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From spending to saving and from drowning in debt to paying off collections and re-establishing good credit. Giving, saving, and being debt free are my priorities and focusing on the work of God's kingdom instead of the love/hate relationship with money and debt. Back to Testimonials God's provision and answered prayers I have learned and applied Biblical financial principles that have drastically influenced my relationship with money. From spending to saving and from drowning in debt to paying off collections and re-establishing good credit. Giving, saving, and being debt free are my priorities and focusing on the work of God's kingdom instead of the love/hate relationship with money and debt. Paying off what has been in collections for years and learning not to depend on anyone else but God for my provision and answered prayer, trying to live within my means, trying not to be covetous and trusting God for direction that I am doing what's right. VJ 321 West Brooklyn MTN Rd, Wolfville, NS B4P 0N8 Previous Next

Tom you are without a doubt one of the most humble people I have ever had the privilege to listen to. That has to be the reason why the Holy Spirit draws so many people to your teachings, He is your partner. Have a great evening. God Bless. Back to Testimonials Thank You Tom and God Bless You. I keep you in my Prayers Tom you are without a doubt one of the most humble people I have ever had the privilege to listen to. That has to be the reason why the Holy Spirit draws so many people to your teachings, He is your partner. Have a great evening. God Bless. D.W.P. Shawville Québec, Canada Previous Next

My name is Dario my wife and myself attended your seminar several years ago… Your seminar had helped us incredibly with our finances. We bought our house and it was paid off in 13 years. Thank you again. Back to Testimonials Your seminar has helped us incredibly My name is Dario my wife and myself attended your seminar several years ago… Your seminar had helped us incredibly with our finances. We bought our house and it was paid off in 13 years. Thank you again. Dario G. Toronto, ON, Canada (Originally from the Philippines) Previous Next

You did fabulous as always! You dove right in and tackled the subjects in such a way as to provide solid answers…but also compelling information that would cause a listener to want more info. Back to Testimonials Fabulous as always! You did fabulous as always! You dove right in and tackled the subjects in such a way as to provide solid answers…but also compelling information that would cause a listener to want more info. Anonymous Previous Next

Your sincere honesty and sharing of true situations in your life, helped the rest of us to open up and share too. Back to Testimonials This brought healing knowledge and advice Hi Efrain [one of our small group leaders of the small groups series-Financial Management God's Way] Thank you so much for such a wonderful class. Your sincere honesty and sharing of true situations in your life, helped the rest of us to open up and share too. This brought healing knowledge and advice and help to all of us - from you and each other. I felt supported, cared for, and valued, as I trust others did too. BW North Vancouver Canada Previous Next

Thanks so much for the opportunity to take Financial Management God's Way. Blessings to Tom and his team. Back to Testimonials Zoom Small group Participant Testimony I'm constantly amazed that this excellent course, Financial Management God's Way, is offered free of charge. The leaders are experienced, knowledgeable and very open and easy to talk to. The book is user-friendly and overflowing with God's word and how it relates to everyday life. Just the understanding that God owns everything and we are His caretakers is mind-changing. I encourage everyone - young and old - to take this course. I wish I had learned these practical financial principles when I was younger. It would have helped me be better prepared for my senior years and left me in a much better position, both financially and in my relationship with God. Thanks so much for the opportunity to take Financial Management God's Way. Blessings to Tom and his team. JG Kemptville, Ontario Canada Previous Next

As explained in my previous Financial Moment, God’s Word recommends the diversification of one’s portfolio into different types of investments that will likely react differently to any particular market condition. Diversification (2 of 2) Back to Investing By: Tom Copland October 19, 2021 As explained in my previous Financial Moment, God’s Word recommends the diversification of one’s portfolio into different types of investments that will likely react differently to any particular market condition. By the way, if you have absolutely no peace in investing in equities because of the related risks, then perhaps God is directing you to invest solely in very safe categories, such as the government of Canada bonds, GICs, etc. The return on “a very safe portfolio” will be very modest, and therefore you will likely have to save considerably more money to meet future needs, compared to an investor who assumes a reasonable amount of risk within biblical guidelines. There is no “perfect portfolio allocation” for all Christians. God’s Word provides general principles—not specific details. That’s why there is absolutely no substitute for spending quality time with the Lord in prayer, asking God for His wisdom (James 1:5) and His specific direction with respect to investing the money that God has entrusted to you. God has promised to direct us [Psalms 32:8, John 10:3, 4, 27]. Subject to God’s specific direction, and under normal market and economic conditions, the following asset allocation could be appropriate in order to achieve diversification. Cash, T-bills, MMFs, 10% GICs, bonds-short, medium, long–incl some real return bonds 40% Canadian equities (several sectors incl Cdn banks & resource stocks.) 20% U.S. equities (several sectors) 10% Real estate, REITs and related equities 5% International equities incl Emerging Markets & Europe 15% Total 100% Note the above is not intended to be a specific recommendation for anyone – just an example of a diversified portfolio. Be sure to obtain investment advice from a trusted advisor. Of interest, as of the date of updating this financial moment [March 27, 2010], my own personal portfolio allocation is predominately in cash. God has specifically directed me to take a very conservative position as I sense from the Lord that the economic “recovery” in the USA and Canada will be weak and short-lived. Again, the biblical principle is that we should generally diversify our portfolios in a manner that is consistent with Ecclesiastes 11:1, 2. However, since only God knows the future (Isaiah 46: 9, 10), then the only possible way to “time the market” with any consistency is in total dependence upon God for his specific direction (see John 15:5, John 10:3, 4, 27, Psalm 32:8). Over the years, I have seen a few situations where God has revealed the direction of markets to his children, but this is rare. God may not reveal the direction of the markets to you, but I do believe, based upon God’s Word [e.g.Psalms 32:8, James 1:5, John 10:3, 4, 27 etc.], that God will direct you as to how he wants you to invest the money that he has entrusted to you. In summary, God’s Word generally recommends diversification of one’s portfolio into different types of investments that will likely react differently to any particular market condition. Since no human knows the future (James 4:13–15), in order to obey God with respect to investing, it is necessary to pray and listen [John 10:3, 4, 27] for God’s specific Will with respect to investing the money that God has entrusted to you. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

