Holiday Credit Card Traps – Beware!


Credit Card Trap, Predatory LendingBeware: Zero interest-rate financing. Store cards with discounts. Cash advances.

As consumers gear up for the holiday spend-a-thon, there are also plenty of opportunities to get into trouble with credit cards. And if you’re not careful, you can find yourself with a lower credit score, high interest payments, and more.

Holiday spending is expected to increase nearly 5% this year, with the average consumer planning to spend $804, according to the National Retail Federation. That can make credit card deals look enticing, and too good to be true.

Deferred interest credit card offers, for example, often surface this time of year, according to Gerri Detweiler, director of consumer education for Credit.com. These offers, often announced as “zero percent interest” or “special financing” promotions, typically give consumers a grace period on interest, sometimes for a year or more.

For a consumer making a big purchase and planning to pay it off within that time, deferred interest plans can be helpful, Detweiler said. But she warned that consumers who leave even a single dollar of charges on the card by the time the deferred interest period is over can be hit with retroactive interest charges on the entire balance they charged.

She had just received a letter from Home Depot, for example, explaining that if she took its deferred interest offer and did not pay it off in full within the specified period, she would be charged interest on all her charges retroactively at a rate of 22.9%. (The store’s website describes a six-month deferred interest offer with interest rates on unpaid balances ranging from 17.99 to 26.99%).

According to CardHub, a credit card comparison website, paying off your credit card debt one month behind schedule or missing a single payment could increase your financing costs by more than 27 times if you rack up charges under a deferred interest plan. The site has compiled a list of retailers offering deferred interest plans with varying degrees of transparency.

Regulators are keeping an eye on deferred interest offers as well. In September the Consumer Financial Protection Bureau issued a bulletin warning credit card issuers against “engaging in deceptive and/or abusive acts and practices in connection with solicitations that offer a promotional annual percentage rate (APR) on a particular transaction over a defined period of time.”

Opening new credit card accounts is another potential pitfall for consumers. Many retailers encourage consumers to take out store cards, often by offering enticements like a discount on that day’s purchases, or by offering a discount if the consumer spends above a certain threshold.

“Some of these offers will be designed to encourage you to spend more,” said Jeanine Skowronski, a credit card analyst with Bankrate.com.

High interest rates

Store credit cards often carry high interest rates. And even an application for a new credit card will appear on your credit report, Detweiler said.

“Every time there is an inquiry into your credit file, that’s a risk factor and that drops your score,” she warned. “If you open three or four new retail cards over the holidays, you can wind up not only with a lot of debt but also a lower credit score. If you know you are going to refinance a house or buy a car, be careful.”

Credit card cash advances are another potential pitfall for consumers. The interest on these is often well above the interest on credit card purchases.

“Stay away from them at all costs,” Skowronski said.

For people who really want to shop with cash, Detweiler recommends an alternative to credit card cash advances: a balance transfer. Consumers can ask a card issuer to deposit cash in their account to be used to pay off another card. Often, the interest rate on that balance transfer cash will be lower, Detweiler said — but usually only for a limited time. After that, she said, “any balances left will be charged a much higher interest rate.”

Of course, there are ways credit cards can be helpful with holiday spending too. For example, consumer protections on credit cards tend to be stronger than for debit cards: consumers are typically only liable for a maximum of $50 if they fall victim to credit card fraud, and as soon as the card is replaced they can use it again. Losses on a debit card are capped at a higher level, and it can take longer for a bank to straighten out an account where there has been fraud.

Credit card price protection promises can also be helpful. These guarantees typically allow a consumer to get a refund if the price on something they purchased drops within a specified period of time. Taking advantage of those guarantees takes discipline, though, as does sticking to a holiday spending plan.

Need to transfer a high rate credit card balance without any balance transfer fees, to a lower rate card? This is possible at First Financial, where our credit card rates are as low as 10.9% APR and we have no balance transfer fees!* And for a limited time – if you are approved for a balance transfer of $5,000 or more to our VISA Platinum Credit Card, you will receive 10,000 bonus CURewards Points! You can apply for the balance transfer by stopping into any branch or calling 866.750.0100 to be sent a balance transfer request form.**

*APR varies from 10.90% to 17.90% when you open your account based on your credit worthiness. This APR is for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. No Annual Fee. Other fees that apply: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. A First Financial membership is required to obtain a VISA Platinum Card and is available to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties.

