Growing up, my parents and grandparents never overspent on anything and neither did I (but we are not holy and righteous). However, while I thought I was “pretty good in terms of everything” especially money management, my daughter’s credit card debts surfaced in 2013 after she was baptized and moved away from home to university. For the first time, she had a lot of money to manage, from student loans, ESF education saving fund, part time jobs to monetary gifts from relatives. Back to Testimonials God answers prayer with respect to a wayward daughter Background I was born into an atheist family tree, in Communist country where people believed Karl Marx’s theory "Religion is the sign of the oppressed creature, the heart of a heartless world, and the soul of soulless conditions. It is the opium of the people”. The culture I grew up in was founded on atheistic philosophy with no room for belief in God, but each one has his or her own god. When-where - how I met Jesus In the late 30’s, I immigrated to Toronto with my family of three. My ex-husband left me and my 6-year-old daughter in a new country in a rental apartment, when I was laid-off from work, when my father was sick (that's another testimony, my father was healed and still alive today, please pray for his salvation), with no friends and family around. No one called to check in on us, but miraculously the Lord called and invited us to visit HIS family, His church through HIS children. It was then and there, I knew Jesus, my Lord and my little girl attended Sunday School for the first time, a school I never knew nor attended as a child. From then the mustard seed was planted in my daughter's heart. Looking back, I wish I would have been like Simon Peter and Andrew in Ma.4:19 “at once they left their nets and followed” without hesitation when the Lord said “Come, follow me”. It took me almost 3 years (The Lord is patient) to accept Jesus as my personal saviour and I was baptized on Easter Sunday 2003. That decision I have made is my turning point, where I was called to a new life, just like God’s call to Abraham to leave Ur and go to Canaan. God called me to leave my country, my kin, and my fathers’ house to go to the land he will show me (Gen. 12:1). I saw God’s salvation plan unfold concerning me (Who am I? 2 Samuel 7:18) that started from a geographical move to a spiritual move, from social and cultural influences of “my country, my people and self-righteousness father’s household, from and through all the brokenness of divorce, unemployment, loneliness, uncertainty, and from all kinds of fears to HIS kingdom, where I have a KING, Jesus who cares for me.” The Lord has plans for me which are stated in Jeremiah 29:11 “For I know the plans I have for you, plans to prosper you and not to harm you, plans to give you a hope and a future.” I could testify day and night of every act of mercy and grace the Lord God has shown to me, the life I have now in Christ is a living testimony and a living sacrifice I long to offer to my Savior. I no longer belong to my country where I was born, my sinful family tree and the people and culture which used to influence and shape me, instead, I bear HIS Name, Yahweh, Jesus, the Most High. My identity is not a divorced woman or a single mom (those are my temporary social status though), “You are Mine” says the Lord in Is.43:1, and God made me who I am to show the world who HE is. Our crisis, HIS opportunity Growing up, my parents and grandparents never overspent on anything and neither did I (but we are not holy and righteous). However, while I thought I was “pretty good in terms of everything” especially money management, my daughter’s credit card debts surfaced in 2013 after she was baptized and moved away from home to university. For the first time, she had a lot of money to manage, from student loans, ESF education saving fund, part time jobs to monetary gifts from relatives. Like Proverbs 21:20 described, she “spends whatever she gets” without giving any thought of saving, planning, and budgeting; the buy now pay later mentality and the minimum payment option became the norm to her - something I never taught her nor did myself, but the world. When I asked her what gifts she would like to have on her birthday or for Christmas, she expressed it would be appreciated if I could pay her credit card balance as her friends’ parents did to her friends. I paid her credit card balance a number of times and even suggested to cut-off her credit card, but she still continued to have unpaid balances and piled up interest here and there. The hardest part was watching my girl who grew up from Church (almost every Sunday), drifting away from the truth, being in debt, and experiencing depression and anxiety. They were like mountains over her (also over me), from a joyful girl she became very angry and hard to communicate with. I knew this was something beyond what I was able to handle and fight on my own (in fact we control nothing). I agree with Tom who said, “Sometimes, the root of financial problems goes beyond the financial sphere and into the spiritual” in Financial Management God's Way. Deliverance through repentance I don't remember how many times my face was covered in tears behind closed doors, inside my car, during Sunday services, and in the middle of the night. I went to the Lord in prayer as Daniel did in Daniel 9 “Lord, I confess I didn’t train her up in the way she should go, nor did I bring her up with the discipline and instruction that comes from YOU.” Rather than reading the Bible to and with her, I encouraged her to call the toll-free story lines, and I ordered senseless magazines and novels for her that had no divine spiritual wisdom. I sent her to all kinds of extracurricular activities such as art classes, karate, supplementary academic courses - all of which are not bad things, but without the realization that having a relationship with Jesus should have come first before anything else. Apart from taking her to church each Sunday, I rarely prayed for or with her throughout her life, only times when she was sick or struggling. I let television, and pop culture influence her instead of teaching her the ways of the Lord. I admitted to the Lord that I am the one described in Psalm of Asaph Ps.73:22 “senseless and ignorant; I was like a beast before You”. For the first time in my Christian life, over a decade after baptism, I committed myself to the Word. I was called to take my sandals off, did my spiritual inventory check, wrote down all the sins I have committed since I was little, prayed one by one with a trustworthy church sister, prayed the cleansing, deliverance and renewing prayers according to 1 John 1:9 "If we confess our sins, he will cleanse us from all unrighteousness.” I was called “go and be reconciled” to my daughter, (Ma. 5: 23-24.) I asked my daughter to forgive me for all my parenting mistakes and all of the unkind things I have done and said, and for being insensitive or even heartless to the hurts I have caused to her emotionally and mentally. Transformed to a praying woman and mom and servant of God During those challenging years, I learned to praise the Lord for my daughter's life, not to accuse her as she is wonderfully and fearfully made with God's very image. I thank God for protecting her from the very beginning of her life from abortion (that's another testimony) as she is truly not my plan, but God’s. As it says in Jeremiah 1:5 “Before I formed you in the womb I knew you, and before you were born I consecrated you”. So I prayed, “Lord, may your powerful hand reach down from on high and take hold of your daughter, draw her out of deep waters and rescue her from her powerful enemy of credit card debt, depression and anxiety and those underneath the surface I am unable to know and see, those she doesn’t want to let me know, they are too strong for her”. The Lord responded to me with 2 Chronicles 20:15 “Do not be afraid or discouraged because of this vast army. For the battle is not yours, but God’s.” During those challenging years, I asked my pastors and trusted church members to pray for my daughter, I asked my mother (that's another testimony) and her church to pray for my daughter. I was also introduced to Stormie Omartian's “The Power of a Praying Parent” book, which starts with Lamentations 2:19 “Pour out your heart like water in the presence of the Lord. Lift up your hands to him for the lives of your children”. So, I learned “Always Keep on Praying” (1 Thessalonians 5:17 TLB) and stayed in contact with the Most High in “all occasions, with all kinds of prayers, and all kinds of requests”. The Word of God was and is my weapon as it is written in Hebrews 4:12. My bedroom closet, my car, kitchen, bedroom, living room all became my “war rooms” and altars built to the Lord. The Truth sets us free On my daughter’s side, there were a lot of good changes that happened, which exceeded my expectations or what I could ever imagine. She started asking me and other church members to pray for her, started attending church, praying for herself, and reading the Bible. Long story short in the new year of 2019, she re-dedicated herself to the Lord, consciously prayed the sinner's prayer and made a conscious declaration to accept Jesus as her Lord and saviour again. She was re-baptized and shared her testimony before the presence of the Lord, her heavenly Father at Connect Church. Later on, when she graduated from University, God heard her prayer and granted her a very promising job as a new graduate. She was set free from the bondage of credit card debt, and she learned to plan and budget. She tithes faithfully, and amazingly, the depression and anxiety were cured with almost no medication. “If God is for us, who is against us?” (Rom. 8:31). She sponsored a 12-year-old boy in Africa with the income Father God gives her. In mid 2021, God also blessed her with a property of her own to manage. During the pandemic, God called her to partner with HIM in youth ministry at Connect Church. She studies the Word and shares the understanding that God revealed to her with me all the time. Our dining table has become our altar of thanksgiving, prayers have become our first choice, resort, and our lifeline to God. On my birthday this year, instead of going to a restaurant, my daughter took a day off, spent 7 hours preparing a party of 7 with a budget of $70 dollars, and the final cost was $67.03. Instead of buying a birthday card, she crafted a beautiful one, she wrote: “Mom, God knew you long before your birthday, He knew your life and He knew you would be called out of the land you knew into a far and foreign land. Who could have imagined that this is our life today? God has redeemed us and been faithful to us. He had not broken a single promise. I was reading 1 Samuel and Hannah's prayer spoke to me. In her sorrow she went to the temple and prayed for a child so intensely but so simple, and then she promised that her son would be dedicated back to God. When she followed through on her promise & dedicated Samuel, the Lord blessed her with 5 more children. I know you prayed without ceasing for me, a simple yet desperate prayer for God to move in my life, and HE has. Because God has been faithful to keep His promises, I will be faithful to serve. God knows the desires (needs) of our hearts, and He will bless His children because He loves us....” While I was reading the card, I saw Luke 15 replaying in slow motion. “when she (mother and daughter) was still a great way off, her FATHER saw her and had compassion, and ran and threw His arms around her neck, and kissed her”; I heard the FATHER say to his servants, “bring out the best robe and put it on her, and put a ring on her hand and sandals on her feet”; I heard David Leonard singing his song "I will wait" that says: “In the morning, I will rise up, shed the darkness, and bathe in Your light. And I recount all, every blessing. The words You've spoken, that bring me new life. I am reminded from where You have brought me. And where You have placed me for today. And I won't forget that Your hand will hold me. Your love sustains me through the wait. Oh the burdens that I've carried. They are heavy, oh too heavy to hold. There's a river, there's a sunrise, I will wait on You, Lord.” In that moment, I rose up and embraced my daughter and four hands held together I prayed “Father God, thank you for your generosity and loyalty chasing after us, thank you for making us be right with you and thank you for fighting for us in the heavenly Realms…Pray for us Lord as you have prayed for Peter, so our faith may not fail. We wait on YOU till the second coming of our Lord Jesus Christ, we love YOU.” Ps. I am a born-again Christian and attended Financial Management God's Way for Singles hosted by TCM on Zoom during Aug- Nov 2021. S.L. New Tecumseth, ON, Canada Previous Next

