Support Finance Tutor by donating today. Visit our Donate page to help us continue providing valuable financial education. Thank you for your support! Donate We appreciate you taking the time to check our donation page. You can donate online by completing the form below or mail a cheque payable to Copland Financial Ministries at: 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8 Canada info@biblefinance.org Canadian Charitable Registration No. 818256802 RR 0001

Discover exciting financial online webinar events with Finance Tutor. Stay updated on the latest financial online webinar opportunities today! What's On at Copland Financial Ministries Upcoming Events Thu, Sep 24 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Sep 24, 2026, 7:30 p.m. EDT – Dec 10, 2026, 9:30 p.m. EST Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start on Sept. 24, 2026 at 7:30pm-9:30pm- Thursday night +47 more Tue, Oct 06 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way- Tuesday evenings / More Details Oct 06, 2026, 7:30 p.m. EDT – Dec 15, 2026, 9:30 p.m. EST Zoom October 6, 2026 to December 15, 2026 at 7:30pm-9:30pm- Tuesday evenings +18 more Registration Closed Fri, Sep 25 Listen To Tom's Interview/Show On Life 100.3-Money and Spiritual Warfare / More Details Sep 25, 2026, 11:00 a.m. – 12:00 p.m. Life 100.3 FM, Barrie, 115 Bell Farm Rd Suite 111, Barrie, ON L4M 5G1, Canada +1 more Registration Closed Thu, Aug 27 Tom Copland-Management of Money Impacts Your Relationship with God, Spouse and Eternity" / More Details Aug 27, 2026, 11:00 a.m. – 12:00 p.m. Muskoka Bible Centre ️, 8 Pioneer Ave, Huntsville, ON P1H 2J3, Canada Tom has been teaching God's word on finances since 1982 and his financial moments are aired on approximately 200 radio stations and seven TV stations across Canada and some northern United States. Tom is the founder and president of Copland Financial Ministries. +4 more Registration Closed Thu, Aug 06 God's Wisdom on Saving and Steps to Get Out of Debt by Tony Martino / More Details Aug 06, 2026, 11:00 a.m. – 12:00 p.m. Muskoka Bible Centre ️, 8 Pioneer Ave, Huntsville, ON P1H 2J3, Canada Are you like most people who are living paycheck to paycheck? Struggling to make ends meet? Are you and your spouse experiencing stress because of finances? Would you like to reduce your debt and experience God’s peace in the area finances? See All Registration Closed Wed, Jun 17 Alexandra and Joyce Financial Management God's Way Small Group / More Details Jun 17, 2026, 7:00 p.m. EDT – Sep 02, 2026, 9:00 p.m. EDT Zoom Alexandra King and Joyce Rustenburg, small group leaders, will be leading an in-depth biblical financial study titled "Financial Management God's Way” on Zoom. +24 more Registration Closed Sun, Jun 14 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -"Mgt of Money Impacts Relation with God, Spouse & Eternity"" / More Details Jun 14, 2026, 12:00 p.m. – 2:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada On June 14, 2026 at 12:00noon to 2pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Management of Money Impacts Your Relationship with God, Your Spouse and Eternity. In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +13 more Registration Closed Sat, Jun 06 Christine Kewallal Small Group-Financial Management God's Way- Saturday, 10am-12noon / More Details Jun 06, 2026, 10:00 a.m. EDT – Aug 29, 2026, 12:00 p.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on June 6, 2026 +21 more Registration Closed Thu, Apr 09 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Apr 09, 2026, 7:30 p.m. – Jun 25, 2026, 9:30 p.m. Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start onSept. 10-Nov. 26, 2026 +57 more Registration Closed Sun, Mar 22 Tom Copland, Jonathan Grant , Josh Grant & Elijah Grant -Handling Money God's Way-(In-Person Only ) (Meta Registration) / More Details Mar 22, 2026, 6:00 p.m. – May 10, 2026, 8:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd W, Orillia, ON L3V 6X5, Canada Starting March 22, 2026, 6pm to 8pm, Tom Copland, Jonathan Grant,Josh Grant & Elijah Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +4 more Registration Closed Tue, Jan 13 Eli and Tony Financial Management God's Way Small Group-Tuesday 7:00pm-9:00pm / More Details Jan 13, 2026, 7:00 p.m. EST – Feb 24, 2026, 9:00 p.m. EST Zoom Tony and Eli will be conduction another amazing small group session that will start on January 13, 2026 +54 more Registration Closed Thu, Oct 30 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way- Thursday evenings / More Details Oct 30, 2025, 7:30 p.m. – Feb 05, 2026, 9:30 p.m. Zoom October 30, 2025 to February 5, 2026- Thursday evenings +26 more Registration Closed Sun, Oct 26 Tom Copland, Josh Grant and Jonathan Grant-In-Person Only -Handling Money God's Way / More Details Oct 26, 2025, 6:00 p.m. Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON Starting March 22, 2026, 6pm to 8pm, Tom Copland, Josh Grant and Jonathan Grant will conduct a workshop about Handling Money God's Way In Person only at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. Here's the schedule: March 22, March 29, April 5, [we will skip April 12 Easter Sunda +70 more Registration Closed Sat, Oct 25 Tony Martino - In-Person Event Only - Financial Management God's Way For Men / More Details Oct 25, 2025, 9:30 a.m. – 11:15 a.m. EDT Brampton, 11613 Bramalea Rd, Brampton, ON L6R 4B7, Canada Financial Management God's Way For Men, October 25, 2025 at Hope City Church 11613 Bramalea Rd Brampton, ON L6R 0C2 Register in this link To register please scan the QR code in this link https://hopebram.infellowship.com/Forms/478721 Registration Closed Sun, Oct 19 Tom Copland, Josh Grant and Jonathan Grant - In-Person & Online -Secular vs. Biblical Perspective On Managing Money / More Details Oct 19, 2025, 6:00 p.m. – 8:00 p.m. EDT Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON Oct. 19, 2025, 6pm to 8pm, Tom Copland, Josh Grant and Jonathan Grant will conduct a workshop about Secular vs. Biblical Perspective on Managing Money , In Person and Online at Emmanuel Baptist Church, 300 Coldwater Rd., Orillia, ON. +184 more Registration Closed Tue, Sep 16 Efrain Soto and Tom Leonard- Financial Management God's Way- Tuesday, 7:30pm to 9:30pm / More Details Sep 16, 2025, 7:30 p.m. EDT – Dec 02, 2025, 9:30 p.m. EST Zoom Starting September 16, 2025- Dec. 2, 2025. every Tuesday at 7:30pm to 9:30pm, Efrain Soto, Tom Copland and Tom Leonard , will be leading an in-depth biblical financial study titled "Financial Management God's Way” via Zoom. +99 more Registration Closed Sat, Jul 12 Christine Kewallal Small Group-Financial Management God's Way- Saturday, 10am-12noon / More Details Jul 12, 2025, 10:00 a.m. EDT – Oct 04, 2025, 12:00 p.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on July 12, 2025 +12 more Registration Closed Sat, Mar 29 Christine Kewallal Small Group-Financial Management God's Way / More Details Mar 29, 2025, 10:00 a.m. EDT – Jun 21, 2025, 12:00 p.m. EDT Zoom Christine will be leading another small group about Financial Management that will start on July 12, 2025 +27 more Load More Thu, Sep 24 Tom Leonard and Michael Howes Small Group-Financial Management God's Way- Thursdays 7:30 pm to 9:30pm / More Details Sep 24, 2026, 7:30 p.m. EDT – Dec 10, 2026, 9:30 p.m. EST Zoom Tom Leonard and Michael will be leading a small group about Financial Management that will start on Sept. 24, 2026 at 7:30pm-9:30pm- Thursday night +47 more Tue, Oct 06 Randy Ziegenhagel and Al McClaney - Financial Management God’s Way- Tuesday evenings / More Details Oct 06, 2026, 7:30 p.m. EDT – Dec 15, 2026, 9:30 p.m. EST Zoom October 6, 2026 to December 15, 2026 at 7:30pm-9:30pm- Tuesday evenings +18 more

Discover Financial Management God's Way with our interactive videos. Learn biblical stewardship, budgeting, and investing God's way today! Financial Management God's Way Introduction Management of money on our relationship with God and God’s promises on our stewardship responsibilities. Financial Management God's Way Introduction 1 of 2 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Introduction 1 of 2 04:01 Play Video Now Playing Financial Management God's Way Introduction 2 of 2 04:00 Play Video Introduction Financial Management God's Way Session 1 - 1 of 15 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Session 1 - 1 of 15 01:21 Play Video Now Playing Financial Management God's Way Session 1 - 2 of 15 03:02 Play Video Now Playing Financial Management God's Way Session 1- 3 of 15 02:08 Play Video Now Playing Financial Management God's Way Session 1- 4 of 15 02:53 Play Video Session 1: Management of Money What are God’s “true riches” that are dependent upon one’s management of money? Session 1 Session 2: Christian Stewardships What is your understanding of Christian Stewardship or Biblical Stewardship? Financial Management God's Way Session 2 -1 of 15 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management God's Way Session 2 -1 of 15 01:17 Play Video Now Playing Financial Management God's Way Session 2 - 2 of 15 04:32 Play Video Now Playing Financial Management God's Way Session 2 - 3 of 15 03:09 Play Video Now Playing Financial Management God's Way Session 2 - 4 of 15 04:33 Play Video Session 2 Financial Management Session 3 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 3 part 1 