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Thunderbolt Area FCU’s Rich History: Keeping it in the Family  

Although they offer many of the same services, credit unions operate in a fundamentally different way than banks, one based on the philosophy of “people helping people”.  Credit unions were typically founded by friends, like neighbors, workers and people who worship together. Today we’re featuring a credit union founded by eight toolmakers who worked in America’s first Defense Airport.

The South Jersey town of Millville is rich in history, most famously known as the home of the Millville Municipal Airport, the first training ground in the country for pilots during World War II. Thunderbolt Area Federal Credit Union, located at the airport entrance, is a part of that history and holds quite a story of its own.

Its president, Bob Millard, is the son of the credit union’s founder, Asher K. Millard. Asher worked for Airwork Corporation, the engine overhaul shop located in Millville, as a toolmaker. He and seven other Airwork employees began Airwork Employees Federal Credit Union – later to become Thunderbolt Area Federal Credit Union – by pooling together their money, $5 each at the time. Until then, Asher had kept his money in a safe at home, lending to friends in need when he could. Laying the foundation for the credit union came as a natural next step for him.

The credit union gained its federal charter on May 1, 1951 and was located on the premises of its original sponsor company, Airwork Corp. Asher, however, couldn’t take off work from his position as a toolmaker to operate the credit union. So, his wife, Helen K. Millard, worked there part-time, for no pay, from 10 a.m. to 2 p.m., Monday through Friday.

Their son, current Thunderbolt Area Federal Credit Union president Bob Millard, at the ripe age of 8, began helping his parents with calculations. “Effectively I have been involved in some way for nearly 65 years,” says Millard. He was then elected to the board of directors in 1968 and eventually took over as president when his father retired in 1985.

When asked why he began working at the credit union, and continued for as long as he has, Millard says it’s the philosophy of “people helping people” that brought him there and kept him there. “I liked the concept,” he explains, “To help an individual, someone who just walks in, needs help, that’s where it counts.”

Where does the name Thunderbolt Area come from? It was also taken from the pages of the history of Millville. The Thunderbolt P-47 was a plane flown in World War II, and pilots of these planes were trained at the nation’s first Army airfield: Millville Municipal Airport. “Area” comes from the credit union’s change in charter to serve the surrounding area.

Through the years, Thunderbolt Area FCU has stayed true to its roots—its community and its humble beginnings—due to its founding family.

At a credit union, you’re much more than just a customer. For more information on Thunderbolt Area FCU, including how to join, visit www.tbafcu.com or find a credit union near you at www.BankingYouCanTrust.com

But, How Much Debt is TOO MUCH Debt? 

By Daniel Jacinto

Thinking of taking on debt? For example, opening a credit card or purchasing a car or home? Unsure how much of it is too much? This is quite an ambiguous question because many have different opinions on debt. Some believe having it is taboo, even when it comes to buying a house. Others believe it’s fine to have debt as long as you can afford the payments.

Credit and debt go hand-in-hand. Credit is a financial device such as a car loan, mortgage, or credit card that people can get from a credit union or other financial institution. Credit serves as a source of funding when you don't have enough cash or assets to pay for things you want or need. (a car, a home, college education, etc.). Debt is what you owe after obtaining credit.

The amount of debt you can and should take on depends on your situation. Current living arrangements, current debt, your spending and saving habits, and how much you’re getting paid are some factors that go into deciding how much debt is too much for you.

According to CFA Elvis Picardo, a good rule-of-thumb to calculate a reasonable amount of debt would be to use the 28/36 Rule. This rule suggests that households shouldn’t spend more than 28% of their gross income on housing expenses (including mortgage payments, home insurance, property taxes, and condo fees), and a maximum of 36% on total debt service (housing expenses + other debt). For example, on a $40,000 salary following the 28/36 Rule, housing expenses should not exceed $11,200 for the year or about $933 monthly. Other personal debt should not exceed $3,200 annually or $267 monthly. Use this rule as a starting point to calculate your reasonable debt load.

Now that we’ve covered one big purchase let’s focus on another: your car. When deciding how much car you can afford (not how much you should spend on a car) it all depends on your needs, lifestyle, and how much you take home. According to www.moneyunder30.com, there are three answers to the question of how much car you can afford: the frugal answer (10% of income), the compromise (20% of income), and car lover (spending more than typically recommended for most people, perhaps up to 50% percent of your income).

