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Safety

Pros and Cons of Employer-Paid CDL Training

Believe it or not, it’s both legal and entirely feasible for anyone in the U.S. to receive a Class A Commercial Driver’s License without any help from a private trucking school. This information can be hard to come by, however, as there are dozens of private trucking schools in most states who make a profit by convincing greenhorns the best way into trucking is through their particular programs.

What You Need to Get a CDL

That being said, there’s a lot of information and many steps required for anyone looking to acquire a CDL. As a result, going the lone-wolf route might not be in the best interest of someone looking for step-by-step assistance. If you’re attempting to get the license alone, you’ll have to do a great deal of research in order to learn what’s needed to pass the written test and then pass the truck inspection that’s required for acquiring a CDL in most states, which can be a challenge for some. The process of obtaining a CDL shares similarity with the process of attaining a regular driver’s license, with different requirements to qualify. Federal regulations require you to be at least 18 years of age before attaining a CDL. But, in order to drive a commercial vehicle across state lines (interstate travel), or haul hazardous materials (HazMat), federal regulations require you to be 21 years of age. To apply for a CDL, you must have a Social Security number assigned to you to verify your citizenship, a conventional driver’s license from your local Department of Motor Vehicles, one year of driving experience, and a good driving record.

Depending on the state where you’ll apply for your CDL, it’s possible your DMV has already published a guide to getting your CDL, like this one created by the state of Texas. Make sure to check your DMV web page concerning CDLs to see if it’s published a similar resource for your state.

To make a long story short, the cheapest way to get your CDL will always be to do it yourself, without putting money down on a private program. On the other hand, there are still potential benefits to the other two options available to new drivers, which are to: 1) Attend a private CDL training program, or 2) Participate in Employer-Paid CDL Training.

The Potential Benefits of Private CDL Training Programs

Many CDL training programs have connections in place that can make it easier for recent graduates of the program to get jobs with carriers. There’s also a very high demand for truck drivers in most states, so most individuals who receive a CDL shouldn’t have too much trouble finding employment in general. With that in mind, tuition for driving school can range from $3,000 to $6,000, making it a significantly larger investment than applying for a CDL on your own, and the most expensive way to get into trucking on average. While many students find it relatively easy to get student loans for their CDL program, interest rates in America have been on the rise in recent years, making private programs a pretty large price to pay for the convenience.

Employer-Paid CDL Training

These programs are more difficult to generalize about, as they’re slightly less well-regulated when compared to true-to-form private driving schools and can differ widely when it comes to day-to-day life in training. While you won’t have to put any money down up front in order to get your CDL, in most cases, receiving training from an employer comes with a requirement that you work for that same company for a minimum amount of time, and being terminated from that position or accepting another can come with financial penalties. If you begin, and then fail to complete Employer-Paid CDL training, it’s likely you’ll have to pay whatever amount that company values the cost of training.

The long and short of this is Employer-Paid CDL training can be an inexpensive and efficient way to get into trucking, but it also carries a great deal of risk. Prime Inc. is a huge trucking company in America that trains thousands of drivers every year; recently, it had to pay $28 million to drivers who participated in their paid apprenticeship program as a result of unfair underpayment to new graduates of their program.

Lawsuits like this aren’t overwhelmingly common, but participating in Employer-Paid CDL training programs inherently gives a lot of power to the employer and can make it difficult for new drivers to have a good understanding of what employment could look like with other companies, essentially reducing their access to the financial cushion afforded by the free market. In general, if you’re seriously considering Employer-Paid CDL training, it’s highly advised that you get a hold of someone who’s participated in that same program before you enroll.

How You Can Get Started

If you need private financing for a truck after you’ve finished your CDL program, consider contacting us at Mission Financial, where we can offer you a direct loan at a competitive rate. Make sure to visit our blog to keep up with recent trucking news as well.

Truck Driver Sun Damage – The Gritty Reality of Decades on the Road

While being a truck driver is one of the highest-paying jobs that doesn’t require a college degree, living the trucker life doesn’t come without challenges. Considering the long hours, and weeks that truckers often spend away from their families, it’s a career path that might not suit everyone equally.