In Matthew 25:14–30, Jesus Christ gives us the Parable of the Talents. In this parable, the master represents God, and the servants represent you and me—that is, the people. The master entrusted different amounts of material wealth to three servants. Back to Stewardship Principle God Requires Faithful Stewards By: Tom Copland June 15, 2020 In Matthew 25:14–30, Jesus Christ gives us the Parable of the Talents. In this parable, the master represents God, and the servants represent you and me—that is, the people. The master entrusted different amounts of material wealth to three servants. To one servant, he entrusted five talents of money, to another, two talents, and to another, one talent. This is consistent with real life. Nowhere in scripture does God promise to provide everyone with the same amount of material wealth. When the master returned, he found that the servants with five and two talents had each doubled their money. The servant with one talent had buried his, making no effort to invest his master’s money. It’s interesting to note that the praise God gave the servant who had five talents and earned five more was identical to the praise that he gave to the servant who had two talents and earned two more. That praise was, “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, 23). As for the servant who was entrusted with one talent, he was lazy, wicked, and unfaithful to God. In short, he was not a good biblical steward. What was God’s decision with regard to the unfaithful servant who was entrusted with one talent? Matthew 25:28 and 29 states, “Take the talent from him and give it to the one who has the ten talents. For everyone who has will be given more, and he will have an abundance. Whoever does not have, even what he has will be taken from him” (emphasis added). It’s important to understand what this verse means. The words “for everyone who has will be given more” mean that everyone who has been a biblical and faithful steward, God will entrust with more. On the other hand, those have been unfaithful in their stewardship to God will lose even what they have been entrusted with. The servants who were entrusted with five talents and two talents demonstrated faithfulness to God, and thus God entrusted them with more. However, the third servant was not faithful, and therefore even that one talent was taken away from him. I believe that the kind of stewardship that God is looking for could be summarized as follows: Biblical stewardship occurs when a Christian (1) acknowledges in mind and heart that God owns everything (2) acts accordingly—that is, learns and implements God’s principles in managing the money and material things that God has entrusted to him or her (3) utilizes these resources in accordance with God’s will, not one’s own will Previous Article Next Article More Topics The Joseph Principle Read More Debt Principles Read More Counsel & Wisdom Read More

