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.

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?

If you were an entrepreneur bitten by the bug of setting up a call center, would you do it?