If your car needs aren’t excessive and you just need a “beater” that goes from point A to B, then the frugal approach suggests between 10-15% of your salary should be how much you spend on a car. For example, if your income were $30,000/year, a good rule-of-thumb would be to purchase a car that’s between $3,000-$4,500 likely with high mileage.

This must all sound really conservative to you right now, but let’s compromise. What if you’re looking for something a little bit more reliable and safer to accommodate family needs? You’d probably want something newer that’ll last longer, right? For a more reliable, newer car, 20-25% of your income would be a good benchmark. If you make $30,000 a year, you’d be spending between $6,000-$7,500.

I know there are some readers still thinking even that is too strict and unrealistic for their car needs. Well, if you have a passion for cars and value cars more than other items, you may fall under the “car lover” category. The www.moneyunder30.com blog gives the OK to spend up to 50% of your income on your car, but only if you can afford it along with your other expenses. Just be cautious. If your car is your largest expense, be weary of other expenses.

Be mindful of your financial situation as a whole before you apply for a loan and go into debt. If you’re able to afford the payments, are confident you’ll get a return on your investment, and qualify for a good interest rate, then debt is very much a tool at your disposal. Great interest rates on mortgages can land you a profitable home if it appreciates in value over the long term. Getting a student loan to beef up your knowledge and can earn you more income over your lifetime.

Most credit unions have competitive interest rates on mortgages, student loans, car loans, credit cards, and more. Find a credit union that can provide you with the tools to grow your worth over your lifetime at www.bankingyoucantrust.com

Push ‘Start’ on Leveling-Up Your Child’s Financial Skills 

By Daniel Jacinto

According to www.FinancialLiteracyMonth.com, Americans are over $2 trillion in consumer debt and 30% of consumers report not having extra money; thus making it impossible to avoid living paycheck to paycheck for some Americans. Some of these families living paycheck to paycheck have children that will see their financial struggle and may miss out on crucial financial skills they’ll need for their future.

Too many Americans are also insufficiently educated about personal finance. The National Financial Educators Council issued a 30-question National Financial Literacy Test designed to measure young participants’ ability to earn, save and grow their money. Fifteen- to eighteen-year-olds scored 61.24% out of 100% nationally on this financial literacy test in 2015. These results show the American youth is lacking basic financial skills and education.

As part of National Financial Literacy Month and National Credit Union Youth Month, celebrated in April, we’re sharing great ways to engage your child in developing their financial skills that are both educational and fun! Be your child’s “player two” in these financial games and help them level-up their financial literacy in a fun way your child can relate to.

Financial Football. Test your financial knowledge in this fast-paced, NFL-themed game developed by Visa. Answer a series of financial questions that will allow your team to move down the field to score touchdowns. This game is for ages 11 and up and parents may even learn a thing or two from it! Visa put together a handful of financial games available on their Practical Money Skills for Life Web site.

Celebrity Calamity. Help celebrities manage their financial life as they hire you to keep their budget on track. The goal is to keep the celebrity happy by making any required purchases on their behalf and maintaining a budget. Players will decide how purchases will be charged (via debit or credit card). Players will learn about credit card balances, interest rates, and minimum payments.

Hit the Road: A Financial Adventure. Choose your own character and career as well as two other friends and go on a journey to Colorado from Washington, D.C. In this game, players will learn to manage a budget by saving and spending their money wisely to complete several challenges along the way to Colorado for a ski trip.

Games and Activities from MyCreditUnion.gov. Choose from several financial games on www.mycreditunion.gov for ages 5 and up brought to you by the National Credit Union Administration. Match coins to earn money and decide how to spend it in building your own magical world in World of Cents. Fill-up your own piggy bank after answering coin trivia correctly in Break the Bank.

Financial Reality Fairs. Many of New Jersey’s school districts have partnered with local credit unions, the New Jersey Credit Union League, and the New Jersey Credit Union Foundation to bring financial Reality Fairs to students from 8th grade, through high school and into the first year of college. A Financial Reality Fair is a hands-on “game of life” that give students a real perspective of how much life can cost and a taste of how to budget within their means. Over 5,600 students in the state have benefitted from this program in the last 5 years. Has your child’s school district hosted a financial Reality Fair?