Do you feel burdened and worried about your finances? Do you feel overwhelmed by financial problems? Back to Freedom from Financial Anxiety Are You Overwhelmed by Financial Problems? By: Tom Copland January 4, 2021 Do you feel burdened and worried about your finances? Do you feel overwhelmed by financial problems? Jesus said, “Come to me, all you who are weary and burdened, and I will give you rest. Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. For my yoke is easy and my burden is light” (Matt, 11: 28–30). Jesus gently encourages us to come to him humbly, first asking for his help and then “yoking” with him—that is, depending on God to carry the heavy part of the load. God has promised that he will sustain us, no matter how difficult the circumstances. "Listen to me, O house of Jacob, all you who remain of the house of Israel, you whom I have upheld since you were conceived, and have carried since your birth. Even to your old age and gray hairs, I am he, I am he who will sustain you. I have made you and I will carry you; I will sustain you and I will rescue you." (Isa. 46:3, 4) In order to relieve some of the financial pressures, as a practical matter, I recommend you consider some of the following suggestions: 1. Track your expenditures for two or three months to determine where your money is going. Most people don’t know where their money is being spent. 2. Develop a budget—my firm has developed an Excel-based budgeting system that is available at no charge. Call us if you would like a copy (905-477-1300). 3. In the process of developing and following a budget, ensure that you are spending less than you are making in order to provide a monthly surplus. 4. Use that surplus to pay down debt with the highest interest cost first, which is generally credit cards. 5. Next, pay down your other debts, and save some money for emergencies. (See Proverbs 21:20.) Be sure to spend quality time with God daily, asking him for specific direction about your finances. God has promised that if we ask him for wisdom, he will give it to us (James 1:5) and if we ask him for his specific direction, then he will provide direction to us (Prov. 3:5, 6). Previous Article Next Article More Topics Co-Signing/Surety Read More Investing Read More Priorities Read More