**Additional bonus points will be reflected within 30 days from the balance transfer approval and can be viewed when signed into your VISA Platinum Card Account online through Online Banking. In order to redeem bonus points, an offer reference must be made to a First Financial representative. Bonus points can only be redeemed one time per member, on an approved balance transfer of $5,000 or greater during the promotional period of 4/28/14 – 12/31/14.

4 Ways to Keep the Grinch from Stealing Your Good Credit

GrinchDuring the holiday season, we’re more at risk for fraud and identity theft as we head out or online to shop. Theft of your credit cards or identity can be devastating to your credit, not to mention your finances and emotional well-being. Not exactly something we want to happen during this joyous time of year, right? Here are some tips to remember as we are holiday shopping.

1. Shop Safe Online

Be aware that just because you can shop in the comfort and safety of your home doesn’t mean you’re not at risk for identity or credit card theft. Stay safe online by entering your credit card number in as few places as possible – use a payment service such as PayPal; shop at reputable websites with names you know and trust; and avoid clicking on links sent to you in email or banner ads that could take to you websites other than where you intended to go.

2. Keep an Eye on Your Cards

When you’re out shopping at a brick-and-mortar store, keep an eye on your credit cards and make sure store clerks are not allowed to leave your sight with your cards in hand. Also, pick-pocketers are common this time of year, so make sure to keep your valuables safe when you are in public.

3. Check Your Statements

Checking your bank and credit card statements regularly – even as often as every day – is a great habit to start now, if you don’t already do it. This time of year, when you’re more likely to have increased activity on your accounts, it’s especially important to review them carefully and thoroughly. Get signed up for online access so you don’t have to wait for paper statements to arrive. If you see anything questionable, you can act on it right away and resolve any problems. You can also sign up for alerts to notify you whenever a purchase goes through.

4. Check Your Credit Reports & Credit Scores

The end of the year is also a great time to pull your credit report and/or get your credit score and compare it to your last one. Check your credit reports for any incorrect or unfamiliar information, inquiries, or credit accounts. Report any suspicious or wrong information to the creditor and the credit bureau. You can pull your credit reports for free every year from each of the three major credit reporting agencies on AnnualCreditReport.com, and you can see two credit scores for free on Credit.com.

With these four simple steps and by being smart and aware of your surroundings, you can help keep yourself, your identity, and your credit safer from the Grinch. Cheers to a happy holiday season!

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. 

**Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Article Source: Jeanne Kelly of Credit.com, http://www.foxbusiness.com/personal-finance/2014/12/09/4-ways-to-keep-grinch-from-stealing-your-good-credit/

 

8 Tips to Keep Your Holiday Shopping Focused on Saving the Most Money

1211-women-holiday-shopping-lgnWe all love and hate shopping during the holidays, and it’s important to shop both safely and affordably during the season. Here are some ways to stay focused to keep you and your budget in-check this holiday season!

The National Retail Foundation’s annual survey shows that holiday spending is at an all-time high.

  • Americans spent 3.8% more in 2013 than in 2012 (to the tune of $601.8 billion total).
  • November and December spending last year totaled 19.2% of annual sales nationwide.

This is our national spending forecast — what we can expect if we “go with the flow.” The good news is, unlike with our local weather forecast, we can change our personal holiday spending forecast if we resolve to do things differently this year!

While it may seem like an oxymoron to attempt to save on holiday spending, experts say it can be done. Here are tips that will help:

1. Coupon for holiday “varieties” of regular household items.

It’s always nice to have holiday-themed paper goods, towels, candles and other festive items on hand for guests and visiting relatives. The good news with these items is that, unlike strings of lights and mistletoe, if you have extras you still can use them all year long.

Here are some ideas:

  • Paper goods: Paper towels, napkins, party plates of various sizes, wrapping paper
  • Plastic goods: Festive flatware, plastic cups (go for one-size-fits-all to save), gift bags, ribbons and bows
  • Tea lights and candles: So long as you enjoy the scents, you can use these all year.