Your local credit union may provide financial education seminars teaching budgeting, saving, and other important financial literacy topics for FREE! Find a credit union near you by visiting www.bankingyoucantrust.com.

What Is Identity Theft? 

By Federal Trade Commission
March 30, 2016 Categories: identity protection protect yourself

How to Cope with Daylight Savings Time 

By Daniel Jacinto
March 09, 2016 Categories: Daylight Savings Time saving sleep hygiene tips

It’s that time of year again where the temperature warms up and the huge snow mounds left over from worse days are all or nearly melted. It’s also that time to spring forward! The clocks will change for Daylight Savings Time (DST) on March 13th this year at 2 a.m. The effects of this one-hour change will give you an extra hour of sunlight at the expense of one hour of glorious beauty sleep.

How can you cope with the change and avoid the grogginess when you lose your hour of sleep when the time changes? Here are a few tips to help with the adjustment:

Go to bed a little earlier the night before.

It’ll help you feel completely recharged the next morning! It’ll probably make it easy to not crush your snooze button first thing in the morning or snooze your various alarm clocks set up on your smartphone. Disclaimer: This is providing you aren’t already sleep deprived or consuming alcohol or caffeine before bedtime. But really, who isn’t already sleep deprived or with a nightcap before bedtime?

Reset your internal clock.

Light suppresses the secretion of the sleep-inducing substance melatonin. It’s important to spend as many hours in light during the day and limit your exposure to light in dark hours. Another added plus, a lower energy bill! WARNING: DO NOT live in complete pitch black darkness in your house. You might knock over your favorite coffee mug walking through the halls and ruin your Monday morning before it even starts. Please do have a night-light installed so you can see where you are going in your home.

Practice good sleep hygiene and create a sleep-friendly environment.

If you need to wake up early, don’t pick up your favorite alcoholic drink right before bed! I know it’s tempting, but Mondays are already difficult to take. Don’t make it worse. Also, don’t drink any caffeinated beverages right before bed. Why wake yourself up before getting ready to go to bed?

Practice some calming rituals before going to bed. Take a hot bath or wear (comfortable) earplugs and eye masks. It’s crucial you wake up at the same time every day as well.

So there you have it. Some easy ideas (I hope) to help your Monday morning after you spring forward!

7 Thoughtful Gifts for Your Valentine Without Breaking the Bank 

By Daniel Jacinto
February 08, 2016 Categories: saving Valentine's Day

The romantic day of the year is upon us! As most other holiday gifts, Valentine’s Day gifts can be pricey… but you can impress your sweetheart this year and still leave your budget intact. Remember what mom and dad used to say? “It’s the thought that counts.” You just have to use some creativity (and lots and lots of love) to come up with one of the most thoughtful gifts for your Valentine.

Let the creativity begin! Here are a few ideas to get your creative juices flowing.

1. Order a Customized Jigsaw Puzzle
Shutterfly.com lets you create a jigsaw puzzle out of a photo of you and your sweetheart. 

2. Cook a Romantic Dinner
Home-cooked, candle-lit dinner for two? This is surely a romantic way to tell your sweetheart how much they mean to you. Pick up the ingredients for your loved one’s favorite meal and prepare it for a romantic evening.

3. Put Together a Bag of Your Partner’s Favorite Sweets
Charm a loved one with a bag of their favorite candies. Find a decorative bag at grocery store and fill it with sweets you know your love craves. Tie a big red bow and voila!

4. Breakfast in Bed
Cook up your sweetheart’s favorite breakfast and present it with some flowers and a card bedside.

5. Handmade Romantic Card
Let your artistic side flow! Even if you aren’t Michelangelo himself you can certainly create a masterpiece card that your love will adore. Create a sweet or silly card and fill it with love.

6. Make a Printed Photo Book
Create a small photo book with a couple of pictures highlighting special experiences together. There are sites online that let you upload photos and construct a photo book. Here are just a couple mentioned in The Washington Post.

7. Create a Video Collage
For the more tech-savvy, create a video montage with photos of you and your sweetheart with their favorite song in the background. Most computers nowadays come pre-installed with free easy-to-use video editing software. 

 

4 Reasons You Should Join a Credit Union Today! 

By Daniel Jacinto

Ever wanted to join a credit union? Don’t know what a credit union can do for you?

Let’s start with a brief overview…

Credit unions are the financial world’s best-kept secret. There are 217 million credit union members spread out over 57 thousand credit unions in 105 countries.

