Paris Under Attack

Under Attack (1)

 On Friday evening, in less than one hour, Islamic terrorist conducted a series of coordinated attacks on six targets in Paris killing more than 130 defenseless people and injuring hundreds more.  The world watched in horror over TV and the Internet as the reports were broadcast that seven suicide bombers slaughtered people eating in restaurants, attending a concert, and at an outside sporting event. The radical Islamic group ISIS claimed responsibility for the attack.


So, how should followers of Christ respond to ruthless attacks such as these?


  • Pray for the families and loved ones of all the victims who were murdered and those who are recovering from physical and mental injury.
  • Recognize the real enemy. Ephesians 6:12 reveals, “For our struggle is not against flesh and blood, but against the rulers, against the powers, against the world forces of darkness, against the spiritual forces of wickedness in the heavenly places.”
  • Fight the real enemy. The verses after revealing the real enemy address how to resist this unseen enemy. “Therefore, take up the full armor of God, so that you will be able to resist in the evil day, and having done everything, to stand firm . . . having girded your loins with truth, and put on the breastplate of righteousness, having shod your feet with the preparation of the gospel of peace . . . taking up the shield of faith with which you will be able to extinguish all the flaming arrows of the evil one. And take the helmet of salvation, and the sword of the Spirit, which is the word of God” (Ephesians 6:13-17). Think about this passage! How do we fight? We practice truth, righteousness, share the gospel of Jesus, faith, recognize our salvation and use the word of God.
  • Pray for the terrorists. Consider this. The terrorist causing the greatest amount of damage to the cause of Christ after Jesus was resurrected was a fanatical Jewish Pharisee named Saul. Jesus powerfully revealed Himself to Saul, and he became the apostle Paul – the most influential follower of the Lord in the first century.


May the chaotic times in which we live find us faithful to spending our money and make our lives count for eternity.

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5 Ways To Stay Out Of The Red On Black Friday

 Black Friday with logo

Helmet… check. Flak jacket… check. Last will and testament updated… check.   Okay, it sounds like you’re all set to go shopping on Black Friday.

 These sale events have gotten out of control, literally! A couple of years ago there was a near riot over $2 waffle makers at Wal-Mart, and a woman in California pepper sprayed 20 other shoppers to get to an Xbox video game console.
Well, how can we keep ourselves out of the Red on Black Friday? Here are 5 ways that should really help:

  1. First of all have a Christmas shopping spending plan! Know exactly what you’re going to spend beforehand, and stick to it.
  2. Do your homework on where the best deals are and make a shopping list for anything you’re not buying online BEFORE you leave the house.
  3. Don’t get sucked into opening store credit cards for a discount!
  4. Don’t forget about Cyber Monday (Monday, November 30th). It is a really big deal these days, and there are plenty of deals to be had online.
  5. You can go to a deal tracking website, such as, They also have smart phone app that will alert you if a deal pops up that matches what you’re looking for.

Some Black Friday stories are so silly that you have to laugh. But they are also symbolic of something sad. The world is intent on taking Christ out of Christmas and replacing Him with holiday gift giving. So, make a real effort to keep yourself and your family focused on the real reason we celebrate Christmas. The birth of our Lord and Savior, Jesus Christ.

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4 Simple Rules To Stay Out Of Credit Card Debt

credit-cards with logo

Surveys found that half of American households report having trouble making even the minimum payments on their credit cards. What’s going on?

A lot of people are using credit cards for credit and not just for convenience, and they find themselves living beyond their means. So, here are 4 simple rules for using credit cards and if you can’t follow all of them, you need to perform some plastic surgery as soon as possible and stop using the cards.

  1. Use a credit card only for budgeted purchases. Oh yeah . . . that means you have to be living on a budget (spending plan). If you’re not, it’s going to be tough to stay out of credit card debt. If you need help with starting a budget, visit and click on “Connect with a Coach.” One of our volunteer Compass Coaches will contact you online to assist you.
  1. Pay credit cards off on time and in full every month. This way there’s no interest charges, no late payment fees, and no debt.
  1. The very first month you can’t pay a credit card bill in full, take out the scissors, and destroy the card.
  1. Just because you can afford to buy something doesn’t mean you should. Force yourself to wait a couple of days and pray about the decision. More often than not, if it’s an impulsive decision, the impulse will go away, and you will save money.

If you are in serious credit card debt, remember what Proverbs 22:7 says, “The borrower is slave to the lender.” The Lord wants us free to serve Him and not our creditors.

So, begin to “snowball” your plastic by making the minimum payments on all the cards, and focus on paying off the one with the smallest balance. If you need help from a debt repayment company, we recommend checking out (ClearPoint). They used to be named Consumer Credit Counseling Service of Atlanta and for decades have worked with consumers helping them pay off their cards.

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Our Challenging Journey With Cancer

Mom and Dad with logo

First, I want to thank the many of you who have been praying for my wife, Bev, in her challenging journey with cancer. It is impossible for us to thank you adequately! Periodically, I will bring you up to date on her progress.


A little history for those of you who are not aware of her cancer. About four years ago Bev had a double mastectomy, and six months later we discovered the cancer had spread to her spine and hip. Thankfully, twice she has been in remission. Three weeks ago we went to see her oncologist (who we really like) to learn the results of her recent CAT scan and bone scan. When he came in he said, “I have really bad news. You are no longer in remission. The chemo pill is no longer effective, and the bone cancer has spread to your scapula (shoulder blade) and your skull. The good news is that it hasn’t spread to any soft tissue or the organs.”


They immediately installed a port in her chest so that she could begin receiving chemo intravenously. There have been very uncomfortable, even painful, side effects from the chemotherapy. As I’ve said before, she is the most courageous person I’ve ever met. She completely trusts in Christ and His ability to heal. Our family has been overwhelmed with a strong sense of God’s peace, and we are certain it is answer to the prayers of God’s people.