One of the things that many people don’t consider before getting involved in trucking is the effect it might have on your body— your skin to be specific. Reports have surfaced throughout the years that show how dramatic the impact of sun damage can be on a truck driver’s skin..

It’s likely you’ve seen the image that began circulating a couple years ago that showed a truck driver whose face looked very different on his left side compared to his right. The side that faced his window looked almost 10 years older, with heavy wrinkles that had resulted from years and years of damage from the sun.

If you’re a truck driver, there is a significant chance that you’ll have to manage your sun exposure over the course of your career— but just how big of an impact does this exposure have on your overall health?

A Potentially Deadly Illness

In addition to the superficial drawbacks, the trucker tan can cause serious health issues. Ultraviolet (UV) radiation exposure is the leading cause of skin cancer, and it’s easy to get huge doses of UV radiation as a trucker. Research has found skin cancer to be the single most common form of cancer in the United States, with one in five Americans being diagnosed with the condition in their lifetime.

Despite popular belief that the numbers must be higher in southern states, the truth is quite the opposite. Environmental Protection Agency (EPA) data shows that northern states (like Washington, Oregon, and Vermont) have a higher rate of melanoma diagnosis than southern states on the whole. In fact, Texas is one of the states with the lowest number of skin cancer diagnoses per year.

New England Journal of Medicine’s Trucker Photo

To make a point and hopefully give you the incentive to take proper measures to protect yourself from the UV rays, here is the photo mentioned above. It was taken for a New England Journal of Medicine study on dermatoheliosis (aging that results from UV ray exposure). It shows a 69 years old trucker suffering from unilateral dermatoheliosis, the result of his 28 years spent behind the wheel.

Image by New England Journal of Medicine

For U.S. Drivers, the Left Side of the Body Is at Risk

UV exposure in the left arm is five times greater than the right for truck drivers. Exposure on the left side of the face is a staggering 20 times greater than the right. This results in wrinkles, sagging, and brown spots on the left side of the face.

Research also suggests that all types of skin cancer are more prevalent on the left side of the body. About 75% of melanomas are diagnosed on the left side, according to skincancer.net.

Hot or Cold Weather Doesn’t Matter

UV skin damage doesn’t progress only on hot summer days. To understand why that is, it’s important to understand how UV rays function.

There are two types of UV rays: UVA and UVB. The latter causes the skin to tan, but the former, UVA, has much more penetrating power and is the one that causes premature skin aging.

Windows and cloud cover aren’t effective in blocking out UV rays, and when there’s snow on the ground, the UVA rays are reflected by the snow (something skiers should be very familiar with). The information above indicates that drivers need to take measures to protect themselves from permanent skin damage, premature aging, and in the worst case, cancer.

How Do I Avoid UV Radiation Damage as a Truck Driver?

Use Sunscreen

Sunscreen is the go-to way to prevent sun damage to the skin. Sadly, it’s often underutilized by truckers. It’s strongly advised to put a layer of sunscreen on before every trip, whether it is up North or down South. Even though you may not be seeing any significant damage, you risk premature aging and skin cancer in the long run.

Wear Long Sleeve Shirts, Hat, and Sunglasses

When it comes to sun damage, it is all about layers of protection. Wearing clothing that covers more of your body will naturally provide more layers of protection. A long-sleeved shirt is an obvious choice here, but if you do not stand wearing one during the summer, get a sun-protective sleeve for your driving arm.

The same goes for sunglasses – get ones comfortable to wear while offering protection for your eyes.

Keep the Window Up

Many truckers tend to drive with their windows rolled down because it feels refreshing – but it is more dangerous than you thought. It is even more dangerous if you prefer to drive with the arm on the window ledge, as it will be directly exposed to sunlight.

Avoid Driving in Peak Sunlight Hours

If your route allows for driving outside peak hours, we suggest going for it. Peak hours vary from state to state; however, it has generally been taken to be from 10 a.m. to around 2 p.m.

Get Your Windows Tinted

Some types of window films have been proven to offer the same protection as sunscreen. Additionally, tinted windows will keep the temperature lower inside the cab, reduce the glare effect, and provide some additional privacy during sunny days.

