One-on-One Economic Education for Your Situation
A personalized session where you bring your questions and we bring the economic context. No financial products. No investment advice. Just clear explanation of how economic forces interact with your specific circumstances.
Education Focused on Your Actual Questions
Group webinars cover topics that affect a broad audience. Individual consulting is different. It starts with your specific situation: your income structure, your current expenses, the economic variables that affect your sector or employer, and the questions you have been unable to answer through general content.
We do not tell you what to do. We explain the economic environment you are operating in and help you understand which variables matter most for your particular case. What you decide to do with that understanding is entirely up to you.
Sessions are conducted online via video call and typically run 60 to 90 minutes. A written summary of the key points discussed is sent to you within 48 hours.
Topics Participants Typically Bring to Consultations
Each session is shaped by your questions. These are the areas that come up most frequently.
Household Budget and Inflation
Understanding which categories of your spending are most exposed to current inflation trends. How the CPI basket components relate to your actual consumption pattern. What adjustments other households in similar situations have considered.
Salary and Purchasing Power
How wage adjustments in Colombia relate to inflation measurements. Understanding the difference between nominal and real salary changes. How sector-specific economic conditions affect employment and income stability in your field.
Credit and Interest Rate Context
Explaining how the current interest rate environment in Colombia affects consumer credit costs. What the rate cycle means for existing and potential credit commitments. How to read and interpret credit cost disclosures independently.
Savings and Economic Context
Understanding how inflation affects the real value of savings held in different instruments. What the economic environment means for the purchasing power of money set aside over time. How to evaluate savings options using publicly available information.
Housing and the Rate Environment
How interest rate cycles interact with housing credit costs in Colombia. What VIS and non-VIS credit programs involve from an economic perspective. How to understand the economic factors affecting your decision to rent or pursue a home purchase.
Sector-Specific Economic Conditions
How economic policy affects specific sectors differently. Understanding what is happening in the economic environment of your employer's industry. What public economic data reveals about near-term conditions in your professional area.
How a Consultation Session Unfolds
Pre-session questionnaire
Before the session, you receive a brief questionnaire to describe your situation and the questions you want to address. This allows us to prepare relevant context and examples.
Context setting
We open with a brief overview of the current economic environment as it relates to your situation, ensuring we share a common frame of reference before addressing your specific questions.
Your questions addressed
The core of the session. We work through your questions with explanations, data references, and practical examples drawn from Colombia's current economic reality.
Written summary delivered
Within 48 hours of the session, you receive a written summary of the key points, data references used, and any follow-up resources relevant to your questions.
What Individual Consulting Does Not Include
Clarity about what we do not do is as important as explaining what we do. Individual consulting sessions at Panorama Diario COI are strictly educational.
No investment recommendations
We do not tell you where to put your money, which funds to select, or which financial instruments to use
No financial product promotion
We have no commercial relationship with any bank, insurance company, or investment platform
No regulated financial advice
Our sessions do not constitute financial advice as defined under Colombian financial regulations. We are educators, not licensed financial advisors
No guarantees of outcomes
Economic understanding supports better decision-making, but we make no claims about financial results from applying what you learn in sessions