00:33 Play Video Now Playing Financial Management Session 3 part 2 05:27 Play Video Now Playing Financial Management Session 3 part 3 07:04 Play Video Now Playing Financial Management Session 3 part 4 05:08 Play Video Session 3: Biblical Stewards Do you think there’s a difference between a secular perspective and a biblical perspective on managing money and material things? Session 3 Session 4: God's Perspective on Debt and the Importance of Saving Be careful, if you borrow money you may become a servant to the lender Financial Management Gods Way Session 4 - 1 of 3 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 4 - 1 of 3 20:46 Play Video Now Playing Financial Management Gods Way Session 4 - 2 of 3 07:07 Play Video Now Playing Financial Management Gods Way Session 4 - 3 of 3 11:31 Play Video Session 4 Financial Management Session 5 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 5 part 1 03:25 Play Video Now Playing Financial Management Session 5 part 2 02:57 Play Video Now Playing Financial Management Session 5 part 3 05:42 Play Video Now Playing Financial Management Session 5 part 4 03:09 Play Video Session 5: Get Out of Debt Pray and ask God for His wisdom and His specific direction as to what you should do to become debt-free Session 5 Session 6: Budgeting The purpose of budgeting is to ensure that you spend less than you earn so that you have a surplus to pay down debt and save for future needs. Financial Management Session 6 part 1 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Session 6 part 1 03:02 Play Video Now Playing Financial Management Session 6 part 2 04:33 Play Video Now Playing Financial Management Session 6 part 3 01:57 Play Video Now Playing Financial Management Session 6 part 4 01:30 Play Video Session 6 Financial Management Gods Way Session 7 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 7 - 1 of 12 06:59 Play Video Now Playing Financial Management Gods Way Session 7 - 2 of 12 02:51 Play Video Now Playing Financial Management Gods Way Session 7 - 3 of 12 01:55 Play Video Now Playing Financial Management Gods Way Session 7 - 4 of 12 05:51 Play Video Session 7: Obtaining Godly Counsel & Wisdom If any of you lacks wisdom, he should ask God, who gives generously to all without finding fault, and it will be given to him. But when he asks, he must believe and not doubt. Session 7 Session 8: Giving Generously To learn to give generously to God’s work and experience the joy of giving Financial Management Gods Way Session 8 - 1 of 6 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 8 - 1 of 6 01:04 Play Video Now Playing Financial Management Gods Way Session 8 - 2 of 6 04:17 Play Video Now Playing Financial Management Gods Way Session 8 - 3 of 6 07:32 Play Video Now Playing Financial Management Gods Way Session 8 - 4 of 6 02:20 Play Video Session 8 Financial Management Gods Way Session 9 - 1 of 7 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 9 - 1 of 7 07:39 Play Video Now Playing Financial Management Gods Way Session 9 - 2 of 7 04:19 Play Video Now Playing Financial Management Gods Way Session 9 - 3 of 6 07:33 Play Video Now Playing Financial Management Gods Way Session 9 - 4 of 7 02:49 Play Video Session 9: Investing God's Way Invest money God’s way and God will meet your needs. Develop and implement a biblically-based investment strategy. Session 9 Session 10: Developing Godly Attitudes Toward Money Worldly Attitudes result in DEBT. Godly attitudes result in minimal debt or no debt. Financial Management Gods Way Session 10 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 10 - 1 of 12 01:47 Play Video Now Playing Financial Management Gods Way Session 10 - 2 of 12 04:43 Play Video Now Playing Financial Management Gods Way Session 10 - 3 of 12 03:57 Play Video Now Playing Financial Management Gods Way Session 10 - 4 of 12 05:30 Play Video Session 10 Financial Management Gods Way Session 11 - 1 of 12 Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Now Playing Financial Management Gods Way Session 11 - 1 of 12 08:11 Play Video Now Playing Financial Management Gods Way Session 11 - 2 of 12; Smart People Use Other People’s Money 02:56 Play Video Now Playing Financial Management Gods Way Session 11 - 3 of 12 03:23 Play Video Now Playing Financial Management Gods Way Session 11 - 4 of 12 03:00 Play Video Session 11: Financial Deceptions Do you think living paycheck to paycheck is common? Jesus recommends that you save for future needs. Session 11