However, a disclaimer is in order here: Tinted windows are illegal in some states, so be sure to check the state’s laws before getting your truck windows done. Untinted UV window shields are an alternative option that can be used everywhere, however.

Get Frequent Check-Ups with a Dermatologist

If you’ve been on the road for some time, it’s likely you’ve been affected by UV rays to some degree. The obvious signs are permanent tan lines on your body, tick patches of skin, rapid face aging, freckles, and appearance of moles. Scheduling frequent check-ups at a dermatologist will give you peace of mind and guidance to protect your health and youth.

Final Words

Although trucking has its pros and cons, driver health will always be an issue. Plenty of drivers don’t pay attention to their well-being until it is too late, but that doesn’t have to be your fate. Sun damage is only one of the health issues truckers face every day on the road, and it only takes a little extra effort to increase your quality of life on the job.

Guest post written for Mission Financial by Mile D. from TruckerJobUSA.com

 

How Truckers Can Avoid Cargo Theft

 

According to SensiGuard’s quarterly cargo theft analysis, cargo theft is on the rise in value and in volume. In Q1 of 2019, 144 cargo thefts were reported across the U.S. These thefts averaged a value of $116,717 per theft, with one theft valuing at over $1 million. SensiGuard states that these recorded thefts represent a one percent increase in value and a 25 percent increase in cargo theft volume from Q1 of 2018. The report also states that the most targeted freight for theft is categorized as “miscellaneous freight.” Mainly consisting of mixed load shipments on their way to big box stores across the country, this miscellaneous freight and electronics have the two most reported thefts.

The rise in cargo theft means that it is more important than ever to keep packages safe and secure while on the road, at truck stops, and in parking lots. Here are a few ways to keep cargo thieves at bay.

Keep Drop Off Locations Private

It may seem harmless to mention your drop off locations to family or friends. You may even do so as an added safety precaution or to give your loved ones peace of mind. However, if this information falls into the wrong hands, it can lead to compromised cargo. Cargo thieves may be targeting you through CB correspondence, social media, or even casual conversations at a truck stop. To ensure thieves are unable to trace you, be sure to keep your drop off location as private as possible.

Use Tracking Technology

While it isn’t a good idea to mention your drop off locations on social media or messenger apps, using technology is a great way to keep track of your truck in the event of a theft. There are a variety of tools available to track your truck and pinpoint its location using GPS. Geofencing apps that send a security alarm if a truck is traveling outside its given route is another great option for truckers. It is even possible to utilize immobilization technology to disable your truck until it is found.

Don’t Forget Low-Tech Devices

Padlocks, king pin locks, huck bolts, glad hand locks and seals, and air brake valves are all great low-tech ways to keep your truck and cargo safe while in route. These devices can help prevent thieves from breaking into your truck and can even work as a deterrent to stop them from trying in the first place.

Know When and Where to be Alert

As a trucker, it is important to always be aware of your surroundings. This means to stay alert and notice when you are being followed. It is also important to know when and where most crimes take place. According to Overdrive, most truck theft crimes happen on the weekend. In fact, Friday is the most common day to experience truck or cargo theft. Additionally, Georgia, California, Florida, and New Jersey experience the most cargo thefts each year, with California having the highest theft rates in the country.

Practice Safety in Parking Lots

Even when parked, it is important to stay aware of your surroundings. When in a parking lot, be sure to always keep the truck locked and in a well-lit, secure area. Even when you are out of your truck, be aware of who is around and who seems to be paying attention to your truck. Additionally, make sure you are not being followed when you exit a facility to walk back to your truck.

Perform Thorough Background Checks

Because inside cargo theft is a growing concern in the trucking industry, it is important for freight owners and employers to perform thorough screenings and background checks on all potential employees. This should especially include a full criminal record check. This can help employers lower their chances of inside cargo theft and make sure to hire honest employees.

