Personal finance management is all about planning and managing your money, creating wealth, sustaining savings, investing, lessening costs, and finding more means to increase income. It sounds obvious but many of us don't do it. And when a huge trial hits us requiring money, we are never prepared to deal with it.

I am what I am today, thanks to my seven years in-depth and hands-on experience in the three direct selling companies I worked for, the longest and best of which belongs to Avon. From a geek who often replied in single words, I can now express and describe a single term in multiple paragraphs and has no qualms speaking to large groups of people; besides the awesome people and sales management skills I learned. For someone who intends to be general manager one day, you’ve got to make “sales” part of your career itinerary because it simply goes a long way in molding you to the right future head of a company, large or otherwise. Direct selling is here to stay; you can’t discount the fact that it offers the lowly poor an invitation to succeed if he or she puts their heart and mind into it.

Are call center training schools really producing candidates for the various small or large call center companies around the country with inadequate skills for promotion? Is the Philippines creating a population akin to factory workers of decades ago hype? Is the call center industry in the verge of imploding because of the increasing cost of training only entry level people, driving the cost of outsourcing in the Philippines higher?