Learn About Home Buying, Improvement, and Insurance at this Seminar in March 2014

sold-homeThere are a lot of uncertainties that arise when it comes to buying, selling or renovating a home: if the market is right, how to choose a realtor, how much to budget for, home insurance, and improvement project costs, are just a few of them. You don’t want to miss this opportunity to gain insight on the best way to move forward with your home buying/selling process.

At our upcoming consumer seminar, attendees will learn:

  • How to go about buying a new home and the best way to sell your current home.
  • How to figure out how much house you can afford.
  • Budgeting tips for home improvement projects.
  • Features and benefits of home insurance.
  • And so much more!

Join us on Wednesday, March 19th at 6:00pm for our “Home Buying, Improvement, and Insurance” Seminar, presented by the experts at First Financial and Liberty Mutual Insurance. The event will be held at our Toms River branch at 1360 Route 9 South (Corner of Routes 9 & 571), Toms River. Space is limited, so make sure you sign up today!

Register Now!
*Please note that this seminar is free of charge for First Financial members to attend. The seminar is open to non-members of the credit union to register and attend, however a $15 fee payable by check or cash will be collected at the seminar and credit union membership will be confirmed for all in attendance at the seminar. Should a non-member wish to become a First Financial member after attending the seminar, $5 will fund their membership deposit and be kept in their base savings account upon membership opening, and the other $10 will go to the First Financial Foundation for scholarships and classroom grants.

Give Your Home a “Green” Face-Lift

House and Recycle SymbolAre you ready for a change and looking to give your home a face-lift? Choose earth-friendly materials that double as safety precautions and save you money!

1. Cotton fiber insulation: Made from recycled blue-jean scraps; soft and safe to handle; 100% recyclable. Safety perks: Treated to resist fire; no formaldehyde or other chemical irritants; no itch.

2. Natural linoleum: Long lasting and recyclable; no glue required for click-in-place installation. Safety perks: Asthma- and allergy-friendly; dry- dusting prevents allergen accumulation.

3. Cool metal roofing: Saves up to 40% on cooling energy costs; lasts two to three times longer than conventional shingles. Safety perks: Resistant to hail, wind and fire.

4. Energy-efficient windows: Reduce heat loss and cooling costs. Energy Star windows lower energy bills 7-24%. Safety perks: Laminated glass reduces outside noise and stays in place if broken.

5. Mold-resistant wallboard: Gypsum wallboard with a moisture- resistant core reduces risk of mold and avoids wasteful replacement. Safety perks: Helps keep indoor air quality healthy.

For more green remodel info: www.buildinggreen.com, www.greenerchoices.org, www.regreenprogram.org

For more information and to see how Liberty Mutual Insurance can help you save, contact our Liberty Mutual representative Dan Ressegiue, or visit our webpage for additional details:

AgentDanielRessegiueDaniel Ressegiue

303 West Main Street | Suite 100
Freehold, NJ 07728
732-308-3868 Ext. 50950
Daniel.Ressegiue@LibertyMutual.com
www.LibertyMutual.com/DanRessegiue

Daniel graduated from The Pennsylvania State University majoring in Psychology and business and is currently finishing an MBA at Monmouth University. During his tenure at Liberty Mutual, he has been awarded many awards including National Rookie of the year special recognition, 5 Time “Pacesetter,” Pursuit of Excellence and is a Liberty Lamplighters Club inductee. During his spare time, he enjoys staying active playing soccer, racquetball and partaking in long distance running competitions.  He is also a member of Jersey Shore Runners Club, Penn State Alumni Association, as well as SCORE, a nonprofit entity dedicated to the mentoring of small business owners. *First Financial Federal Credit Union Client #38361

Article Source: Liberty Mutual Insurance

The Impact of Energy: It’s Easy Being Green

go-green-logo-color2Have you let the Green Revolution, that fundamental shift toward an earth-friendly lifestyle, pass you by? Here are a few simple ideas you can use to help conserve energy and other resources: Replace ordinary light bulbs throughout your house with compact fluorescent light (CFL) bulbs. A four-pack goes for about $15. Pricey, sure. But each CFL can save more than $30 in electricity costs over its lifetime, compared to an incandescent bulb. A CFL can also save 2,000 times its own weight in greenhouse gases.

  • Install water-saving shower heads. You’ll not only conserve water, but you’ll also save the energy that would have been used to heat the water.
  • Get rid of appliances that are more than 10 years old. Replacing your ancient refrigerator with a new, energy-efficient model, could save you as much as $150 a year, according to the Environmental Protection Agency (EPA).
  • Cut down on global warming – reduce the amount of plastic you use. Each year, Americans throw away roughly 100 billion polyethylene plastic bags; processing and burning all that plastic is a primary contributor to global warming. Recycling plastics is one of the best ways to combat the phenomenon.

For more information on how you can make a difference in the move to a green culture, visit the EPA’s online newsletter, Go Green!, at www.epa.gov/newsroom/gogreen.

For more information like this and how Liberty Mutual can help, feel free to contact our Liberty Mutual representative or visit our webpage:

Daniel Ressegiue | 303 West Main Street | Suite 100 | Freehold, NJ 07728                    | 732-308-3868 Ext. 50950

 Daniel.Ressegiue@LibertyMutual.com | www.LibertyMutual.com/DanRessegiue

AgentDanielRessegiueDaniel graduated from The Pennsylvania State University majoring in Psychology and business and is currently finishing an MBA at Monmouth University. During his tenure at Liberty Mutual, he has been awarded many awards including National Rookie of the year special recognition, 5 Time “Pacesetter,” Pursuit of Excellence and is a Liberty Lamplighters Club inductee. During his spare time, he enjoys staying active playing soccer, racquetball and partaking in long distance running competitions.  He is also a member of Jersey Shore Runners Club, Penn State Alumni Association, as well as SCORE, a nonprofit entity dedicated to the mentoring of small business owners. *First Financial Federal Credit Union Client #38361

Article Source: Liberty Mutual Insurance

Introducing Our New Home Improvement Loan!

Outdoor-Patio-DesignsLooking to put in a new deck or pool? Redesign your kitchen? Add a new roof, siding, or windows? First Financial’s Home Improvement Loan is designed to help you create the home you’ve been imagining. So it’s time to move your “wants” to the top of your to-do list, even if you have little to no equity.

Enjoy the great, flexible features of our Home Improvement Loan*:

  • Great Rates
  • Borrow up to $250,000
  • Loan to value ratio up to 133%
  • Fixed Monthly Payment
  • Up to $7,500 unsecured/over $7,500 mortgage-secured
  • Up to 10-Year Term
  • No Pre-Payment Penalty

Apply for a Home Improvement Loan online, stop by any branch and inquire within or call us at 866.750.0100.

*Available on primary residence only, subject to underwriting guidelines. Subject to credit approval. A First Financial membership is required to obtain a home improvement loan and is open to anyone who lives, works, worships, or attends school in Monmouth of Ocean Counties. See credit union for details.