Follow the 200-Mile Rule

Since thieves are known to follow a load as it is leaving the yard, it is important to follow the 200-mile rule. This rule encourages drivers to wait at least 200 miles before stopping for fuel, food, or breaks after picking up cargo. Many thieves expect trucks to make an early stop and will follow nearby, so waiting at least 200 miles will lower the risk of theft at your first stop.

The Trucker’s Safety Comes First

Even with cargo theft on the rise across the country, it is an avoidable crime. By following training procedures and being cautious on the road, you can deliver your cargo to its destination safely each time. However, it is important to remember that the driver’s safety is the top priority on every route. When it comes to protecting cargo, no trucker should be expected or feel obligated to protect the shipment over themselves.

How to Stay Safe in Harsh Winter Conditions

 

No matter how much experience a driver has, harsh winter conditions can present a range of challenges on the road. From slick road surfaces to limited visibility, commercial truck drivers have to be ready for anything. Winters in the Northeast and Midwest are especially brutal, and almost always result in blizzards and multiple feet of snow on the ground. Even though February is half-way over, the cold temperatures and icy roads will still be here for a while. Thankfully, there are many things drivers can do to stay safe even in the worst winter months. Here are some things every trucker can do to keep themselves and other drivers safe this winter.

Pack for the Winter  

Any trip in winter weather starts with preparation. Before ever starting your truck’s engine, make sure you have everything to stay warm and safe no matter what happens. Make sure you have the tools and supplies to keep your truck in shape including a flashlight, extra windshield washer fluid, chains, a bag of salt or sand, bungee cords, and a windshield scraper. For yourself, pack a reflective vest, blankets, a hat, a few pairs of waterproof gloves, a scarf, and thermal socks. You will also want boots with good traction and enough food and bottled water to last a full day.

Do a Circle Check

Before you hit the road, be sure to do a circle check and make sure everything is functioning properly. Ensure the wipers, lights, brakes, tail lights, washer fluid, and wiper motors are all in working order and ready for the trip. It is also important to make sure your mirrors and lights are clean and free from snow or ice while traveling. Keeping them clear will help you see what is around you and also allow you to be seen by other cars.

Keep Your Gas Tank Half Full

During severe winter conditions, getting stuck on the road is a real possibility. If you run out of gas and have to wait inside the cabin, you are putting yourself in a potentially dangerous situation. Be sure to keep your tank half-full at all times to avoid getting stranded in the snow.

Keep Your Distance from Other Vehicles

Highway traffic can often seem to travel in groups down the road. During harsh weather conditions, make sure you keep plenty of distance between you and the other vehicles. This can help everyone avoid an accident if a vehicle suddenly swerves or hits black ice. While it may be impossible to avoid other cars altogether, be especially careful to leave space between you and the truck in front of you. This will give you adequate time to break in necessary.

Use Good Judgement

Especially during the holidays, truck drivers are under huge pressure to get their shipments to their destinations. Even in the worst weather, truckers can be tempted to take the risk to make their deliveries on time. However, it is important to remember that no load is worth your life. Use good judgement and make the right call. If the snow is too dense or the highway is covered in black ice, do not take the risk. Park your truck and wait for the weather to blow over, even if it means your shipment will be late.

Practice Good Communication

Staying aware of weather forecasts and communicating with other drivers about upcoming storms or weather advisories is essential to staying safe on the road. PetroChoice’s Vice President of Human Resources Marilena Acevedo said, “Communication is key, and we keep an open line of communication with all of our drivers. When we are expecting a big storm, our leadership gets involved, and we may start a conversation a few days before to make sure we have a plan in place,” she said. “We do not want to be caught in the middle of an event without a plan. Planning is important to make it through a bad storm without too much trouble.”

Winter weather can be intimidating and certainly should not be taken lightly. However, with the right tools and preparation, you can stay safe and warm all winter long.

10 Safety Tips For Overnight Travel

 

Overnight drives can be a blessing or a curse. On the plus side, you have the whole road to yourself. You don’t have to worry about traffic holding you up as you pass through cities, and you can go at whatever pace you please. However, overnight drives also mean staying up all night, which could potentially be a shock to your system. It’s easy to become sleepy with nothing but a dark road ahead, but it is important to your safety, and to those around you, that you stay awake and alert while driving. Additionally, if you are not used to night drives, you could be at a higher risk of drifting off. According to Instructional Technologies, if you do not typically drive at night, you are more likely to experience fatigue than frequent night drivers.

