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There has been a spiritual shift in my finances since taking your class. I didn’t notice much of a difference initially, but a couple of months later I recognized that I was thinking differently about money. I have continued to track my expenses diligently and formulate a budget every 2 weeks. Back to Testimonials A life-changing testimony There has been a spiritual shift in my finances since taking your class. I didn’t notice much of a difference initially, but a couple of months later I recognized that I was thinking differently about money. I have continued to track my expenses diligently and formulate a budget every 2 weeks. God is blessing, my paycheques have increased, and my cost of living has decreased. I also have a strong commitment to pay off my debt… slowly but surely, and strategically. So, thank you for the positive, life-changing impact you have made! I’m excited as I sense this is a “turnaround year” for me on many levels, but especially financially. I’m not “there” yet, but I am moving in the right direction! Judy Toronto, ON, Canada Previous Next

Dear Tom, Just watched you again on Vision TV. As a Christian widow, I truly appreciated your insight and biblical wisdom. Thank you for your spiritual wisdom, prayers, and encouragement to store up treasures in heaven. People need to stay in the scriptures for their source of truth and I sense this in your ministry!! May the Lord bless you in your ministry. Back to Testimonials Thank you for your spiritual wisdom and prayers Dear Tom, Just watched you again on Vision TV. As a Christian widow, I truly appreciated your insight and biblical wisdom. Thank you for your spiritual wisdom, prayers, and encouragement to store up treasures in heaven. People need to stay in the scriptures for their source of truth and I sense this in your ministry!! May the Lord bless you in your ministry. J.E. St. Catherine's, ON, Canada Previous Next

I just want to let you know that I was listening to your message years ago when we were working together. You have changed my life. I sold my larger house and minimized my lifestyle and set new financial goals because of the time you spent talking with me and the CD’s you gave me. I wanted you to know that I was listening. I’ve made saving a priority. Thank goodness! I know it won’t be an easy time here, but boy I’m glad I’ve been saving. Back to Testimonials You have changed my life I just want to let you know that I was listening to your message years ago when we were working together. You have changed my life. I sold my larger house and minimized my lifestyle and set new financial goals because of the time you spent talking with me and the CD’s you gave me. I wanted you to know that I was listening. I’ve made saving a priority. Thank goodness! I know it won’t be an easy time here, but boy I’m glad I’ve been saving. B.P. South Carolina, USA Previous Next

My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and people around us. We would like to make monthly donations to Copland Financial Ministries. Back to Testimonials We thank you for your ministry My husband and I have greatly benefited from the Debt Reduction CDs and DVDs for Businesses and Individuals. We thank you for your ministry and the impact it has had on our lives, our family, and people around us. We would like to make monthly donations to Copland Financial Ministries. Anonymous Previous Next

Over the past 28 years, I have met many investment advisers who have instructed their clients to use debt in order to increase their investment returns. Use Minimal Debt - Or Better, No Debt Back to Investing By: Tom Copland October 19, 2021 Over the past 28 years, I have met many investment advisers who have instructed their clients to use debt in order to increase their investment returns. When the market goes up, additional returns can be obtained through the use of debt. However, when the market goes down, the results can be disastrous. I remember one woman who borrowed against her home and invested in mutual funds only to discover four years later that the funds had decreased in value by 50 percent. Being upset with what occurred, she immediately sold her investments and paid off as much of the loan as she could. Several years later, she is still servicing the remaining debt. The deception from the world is that “smart people use other people’s money.” This is contrary to God’s Word. Every reference in scripture to borrowing is negative, and nowhere in the Bible does God ever direct anyone to borrow money in order for God to bless. Our all-powerful God is able to meet every need without the assistance of the bank. Philippians 4:19 states, “And my God will meet all your needs according to his glorious riches in Christ Jesus.” It is not a sin to borrow money, but it is a sin to borrow and not repay. Psalms 37:21 states, “The wicked borrow and do not repay, but the righteous give generously.” The implication is that the righteous person not only repays all debts but goes “the second mile” and gives generously. Experience has shown that people who use a lot of debt when investing will generally encounter one of the following problems: 1. When the markets are down, borrowers are forced by the lender to sell at the wrong time. In Proverbs 22:7b, God warns that “the borrower is a servant to the lender.” 2. Psychologically and emotionally, it is much more difficult to survive a “bear market,” because debt increases the volatility of your portfolio. For example, if you borrow 50 percent of what you invest, and if the market decreases 20 percent in value, then the loss of your personal capital is 40 percent. 3. If the investment decreases significantly in value, you can lose more than your original capital and end up with a deficit that may take years to repay. In Deuteronomy 28, God promised the people of Israel that, if they fully obeyed him, he would bless them so much that they be would lenders and not borrowers. In other words, God can bless your investments without the use of debt. I have seen more than 100 individual cases in which God has done this. Before you borrow to invest, be sure to ask God to reveal your motives. Frequently, people use debt in order to “get rich quick” because of covetousness or greed—both of which are contrary to God’s Word. On the other hand, saving and investing carefully over a long period of time, with the objective of meeting future needs, is a very biblical attitude. Proverbs 13:11 states, “Dishonest money dwindles away, but he who gathers money little by little makes it grow” (emphasis added). Saving and investing to provide for future needs is biblical. However, God strongly discourages the use of debt. I recommend that you save and invest whatever funds God has provided, and trust God to meet your needs, which he has promised as you put him first. (See Matthew 6:31–33.) Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