Note: If you dislike using holiday themed items after the holidays, then opt for holiday solid colors (red, green, blue, white, etc.) so if you have extras to use up, they won’t be so noticeable.

2. Consider hosting an in-home sales event to reduce the cost of gifts for everyone.

If you have a friend who is an independent sales rep for a popular line of jewelry, accessories, kitchenware, skincare or scrapbooking supplies, consider hosting a pre-holiday party in your home. You’ll save on gifts and so will your friends — and your sales rep friend will make their holiday quota!

As a party host or hostess, you can expect to receive:

  • Free hostess gifts
  • One-on-one time with the consultant for personalized gift recommendations
  • Deeper discounts on your purchases (Discounts typically escalate with higher totals on party purchases).

Your attendees can expect to receive:

  • Attendee free samples
  • Discounts on purchases

3. If you can’t find the item at the price you want, go ahead and wait it out.

You just never know what the holiday shopping mania will bring. If there’s an item you want but the price isn’t right, don’t buy it.

  • What to do: Wait…chances are the price will not go up before the holidays arrive in earnest, and it might decrease as merchants become more eager to move their holiday inventory.

4. Don’t fall for “door busters.”

A “door buster” is a marketer’s term for a low-priced item that is so enticing, it can bring customers to the store all by itself. But experts caution against assuming that just because an item is advertised at an “all-time low” for that store, do not assume that is the lowest price you can find!

  • What to do: Use your price comparison tools and coupons to “challenge” that price—see if you can find the item for lower somewhere else. Download the “ShopSavvy” app to scan an item and see other prices at surrounding stores!

5. Wait for holiday clearance sales to start.

Traditionally, many merchants begin their holiday clearance sales right before the holidays actually begin. Once the clearance sales start, prices on those items will continue to decline until the inventory is all gone, or the new sales cycle starts.

  • What to do: Research when your favorite merchants will begin their clearance sales (often you can find this by signing up for their email newsletters or following them on social media). Then plan your shopping accordingly.

6. Watch social media for “flash” coupons, deals and offers.

As we become increasingly social media-driven, merchants are using the power of free social media-based advertising to draw in customers.

  • What to do: For items you really want, be sure to follow those merchants on Facebook and Twitter (you can set up your social media accounts so they deliver alerts as they happen to make sure you don’t miss an offer). Also be sure to sign up for Amazon’s Lightning Deals.

7. When asking for price matching, don’t forget about online store offers.

During the holiday crush, many brick-and-mortar merchants rely on holiday sales to close out the year in the black. (Remember, 19.2% of all annual spending happens in November and December!). So not only will many retailers offer price matching guarantees, but often these apply to competitors’ prices both online and offline.

  • What to do: If you see a low price online offer, bring in the proof and ask the merchant to honor it.

8. Sign up for the holiday store credit card and promotional offers.

Nearly 20% of annual purchases are made during the holidays, so the holidays represent a merchant’s best chance to attract new customers and build long-term customer loyalty. So prepare for retailers to compete by offering mouth-watering incentives to sign up for their in-store promotional offers, including freebies with purchase, discounts when signing up for a new line of store credit and more.

  • What to do: Take the offers, discounts, deals and freebies! Pay for what you owe, then stash those cards away until the holidays arrive again (or even better, cut them up so you won’t be tempted).

Need some extra cash for the holidays?  Check out First Financial’s Holiday Loan Special here for the 2014 holiday season! Fixed rate of 10.9% APR – click here to learn more about this limited time offer and apply online today.*

The perfect way to save for your holiday expenses is by opening a Holiday Club Account right here at First Financial! No need to put yourself into debt over holiday spending – simply save ahead and come out on top (and not in debt)!**

  • Open at any time
  • No minimum balance requirements
  • Dividends are posted annually on balances of $100 or more
  • Accounts automatically renew each year
  • Deposits can be made in person, via mail, payroll deductions, or direct deposit
  • Holiday Club funds are deposited into a First Financial Checking or Base Savings Account

*APR = Annual Percentage Rate. Subject to credit approval. Actual rate may vary based on credit worthiness. Maximum 12 month term. A First Financial membership is required to obtain a holiday loan and is open to anyone who lives, works, worships, volunteers, or attends school in Monmouth of Ocean Counties. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. Cannot be combined with any other offer. Promotional period 11/1/14 to 1/31/15. See credit union for details. **A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the Bronze Tier. Click here to view full Rewards First program details, and here to view the Tier Level Comparison Chart. Accounts for children age 13 and under are excluded from this program.