Discover expert finance tutoring with our Accountant services. Enhance your financial skills and knowledge with our experienced Accountant tutors. Want ed: We are currently in need of an intermediate or senior accountant. _______________ We are currently in need of an intermediate or senior accountant. The ideal candidate should have at least 5 years of public accounting experience and be familiar with preparing financial statements, corporate tax returns and personal tax returns for private businesses. We need an individual who is available for at least 3 to 4 days a week, and we are open to hiring someone on a full-time basis. Our preference is for the candidate to work in our office located in Markham, ON but if you live a long distance away, working remotely may be acceptable. The successful candidate would have significant experience with Caseware, Caseview, Profile tax software, and Microsoft Office. Remuneration will be based upon the individual's training and experience. One unique aspect of our firm is that we give biblically-based financial advice to clients in conjunction with accounting and tax services. If interested, please send your resume at info@copland-ca.com Also feel free to tell to your friends about this ad who you think would qualify and might be interested.

Learn how to manage your money based on Biblical principles. If you have financial questions, let us know and Tom Copland or one of our trained financial coaches will advise you. UPDATE - God Is Blessing! Keep Reading For A Special Offer _______________ God is continuing to expand His kingdom through Copland Financial Ministries! Here's an overview of what the Lord has done during 2022. The financial moment ministry has grown tremendously - now on 192 radio facilities and 7 TV stations across Canada and some northern United States. Between the Financial Moments and the one-half hour radio and TV shows, we are reaching an estimate of about 2.5 million people a week. Praise God!! That's the hand of the Lord! Although COVID 19 has created a number of challenges, it has also resulted in opportunities. For example, Tom developed and presented a series twice on the topic "Dealing with Inflation and High Interest Rates from a Biblical Perspective" and we had people from almost every province in the country and some from the United States. In addition, we had several small groups on Zoom going through Tom's in-depth study "Financial Management God's Way" led by various small group leaders. Here are some testimonies from people who attended these webinar/small group series: 1. “I sincerely thank you (Copland Financial Ministries) for hosting these wonderful sessions on Financial Management God's Way. I'm forever grateful! I value your insights, along with the tips you gave me. Praise the Lord who enabled me to pay off that mortgage! I'm so glad I'm mortgage-free. What a relief it is! To Him, I give all the glory for what He made happen for me.” SP Toronto, Canada 2. “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 Ontario Canada. 3. "I attended the financial workshop and by God’s grace I was able to pay off my debts supernaturally by God’s provision. I know God transformed my situation after years of financial bondage now I am debt free and can give more and do more for His Glory. I give God the praise and glory for his direction and wisdom, and for you and your financial management course. May your ministry continue to be blessed as you speak God's word into our lives for practical use and adaptation?” SE, Toronto Canada. 4. “I would also like to thank Copland Financial Ministries, Tom Copland and Randy Ziegenhagel for this amazing teaching on Financial Management God’s Way for Women. I have learned how to manage my finances according to Biblical principles. It has been an eye open experience for me. Thanks Again! I feel truly blessed!” RG, Calgary Alberta. 5. “Dear Tom, I attended one of your courses many years ago. Your teaching and your humbleness before the Lord has stayed with me. Thanks be to God I am debt-free and I'm able to be used to help others in this world. Many thanks for your ministry.” LP, Toronto Canada 6. “I was able to start reading your book today and I’m barely into it and already feel the presence of God as I’m reading. Tom, I truly love you brother. You are such an encouragement to me and so many people. The way you include scripture throughout your writing is so timely and applicable…you teach the Bible so clearly and well. Yes, God has picked you for this ministry and I’m sure thankful for that. God bless you Tom!!” RZ, Holland Landing Ontario. 7. “Thank you for having these workshops. I didn’t realize how much I needed them and how much I needed to change. It has given me encouragement to take my financial picture more seriously and to want to use money God’s way.” AH, Edmonton Alberta. 