{"id":5414,"date":"2016-11-21T08:00:32","date_gmt":"2016-11-21T13:00:32","guid":{"rendered":"https:\/\/roofingmagazine.com\/?p=5414"},"modified":"2016-11-21T07:10:27","modified_gmt":"2016-11-21T12:10:27","slug":"how-to-deal-with-winter-downtime","status":"publish","type":"post","link":"https:\/\/roofingmagazine.com\/how-to-deal-with-winter-downtime\/","title":{"rendered":"How to Deal With Winter Downtime"},"content":{"rendered":"<p>You worked hard all summer and made a lot of money. But now summer is over and winter is quickly approaching. With winter comes downtime. <\/p>\n<p>When you\u2019re young, temporary lay-offs can be fun: Parties, travel, music and sporting events make layoffs easier to handle. When you\u2019re older, with bills to pay and mouths to feed, layoffs can be very worrisome. There are a few basic steps you can take to help deal with temporary layoffs.<\/p>\n<p>If you\u2019ve been laid off, you should file for unemployment insurance as soon as possible. The sooner you file, the sooner you can be deemed eligible and the sooner you can start receiving funds. The unemployment agency will verify with your employer the reason for you losing your job. <\/p>\n<p>If you are not happy in the roofing industry you might be interested in retraining, not only to learn new job skills but also to keep your mind sharp. Consider the following:<\/p>\n<ul>\n<li>Take some community college courses. Community colleges are relatively inexpensive and offer a wide variety of courses to improve work skills while earning valuable college credits that may lead to a possible degree.<\/li>\n<li>Visit your local unemployment office. It will have lists of apprenticeship and training opportunities that can lead to a more secure position.<\/li>\n<li>Select courses at a location vocational\/technical school. These schools offer a wide variety of hands-on training at reasonable costs.<\/li>\n<li>Purchase books or software to use on your own. There are many free and reasonably priced online training and education classes available.<\/li>\n<\/ul>\n<p>See \u201cTraining Resources\u201d below for some additional ideas. <\/p>\n<p>If you love roofing and want to remain in the trade, there are steps you can take to keep your head above water\u2014financially speaking.<\/p>\n<p>John M. Grohol, Psy.D., writes in <a href=\"http:\/\/psychcentral.com\/blog\/archives\/2009\/01\/28\/7-ways-to-cope-with-a-layoff\/\" target=\"_blank\" class=\"broken_link\">\u201c7 Ways to Cope with a Layoff\u201d<\/a> that you need to take a realistic look at your finances and budget. Do not put this off longer than a week after you are laid off. Although we may not enjoy dealing with our finances, failure to do so could result in a far worse situation down the road (which always arrives sooner than you think). Dr. Grohol suggests: \u201cBe creative in analyzing your budget for places to cut.\u201d Most of us assume we need things like digital television and unlimited mobile calling plans. But most of us don\u2019t. He adds, \u201cNow\u2019s the time to put aside your wants temporarily and focus exclusively on your and your family\u2019s needs.\u201d <\/p>\n<p>Your savings, rainy-day fund and even your 401(k) may offer you some temporary financial relief. Borrowing from your 401(k), for instance, is usually less expensive than adding to your credit-card debt because you are paying back the loan with interest to yourself (not a credit card company). However, borrowing from your 401(k) and other retirement accounts is usually recommended only as a last resort. <\/p>\n<p>Take care of your insurance. We often don\u2019t think about insurance until we\u2019re faced with a layoff and find out just how expensive insurance really is. Your employer will likely offer you COBRA, which allows you to continue your employer\u2019s health benefits with one catch: You now have to pay what your employer was paying for your benefits. Be prepared for sticker shock. Most people are amazed that a family of four\u2019s health insurance on COBRA might be as high as $1,000 or even $1,500 a month; for a single person or couple, it can be anywhere from $500 to $800 per month. When paying bills is already going to be a challenge, COBRA might be out of reach.<\/p>\n<p>Shop around. With the Affordable Care Act, there are a lot more health-insurance plans available at a wide range of costs. You may find other health insurance coverage for your family that is less expensive and won\u2019t cut your benefits in any significant way. Weigh the costs with what you can afford. For example, you may have to pay a higher deductible for inpatient hospital stays to achieve a lower monthly premium.