Whether you are a seasoned night driver or are about to venture on your first overnight assignment, here are 10 tips to help you stay sharp during those late night trips. 

1. Avoid High Contrast Light

According to Trucking Truth, bright lights in the cab can create a harsh contrast to the dark road outside. This can cause your eyes to struggle to adjust and become tired quickly. It may seem like the opposite of what you should do to stay awake, but be sure to turn down the light in your truck. Even turning down the lights in your dashboard can help your eyes stay wide awake during a late night drive. It is also important not to stare into the lights of oncoming vehicles as they pass. Be sure to always keep your eyes in your own lane.

2. Maintain a Level Head

Before you get behind the wheel for a long journey ahead, be sure your emotions are in check. If you’ve had a stressful day or are upset about something, be sure to put it all behind you before putting the truck in drive. It may be easier said than done, but if you spend the entire night fuming about past events, you are likely to wear yourself out. Emotions can drain your energy and leave you feeling exhausted; this is even true of positive emotions. If you had a great day or have something to celebrate, be sure to keep your excitement in check as well. Try to keep your radio singing to a minimum and focus your attention on the road.

3. Watch What You Eat

Eating on the road can be tricky. It’s tempting to grab a quick burger or a bag of chips at the gas station. However, if you choose to eat something heavy in carbs or sugar, it will make you feel sluggish and sleepy later on. Obviously your options on the road are limited, so plan ahead with a cooler full of your own healthy foods. If fast food is your only choice, avoid the greasy burgers and fried chicken. Mix it up with a salad, fruit cup or grilled meat. Most fast food chains have added healthier options like these to their menus, which will help you feel more energized and ready to stay up late.

4. Grab a Coffee

This one may seem obvious, but don’t forget the coffee! Coffee will help boost your energy and keep you fresh throughout the night.

5. But Don’t Overdo the Caffeine…

That being said, be sure to keep your coffee consumption in check. Too many coffees or energy drinks can make you jittery and will eventually make your energy crash. This is also true of drinks full of sugar and artificial flavorings. Large amounts of soda and sugar-loaded juices can make your blood sugar spike and crash, which could lead to you falling asleep behind the wheel.

6. Drink Lots of Water

Coffee is important to sip on while driving overnight, but nothing is more important than water. Staying hydrated is the easiest way to remain awake and feel alert. You may think it is a better idea to skip the water to avoid constant bathroom breaks, but drinking coffee without water can actually create more of an urge to urinate, and can lead to headaches and other health issues.

7. Check Your Truck’s Temperature

The temperature in your truck can also affect your energy levels. If you keep it nice and toasty in your truck, you may find yourself becoming drowsy on long drives. Instead, be sure to keep your air a little cooler than comfortable to keep your body attentive.

8. Take Your Vitamins

Vitamins are another great way to boost your energy. Taking some Vitamin B and Vitamin D after a healthy meal can help you feel more energized and stay awake longer without an energy crash later. 

9. Take a Walk

If you start to feel sleepy, try getting out of your truck in a safe area for a nice, brisk walk to help revitalize your system. Going for a walk will get your blood pumping and muscles moving again, which will not only wake you up, but it will help your body stretch out after being cramped in the same position for hours. It is important for anyone who remains stationary for long periods of time to contract their muscles and move around frequently; these are the best ways to avoid blood clots.

10. When All Else Fails, Take a Nap

Sometimes, no amount of caffeine or vitamins can replace a quick power nap. If you are feeling too tired to go on, don’t be afraid to park your truck in a safe place and take a nap. Just be sure to set a timer to avoid oversleeping. A 20-minute nap can do wonders for your energy, but if you accidentally sleep for a few hours, you could wake up feeling even more groggy, and your shipment could be running late.

 

Overnight drives can be relaxing, but it is important that you stay perceptive and safe. If you think you have what it takes to be a commercial truck driver, visit our website and get started with a loan today.