Here are our prayer requests: (1) that the Lord would heal Bev of the bone cancer. Specifically, just as in , He healed King Hezekiah from a mortal illness and gave him 15 years of life, that the Lord would give her at least 15 years of life. (2) that Bev would continue to be an encouragement to so many as she shares her faith in Jesus.

 Love in Christ,

 Howard Dayton

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Are Bitcoins the Next Great Investment?

Bitcoins graphic Recently, we’ve received calls on our MoneyWise radio program wanting to know about Bitcoins and asking our advice about investing in them.


Bitcoins is a payment system that was invented in 2009 by Satoshi Nakamoto. Essentially, it is digital currency that operated outside of governments and the traditional financial system. The US Treasury calls it a “virtual currency.”


From my point of view, it’s too risky to invest in them. And some of those connected with this payment system have been involved in questionable activities. The founder was sent to jail, and the Bitcoin Exchange is bankrupt. And if that’s not enough, the founder of the largest of the Bitcoin exchanges was arrested just recently. I don’t know the details, but it may have something to do with the $400 million in Bitcoins that are missing from the company’s accounts.


Investing in Bitcoins is still confusing to me which also violates this important investing rule of thumb: If you don’t understand a potential investment well enough to explain it simply and clearly to your spouse in a way that he or she understands it – don’t do it!

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FYI………EMV Deadline Looming For Small Businesses

Credit Card exchange w logo

Something small businesses don’t know that could cost them a bundle next week!

Beginning October 1st, there is going to be a shift in responsibility of who is liable for fraudulent card transactions. Small businesses can be held liable for customer credit and debit card fraud if they don’t have a terminal that complies with Europay Master Card Visa (EMV) chip based standards that can read chip enabled cards.

Here’s the rational

When card fraud happens, whoever is using the “lesser” technology will be responsible for the liability. If a merchant is still using the old swipe and signature method, they’ll be liable if the customer has a chip card. On the other hand, if the retailer uses a new terminal, but the bank hasn’t issued a chip card, the bank will pay up.

Here’s the challenge

Too many small business owners are unaware of this liability shift and the October 1st EMV deadline. Others are putting off purchasing the new equipment because of the cost. It is very risky not having the chip reading terminals because it can be even more expensive getting whacked with the charge-backs from the fraudulent use of cards in your business.

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6 Steps To Prepare For The Coming Financial Storm

6 steps to prepare for financial storm

Recently, we have received a surprising number of inquiries concerning the possibility of a massive financial storm striking America sometime this September or October. Several respected leaders have pointed to the confluence of Jewish High Holy Days marking the end of a significant 7-year cycle called the Shemitah along with a rare fourth blood moon.


There is no question our economy is shaky because of huge government and personal debt in America and for that matter in most countries. When you overlay the decisions our leaders are making that are contrary to the truth of God’s word, there is a legitimate concern that the Lord could discipline our country.


At the risk of being misunderstood by some, I want to share an experience that has fueled my passion for 38 years to help people learn God’s way of handling money. The year was 1977, and I was suddenly overcome by the Spirit of God and found myself prostrate on the floor, weeping. Then the Lord revealed to me that during my life time our economy would experience a very difficult time. God didn’t reveal when this will occur or what it will be like, but there’s no doubt that it will happen.


The financial crisis of 2008-2009 that engulfed the entire globe, made it clear that the economies of the world are more fragile than most people imagined. So what should you do to survive the coming economic storm? It’s wise to do what we’ve learned in Florida to prepare for hurricanes and follow these 6 steps. By the way, if it’s already difficult for you to make ends meet, simply do what you can do and trust the Lord—the only One who can protect and provide for us.



In addition to having some cash accessible outside of our bank, all we can do with our finances is to handle money God’s way.

  • Be generous even when facing a crisis. “Agabus (a prophet) began to indicate by the Spirit that there would certainly be a great famine all over the world . . . and in proportion that any of the disciples had means, each of them determined to send a contribution for the relief of the brethren living in Judea” (Acts 11:28-29).
  • Work to get out of debt. “The borrower is slave to the lender” (Proverbs 22:7).
  • Save. “The wise man saves for the future” (Proverbs 21:20).
  • Diversify your investments. “Divide your portion to 7 or even 8, for you do not know what misfortune may occur upon the earth.”


  1. FOOD and WATER Prep

If you can afford it, have extra imperishable food on hand that could feed your family and some neighbors. Store foods that you already eat and can rotate to keep fresh. Adults require about 2,000 calories a day to maintain their weight. Have extra portable water on hand and a filtering system to purify water, if needed.



Think extra toilet paper, hand sanitizer, hydrogen peroxide, garbage bags, etc.


  1. ENERGY Prep

Assuming you don’t have electricity, decide how you would generate energy to power lighting and cook food. Secure energy efficient lighting, flashlights, batteries, candles, matches and a hand crank/solar powered radio. Consider a generator, fuel, and a propane stove.


  1. MEDICAL Prep

Prescriptions, Neosporin, and a good first aid kit are a good start.



Most importantly, pray and spend time in God’s word to get to know Christ better and to understand that He is our provider and protector. And if you can, prepare with some friends because we all will need encouragement and the counsel of others. Ecclesiastes 4:9-10 says, “Two are better than one because they have a good return for their labor. For if either of them falls, the one will lift up his companion.”


I view these challenges as an amazing opportunity to influence people to consider Christ as their personal Savior. It could be the most exciting time in our lives. The Compass Ukraine Director lives in Kiev and said there was revival in Kiev when Russia invaded the eastern part of their country because God’s people prayed and served those who were unprepared.


May we prepare spiritually to meet the needs of our family and those around us.






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