These member-owned, not-for-profit financial cooperatives provide a number of financial services to members. Credit union membership is based on commonality. Members belonging to a specific, community, organization, religion or employer are able to join a credit union.

Read on for four reasons to join today!

Member-Owned, Not-for-Profit Financial Institution
The not-for-profit structure of these cooperatives means that any net income is used to benefit the credit union member. Members will see lower interest rates on loans, higher interest rates on savings accounts, dividends, or new product and service development at the credit union.

And, almost all credit unions have unpaid, volunteers as that make up their board of directors, unlike other financial institutions whose directors and shareholders benefit from the profits made.

Low Rates on Loans
Credit unions offer substantially lower loan rates compared to banks, especially when it comes to car loans. According to an SNL Financial, Inc. December 2015 study, the interest rate for a new car loan (48 months) at a credit union is 2.58% in contrast to 4.62% at a bank. For used car loans (48 months) credit unions offer 2.78% interest in comparison to 5.16% with banks.

Little to No Banking Fees
In terms of banking fees, you’ll probably find little to no fees at credit unions in contrast to their counterparts. Whether it’s checking account fees, foreign ATM fees, or penalty fees, at a credit union they will likely be lower or not there at all.

Highly Rated Member Service
Credit unions are known for their member service. “Credit unions are among the highest-rated services we’ve ever evaluated, with 93% of their customers highly satisfied, on average, vs. 69% for the four biggest national banks,” said Jeff Blyskal of Consumer Reports.

Credit unions are also highly rated in terms of trust in comparison to big banks. According to Temkin’s Trust Rating Scale, credit unions scored 80%, while the highest rated bank (TD Bank) only scored 66%.

How can you join a credit union?
Find a credit union near you that can offer you these perks and more by visiting www.bankingyoucantrust.com and search for one by zip code. 

Credit Unions Across the World Celebrate the “People Helping People” Philosophy on International Credit Union Day 

By Daniel Jacinto

International Credit Union Day (ICU Day) is a day dedicated to recognizing the credit union movement throughout history, honor those who dedicate their lives to the movement, recognize the hard work of industry employees, and to show CU members appreciation.

ICU Day has been celebrated every third Thursday of October since 1948. This year’s theme, celebrated on October 15th, was “People Helping People,” a philosophy mended into credit unions’ hearts. Read on to see how credit unions around the world celebrated International Credit Union Day.

Gambia
The National Association of Co-operative Credit Unions of The Gambia (NACCUG), the umbrella-body of credit unions in the country, commemorated the ICU Day at the Fatima Senior Secondary School in Bwiam, Foni Kansala District in the West Coast Region. The celebration brought together representatives of various credit unions, government officials, private sector operators and a cross-section of the society of Gambia.

New Jersey, United States
XCEL FCU used ICU Day as a chance to thank members for their support. All employees wore a special t-shirt to initiate the conversation. A special 1.52% 2-year certificate (the highest in the United States) was offered.

Members 1st of NJ FCU had goodies such as coffee and cookies for their members.

North Jersey FCU celebrated ICU Day by having a snack table at all their branches with great giveaways. See more of their ICU Day celebration here.

1st Bergen FCU hung international flags outside their branch location and offered cookies to their members on ICU Day. 1st Bergen also participated in Shop for Miracles; each time their members used their 1st Bergen-issued debit card, 1st Bergen donated $1 to Children’s Miracle Network, which helps provide critical treatments, equipment, and charitable care for kids in local communities and around the world.

Picatinny FCU handed out fortune cookies to their members at all of their branches on International Credit Union Day. Members were excited to read special ICU Day messaging as well as Picatinny FCU themed product and service offers! The cookies captured ICU Day’s theme this year of “People Helping People” and supporting the community!

Liberty Savings FCU celebrated ICU Day by throwing it back to 1960 and commemorating International Credit Union Day in October of 1960. See more pictures of their celebration here.

United Kingdom
International Credit Union Day this year was a special celebration for the Association of British Credit Unions Limited (ABCUL). This past ICU Day marked 50 years of credit unions in Britain. A number of credit unions in Britain celebrated with special promotions. Blues and Twos Credit Union ran an “Introduce a Friend/Colleague” promotion to reward members that referred new members to the credit union. The Co-operative Credit Union made donations to charity for every new member that joined the credit union throughout the week of ICU Day.

