In changing times, life is now becoming full of challenges, hardships and take turns at different stages. So nowadays, we require more skills and courage to handle the difficult situation we often encounter in our lives. Some people find themselves helpless in facing problems, whether it’s is related to work or some financial issue and some strive to overcome these issues. In my opinion, we should strive hard always to get rid of that situation and bring positive change not only in our life but also in the lives of our family members.