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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

Over the past 28 years, I have had the privilege of working with 300 to 400 business people. In my experience, generally when they invest in something that they understand, and within biblical principles, they earn a profit. However, when they invest in something that they don’t understand, frequently they lose money. Ensure that you Understand the Investment Back to Investing By: Tom Copland October 19, 2021 Over the past 28 years, I have had the privilege of working with 300 to 400 business people. In my experience, generally when they invest in something that they understand, and within biblical principles, they earn a profit. However, when they invest in something that they don’t understand, frequently they lose money. God warns us of this in Proverbs 19:2: “It is not good to have zeal without knowledge, nor to be hasty and miss the way.” As applied to investing, this proverb warns us that it is not good to be excited about a particular investment without having a thorough knowledge and understanding of it. If you have been asked to commit to an investment without having sufficient time to obtain an understanding of it and to pray about it, then I strongly recommend that you not invest. Whether you plan to build a house, an investment portfolio, or a retirement fund, God’s Word emphasizes the importance of understanding, wisdom, and knowledge. By wisdom, a house is built, and through understanding, it is established; through knowledge, its rooms are filled with rare and beautiful treasures. (Proverbs 24:3, 4) In my view, the level of knowledge that you need to obtain before acquiring a particular investment is to understand the nature of the investment, what has to occur for the investment to be profitable, and what could occur that would make the investment a loser. Historical returns and historical volatility are helpful. However, they provide no guarantee of future returns. For example, in regard to a mutual fund, you need to understand the objective of the fund, the track record of the fund manager, and have knowledge and understanding of the 10 largest holdings within that fund. Knowledge and understanding of the markets in general as well as the economy, on a “macro basis,” is important as well. Generally speaking, the more you understand about a particular investment and the more experience that you have, the better. However, remember that on average only about 15 percent of all professional money managers beat the relevant index, notwithstanding their extensive knowledge of the stocks in their portfolio. The truth is, the best investment today depends on what happens in the future. Since no human can consistently predict the direction of any stock or any market (James 4:13–15), it is critical to rely on God, who is the key source of wisdom and understanding. The fear of the LORD is the beginning of wisdom; all who follow his precepts have a good understanding. (Psalm 111:10) In other words, as you consider a particular investment and develop your investment strategy, you must “follow God’s precepts,” which requires that you understand and apply God’s investment principles. Clearly, if you do not understand God’s investment principles, you won’t apply them. Secondly, you need to acknowledge that only God knows the future (Isaiah 46:9, 10), and therefore only God knows which investments will do well. Therefore, in prayer, ask God to direct you according to his will. Trust in the LORD with all your heart, and lean not on your own understanding; in all your ways acknowledge Him, and He shall direct your paths. (Proverbs 3:5, 6 NKJV) 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

Regardless of how difficult your financial problems are, it’s important to remember that God is in control. He is the all-knowing, all-powerful, and everywhere present God. Back to Freedom from Financial Anxiety God is in Control By: Tom Copland June 15, 2020 Regardless of how difficult your financial problems are, it’s important to remember that God is in control. He is the all-knowing, all-powerful, and everywhere present God. After God miraculously provided all the materials and labor that were needed to build the temple, David acknowledged God’s sovereignty and power by praising God as follows: Everything in the heavens and earth is yours O Lord and this is your kingdom. We adore you as being in control of everything. Riches and honour come from you alone, and you are the ruler of all mankind: your hand controls power and that might and it is at your discretion that men are making great and given strength. (1 Chron. 29: 11, 12 TLB) Even if you find that the financial pressures are overwhelming and you are “at the end of your rope,” God is still in control: “The LORD has established his throne in the heavens, And His sovereignty rules over all” (Ps. 103:19 NASB). God is aware of your financial problems as he watches over you: “The LORD watches over all who love him, but all the wicked he will destroy” (Ps. 145:20). God is aware of every detail of your financial problems (Ps. 139:1–4 ). Although God did not cause your financial problems, he has allowed them to occur in your life. He has a purpose for any trials that his children encounter. Perhaps you have unknowingly violated one or more of his principles, in which case the purpose would be to teach you something. Or perhaps your financial problems may simply be the result of God “pruning” you with the objective of you “bearing more spiritual fruit”(John 15:2). Either way, God is still in control. In Isaiah 46:9–11 God says, I am God, and there is no other; I am God, and there is none like me. I make known the end from the beginning, from ancient times, what is still to come. I say: My purpose will stand, and I will do all that I please. From the east I summon a bird of prey; from a far-off land, a man to fulfill my purpose. What I have said, that will I bring about; what I have planned, that will I do. Because God is in control, we need to trust him completely and depend solely upon him for the direction and strength that we need in dealing with all of our financial problems. Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

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!

Thanks so much for your advice and all your resources. Your support, advice, validation and sincere heart have been such an encouragement and blessing to us. We left our time with you feeling great peace and clarity, even though all our financial problems are not instantly solved. God used you to speak into our lives and we are so thankful for that. Back to Testimonials Thank you for your advice Thanks so much for your advice and all your resources. Your support, advice, validation and sincere heart have been such an encouragement and blessing to us. We left our time with you feeling great peace and clarity, even though all our financial problems are not instantly solved. God used you to speak into our lives and we are so thankful for that. R.G. Toronto, ON, Canada 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

I was on your zoom call last evening I truly am thankful for clear biblical empathize on money. I have and at times continue to struggle with treating God’s money God’s way but by His grace, the battle is being won. Please keep doing this. Back to Testimonials Please keep doing this I was on your zoom call last evening I truly am thankful for clear biblical empathize on money. I have and at times continue to struggle with treating God’s money God’s way but by His grace, the battle is being won. Please keep doing this. Daniel Dakin ON, Canada Previous Next

I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry. Back to Testimonials I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation " I’d be very grateful to receive a copy of your new book on Biblical principles to deal with inflation. Thank you so much. I’ve been praying for at least 8 months now, asking God to help my son pay down a large income tax debt. I can’t tell you how much your courses are helping me. I’m learning so much. It almost seems overwhelming so I need to keep going over it. Thanks so much. May God richly bless you and your ministry." J. G. 281 Fir Lane Kemptville, Ont K0G 1J0 Previous Next

I’m grateful to have had the opportunity to take this course. Thank you, Tom, for your ministry." Back to Testimonials The budgeting material (in particular) has been very helpful I’ve been an adult for several decades) and have committed to monthly giving for my charities and church. I had no idea, before taking this course, that God was so “invested” in the topic of finances. As I read my bible now, I notice references to money and regard them as actual financial advice and not just metaphors using money. The budgeting material (in particular) has been very helpful. (Thank you). I’m grateful to have had the opportunity to take this course. Thank you, Tom, for your ministry." P.K. Oro-Medonte, Ontario, Canada Previous Next

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