Illinois, United States
An employee from Staley Credit Union stood by an order counter for a half hour offering to pay lunch for unsuspecting diners on International Credit Union Day at a local restaurant. This was part of Greater Decatur Chapter of Credit Unions’ ICU Day celebrations. 

America’s Credit Unions Connect with Communities at National Night Out 

By: Daniel Jacinto

Credit unions run on the philosophy of “People Helping People” and with this, credit unions around the world contribute to and support their local communities as not-for-profit financial institutions that give back in the form of low fees and interest rates, financial literacy, and more. Credit unions across the nation “walked the walk” across the country on August 4th by partaking in National Night Out in their communities.

What is National Night Out? National Night Out (aka NNO) is a community-building campaign that promotes police-community partnerships and neighborhood camaraderie with the goal of making our neighborhoods more united and, as a result, safer and better places to live. On this night, neighborhoods across the nation host block parties, festivals, parades, cookouts and other community events with safety demonstrations, seminars, youth events, visits from emergency personnel, and exhibits. The campaign was launched in 1984 by the National Association of Town Watch (NATW), the nation’s premiere non-profit crime prevention organization dedicated to the development and promotion of crime prevention in communities across the country.

Being that credit unions are dedicated to serving their communities, supporting their financial wellbeing, and assisting small businesses (that’s where that  “People Helping People” philosophy comes into play), the National Night Out initiative was a perfect fit.

Credit unions across the country, and some right here in the Garden State, participated this year…

Bay Atlantic FCU – Vineland, N.J.Vineland Police hosted the seventh annual National Night Out in Vineland, N.J. where Bay Atlantic Federal Credit Union participated in the festivities with the community. Volunteers from the credit union handed out goodies as well as valuable identity theft information, and shared the credit union difference. NNO goers of all ages got a chance to spin the Bay Atlantic FCU wheel to win fun prizes.

Find Bay Atlantic FCU on Facebook to view their NNO photos.

Jersey Shore FCU – Southern New Jersey
Jersey Shore Federal Credit Union participated in National Night Out in three communities in Southern New Jersey. Egg Harbor Township, Galloway Township, and Middle Township National Night Out events included Jersey Shore FCU representatives who distributed giveaways and had fun games for members of the community to play.

Find Jersey Shore FCU on Facebook and Twitter to see more of their NNO pictures.

New Jersey Credit Union League – East Windsor, N.J.
The New Jersey Credit Union League, the state association for New Jersey’s credit unions, represented N.J. credit unions and interacted with its local community of East Windsor, N.J. for NNO. League staff members shared the benefits of credit union membership as well as identity theft prevention tips with NNO goers.

National Night Out attendees were encouraged to take a spin on the ID theft trivia wheel to test their knowledge and win several prizes. Adults and children, some even toddlers, took a shot at ID theft questions, though everyone was a winner. Attendees won beach balls, glow sticks, and temporary tattoos as well as brochures on the credit union difference and tips for preventing identity theft.

More photos are available on the Banking You Can Trust Facebook page. Also, check out the Banking You Can Trust campaign on Twitter.

And in other areas of the country…

Downey FCU – Downey, CA
Downey, CA held its 3rd annual National Night Out this year and among the various supporters was Downey Federal Credit Union (DFCU). DFCU attends NNO every year in their local community to educate the community about financial topics, such as credit card fraud, predatory lending, how to build credit, good savings habits, the credit union difference, and more.

Click here for more about DFCU at NNO. Find them on Facebook and Twitter.

Point West CU – Portland, Oregon
Point West CU hosted their member appreciation day in conjunction on August 4th giving out goodies, grilling up a free BBQ, and handing out popcorn. The member appreciation day festivities continued on into the Lloyd District in Portland, Oregon National Night Out, where the Point West CU booth had some goodies.

Find Point West Credit Union on Facebook and take a look at their photos from the event.

How to Stand Out and Land a Job After Graduation 

By: Daniel Jacinto

The day all college students work hard for is quickly approaching for some like myself. Between hustling and bustling through the last few classes you have, signing graduation forms, and ordering the cap and gown, this big moment in your life just passes by and leaves you with one mission…to find a job.

