Saturday, October 10, 2015

10/10/2015: Accident / My Call Center Experience I

10/10/2015: Accident / My Call Center Experience I

2:16am – 2:57am

It’s late now and I just off work.  Part of me wants to write this but another part of me just wants to play games and sleep.  God has grace for all.

Today, when I was driving back home on I-10, when I almost reached home, I saw police lights flashing and red lights everywhere.  Normally, there will be police lights in that area because the other side of the highway is under innovation.  But as I drove closer, I see that something is wrong.  There are lights, more lights, on my side of the highway as well.  As I got closer, the lanes on the highway started to be disappear, blocked by lights on the ground, until only the exit is available.  Then I smelled a smell of metal and possibly flesh.  As I reached the exit ramp, I saw the accident.  Two cars, totaled.  The car on the back was heavily damaged, with the front heavily bend and the windshield white.  As I was looking, I was thinking whether anyone driving or in the seats would survive.  The car in the back, I thought had a chance, but whoever should survive that would be critically hurt.  The car in the front, it was catastrophic.  The whole front is caved in.  The windshield is even more damaged then the one in the front.  Both cars are on the side of the highway.  In my analysis, looking at the damage, my guess is that the driver in the rear collided into the driver in the front.  The driver in the front lost control and crashed to the side at an even faster speed.  The driver in the front, I reasoned, probably had no chance of surviving.  When I saw it, I covered my face with my hands. 

Why is this incident so important?  I think it is because of my situation and how it touched me.  I found a job at a call center helping people resolve video and internet issues.  I went from spending most of my time alone to talking to people more than eight hours a day.  What a shift.  But, as I talk to people, as I talk to total strangers, I begin, at least unconsciously, to care for them.  For me, I get nervous every time I pick up a call.  The beginning is the worse.  I don’t know who that other person is, whether they will be nice or mean, or super-mean.  But, I can clearly say for everyone I talk to, I want the best for them. 

Today, I have been touched by the modem hymn “Grace For All” by Holly Starr.  This song, or should I say, many of her songs, somehow stuck to me.  Her songs, like Kari Jobe, helped me to live and to be closer to God. 

Before this call center experience, I would care less for people.  If see an accident, I would say a quick prayer and move on.  I could care less about what happens to strangers.  Well, in a way, I do care, with social work, but now, it is at a different level.  Talking to strangers, helping them, has helped me to become even more sensitive. 

Peace is to prepare for war.  The three things that matter in this world is power, love, and wisdom.  Sorry, I just want to say those things.  When I talk to people on the phone, I always remember and try to have power and love.  Where does power and love come from?  It comes from God.  Yes, they tell me to be confident.  But that falls on hollow ears.  I can’t just be confident.  Not by my own strength.  I become confident when I am filled with God’s power. 

I have only been working at the call center for about two months now and I have been learning so much about not just the technical aspect but on the experience.  For me, when I talk to the customers, I always try to ask how they are doing, hobbies; I share about myself, my military experience, and how God helped me, while keeping on track with technical issues.  I don’t like to just keep customers on a silent hold and have no talk except what is necessary. 

I do believe everyone should at least have some call center experience.  Then they will know what talking on the phone with total strangers who is mostly frustrated is like. 

Who knows, the person I talk to, or try to help, or promised to call back on, can be in that accident.  And I see me going into that call center job as an accident.  I never planned this.  I just saw this job posting on craigslist and I decided to give it a try. 

The company I am working with has decided to give all the agents a raise.  I am happy.  It feels like a blessing from God. 

I can share many experiences I had with customers, both good and bad.  When talking to people, I miss the face-to-face experience.  It’s more difficult to establish good rapport when strangers can’t even see you.  And I also stutter, with an Asian ascent, but, I am still doing OK.  With God, I’ll do OK. 

And the quote, “Focus on what you can do and you will be able to do what you can’t” also helped.  What I can do is pray.  What I can do is to worship and to spend time with God.  What I can do….  And what I can’t do are my goals, heh, with God.

Working at the call center has been very stressful, and the night shift is, by now, not what I wanted.  I initially chose to work nights because I am a night person.  But, I am missing out so much on my supernatural church.  I don’t know what I was thinking when my trainer called me into their office to pick a schedule.  I had a morning choice with Wednesdays off, I think.  But, God will give me grace.  I did try to request a change in my schedule and my supervisor is supportive of me.  And, many times after a call, I have to give myself a break.  I just can’t go from people to people, stranger to stranger.  It’s draining and I have to quickly recharge myself for the next hit. 

It’s late now, I got off at 1:10am today and played ping-pong with my co-workers.  You know, I haven’t played ping-pong for probably like 10 years but I played well.  I told them it’s because I used to play tennis back in high school.  :p 


I want to share this song or hymn that helped me recently.