This teaching is EXACTLY what I need and want, and I have been learning and applying. I also let others know about it. I purchased some of the books, and was blessed to receive a free one too, and I give these books to my friends and family members. Back to Testimonials I have been blessed to be a part of this Biblical teaching! "Hello Tom, 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 study definitely benefits my personal relationship with God, and helps me to see that it was really lacking in the area of finances. I really appreciate the participants materials/ workbook, because I really like to see things in print, so I can read it. The case studies are very very helpful. Love the highlighted memory verses.I really appreciate the overall STRUCTURE of the course, which is something that I really need. Structure and guidance, specifically BIBLICAL guidance, is really an answer to my prayers. Tony and Eli provided exceptional leadership to our group. They work very well together, they know how to move things along, for efficient use of time, while also recognizing when it is beneficial to spend more time on a certain topic, showing lots of common sense, respect and wisdom. I appreciate that they each have their own personal relationship/ walk with God, and this is evident. Tony and Eli encouraged others to participate, which helps people to grow, come out of our comfort zone ( which I would not have done unless prompted ) and go to a higher level. I was sad when the group was finished, but I plan to do more. Yes, I have made, and continue to make significant changes in the way I manage (God's) money. Overall, this teaching is EXACTLY what I need and want, and I have been learning and applying. I also let others know about it. I purchased some of the books, and was blessed to receive a free one too, and I give these books to my friends and family members. Thank you very much. BG Saskatchewan, Canada Previous Next

I've benefited greatly from your teaching as it has helped me change my thought process on handling my finances, planning for the future, and estate planning. I record your messages on my PVR so I can watch them from time to time. So again thank you again. Back to Testimonials I've benefited greatly from your teaching I've benefited greatly from your teaching as it has helped me change my thought process on handling my finances, planning for the future, and estate planning. I record your messages on my PVR so I can watch them from time to time. So again thank you again. L.C. Montréal, QC, Canada Previous Next

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

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

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

In this world, we are bombarded with all kinds of advertisements and advice that entice us to borrow money. As a result, many people believe the lie that it’s okay to “buy now and pay later” or that “smart people use other people’s money”. Back to Debt Principles God's Warning - Debt is Dangerous! By: Tom Copland June 15, 2020 In this world, we are bombarded with all kinds of advertisements and advice that entice us to borrow money. As a result, many people believe the lie that it’s okay to “buy now and pay later” or that “smart people use other people’s money”. What many people don’t realize is that this advice is contrary to God’s Word, the Bible, as God warns in Proverbs 22:7 that if you borrow money, you will likely become a servant to the lender. “The rich rule over the poor, and the borrower is a servant to the lender.” [NIV] “The rich rule over the poor, and the borrower becomes the lender’s slave. [NASB] The biblical truth is that we are here on this earth to serve God, not a lender. When you borrow money, you are limiting your future options and legally committing yourself to service the debt. In the process of servicing the debt, you may become a servant to the lender and encounter one or more of the following detrimental consequences: Detrimental Consequences: 1. A spouse must work additional hours in order to repay debts, and as a result, family relationships suffer (I Timothy 5:8). 2. A wife does not have the option to stay at home with her children, as she must work in order to help her husband “service” their debt load. 3. A Bible college or seminary graduate is unable to accept a full-time job in ministry, as the salary is insufficient to enable him or her to repay student loans. 4. An older individual or couple cannot retire but must continue to work (regardless of health issues) in order to meet their financial obligations. 5. Many people experience anxiety and stress from their debt load because they have used credit cards and/or personal lines of credit to “live beyond their means”. 6. When debts accumulate, generally giving to God’s work decreases or disappears. 7. With a lot of debt, you could be forced into bankruptcy and lose everything. 8. Nasty calls from creditors and threats from lenders to repossess your home, car etc. will generate tension between a husband and wife, destroying their relationship and often resulting in divorce. 9. Many family businesses have been forced into receivership, because of their debt load. 10. Debt causes stress, which frequently results in health problems. 11. A Christian’s time and energy are consumed by money related problems, reducing your time with the Lord and His word, thus hindering their relationship with God (Mathew 6:24). In light of the above, it’s no wonder that every reference in the Bible to borrowing is negative! You won’t find one positive reference in Scripture with respect to borrowing. God loves us and he does not want us to become a servant to a lender and suffer the consequences outlined above. In summary, God warns of the dangers of debt and strongly discourages borrowing. In upcoming financial moments, I will expand on what the Bible says on debt and provide some practical steps to get out of debt. More Topics Stewardship Principle Read More The Joseph Principle Read More Financial Deceptions Read More

