RCTC Student Beehive – September 26, 2018

Check out the following links for important RCTC information:

Flu Shots
Supporting Victims and Survivors
Jump Starts and Vehicle Unlocks for Students
Student Printing
Health Services
RCTC Foundation is Seeking Applications for OAKS Scholarships
Money Management
UPCOMING EVENTS – New this Year! Check out our events category at the end of each Beehive!



FLU SHOTS
Flu shots will be available for students on campus, Wednesday, October 3, 11:00 – 1:00 in Student Health Services (HS 140). 

Bring your proof of health insurance.  Most plans fully cover annual flu vaccinations, so you may not have any out-of-pocket costs at this event.  Your actual cost will be determined by your insurance plan.

Protect yourself and others by getting a flu vaccination every year!

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SUPPORTING VICTIMS AND SURVIVORS – A REMINDER
Within the past week there has been a national dialogue about the individual experiences of survivors of sexual violence. Rochester Community and Technical College is committed to fostering an inclusive and welcoming campus climate. All members of our college community have the right to a respectful and safe environment in which to learn and work. Acts of Sexual Violence are an intolerable intrusion into the most personal and private rights of an individual, and are prohibited at the college. Policies, procedures, and resources are in place to respond to incidents of sexual harassment, discrimination, and misconduct that provide support to individuals and interim measures to eliminate the hostile environment created when such acts are perpetrated.

Any student or employee who has experienced sexual violence is encouraged to report to local law enforcement and/or the college. The college can also provide assistance in filing a report to local law enforcement if requested, implement interim measures in regard to your personal safety, and support in accessing counseling and other campus or community based resources. We also acknowledge that the choice to report is deeply personal and affirm the right for a survivor to decide if and when to report.

At the college one can file a complaint under Minnesota State Policy 1B.1 Equal Opportunity and Nondiscrimination in Employment and Education or Minnesota State Policy 1B.3 Sexual Violence Policy. Complaints can be filed online using the Sexual Misconduct Reporting Form. Individuals may also use the form to file complaints anonymously. Individuals who choose to file anonymous reports are advised that it may be difficult for the college to follow up or take specific action, where information is limited.

Individuals may also report on campus to the following individuals:

Rebecca Peine, Title IX Coordinator
Student Services 225
507-285-7195

Andrew Hamann, Campus Safety Coordinator
Coffman Hall 102
507-280-5050

If you would like to access support and resources, but are not sure if you want to file a report you can utilize the following resources to access confidential support.

Olmsted County Victim Services 24/7 Phone Line
507-289-0636

Katie Swegarden, Coordinator of Student Health Services
Health Sciences 140
507-280-2887

Deb Vang or Gregg Wright, College Counselors
Student Services 133
507-285-7260

For more information on Minnesota State Policy, 1B.1 Equal Opportunity and Nondiscrimination in Employment and Education, visit: http://minnstate.edu/board/policy/1b01.html

For more information on how to file a complaint of sex and gender based discrimination or misconduct, and College and community resources related to Sexual Violence please visit: https://www.rctc.edu/services/student-affairs/sexual-violence/.

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JUMP STARTS and VEHICLE UNLOCKS
Your vehicle won’t start? Locked your keys in your car? Campus Safety will help for FREE!! Just call 507-280-5050. If you have any questions or concerns, you can contact Campus Safety at 507-280-5050 or email us at security@rctc.edu

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STUDENT PRINTING
RCTC implemented student print accounting to promote Green conservation, help control rising printing costs, and aid in keeping student technology fees down.  The following information represents RCTC’s student printing guidelines.

RCTC students will receive 500 sheets/credits of paper into their print accounts at the start of each semester which can be used for either single sided or double sided (duplex) black laser printing.

Currently the Library Technology Center (LTC), located on the third floor of the library, and the Comprehensive Learning Center (AT 306), support duplex printing.  RCTC is continually expanding duplex printing services throughout campus and will keep updated changes on the RCTC Student Printing webpage.

Each student that logs on to a campus computer will be able to track and purchase additional sheets/credits of paper through the print management account icon on the computer desktop

For frequently asked questions and additional details, visit the website at:  http://www.rctc.edu/technology/printing/

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HEALTH SERVICES
At RCTC Student Health Services, we are here to assist all current students with their health, illness, and injury concerns while on campus.  A registered nurse is available daily and a nurse practitioner is available weekly. Services we offer on campus include assessment and treatment of acute illness (cold, sore throat, skin rash, etc.,) physical exams for academic and athletic programs, blood pressure screening, and TB (tuberculosis) tests. Lab tests for strep throat, urinary tract infection, pregnancy, blood sugar, cholesterol, and mononucleosis are also available. We have Bandaids, condoms, and a variety of over-the-counter medications for colds, pain, and stomach problems, too. If other services are needed, we can assist with referrals to community healthcare providers.

Student Health Services is funded by the Health Service fee included in the tuition statement, so most of the services we offer are free. Yes, FREE! (There is a small fee for a few services, but most really are free.)

