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McGill Personal Finance Essentials Director Benjamin Croitoru recently sat down with Gail Henderson, Associate Professor and Associate Dean at Queen’s University Faculty of Law, to discuss how Canadian elementary school teachers are addressing financial literacy in the classroom. People that need to be able to adapt their workflows in dynamic environments run into issues, because the iPad’s top down committee based development approach is just not flexible enough in an acceptable timeframe. Expect to need above-average or excellent credit, a stable income, a low debt-to-income ratio and a down payment of 20 percent of the loan amount. It depends on your income, spending, saving, investing, and personal protection (insurance and estate planning). Read our tips for saving, budgeting and finding the best travel deals. Find tips on how to use a credit card for everyday purchases without letting your debt get out on control. Find out how to budget for your next big vacation while managing existing debt. A solid management plan can help you get out of debt.