Thanks again for your time and effort, prayers, and encouragement. Since starting the Copland Budgeting System both my wife and I feel as if a great weight has been lifted, we feel closer to God and closer to each other. My wife says it feels as if the waters have parted and the way has been made clear. Thank you so much for pointing us to God’s wisdom for finances. We are looking forward to working through “Financial Management – God’s Way” Praying for you and your ministry, in Jesus’ precious name. Back to Testimonials Praying for you and your ministry Thanks again for your time and effort, prayers, and encouragement. Since starting the Copland Budgeting System both my wife and I feel as if a great weight has been lifted, we feel closer to God and closer to each other. My wife says it feels as if the waters have parted and the way has been made clear. Thank you so much for pointing us to God’s wisdom for finances. We are looking forward to working through “Financial Management – God’s Way” Praying for you and your ministry, in Jesus’ precious name. Anonymous Previous Next

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

We want to say thank you! We have been attending your zoom study on financial management God's way. We have both learned so much. Personally, I never dreamed the Bible had so much to say on finances. We are currently working on a budget for ourselves and are actively paying down our debt. Thank you so much for teaching this awesome study. Back to Testimonials Zoom Webinar Testimony We want to say thank you! We have been attending your zoom study on financial management God's way. We have both learned so much. Personally, I never dreamed the Bible had so much to say on finances. We are currently working on a budget for ourselves and are actively paying down our debt. Thank you so much for teaching this awesome study. L.A. Oxbow, SK, Canada Previous Next

Discover TV Shows 28-Minute Shows that teach financial wisdom. Explore TV Shows 28-Minute Shows for insights on handling money God's way. TV Shows Tom's 28-minute videos Handling Money God's Way A featured series for individuals and families Session: 1 Stewardship Stewardship is acknowledging in your heart and mind that God owns everything Session: 2 God's Wisdom on Debt and Saving God warns of the dangers of debt and God admonishes us to save for future needs Session: 3 Steps to Get Out of Debt Obtain a practical understanding of how to reduce your debt, with the long-term objective of becoming totally debt-free Session: 4 Budgeting Includes biblical principles of investing Session: 5 Financial Deceptions Beliefs that appear to be correct but are contrary to God’s principles and often tempt people to get into debt. Session: 6 Godly Attitude Toward Money Question: Can money in and of itself, be corrupt or evil? $ Handling Money God' Way 28-Minute Shows God’s Financial Wisdom For Government Leaders and Voters Government leaders need to learn and apply biblical principles in managing government finances Managing Money During Difficult Times When people are in a state of fear or anxiety about their finances, they will often make hasty decisions. Management of Money Impacts Relationship with Spouse Most people buy things they don't need, accumulate debt, and eventually suffer the consequence. Advanced Biblically-Based Estate Planning God's Word, the Bible, has phenomenal wisdom on finances. God's Financial Wisdom for Young People Unfortunately, many Christians do not pray and wait for God's provision. In a sense, they don't even give God a chance to provide. Discerning God's Will in Managing Money An overview of the Bible's financial guidelines so you can really discern what God wants you to do. God's Financial Wisdom for Business This series is appropriate for business owners and managers. Applicable to anyone who makes important financial decisions for a business. Dealing with Inflation and High Interest Rates from a Biblical Perspectives The objective here is to determine whether you have a surplus or deficit in your monthly cash flow. God's Financial Wisdom for churches and Church Leaders You've been faithful with a few things. I'll. I'll trust you, with you, with many things. Management of Money Impacts Eternity Does how you manage money here on earth impact eternity in any significant way? Questions to Consider Before Borrowing It is not a sin to borrow money, but it is a sin to borrow without repaying. This series takes you through important things to consider before deciding to borrow money. Investing God's Way The Bible provides 12 principles related to investing. This 3-session series teaches you how to fulfill your stewardship responsibilities by way of investing the money God has entrusted to you. The Dangers of Co-signing The biblical perspective is to have minimal debt or no debt. And the Bible warns of the dangers of cosign doesn't say you can't co-sign, but it warns of the dangers. The worldly perspective is to use debt freely, which results result in lots of debt and the world's perspective. Obtaining Godly Counsel Too often we believe that we have to figure things out on our own, but this is not God’s will. God wants us to seek his counsel on any important decision. Secular Perspective vs Biblical Perspective Session 1 Overview A person with a biblical perspective will be called a biblical steward Featured Series 28-Minute Videos

Blessings to you! I've continued to watch you on Financial Moments on YesTV and you always have a wealth of information - I loved the comparison between secular and non-secular ways of managing money it really spoke to me and reminded me of the importance of managing money God's way. Back to Testimonials God willing will have the mortgage paid off in September Blessings to you! I've continued to watch you on Financial Moments on YesTV and you always have a wealth of information - I loved the comparison between secular and non-secular ways of managing money it really spoke to me and reminded me of the importance of managing money God's way. I'm writing to ask for your prayers in that, although I hope to continue to make ends meet (God willing will have the mortgage paid off in September), our new Burlington mayor has been increasing taxes dramatically (about an extra $730 or so for me in two years). I ask that you may have me in your prayers as I'm nervous about whether I will be able to retire under such circumstances. Thanks and God bless! Jennifer Jennifer Burlington Ontario Previous Next