Hurricane Season: What Does it Mean for the Freight Industry?

 

 

This year, hurricane season rocked the coast as we’ve grown to expect. This September, Hurricane Florence swept the Carolinas at a category 4, leaving destruction in its wake. When natural disasters arise, our focus shifts to families in need. When survivors need supplies, semi trucks are pulled from regular circulation to deliver aid to those in need. Many truck drivers and members of the commercial vehicle workforce may be wondering what this means—and how hurricane season influences the freight industry.

FEMA and Freight Load Demand

Mandatory evacuation is closely linked to the commercial transportation industry during a hurricane. In order to support the traffic flow associated with mandatory evacuation, some major highways usually need to be reversed. Simultaneously, September begins a busy season for the commercial transportation industry in preparation for higher consumer spending during the holidays. During emergencies, FEMA pulls trucking capacity from all over the country for help delivering supplies. Tight seasonal capacity compounded by the demand for capacity in an emergency has the power to affect the flow of goods nationwide. FEMA can even pay truckers competitive rates to incentivize help to affected areas quickly.

Considering that truck drivers today are already in great demand, it’s easy to see that a large storm carries implications for the efficacy of the freight industry. According to Dial-A-Truck, or DAT, the freight market is affected in three key stages during a natural disaster: before, during and after.

Before the storm hits, FEMA might increase demand for loads to be transported out of the storm’s path of destruction. During the storm volume will drastically decrease due to unsafe road conditions and closed roads. After the hurricane, FEMA will call for emergency freight, often posted on the DAT Load Boards.

The aftermath of a hurricane prevents trucks from safely returning to the road. Practically speaking, flooded roads, downed trees, and damaged infrastructure slow drivers ability to meet the demands waiting for them. For example, in 2017 following Hurricane Harvey, the number of freight loads nationally dropped 10%. Because Houston is a major city and transportation/freight hub, the potential effects on the industry were amplified. Freight loads out of Houston immediately following the storm fell 72%.

What This Means Today

Hurricane Florence affected the Carolinas including Charleston this September with winds strong enough to cause widespread power outages and uprooted trees. Large sections of I-95 and US Route 70 were flooded for days following the storm, and the North Carolina Department of Transportation instructed all drivers to avoid driving in the state completely. Recommended detours included routes through Tennessee and Virginia. While parts of major highways were cleared for use just ten days later, hundreds of other roads in North Carolina stayed down.

After a hurricane, floods can also damage warehouses and fulfillment centers, preventing drivers from returning to work. Days can translate into weeks when goods start to back up and overflow other centers. For some time after the storm, many shipments in and out of the area could be allocated to rebuilding damage. So how does the backup influence market prices?

Price Increases

Price increases are normal after a natural disaster. This has to do with the relationship between supply and demand. After an initial dip, demand increases following hurricane season, but supply can still be stifled. For example, according to the DAT Trendlines, load to truck ratios increased for van, reefer and flatbed equipment types in the week following Hurricane Florence. National average rates slipped in the week following the hurricane as well. Spot market loads have increased 2.9%  and spot market capacity has increased 1.4%. Following Hurricane Katrina, for example, spot rates rose 7 percentage points for a solid five month stretch.

After a hurricane, it’s also common for gas and food prices to increase. Following hurricane Florence in September, fuel prices are up .3%. This is mild compared to the influence of Hurricane Harvey, which made landfall in Texas last year. Because Texas is a major U.S. petroleum production site, the impact was significant. 14 refineries shut down as a result of hurricane damage. Gas prices nationally after Hurricane Harvey rose a whopping 15% according to CNN. Luckily, Hurricane Florence has made less impact on gas prices. This translates to good news for the trucking industry.

Positive Outlook

Ultimately, the commercial transportation industry is resilient. Following a hurricane or natural disaster, supplying relief and supplies to those in need takes priority.Our hearts go out to everyone affected by Hurricane Florence this September. To keep you on the road, remember that a semi truck repair loan could help you cover the cost of damages caused to your truck in the event of an emergency. To learn more about your options, visit https://www.missionfinancialservices.net today.

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