RCTC Student Beehive – September 25, 2019
Check out the following links for important RCTC information:
Fire Drills – THIS WEEK
Flu Shots Available for Students
Rochester Customer Service Job Fair – TODAY!!!
Jump Starts and Vehicle Unlocks for Students
RCTC Foundation Seeking Applications for OAKS
Money Management Tips
- 9:00am:? Main Campus
- 9:30am:? Regional Sports Center
- 10:00am:? Heintz Center
Please be prepared to evacuate the buildings ASAP when you hear the alarm.? These drills are to practice quick evacuation so everyone know what to do if a real fire were to occur.
Thank you for your cooperation with these scheduled fire drills.
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!
ROCHESTER CUSTOMER SERVICE JOB FAIR – TODAY!!!
Join us for the Rochester Customer Service Job Fair taking place today, Wednesday, September 25 from 10:00am-12:00pm in the Heintz Center on the RCTC campus.? There will be many employers there ready to hire you in a customer service, retail or hospitality job.? They’ll also be giving out 30 gift cards. You must register for this event so visit www.jobsHQ.com/careerfairs to register and for more information!? Hurry…time is short!!!
JUMP STARTS and VEHICLE UNLOCKS FOR STUDENTS
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 firstname.lastname@example.org.
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 their print account current balance through the print management dialog box.
For frequently asked questions and additional details, visit the Student Printing website.
At RCTC Student Health Services, we assist current students with their physical and mental health needs.? Registered nurse, nurse practitioner, and licensed mental health therapy services are available.? 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
- mental health evaluation and therapy
- blood pressure screening
- TB (tuberculosis) skin tests
- Lab tests for strep throat, urinary tract infection, pregnancy, blood sugar, cholesterol, and mononucleosis are also available.
- Band-Aids, condoms, and a variety of over-the-counter medications for colds, pain, and stomach problems
Student Health Services is funded by the Health Service fee included in the tuition statement, so there is no additional fee for most of the services. Mental health therapy visits can be billed to a student?s health insurance, but students are not denied service if they uninsured or if they are unable/unwilling to use their health insurance.
Appointments should be scheduled at https://healthservices.rctc.edu? Walk-in visits are available, but only on a limited basis.? To be sure that you can be seen at a time that is convenient for you, please schedule an appointment.? If you have questions, please call us at 507-285-7261.? RCTC Student Health Services is located at HS140 in the Health Sciences building.
Note:? 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.
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 Foundation website.
MONEY MANAGEMENT TIPS
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 iPhone. 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 loan 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:
- Do you have trouble paying your bills on time?
- Do you only make the minimum payments on your credit card?
- Are you near to the maximum on your credit card limit?
- Do you worry about money all the time?
- Have you ever needed to borrow money to pay your bills?
- Are creditors calling you?
If you answered yes to any of the preceding questions, it is important to seek help. Visit the websites 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 https://www.lssmn.org/financialcounseling/.
Tax Related Benefits
- 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 https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free
- 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/.
- 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.
Saturday, September 28
- Soccer vs. Lake Superior College, 2:00pm, Home
Wednesday, October 2
- Relationships and Success, 2:00pm, HS136
- Soccer vs. College of Saint Scholastica, 6:00pm, Home
- Volleyball vs.Western Tech College, 6:30pm, Away
Intramurals information can be found on the Yellowjackets Athletics website for RCTC.
Events Coming this Semester
|October 5||Chainsmokers Concert|
|October 17-18||Education MN Conference – NO CLASSES|
|October 22||WILD Game – Off-Campus Trip|
|October 23||Beyond FYEX Session|
|November 11||Veterans’ Day – NO CLASSES|
|December 8||Thanksgiving Break – NO CLASSES|
|December 8||Vikings Game – Off-Campus Trip|
|Football, Soccer and Volleyball games either at home or away every week
Intramural Sports every week
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