8. “I have been blessed to be a part of this Biblical teaching! God continues to make a difference in my entire life through this workshop series, because applying Biblical principles on finances, seems to have a domino effect resulting in other areas of my life and health being improved, especially peace of mind and contentment. This teaching is EXACTLY what I need and want, and I have been learning and applying. I also let others know about it.” BG Saskatchewan, Canada. 9. “Thank you for your financial seminar I took for Singles last year. Your seminars are excellent biblical teaching that works and I am still using today. Thank you Tom and thank you God!” PH, Vancouver Canada. 10. “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. God Bless,” DWP, Shaw Bill Québec Canada. Expansion of the ministry. And Darlene continues to expand the ministry through our website and social media. You can follow us on Facebook, Instagram and Twitter under @biblefinance and be sure to check us out at coplandfinancialministries.org and our YouTube channel Copland Financial Ministries. Biblical-based financial counseling Between Tom and his small group leaders/financial coaches, we provided biblically-based financial advice on a ministry bases at no charge to over 1,300 people during the last year [that's up from 1,000 last year]. Hard Copy - Click here eBook - Click here - Use promo code "TOM" for 20% off God enabled Tom to write a new book it’s titled "Debt Reduction, Biblical Principles to Do with Inflation and High Interest Rates and Eliminating Debt". With the incredible increase in interest rates and inflation in the past year, the majority of people are hurting financially. However for those who have followed the biblical financial principles and have no debt, higher interest rates does not affect them. And for those who have saved according to biblical principles [Proverbs 21:20] but this surplus of cash, they will be able to handle the increased cost of living. If you are interested in a physical copy of this book you can click HERE . To purchase the eBook version, click HERE . Use the promo code "TOM" at check-out for 10% off. If you wish to have a copy of the book but cannot afford it, please reply to this email and explain your situation. If it is reasonable and you commit to reading it and pray for our ministry regularly, we will send you the book for free. NOTE: This offer only applies within Canada. Half hour programs We recorded several new half-hour radio and TV programs including: "Dealing with Inflation and High Interest Rates from a Biblical Perspective" and 3 new half-hour programs titled "Investing God's Way". You can watch these on our website www.coplandfinancialministries.org . We continue with the half-hour TV shows on Vision TV [nationwide], Joy TV [based in Vancouver, BC], and Faith TV [based in Winnipeg, MB] as well as the half-hour shows on WDCX Radio [Buffalo/Toronto, ON], half-hour shows on Faith FM radio stations in London, Kitchener and Woodstock, ON. This year, God opened the door for several additional half-hour shows to go on Miracle Channel in Western Canada, and with respect to Eastern Canada, we now have 9 half-hour programs on the Harvesters stations covering almost all of New Brunswick, Nova Scotia, and PEI. Praise God! As usual, Tom receives no remuneration whatsoever and almost all the people involved in the ministry are volunteers, however there are significant radio and TV costs, so we would encourage you to prayerfully consider giving to this ministry. [We have a donor who will match all donations so when you give your funds are immediately doubled!] Contributions can be made by automatic monthly donations or one time donations. To give, go to coplandfinancialministries.org/donate or send a check to: Copland Financial Ministries 325 Renfrew Drive, Suite 301 Markham, ON L3R 9S8, Canada We are registered with Canada Revenue Agency and will issue donation receipts. Proverbs 3:9, 10 says: "Honor the Lord with your wealth, with the first fruits of all your crops, then your barns to be filled overflowing and your vats will brim over with new wine". Thank you for your prayers and financial support! Tom Copland, President

