Scenario: Harry (name changed) ran a successful business before the downturn in the economy caught up with him. He was faced with a situation of a bunch of dues ranging from overblown credit card dues to home mortgage to car payments, etc.

Next, Harry started looking for a job. A graduate with multiple skills; all he needed was to combine his transferable skills and finding a job was a non issue – so he thought.

Then came the road block - his credit score stopped him from…

Scenario: My friend, Chen (name changed) is a graduate  from a university, well known for high caliber engineering graduates. He has had over a decade of experience in selling and overseeing engineering projects. He has had an extremely successful track record with his medium sized employer and is compensated at par with current industry standards.

Chen feels that he can keep doing this through his career but is convinced that it is driving him insane and he cannot carry on for…