In this economy, jobs are still hard to find, but not impossible for a recent college grad. There’s a lot you can do to simplify the job hunt and make yourself stand out as a candidate for the job. I’ll be sharing with you some tips and ideas that will help you stand out when on the job hunt.

Don’t wait – begin your search right after you graduate.
I don’t mean literally beginning your search right after you graduate. Take the time to celebrate a great accomplishment in your life and then switch the focus to finding your ideal job.

Be proactive.
Create great résumés with all of your work experience, yes, even the one at McDonald’s. Jobs like those teach valuable customer service and multitasking skills, two great skills that many professions require. Be sure to also create a cover letter. Don’t forget to follow-up on the application a week or two after applying!

(Note: When creating a cover letter and résumé make sure to have them all tailored to the specific position you are applying for. DO NOT send out a general copy to every position you apply for.)

Check out some example résumés for any industry here. Click here for some cover letter examples.

If you’re the tech-savvy or artsy type, create a professional Web site! Creating a Web site for yourself is a great way to express yourself, makes it look like you keep yourself busy, and makes it easy for job hirers to get to know more about you…and it isn’t expensive! Domain names for your Web site are very cheap and easy to find with a quick search. There are also Web site builders online such as www.wix.com that make creating a Web site seamless, and the best part is that they are FREE. Some Web site builders include a domain name with their “build-your-own-Web-site” service (www.1and1.com) for a great price.

On your Web site, you can display any of your professional work, an online résumé, some video content, and an “About Me” page. If you’re a writer, you may want to include a blog section on your Web site or create your own blog on www.wordpress.com.

Be sure to create a professional e-mail address, of which you can create for free on either Google, Yahoo, etc. Make sure your voicemail message is professional, too.

Create Networks
Create professional social media accounts and make sure that there aren’t pictures of you from Spring Break three years ago. LinkedIn is a great social media platform that allows you to follow and network with leaders.

Attend networking events, whether they are at your college campus or in your town. Create business cards for these events that include your social media pages, Web site, and of course, contact information.

Having a hard time networking? Try contacting any of your past internships or jobs and see if there are any places they can lead you to start networking. Don’t be afraid to use your college career center also; it’s what they are there for!

Time For The Interview
Once you get the e-mail or phone call back with the good news after applying for a position it’s time to prepare for the interview!

“Practice makes perfect.” We all know that. But it is essential when preparing for the big moment that is the interview. You should practice some common interview questions found here. Be honest in your responses and make them concise! Be calm, cool, and collected when on the interview and you will do well!

While you practice, you also want to educate yourself on the company. Browse their Web site, social media pages, online news, and online videos. Be sure to familiarize with some of the notable people at the company through their Web site.

Pick out yourself a nice professional looking outfit. Also bring a portfolio of any work you may have, especially your best. Your self-presentation is very important; you’ll need to make yourself a memorable candidate for the employer.

Finally, you’ll want to think of some questions of your own to ask the interviewer. Questions that came to mind while you were researching the company applied for, or just specific questions about the job at hand. Click here for some example questions.

Post-Interview
Alright…now that that’s over, it’s time to reinforce your candidacy for the position. To do this you should send a follow-up e-mail once you get home from the interview. You should thank the interviewer for his/her time and tie what was discussed into something that you can bring as a benefit to the company. Use this example as a guide to the follow-up e-mail.

Follow-up on the e-mail (if you didn’t receive a response) with a phone call a week or two later to check on the status of the position. If you are persistent, yet patient in your efforts, employers may decide on you as the right candidate. So… be patient, it takes time…decisions like these aren’t made in an instant.

“I didn’t get the job.”
If you did get the job, congratulations! (But if you didn’t) Unfortunately, sometimes it may not work out the way you want it to. But that’s okay. While on the job hunt, you should be sending out various applications for positions elsewhere instead of hoping on one to hire you. Take this moment to ask for some feedback and reflect on it. Never give up!

If you don’t have much experience in the industry you are entering, try looking for some internship opportunities. Just because you are a college grad does not mean you can’t apply for internships. Internships are a great way to get your feet wet and may even land you a full-time job if the company is interested in you. There are even internships that give you a short spell as an intern and hire you upon completion of the program.

About me
My name is Daniel Jacinto, I’m a senior at Kean University (Ocean Campus). I’ll be graduating Spring 2015 with a Bachelors Degree in Marketing. To see my own professional website check out my website by clicking here built using www.wix.com.

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