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David Lester

Money Strategist 

"I help people with their money and help banks with their people."  David Lester is a financial expert and strategist with decades of experience in finance and communications. He is the author of two finance books, I (Heart) Money and From Middle Class to Millionaire and has appeared on CBC, The Marilyn Denis Show, CTV News, FOX and written for CNBC, VICE Money and more.   Lester began his financial career as a banker at Merrill Lynch and later BMO Financial Group. He launched his first personal finance book, I (Heart) Money, in 2010 as a guide to living the ultimate dream lifestyle and empowering readers to turn money from something they avoid into something they love. He launched his second book, From Middle Class to Millionaire, in 2014 to address the obstacles faced by the middle class and offer tangible tips to regaining prosperity.
5 Money Tips For Social

5 Money Tips For Social People

The expectation is that social people will be the ones with zero savings, loads of debt on BMWs and flashy condos that are rented. None of that has to be true! Buying trendy lofts in the "up and coming" areas of the city, budgeting for partying, automating RRSP contributions, and using your ah-mazing charm and whit can get you ahead in a lucrative career. Popular people can be financially savvy too!
08/31/2016 09:05 EDT
5 Ways To Put The Passion Back In Your

5 Ways To Put The Passion Back In Your Business

After working on your own business for a few years it's really easy to forget why you got into it in the first place. Years of working all hours, having to pass on dinners out with friends or family time, and always being "on" it's easy to lose some of your momentum. It's time to get back the passion you once had for your work.
06/27/2016 01:27 EDT
Make Additional Income From Your

Make Additional Income From Your Interests

Which one of your interests can you turn into income? Make a plan. Develop a website. Promote it on all of the social media outlets like LinkedIn, Facebook, Twitter and YouTube. You can even build audiences with the help of Facebook ads. Build up your community of followers and then sell them services that their followers will love!
06/08/2016 04:02 EDT
The Fintech Revolution Is Just Getting

The Fintech Revolution Is Just Getting Started

You can now open savings and chequing accounts, manage your retirement and investment accounts and get loans online, never mind being able to leave your wallet at home and use your phone to buy everything. Here are the top companies that can take you from money 2D banking to 3D.
05/18/2016 05:22 EDT
Prince Didn't Have A Will, Make Sure You

Prince Didn't Have A Will, Make Sure You Do

Make sure you have an up-to-date will in a place where your executor, spouse or kids can find it. If you die without a will you do not have a say in who your beneficiaries are or who administers your estate.
05/04/2016 01:27 EDT
How To Avoid

How To Avoid "FOMO" When Buying A New Home

Many people are rushing into the housing market due to FOMO (Fear of missing out) and there could be some BIG consequences when interest rates go up. There is a good news bad news scenario to buying right now and everyone in the housing market needs to know what to expect. Before you rush in, here is the good and the bad to buying right now.
04/19/2016 11:48 EDT
How Starving Artists Can Create A Stable

How Starving Artists Can Create A Stable Income

All the tips on budgeting are based on people who get paid on a regular schedule, but if you're an actor, musician, etc., you'll get a chunk of change all at one time and then often have a dry spell. It's so easy to blow through the money that you get paid and then have nothing left for the few months that you're waiting for that next gig.
03/31/2016 04:17 EDT
10 Smart Things To Do With Your Income Tax

10 Smart Things To Do With Your Income Tax Return

Income tax return time is coming up and so many of us are already thinking about all of the great things we can buy with the return. It's been a crazy year personally, politically and professionally and we all can look forward to a treat. But how will you get the most bang for your buck?
03/15/2016 01:18 EDT
Ditch Your Reward Cards And Get A Real Reward -

Ditch Your Reward Cards And Get A Real Reward - Freedom

Have you ever thought how much more money you spend travelling across town to use that store or get extra rewards? How many points apps or websited do you have on your phone and how do they change our natural behaviour? When we count up the effort, is it worth the reward?
02/24/2016 02:14 EST
Why You Should Talk To Your Love About

Why You Should Talk To Your Love About Money

Remember money problems have nothing to do with dollars and cents and everything to do with emotions and fears. Money habits are like holding up a mirror to someone's bad internal behaviours.
02/14/2016 03:31 EST
Debt Can Be Good If You Learn To Leverage

Debt Can Be Good If You Learn To Leverage It

The Donald and other real estate barons made all of their money using debt to leverage their assets. Once you have one property or asset payed for, you can re-mortgage it and get another one. Now you have two assets hopefully growing and making you more money. Demonizing ALL debt in our society won't change that.
02/01/2016 03:59 EST
6 Ways To Keep Your Emotions Out Of The Stock Market

6 Ways To Keep Your Emotions Out Of The Stock Market Drop

Look one or two years into the future, and focus on that. History has proven that the market can, and will, recover. In Feb 2009 the TSX was at its lowest, and by February 2011 it had doubled back. So prepare to be in this for the long haul, and you'll be richer for it.
01/22/2016 10:14 EST