Discover financial ideas for managing money during Covid-19 with FinancialMoments podcasts. Explore financial ideas to thrive in tough times. Financial Moments Videos Video Financial Moments God’s financial wisdom for government leaders & voters Watch Series Teaching Children God’s Financial Principles Watch Series God’s Financial Wisdom for Churches and Church Leaders Watch Series Managing Money During Difficult Times Watch Series Dealing with Inflation and High Interest Rates from a Biblical Perspective Watch Series Giv ing Watch Series Secular vs Biblical Perspective on Money Watch Series Financial Moments for Businesses Watch Series Peace & Anxiety Watch Series Debt Watch Series Stewa rdship Watch Series Co- Signing Watch Series Financial Moments for Young People Watch Series Godly Attitudes Toward Money Watch Series Counsel & Wisdom Watch Series Inve sting Watch Series Prior ities Watch Series Relationship with God Watch Series Money and Relationship with Spouse Watch Series Discerning God's Will Watch Series Estate Planning Watch Series The Joseph Principle Watch Series Management of Money Impacts Eternity Watch Series God Provides Miraculously Watch Series Financial Deceptions Watch Series Financial Moments Articles 8 Articles Financial Deceptions Read More 4 Articles Co-Signing/Surety Read More 6 Articles Freedom from Financial Anxiety Read More 14 Articles Investing Read More 4 Articles Priorities Read More 3 Articles Counsel & Wisdom Read More 3 Articles Stewardship Principle Read More 1 Article Debt Principles Read More 1 Article The Joseph Principle Read More Articles Financial Moments > Covid-19 Covid-19 & Financial Moments 1. God Is in control regardless of Covid 19 Play Video 2. Experiencing God’s peace during a pandemic Play Video 3. Steps to Obtaining God’s peace Play Video 4. God Promised to Meet our Needs as We Put Him First Play Video Financial Moments on Managing Money during COVID 19 Watch Now Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Share Channel Info Close Financial Moments > Podcasts Financial Moment Podcasts Listen to Tom's Financial Moments on-demand. Now available wherever you get your podcasts. Search for "Copland Financial Ministries" on your favourite streaming platform. Don't forget to rate & review!

I would just like to say that what you are doing is amazing! I know it is helping many people! I first saw you in your commercial. I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23-year-old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases. Your love for the Lord is admirable as well, and you are a fantastic role model. I can’t wait to tell people I know about you! cheers! Back to Testimonials I can't wait to tell people I know about you! I would just like to say that what you are doing is amazing! I know it is helping many people! I first saw you in your commercial. I am so happy to see a Christian giving Godly based wisdom on finances. I am also glad that I have your messages as a 23-year-old now, that way the rest of my life could be set on the right track. Thank you for what you do, I hope that it never ceases. Your love for the Lord is admirable as well, and you are a fantastic role model. I can’t wait to tell people I know about you! cheers! Anonymous Previous Next

In my experience, the following are the common elements of a “get-rich-quick investment.” 1. There is a promise of an abnormally high rate of return. If the expected rate of return is unusually high, then the risk associated with that investment is also unusually high. Avoid "Get-Rich-Quick Investments" and Hasty Decisions Back to Investing By: Tom Copland October 19, 2021 In my experience, the following are the common elements of a “get-rich-quick investment.” 1. There is a promise of an abnormally high rate of return. If the expected rate of return is unusually high, then the risk associated with that investment is also unusually high. Hence there is a risk of very significant losses. If it sounds too good to be true, then it probably is. 2. Generally, the investor has a limited understanding of the investment. It is easier for a salesperson to sell you a high-risk investment when it is outside of your expertise. 3. It usually requires a quick decision that will prevent the potential investor from obtaining independent counsel from someone who has a thorough understanding of the investment. 4. Frequently, debt is utilized because debt increases the returns if the investment is successful; but debt also increases the losses if the investment goes sour. 5. Generally, a get-rich-quick investment is not diversified in accordance with Ecclesiastes 11:1, 2 but is focused on one investment or one sector, which increases the return if the promoters are right in their predictions, but it also increases the losses if they are wrong. God clearly warns of the dangers of trying to get rich quick: Do not wear yourself out to get rich; have the wisdom to show restraint. Cast but a glance at riches, and they are gone, for they will surely sprout wings and fly off to the sky like an eagle. (Proverbs 23:4–5) The emphasis in Scripture is to save and accumulate a little at a time over a long period of