Sunday, October 4, 2015

To Rent or Buy: A Comprehensive Report and Analysis

2015.9.26: To Rent or Buy: A Comprehensive Report and Analysis

S: 12:30pm – 1:44pm +30 minutes for map

Location:




Location, location, location.  If I choose the wrong location, then all the other factors are mostly meaningless.  I want a location that is convenient for three of my major activities: worshipping, working, and shopping.  Since I have a bias on God, I placed more value on the location of my church, followed by my workplace, and finally, where I shop.  The squares are the ideal zones I am considering.  

To Buy:

+ Supernatural Church
            The church I go to is a very special church; It is an end-time, supernatural church.  I thought about moving out of El Paso but my mentor told me that since we are living in the end-times, we need to attend a supernatural church, which I agree.

+ Can form a HOP
            In addition to my church, by buying, I may even be able to form my own House of Peace or HOP. 

+ Can earn additional income by renting to others / help others by giving them shelter
            Please also read “Paying interest if I buy” note.  If I do this right, I can have renters in my house which can help me pay for my mortgage.  Additionally, I might be able to invite them to my church.  Also, and I had this idea since high school, one way I was thinking about helping the homeless is not just by giving them money or giving them a fish, but by housing them, taking care of them, and developing them so they can become self-sufficient.  The idealist side of me.  It’s far-fetched, but still possible.

+ Home ownership
            Owning a home makes me feel good.  I can have more freedom to do what I want with it, I do have big plans for my future house.  For one, I can plant fruit trees, just like what my dad did at his house in Los Angeles.  Also, I realize that any money I put in, whether though mortgage or improvements, goes to my house.  Of course, mortgage is more important and I will focus on that first.  I am also even thinking about dedicating a room just for God, like a temple in the old times.

+ VA Home loan advantage
            Can buy at zero-down, preferred rates

To Rent:

+ Desert land

+ Neutral outlook on job employment and salary
            Just found a job at Xerox, so far, it’s OK, enjoy helping people, but not fairly certain whether I will stay at this job.

+ Paying interest if I buy: current market rates for a 30-year loan fixed is about 4.25% (mostly lower but I want to give myself some slack for worse-case scenarios).  This means if I buy a $125,000 house, I pay a total of $221,373.  Finding the difference gives me $96,373 or $267.70 per month of total interest.  However, I do want to note that the average annual U.S. inflation is around 3% a year, so if I pay the $615 monthly payment that is required, I only pay around 1.25% in real interest (or $70 a month).  Obviously, I will get the 30-year fixed.  To note on the $70 a month in real interest, if I just rent out to one person, I am making up more than the difference.

+ Start-up fees.  This includes the commission costs, closing costs, and beginning innovation and maintenance costs.  It’s not as bad because the VA home loan forbids many of the costs but it’s still worth mentioning here.  This, however, happens to every homebuyer.  As for home maintenance, I see myself as a jack-of-all trades guy and if I can find how to do it on google, I most likely should be able to do it.

+ Low cash reserves: I do have some cash reserves, classified, but I feel with my current cash on hand, the safety cushion is a bit low.  It’s like driving behind a car but tailgating with only a 1 or 1.5 second gap.  Increase that to 2 or more seconds and I will feel better (increase current cash reserves by 25%). 

+ My home church may move: The pastors are talking about this a lot and I’m excited!  However, in terms of settling down for a permanent residence, this is not good news as it adds unpredictability. 

+ Student loans and obligations: Have to mention this but it’s not so bad because for student loans, I qualify for income-based repayment which, based from their calculations, I will pay a low amount.  The only other obligation is my universal life insurance indexed.  This is not so bad as the money I put in it will grow, I just need to give it time.  In 10 years, for example, from the average 7.2% return rate, I will break nearly even with my total payments and I can take interest-free loans (although I dare not).  The more time on this one, it may actually be an advantage to buy.

+ Property Tax: If I buy, I almost forgot to include, but I will also need to pay a property tax.  El Paso County in Texas currently has a property tax rate of 2.09%.  This means a $125,000 house will cost $2,612 annually or about $217 per month.  The annual fee reduces the influence of inflation.  This cost is prohibitive if I choose to live alone.  


Overall Prognosis: Rent (80% rent, 20% buy)

 The fact that I feel my cash reserves is low and my home church may change locations is the leading factor for this one.  The fact that I just landed a job with no tenure is also another factor.  Additionally, the property tax in Texas also discourages me from buying until I have enough cash reserves.  Once my church moves, once I increase my cash reserves, and once I feel more comfortable at my workplace, I will be ready to start buying.  By then, it should be 75% buy and 25% rent, with the 25% rent consisting of opportunities of better jobs (but I’m planning to move up), and the fact that El Paso is on unsustainable land.  But God can make springs from desert.


This report, of course, is the product of my analysis and reasoning and is thus, incomplete.  I did receive limited input from my friends and family and the report is influenced by a limited extent.

PS: This report is also incomplete.  It was an outline and I filled must of the body but I don't have time to completely finish it.  Also, much have happened since this report but I still trust in God.