But that’s not all! Since we understand that students learn better when they are feeling well, at Student Health Services we don’t just care about illness, we also want students to learn how they can stay well and improve their overall health and wellness. Nutrition and physical activity challenges, health screenings, flu shots, and health-related events are just some examples of these opportunities. Look for announcements and more information in your student email or on RCTC’s Facebook page.

Student Health Services is located at HS140 in the Health Sciences building. Walk-in appointments are available, but appointments are preferred.
Stop by or call us at 285-7261.

Visit the Student Health Services website for hours, services available as well as links to valuable resources.

The RCTC Student Health Services does not give excuses or notes for missing class or practice. It is the student’s responsibility to notify his/her instructor or coach if class or practice must be missed.

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RCTC FOUNDATION SEEKING APPLICATIONS FOR OAKS (FORMERLY BEAT THE ODDS) SCHOLARSHIPS
OAKS Event, stands for Overcoming Adversity Keeping Strong, is an annual fundraising event and scholarship program that pays tribute to students who have overcome tremendous odds to become personally and academically successful. The purpose of the program is to raise awareness of the struggles of many students in our community and recognize their ability to overcome difficulties. The OAKS scholarship program awards deserving students from the Rochester and surrounding areas, a $2,500 scholarship to attend Rochester Community and Technical College. To be eligible, candidates must be a high school senior or a first-year RCTC student who has overcome obstacles such as personal or family hardships, abuse, neglect, poverty, disabilities, or language and cultural barriers. Despite their challenges, these students have persevered and endeavored to become personally and academically successful and are preparing for the next step in life of attending college. All eligible applicants must have a nominator. Nominator forms and applications can be found on the RCTC Foundation website.

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MONEY MANAGEMENT
As you begin college, this is the perfect time to learn important skills that will help you manage your money now and in the future.  Money management skills and good practices are needed no matter how much or how little you have. It is never too early to start learning about money and budgets.  The following information will cover a variety of money management topics, including budgeting, credit cards and credit rating, debt management, how to identify financial troubles and finding resources to help.

Monthly Budgeting in College

  • Keep track of what you earn and what you spend.  Create a monthly budget and track to see if it is accurate.
  • Be aware of when you are buying to fulfill a need such as food, compared to a want such as the latest CD. Skip purchasing some wanted items to show you can do it.
  • Find ways to cut costs: Use a bicycle, get a roommate, learn to cook and buy used books.
  • Get organized: Establish a monthly bill-payment routine and set up a filing system.
  • Track your bank account. Be careful with your debit card – don’t go in the red.

Credit Card Tips

  • Keeping debt at bay is the #1 ingredient for financial success. Start now!
  • Realize that the spending patterns you set today will have an impact on the rest of your life.
  • Don’t have more than one.
  • Read all the fine print of a credit card offer, including interest rate information and when the rate can increase, amount of late fees, over-the-limit fees, balance transfer fees, etc.
  • Try to pay off the entire balance each month to avoid unnecessary interest.  Always pay more than the minimum due.
  • Calculate the annual amount of interest you are paying; multiply the interest rate by the total balance owed.
  • Avoid penalties and fees as they can add up quickly.
  • Always keep your balance at least one-third below your credit limit in case of emergency.

Types of Debt
How you repay debt determines your credit rating, so knowing about the types of debt is important.

Installment loans are for big-ticket items such as cars or homes. Installment loans are paid in monthly fixed amounts and are normally secured (i.e. backed by something of value, such as a car). Payments should be manageable in your budget. Make payments on time as this will help improve your credit rating.

Credit Cards and department store cards are revolving credit lines. Credit cards are heavily marketed and the terms often look better than they really are:  Proceed with caution! Credits cards have a monthly payment that varies based upon total amount owed. Poor handling of credit cards can quickly hurt your credit rating.

Student loans are unsecured installment loans. Explore all your financial aid options, focusing first on scholarships and grants that don’t have to be repaid. Borrow only the amount you need to get through college. You will be happy to have a lower student payment when you begin your career and want to buy a home and a car. Be realistic about what your salary will be after graduation and estimate the amount of debt you can afford. Ideally, student loan payments should be 10 percent or less of your net monthly income.  Total debt, including your mortgage payment, should not exceed 30 percent of your gross income.

Your Credit Rating
A credit score is based on many types of information in a credit file. Lenders use a credit score to help determine whether a person qualifies for a credit card, loan, or service. Generally, the higher the score, the less risk the person represents.

  • A good credit history can mean lower interest rates, a job offer or a decent apartment.
  • A bad credit history will stay on your record for years and will make obtaining a mortgage or car loan very difficult.
  • Be aware of what’s in your credit report. You can get your credit report free once a year from www.annualcreditreport.com.
  • Making student loan payments on time is often the first step in establishing a good credit history and will likely help you when applying for a car loan or home mortgage down the road.
  • Paying your rent, utility bills and credit card bills on time is important as they are also considered part of your credit history.
  • Your credit report includes your name, current and past addresses and employment, and all credit (debt) you have, including the current outstanding balance and whether you’ve ever been late for a payment. The report also lists any companies that have made credit inquiries.
  • Review all of the information on your credit report and challenge any information that you believe is inaccurate.