time and not to try to get rich quick. Proverbs 13:11 states, “Dishonest money dwindles away, but he who gathers money little by little makes it grow” (emphasis added). As explained in my Financial Moment titled “Investing—Assess Your Tolerance for Risk and Invest Accordingly,” it is biblical to assume some risk within your investment portfolio. However, when investors try to make a lot of money very quickly (i.e., to get rich quick), then generally they assume an excessive amount of risk and debt, and they frequently lose everything. This is not God’s will. Therefore, if someone recommends an investment that promises an abnormally high rate of return, or requires a significant portion of your portfolio, then I recommend the following: 1. Pray and ask God to direct you through his Holy Spirit. A lack of peace can be God’s way of communicating to you or your spouse that it is not God’s will for you to invest. 2. Ask God to reveal to you your motives. Motives are important to God (Proverbs 16:2). Ungodly motives include greed, covetousness, impatience, and pride; the corresponding godly motives would be generosity, contentment, patience, and humility. 3. Take the time that is required to obtain sufficient knowledge and understanding of the investment before you invest (Proverbs 28:19, 20). 4. Use godly counsellors who have the necessary experience and knowledge and will not personally profit if you decide to invest (Psalm 1:1–3). In summary, if you do not have sufficient time to complete the four suggestions above, then do not invest. Some of the best investment decisions ever made are the decisions not to invest. Hasty decisions are usually bad decisions (Proverbs 21:5). And remember, the emphasis in God’s Word is to save and accumulate assets for future needs over a long period of time—not to get rich quickly. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

Explore our Downloadable PDFs for finance tutoring. Access comprehensive resources and enhance your learning with our Downloadable PDFs today! Downloadable PDFs Resources from Tom's past seminars and workshops Financial Management God's Way Presented at Agincourt Pentecostal Church Download Debt Reduction God's Way Presented at Bayfair & Westney Baptist Church Download Handling Money God's Way For individuals and families. Presented at First Filipino Baptist Church Download God's Perspective on Money Presented at Scarborough Grace Church Download God's Wisdom in Managing Money Interactive series presented at Greenhills Christian Fellowship Download God's Perspective on Debt Series with suggested solutions presented at InTouch Ministries Download Debt Reduction God's Way Interactive series presented at Morningstar Christian Fellowship Download Administración Financiera con Base en los Principios de Dios Financial Management God's Way - Spanish Version Download Discerning God's Will in Managing Money Advanced series presented by Tom Copland Download

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

Just watched your program on Vision TV ….and was so encouraged by your very Christ centred & biblical teaching . Back to Testimonials You truly a servant of God Just watched your program on Vision TV ….and was so encouraged by your very Christ centred & biblical teaching . You a truly a servant of God . I will pray for you as the Lord leads …for His protection , & guidance …in all He leads you to do . The Lord bless you and keep you ! In Christ Jesus our Lord. Janet, St. Catharines Ontario" Janet St. Catharines Ontario Previous Next

I’m reading through that book by Tom Copland. Wow is it good and wow did I break so many principles of God! It’s very confusing as I thought this was the will of the Lord how it came about but he says at the beginning that Tom said God uses financial issues as trials as well. Back to Testimonials Financial Moments, Biblical Principles That Will Transform How You Manage Money Adam - I’m reading through that book by Tom Copland. Wow is it good and wow did I break so many principles of God! It’s very confusing as I thought this was the will of the Lord how it came about but he says at the beginning that Tom said God uses financial issues as trials as well - so many times it’s both but I did sin looking back . I admit that I made horrendous decisions, I will learn from them and not make the same errors in the future as the Lord brings income since if this was successful I would have taken on similar risks in future deals. Many lessons to take from this and he did change me in the process and save me from greater disaster as the business would not have been able to support everything I was trying to accomplish. Adam Previous Next