Social security numbers may be the permanent series of digits that identify who a person is. But a credit score is a constantly fluctuating number that determines an individual’s financial reliability. With a low credit score, vital upgrades to a person’s quality of life can be prevented from taking place, such as financing a new car, receiving a mortgage loan to purchase or even renting...

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I just met up with a backpacker this morning and struck a conversation with him on his travels around this part of the world. He’s from Poland and had been travelling for the last 2 months in various parts of Indo-China and arrived in Malaysia two days ago. When I asked him whether it was difficult for him to adjust from using various currencies from one country to another and the hassles of...