Click here to view the original article source courtesy of thekrazycouponlady.com.

5 Ways to Whip Your Budget Into Shape for the Holidays

Безымянный-2Holiday shopping is officially in full swing – but that certainly doesn’t mean you need to go broke over it. Here are just a few financial tips to whip your budget into shape for the holidays without sacrificing gift giving or your other financial goals.

Reflect on last year. If last year’s shopping season was a budget-busting disaster, then now is the time to learn from your mistakes. Take a look at your holiday bills from a year ago and think about whether your financial situation has improved or worsened since then. Be honest with yourself. Are you really up for a repeat spending performance this year? If not, start thinking about how much you can realistically afford to spend, and make sure it’s reflected in your new holiday budget.

Set a dollar amount. And stick to it! While holiday spending often feels essential, it’s easy to get swept away in the shopping frenzy and end up spending more than you can afford. So before you start shopping, use this opportunity to develop a realistic budget where you designate a specific dollar amount for each item or person on your list. Easily create, manage, and stick to your budget using a free online personal finance management tool that can also help you manage your money on the go.

Track receipts. You’ll need them for returns, price adjustments, and to compare against your credit card statement. Knowing how much you spent will keep you honest and help you plan better for future holiday shopping too. Tally the receipts from all holiday expenses, including gifts, postage, meals, entertainment, and decorations. Assess where you’ve spent and once you’ve completed your shopping list, stop shopping!  More mall or web time can amount to more spending.

Limit your use of plastic. Unless you know you’re good about paying off your credit card balances in full each and every month, leave the plastic at home. Only bring cash you’ve set aside for holiday shopping to avoid temptations for unnecessary purchases. If you must use credit this year and know you won’t be able to pay everything off right away, try this approach: Don’t rely solely on credit; make a plan in which you pay your purchases off completely within two to three months; and limit your credit card use to the card in your wallet with the lowest interest rate.

Did you know First Financial has a lower rate VISA Platinum Credit Card, great rewards, no annual fee, and no balance transfer fees? Apply today!*

No emotional purchases. Let’s face it, if you’re stressed out, you might make some unnecessary purchases. Take the emotions out of your holiday shopping, and stick to your original holiday budget. Having your budget in hand and a game plan for who you are buying for and what you want to buy, can help make the daunting task of shopping a bit more manageable. It’s also worth doing a little online research and comparison shopping before leaving the house, so you don’t get caught up on the hype of the holiday sales.

So why not take a different approach this year? By following some of these tips ahead of time you’ll be able to balance your gift giving and still avoid that holiday debt hangover.

To save for holiday shopping next year, check out First Financial’s Holiday Savings Club Account – don’t put yourself into debt over holiday spending, save ahead and come out on top (and not in debt)!**

  • Open at any time
  • No minimum balance requirements
  • Dividends are posted annually on balances of $100 or more
  • Accounts automatically renew each year
  • Deposits can be made in person, via mail, payroll deductions, or direct deposit
  • Holiday Club funds are deposited into a First Financial Checking or Base Savings Account

*APR varies from 10.90% to 17.90% when you open your account based on your credit worthiness. This APR is for purchases, balance transfers, and cash advances and will vary with the market based on the Prime Rate. Subject to credit approval. No Annual Fee. Other fees that apply: Cash advance fee of 1% of advance ($5 minimum and $25 maximum), Late Payment Fee of up to $25, Foreign Transaction Fee of 1% plus foreign exchange rate of transaction amount, $5 Card Replacement Fee, and Returned Payment Fee of up to $25. A First Financial membership is required to obtain a VISA Platinum Card and is available to anyone who lives, works, worships, or attends school in Monmouth or Ocean Counties.

**A $5 deposit in a base savings account is required for credit union membership prior to opening any other account. All personal memberships are part of the Rewards First program and a $5 per month non-participation fee is charged to the base savings account for memberships not meeting the minimum requirements of the Bronze Tier. Click here to view full Rewards First program details, and here to view the Tier Level Comparison Chart. Accounts for children age 13 and under are excluded from this program.