Tom, I am glad to hear that the Financial Ministry is growing and changing people's lives all over the world! Taking your course actually broke a stronghold in mine, I really believe that. I also developed a new money mindset. I am still learning to walk in God's Ways of managing finances, but I have come a long way! I am very interested in taking part in a financial coaching webinar in the future and learning how to help someone else. Back to Testimonials Financial Ministry is growing Tom, I am glad to hear that the Financial Ministry is growing and changing people's lives all over the world! Taking your course actually broke a stronghold in mine, I really believe that. I also developed a new money mindset. I am still learning to walk in God's Ways of managing finances, but I have come a long way! I am very interested in taking part in a financial coaching webinar in the future and learning how to help someone else. J.C. Waterloo, ON, Canada Previous Next

"Tom, my wife and I attended one of your workshops over 10 years ago when we were struggling with a crippling load of debt. We found the workshop extremely helpful and through your guidance and the principles you taught, and turning to God in complete trust of our situation, not only did. Back to Testimonials We found the workshop extremely helpful "Tom, my wife and I attended one of your workshops over 10 years ago when we were struggling with a crippling load of debt. We found the workshop extremely helpful and through your guidance and the principles you taught, and turning to God in complete trust of our situation, not only did. God eliminates our debt through incredible work opportunities for myself, but He has also provided us with the means to give back and support various ministries. This didn't happen overnight but over several years as God continued to teach us to rely on Him. From the start we were determined to give back even a very small tithe to Him, and our ability to tithe has grown as He continues to provide for us. When the last of our debt was gone, just prior to the start of the pandemic, we praised God that He answered our prayers. He is faithful! We felt led to make a donation to your ministry to thank you and encourage you because it was such a blessing to us, and we would like to see others benefit from your work. Thank you and thanks to everyone serving in your ministry. [Matthew 6:31-33].” TA Newmarket Ontario Previous Next

I Attended the Zoom Webinar - Managing Money During Covid-19. It was excellent! I would be interested in attending more virtual workshops when they are available. Thank you for this ministry! Back to Testimonials Thank you for your ministry I Attended the Zoom Webinar - Managing Money During Covid-19. It was excellent! I would be interested in attending more virtual workshops when they are available. Thank you for this ministry! L.S. ON, Canada Previous Next

Financial problems frequently cause significant stress and anxiety, but God can provide his peace, no matter how difficult your financial problems. Jesus said, “Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid” (John 14:27). Back to Freedom from Financial Anxiety God Gives Peace in Regard to Finances By: Tom Copland June 15, 2020 Financial problems frequently cause significant stress and anxiety, but God can provide his peace, no matter how difficult your financial problems. Jesus said, “Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid” (John 14:27). The first step to obtaining God’s peace in the midst of financial difficulties is prayer. Rejoice in the Lord always. I will say it again: Rejoice! Let your gentleness be evident to all. The Lord is near. Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus. (Phil. 4:4–7) God promises that if we ask him, with a thankful heart, then he will give us a peace that is beyond our understanding. By the way, I do not believe that this is something that we can figure out or earn. It is fundamentally a gift from God: “Now may the Lord of peace Himself continually grant you peace in every circumstance” (2 Thess. 3:16 NASB). When under financial pressure, it is extremely important that you focus your attention on God, not on the financial problem. Isaiah 26:3 states, “You will keep him in perfect peace, whose mind is stayed on You” (NKJV). In other words, God promises us his peace if we focus on him and trust him to enable us to deal with our financial problems. As well as focusing on God for his peace when you are under financial pressure, it is also extremely important to focus on God and his Word to learn his principles with regard to finances. Sometimes, the reason for your financial problems is that you have violated one or more biblical principles, perhaps unknowingly. In this regard, I recommend the 10-week small-group study developed by Crown Financial Ministries. If it is not currently available through your church, you can contact Crown Financial Ministries of Canada at 519-637-0626. Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

