interested in our hearts, because that’s who we really are. “For man looks at outward appearance, but the Lord looks at the heart” (1 Samuel 16:7).
So, what’s God say about our hearts?
- The Lord knows our hearts. “You are those who justify yourselves in the sight of men, but God knows your hearts; for that which is highly esteemed among men is detestable in the sight of God” (Luke 16:15).
- We should pray to have the right heart. “Let the words of my mouth and the meditation from my heart be acceptable in Your sight” (Psalm 19:14).
- Reading God’s Word helps produce the right heart. “Your word have I treasured in my heart that I might not sin against You” (Psalm 119:10).
- We are to be careful to protect our hearts. “Watch over your heart with all diligence, for from it flows the springs of life” (Proverbs 4:23).
This morning I was reading 1 Chronicles 12, and verse 22 says, “Day after day men came to help David, until he had a great army, like the army of God.” This entire chapter is devoted to listing by name those who voluntarily joined David to serve on his team.
They each served in a key role. Some were “among the warriors who helped him in battle” (1 Chronicles 12:1. Others were wise: “Men of Issachar, who understood the times and knew what Israel should do” (1 Chronicles 12:32). Still others provided the food and supplies that David and his team needed. “ . . . their families supplied provisions for them” 1 Chronicles 12:39.
I’ve often taught that one of the clearest indicators that God’s favor is on an effort, is by the quality of people He brings to serve. This is true whether it is a business, or church or ministry. Thankfully we’re experiencing this at Compass. The Lord has brought us Continue reading