Article Source:

Holly Perez of Money.usnews.com, http://money.usnews.com/money/blogs/my-money/2014/11/20/5-ways-to-whip-your-budget-into-shape-for-the-holidays

8 Things You Should Do With Your Money Before 2015

Checkbox 3DThe last thing we want to do right now while preparing for the upcoming holidays, is probably think about money. That’s what New Year’s resolutions are for, right? While it’s tempting to put off your finances until the New Year, you might miss some critical financial deadlines or lose the opportunity to save extra money. An end-of-year financial checklist gives you the opportunity to make changes and save before the clock strikes midnight on December 31st.

Here is a year-end financial planning checklist. Use these last few weeks to get your finances organized and under control — a great way to close out 2014.

1. Look over your spending.

Ideally, you’ve been tracking your spending all year. What were your spending patterns? Did you go over or under in a certain category? Take a look at what you actually spent vs. what you had budgeted for. Do you need to change your expectations? Review your financial goals from last year and consider whether they will work for you in the coming year and make the necessary adjustments. If you paid off a loan, see if you can redirect that money into a paying off another debt or adding to a savings or retirement account. Don’t let the money get eaten up by miscellaneous expenses. If you don’t have a budget, start one now. Mint.com, Level and Check are all good free budgeting tools with features to help you create a budget from scratch, track your spending, and set financial goals.

2. Order your free credit report.

You’re entitled to one free yearly credit report from each of the three major credit reporting bureaus: Equifax, Experian, and TransUnion. Get a report now so you know where you stand before heading into the new year. Look over your report and check for errors or negative information. If your credit history could use some improvement, make 2015 the year you get back on track.

3. Get your credit cards in check.

That means checking your balances, rates, and cash back or other rewards. Make a large payment if you are carrying debt and have extra money to do so. If you can’t pay down a chunk of the debt you accumulated this year, create a debt repayment plan that will get it down next year.

If you have a great deal of debt, First Financial has a free, anonymous online debt management tool called Debt in Focus. In just minutes, you will receive a thorough analysis of your financial situation, including powerful tips by leading financial experts to help you control your debt, build a budget, and start living the life you want to live.

4. Make an extra mortgage payment.

Making just one extra mortgage payment each year can cut your loan down by years, saving you possibly thousands in interest. Also, making an extra mortgage payment means you may be able to claim an extra month of mortgage interest deductions in 2014. If you can’t afford an extra payment, try to make January’s payment before the first of the month. If the payment gets credited before January 1, 2015, it may still be tax-break-eligible for 2014.

5. Review your insurance plans.

Look over your health, life, homeowner’s/renter’s, and car insurance plans. Do you need to adjust your coverage, premiums, or add any dependents? Do you need to purchase new coverage, like life insurance or disability? Did you get married, have a baby, or buy a house? Do you have any changes coming in 2015 that you need to plan for? Those life events all trigger insurance changes.

PS: If you answered yes to any of those questions, you might need to make changes to your W-2, too.

6. Automate everything.

It’s time to finally automate your bills and savings. The more you can automate, the easier your finances will be in 2015. Automating helps you pay your bills on time and maintain a regular savings plan. This is also a good time to cancel any automatic subscriptions you aren’t using: video and music streaming, magazines, premium subscriptions, etc.

7. Make a tax-deductible charitable contribution.

If you are going to itemize deductions on your 2014 tax return, consider making a charitable contribution to a cause you believe in. The donation must be made to a qualifying organization and the tax benefit only saves you a fraction of what you donate, but you’ll be supporting a good cause to end the year.

8. Use your Flexible Savings Account.

If you have a Flexible Spending Account for healthcare or other qualifying expenses, now is the time to submit any outstanding claims. This is also the perfect time to make any year-end doctor appointments.

If you get your finances in order at the end of the year, it can only help you get more organized for the coming one!

Don’t forget to stop in to have your annual financial checkup before the year ends, or to kick off the beginning of the new year! Here at First Financial, we encourage our members to come in at least once a year to sit down with a representative at any one of our branches to make sure you are currently placed in the correct Rewards First tier for you, and also that you are receiving the best value, products and services based on your financial situation. Give us a call at 866.750.0100 or stop in to see us today!