Jesus said, “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store PRIORITIES-TREASURES IN HEAVEN I believe that “treasures on earth” include money and material things. Back to Priorities Treasures in Heaven By: Tom Copland June 13, 2020 Jesus said, “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store PRIORITIES-TREASURES IN HEAVEN I believe that “treasures on earth” include money and material things. These are the things that we tend to prize during our lifetime but that will have no importance when we get to heaven. The apostle Paul made it clear: “For we brought nothing into the world, and we can take nothing out of it” (1 Timothy 6:7). On the other hand, “treasures in heaven” include things that will be important to us when we get to heaven. I believe that “treasures in heaven” include salvation (as one’s salvation will last for eternity) and the rewards in heaven that God promises to his faithful stewards. The concept of rewards in heaven is difficult to grasp in concrete terms because we don’t really know what heaven will be like, and scripture does not explicitly describe heavenly rewards. However, it is important to realize that what we do here on earth does have an effect on what awaits us in heaven. 1 Timothy 4:7 tells us that “godliness has value for all things, holding promise for both the present life and the life to come.” Godliness includes the way we handle our finances. We read about treasures in heaven again in 1 Timothy 6:18, 19: “Command them to do good, to be rich in good deeds, and to be generous and willing to share. In this way, they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.” In the Parable of the Talents, the concept of rewards is specifically linked to faithful financial stewardship. To servants who have been faithful stewards, God has promised that he will put them “in charge of many things” and that they will enjoy happiness with their master. Jesus said, “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master’s happiness!” (Matthew 25:21). As human beings, it is easy to get focused on money and material things that we can enjoy while we are here on earth. However, because money and material things are temporary, it is the wise Christian who focuses on “treasures in heaven.” Colossians 3:1, 2 states, “Since, then, you have been raised with Christ, set your hearts on things above, where Christ is seated at the right hand of God. Set your minds on things above, not on earthly things.” May I encourage you to take a few minutes right now and pray, asking God to reveal to you how you need to adjust your focus from treasures on earth to treasures in heaven. Previous Article Next Article More Topics Investing Counsel & Wisdom Stewardship Principle Read More Read More Read More

God had me take your Zoom class right on time. This was a big debt and because of what I learned in your classes concerning the Word of God I decided not to take any offers to pay less of my debt but instead I desired to pay it all. I could not have actually done so without God helping me each step each day each week each month. Back to Testimonials GLORY TO GOD IN THE HIGHEST!!!!!!! Hello Tom . It is with a heart of praise and thanksgiving to God that I write you this night. I paid off a roughly $5000+ creditor account today!!!!!! GLORY TO GOD IN THE HIGHEST!!!!!!! Truly the Lord has helped me so so so so so so much and has been merciful towards me. I began paying $500 biweekly since October 2021. God had me take your Zoom class right on time. This was a big debt and because of what I learned in your classes concerning the Word of God I decided not to take any offers to pay less of my debt but instead I desired to pay it all. I could not have actually done so without God helping me each step each day each week each month. I currently have several other loans that I am now going to begin paying off. PRAISE GOD, Tom! Your ministry has been a great blessing to me and your email responses helped me avoid taking another loan of about 40% interest just to pay off the other debt. …I need to thank you and those who labour with you in your ministry. NF Brampton ON, Canada Previous Next

Your Biblical advice has made a huge difference in our finances over the past couple of years. Thanks again. Back to Testimonials Biblical Advice Your Biblical advice has made a huge difference in our finances over the past couple of years. Thanks again. L.T. Oxbow, SK, Canada Previous Next