<\/p>\n<p>If you want or need to keep working, hit the classifieds. Nearly all classified sections now are online, so searching through them is far easier than it was 10 years ago. Although it might seem like nobody is hiring (and in the construction profession, that may very well be true), you should keep an eye out anyway. Jobs sometimes become available as people retire or a company\u2019s focus changes. Extend your search somewhat outside your trade, as well, just to see what else might be available. Check out your \u201cdream job\u201d, too. Some people use a layoff as an opening for a new opportunity. <\/p>\n<p>Use the unemployment resources available to you, whether through your ex-employer or through your local government. Libraries, too, often offer a great set of employment and career resources (such as r\u00e9sum\u00e9 writing services). Don\u2019t be afraid to network. Make your situation known, build connections and, soon, unemployment will be a thing of the past!<\/p>\n<h4>Training Resources<\/h4>\n<p>The following are examples of free or low-cost training opportunities you may want to consider when you are laid off:<br \/>\n<strong>Free<\/strong><br \/>\nCollege courses from <a href=\"http:\/\/www.asuonlineusa.com\/\" target=\"_blank\" class=\"broken_link\">American Standard University<\/a><br \/>\nSolar training in New Jersey from <a href=\"http:\/\/www.itmsys.com\/\" target=\"_blank\" class=\"broken_link\">Information &#038; Technology Management<\/a><br \/>\nYour state may offer free training, like <a href=\"http:\/\/www.allny.com\/job-articles\/free-job-training.html\" target=\"_blank\">New York<\/a><\/p>\n<p><strong>Low Cost<\/strong><br \/>\n<a href=\"https:\/\/www.pennfoster.edu\/career-school\" target=\"_blank\">Penn Foster Career School<\/a> <\/p>\n<p><strong>More Ideas<\/strong><br \/>\nThe <a href=\"https:\/\/www.dol.gov\/general\/topic\/training\/adulttraining\" target=\"_blank\">U.S. Department of Labor\u2019s Employment and Training Administration<\/a> provides information and services to assist workers who have been or will be laid off.<\/p>\n<p>Search for apprenticeships and youth education\/training programs, like one in <a href=\"http:\/\/obtjobs.org\/programs\/youth-education-job-training-program\/\" target=\"_blank\">New York<\/a>.<\/p>\n<p>Interested in the safety profession? Check out <a href=\"http:\/\/free-training.com\/osha\/soshamenu.htm\" target=\"_blank\">Free-Training.com\/osha\/soshamenu.htm<\/a> and <a href=\"http:\/\/free-training.com\/\" target=\"_blank\">Free-Training.com<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You worked hard all summer and made a lot of money. But now summer is over and winter is quickly approaching. With winter comes downtime&#8230;.<\/p>\n","protected":false},"author":76,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"How to Deal With Winter Downtime","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[33],"tags":[5740,3909,161,452,2466,6499,2426,162],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Deal With Winter Downtime - Roofing<\/title>\n<meta name=\"description\" content=\"You worked hard all summer and made a lot of money. But now summer is over and winter is quickly approaching. With winter comes downtime.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/roofingmagazine.com\/how-to-deal-with-winter-downtime\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Deal With Winter Downtime - Roofing\" \/>\n<meta property=\"og:description\" content=\"You worked hard all summer and made a lot of money. But now summer is over and winter is quickly approaching. With winter comes downtime.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/roofingmagazine.com\/how-to-deal-with-winter-downtime\/\" \/>\n<meta property=\"og:site_name\" content=\"Roofing\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RoofingMagazine\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-11-21T13:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-11-21T12:10:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/roofingmagazine.com\/wp-content\/uploads\/2020\/10\/RoofingLogo1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"792\" \/>\n\t<meta property=\"og:image:height\" content=\"612\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Michael J. 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