Article Source:

Morgan Quinn of Gobankingrates.com, http://www.gobankingrates.com/personal-finance/10-smart-money-moves-make-before-2015/

Things to Do on a Budget in Monmouth & Ocean Counties this December 2014

Family_readingThe most magical time of the year has arrived! With so many fun and festive events occurring this month, it will be hard to pick just a few. Enjoy this special time of year with all of your family and friends – check out the many free or inexpensive activities happening this month in a town near you.

Tree Lighting Ceremonies:

Friday, December 5 & Friday, December 12: It’s a performance of Charles Dickens’ “A Christmas Carol” at the Allaire Chapel (Farmingdale). The production starts at 7:30pm and admission is just $15 per person. Advance ticket purchase recommended – call 732-919-3500 for more information.

Saturday, December 6: Bring the kids to have Breakfast with Santa at Cafe 360 in Downtown Freehold! From 9am-12:30pm, kids can enjoy a great treat while visiting their favorite head elf. Call 732-294-4722 to make your reservations today.

It’s Monmouth County Paper Shredding Day! Monmouth County residents will have an opportunity to get rid of old documents and confidential files safely. Stop by the Wagner Farm Sports Complex at 4 Baird Road, Millstone between 9am-1pm. For more information, call 732-683-8686, ext. 6721.

Thursday, December 11: “Tis the Season: A Holiday Concert,” is an evening of seasonal music of choir, orchestra, and handbells performed in the majestic and festive atmosphere of Wilson Hall at Monmouth University (West Long Branch). The concert is at 7:30pm and conducted by Professor Michael Gillette and Dr. David M. Tripold and features the Colts Neck Reformed Church Exultation Ringers. To purchase tickets and for more information, call 732-683-6889.

Friday, December 12 – Sunday, December 14: Inspired by the classic holiday film, “It’s a Wonderful Life” is performed as a 1940s radio broadcast in front of a live studio audience by the Center Players of Freehold. Featuring onstage Foley sound effects, vintage radio equipment, period costuming and radio commercials, all set to the soothing sounds of your favorite holiday standards. A handful of actors gather on Christmas Eve 1946, to perform the dozens of characters who bring this heart-warming tale to life. Tickets are just $15 a person. For more information, call 732-462-9093.

Saturday, December 13 – Sunday, December 14: American Repertory Ballet brings the magic, beauty, and fantasy of “The Nutcracker” to the stage with Tchaikovsky’s magnificent score, stunning sets, thrilling choreography, and a massive cast to the Algonquin Arts Theatre (Manasquan). Directed by Company Director Douglas Martin, ARB’s professional company will be joined by students from Princeton Ballet School to tell the story of a young girl and how a mysterious gift brings about enchanted dreams and fantastical scenes. Whether it’s your first time, an annual tradition, or an once-in-a-lifetime experience, ARB’s Nutcracker is a perfect holiday treat for the entire family. Various showtimes and prices available online, call 732-528-9211 for more information.

Saturday, December 14: Meet with Santa for an “Old Fashioned Colts Neck Christmas” and enjoy rich history, hot chocolate, candy canes, and other goodies! There will be a tree lighting ceremony and reading of “The Nightmare Before Christmas,” read by Freehold Director, Lillian Burry. This FREE event will take place from 1-4:30pm at the Historic Montrose School, Corner of Cedar Drive & Montrose Road in Colts Neck. For more information, call 732-462-6888.

Friday, December 19 – Saturday, December 20: The classic animated television special, “A Charlie Brown Christmas,” comes to life in this faithful stage adaptation at the Algonquin Arts Theatre (Manasquan) where Charlie Brown, Snoopy and the other Peanuts grapple with the real meaning of Christmas. Enjoy music arrangements that reflect the spirit and mood of Schulz’s work and introduce contemporary jazz to youngsters with grace, charm, and creativity. A Charlie Brown Christmas is a joyous and festive meditation for the holiday season. Various showtimes and prices available online, call 732-528-9211 for more information.

Grab some hot cocoa and popcorn and sit down with the family to enjoy holiday movies all month long! Click here to view the TV schedule for the holiday season.

Happy Holidays to you and yours!