In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. Assess your Tolerance for Risk and Invest Accordingly Back to Investing By: Tom Copland October 19, 2021 In Ecclesiastes 11:1–6, God recommends the assumption of a reasonable amount of risk within your investment portfolio. “Cast your bread upon the waters, for after many days you will find it again” was a metaphorical expression used in the grain trade that illustrated the potential successful prospects of a business investment. God instructs the farmer, who is also an investor, to “sow your seed in the morning, and at evening let not your hands be idle, for you do not know which will succeed, whether this or that, or whether both will do equally well.” In addition, over-cautiousness is discouraged——“Whoever watches the wind will not plant; whoever looks at the clouds will not reap.” In Proverbs 31:10–31 the “wife of noble character” is involved in several equity-type investments. For example, in verse 16, “she considers the field and buys it; out of her earnings she plants a vineyard.” There are many other examples of investors in the Bible, such as the servants in the parable of the talents (Mathew 25) and Solomon and Job. In short, it is biblical to assume some investment risk. However, God demonstrates how to minimize your risk by diversifying your investments into seven or eight different categories, because you do not know what disaster may come upon any particular company or sector of the market (Ecclesiastes 11:2.) See my two financial moments on biblical diversification for further details. On “a macro basis,” the risk of any portfolio is generally reflected by its allocation between equities and safe investments such as Canada bonds/GICs, etc. The appropriate amount of investment risk that a Christian should assume will depend upon numerous factors, such as your age, when you will need the money, and your tolerance for risk. Assessing your tolerance for risk can be difficult. Generally, it is necessary to experience some good and bad markets before you will really understand your own personal risk tolerance. Certainly, if your present portfolio allocation is too volatile (i.e., the fluctuations cause you to be anxious) then reduce equities and increase short-term government of Canada bonds. In his book, Sound Mind Investing, Austin Pryor has an excellent questionnaire that can help you assess your tolerance for risk. (See soundmindinvesting.com.) Based on God’s investment principles, it is not appropriate for a Christian to be overly cautious (which may reflect a mindset of fear); nor is it appropriate for a Christian to be too aggressive (which often reflects an attitude of greed). Both extremes are outside of God’s will. Under normal market and economic conditions, generally, a conservative investor should have at least 20 percent in equities, while an investor with a high tolerance for risk, should not go beyond 80 percent. The average person may feel comfortable with an allocation of approximately 50% in equities. The types of equity investments within your portfolio (i.e., “blue-chip stocks” as opposed to “speculative stocks”) will also affect the level of risk you are assuming. In all cases, I strongly recommend that no debt be used for investments because God’s Word strongly discourages the use of debt (Proverbs 22:7). In summary, depending on God’s wisdom (James 1:5), assess your tolerance for risk and invest the money that God has entrusted to you [1 Corinthians 4: 2], according to his principles [Psalms 119:24] and his specific will [Psalms 25:12]. Previous Article Next Article More Topics Freedom from Financial Anxiety Read More Priorities Read More Counsel & Wisdom Read More

For someone who had had so much Kingdom impact and so much success you radiate the presence of God in your approachability... humility and it is a powerful gift. God richly bless you and your family Brother Copland. Back to Testimonials God richly bless you and your family Brother Copland For someone who had had so much Kingdom impact and so much success you radiate the presence of God in your approachability... humility and it is a powerful gift. God richly bless you and your family Brother Copland. K. J. P. Kitchener, 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