In Financial Trouble?
Here are questions to determine if you have too much debt:

  1. Do you have trouble paying your bills on time?
  2. Do you only make the minimum payments on your credit card?
  3. Are you near to the maximum on your credit card limit?
  4. Do you worry about money all the time?
  5. Have you ever needed to borrow money to pay your bills?
  6. Are creditors calling you?

Seek Help
If you answered yes to any of the preceding questions, it is important to seek help. Visit the Web sites listed below. Before deciding if a financial planner is right for you, do your research. Talk with trusted family and friends to find a financial planner. Consider a non-profit financial counseling service such as www.cccs.org.

Tax Related Benefits

  1. File Your Taxes for Free:  You can file your taxes for free online through the IRS website if your income is less than $57,000 at irs.gov/individuals/students/
  2. Earn a Tax Credit: Some college students also benefit from two federal tax credit programs, the American Opportunity Tax Credit and the Lifetime Learning Tax Credit. These may apply to you or your family, depending on your financial circumstances. For more information visit the IRS website at:  irs.gov/faqs/.
  3. Tax Benefits for Higher Education: You may be able to claim a tuition deduction of up to $4,000 of qualified education expenses paid during the year for yourself, your spouse, or your dependent. You cannot claim this deduction if your filing status is married filing separately or if another person can claim an exemption for you as a dependent on his or her tax return. The qualified expenses must be for higher education. You may also be able to deduct interest you pay on a qualified student loan. And, if your student loan is canceled, you may not have to include any amount in income. For more information visit the IRS website at: irs.gov/publications/p970/index.html.

Further Information, Interactive Tools and More
For additional information, interactive tools, budget calculators, sample plans, and more, visit the Minnesota State Colleges and Universities Finance Plan website at:  www.gpslifeplan.org/finance. The Finance Plan website will help you learn about general budgeting practices and help you assess your specific situation. The more you know about both, the better you can manage your money. No one will care about your financial situation more than you so it is important that you take control and take action.

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UPCOMING EVENTS

Thursday, September 27

  • Homecoming Week
  • Throwback Thursday

Friday, September 28

  • Baseball vs Western Technical College,  HOME, 6:00pm
  • Volleyball vs St. Cloud Tech, HOME, 6:30pm

Saturday, September 29

  • Volleyball vs. NIACC, HOME, 11:00am
  • Football vs Vermilion Community College, HOME, 3:00pm

Sunday, September 30

  • Women’s Soccer vs Anoka-Ramsey Community College, HOME, 3:00pm

Monday, October 1

  • Library Tour, 11:00am

Tuesday, October 2

  • Touchdown Tuesday Sale in the Bookstore
  • Mediterranean Breeze, Hill Theatre, 12:00pm
    International opera singer, Nerea Berraondo, and RCTC music faculty, Ainhoa Urkijo will join forces for an unforgettable ‘matinee of music’ for voice and piano. Tuesday, October 2 at 12:00pm in Hill Theatre. ​Music by Composers from Spain, France, and Italy will bring a nice breeze of Mediterranean music into the Hill Theater; a perfect midday break to enjoy the sunshine and warmth of the Mediterranean sea! Free and open to everyone. Stop by and check it out!  Mrs. Berraondo will also be offering a masterclass on singing to the RCTC Voice students after the performance. Our students will get to work one on one with one of the finest talents in modern opera. 
  • Volleyball, Sports Center Lawn, 3:00pm-6:00pm

Wednesday, October 3

  • Women’s Soccer vs. Minnesota West, AWAY, 5:00pm
  • Baseball vs. Anoka-Ramsey Scrimmage, AWAY, 5:00pm
  • Volleyball vs. Riverland, Home 6:30pm

Events can be found on the Student Life Events Calendar and on the Athletics Sports Schedules.

Events Coming in October

Date Events in October
October 4: Therapy Dog Thursday (every Thursday in October)
October 8: ValleyScare Tickets Available Starting Today
Old Socks Day
October 9: Overcoming Stigma: A conversation about mental health and suicide prevention
October 10: Managing Anxiety Workshop
October 15: “The Stress Test” – Keynote Presentation, Hill Theatre, 11:00am
October 18-19: Education Minnesota Conference – NO CLASSES
October 22: MN Vikings Game Tickets Available Starting Today
October 23: Happy Hour: The Science of Happy
Tunnel of Terror (10/23-10/31)
October 26: ValleyScare – Student Life Off-Campus Trip
October 27-November 3: Fall Children’s Play
October 31: Glow-in-the-Dark Yoga Session 1 and Session 2
Halloween Spooctacular
Soccer, Volleyball, Football and Basketball games either at home or away every week
Intramural Sports every week
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