Press Release: New Corporate Office is Now Open!

Press Release

2016 New Corporate Office Opening - June Staff Photo

Pictured above: First Financial staff in front of their new corporate office that is now open!

First Financial Federal Credit Union’s new corporate office is now open (www.firstffcu.com) and located at 391 Route 9 North (next to the Howell Park & Ride) in Freehold, NJ 07728.

The credit union’s new corporate office is located on the same property as their newest branch which opened in early 2015, the Freehold/Howell Service Center (389 Route 9 North).  This branch now serves about one third of the credit union’s nearly 19,000 members.

This new corporate office boasts two stories, spans 20,000 square feet, and has the same modern design as First Financial’s newest branch directly in front of it.

In regard to the credit union’s new corporate location, Issa Stephan, First Financial’s President/CEO stated, “We are dedicated to Monmouth and Ocean county residents and businesses, and we were fortunate enough to be able to buy this land on a main highway like Route 9 and build our new corporate offices. The new building will provide enhanced operational efficiencies that will help us to grow and evolve to keep pace with our members’ needs.  The corporate location represents our commitment to our members and our investment in Monmouth and Ocean counties to deliver a member-centric approach to banking.  This is a win-win-win for New Jersey, for our First Financial employees, and for our members.”

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About First Financial Federal Credit Union:

First Financial Federal Credit Union (formerly Mon-Oc Federal Credit Union) is a not-for-profit financial cooperative whose goal is to provide the highest level of quality products and personalized services while maintaining financial integrity and stability.  Our vision is to be a long-term financial partner with our Members. While First Financial has a highly trained, professional staff using the latest technology, we also pride ourselves on our personal touch. Unlike huge banking conglomerates, policy setting and overall strategic direction of First Financial are overseen by a volunteer Board of Directors made up of credit union members. The credit union is federally insured by the NCUA. For more information on First Financial, visit www.firstffcu.com.

9 Hacks for a Perfect Monthly Budget

Pencil on the statement of payroll details

While the word “budget” may want to send some of us screaming in the other direction, creating a successful budget is actually one of the biggest gifts we can give ourselves. It not only helps you out financially, but it does a ton to reduce the day-to-day anxiety so many of us feel when it comes to our finances.

If you’re losing sleep over your monthly finances but don’t know where to begin, here are eleven helpful tips for getting started with a monthly budget.

Grab Your Calculator and Block Out Some Time

Grab your calculator, a pen and paper, and open that Excel doc — and most importantly, block out some time for this. Really figuring out what you spend can take a few hours, and one of the most important parts of this process is simply scheduling some time to do it.

Record Your Take-Home Pay

The first step in any budgeting process is to figure out how much you take home each month. Don’t include anything that automatically gets subtracted, like a 401k or taxes — you just want to know what you actually have in your pocket each month.

Subtract The Essential Expenses

Subtract all of the “essential” expenses you absolutely have to pay each month, like student loans, rent, car payments, cell phone, etc. Take time to really think about every bill that comes in.

Allocate For Savings

You now have the amount of money you can use for personal choices — as in you can literally do whatever you want with it. Things like groceries, clothes, and take out all fit into this category. And in a piece for Nerd Wallet, financial writer Anika Sekar says this is now when you allocate for savings (or “paying yourself first” as some retirement planners put it). She recommended saving at least 20 percent after taxes, which comes to about 12-16 percent pre-tax. If you already accounted for a retirement fund in a previous step, you can factor it into this assessment.

Assess The Numbers

Now is the time when you assess the balance of your numbers. In a piece for the financial site Learnvest, financial writer Laura Shin recommended the 50/20/30 rule of thumb. This system says that no more than half your income should go to necessary expenses, no more than 20 percent should go to savings, and no more than 30 percent should go to everything else. If your ratio is coming off far from this, think about re-balancing.

Get Into The Nitty-Gritty

Now it’s time to break down that 30 percent, “personal choice,” portion of your budget. Figure out all the little things you spend on each month — from coffee, to manicures, to ordering in. It’s important to be realistic during this process.

Make Some Cuts

It’s entirely possible that after completing the above step you realize that you spend way more than your allocated 30 percent on random stuff. This is the stage where you might need to figure out where you can cut some expenses. Maybe it’s making coffee at home, or limiting yourself to a take out order just once a week, or maybe it’s not letting yourself “just pop in” to a store after work because you know you always end up buying something.

Consider A Money Tracking App

If all of this seems overwhelming, consider a money-tracking app on your phone. DailyWorth.com recommended Mint.com, Goodbudget, and Mvelopes as a few of their top choices for personal budget helpers, but you can definitely research around to see which one best suits your needs.

Remember — Treat Yourself Sometimes!

Budgeting doesn’t mean restriction. It just means knowing where your money is actually going. Don’t get overwhelmed at the thought of a monthly budget or think a solid budget is out of reach. Just remember it’s about informed choices so you can enjoy the money you make!

Article Source: Toria Sheffield for Bustle.com, http://www.bustle.com/articles/159271-9-hacks-for-a-perfect-monthly-budget

Learn “Blogging for Business: Content Marketing 101” at this Seminar in November 2015

Fotolia_38223665_Subscription_Monthly_XL-1024x709With organic reach numbers free falling on Facebook, the importance of owning your media vs. renting it, is becoming more and more evident. Blogging is becoming the go-to avenue for “expertise” information on endless topics and enables you to reach a vast target audience. This seminar will teach all attendees the basics of blogging for your business and how you can get started right away!

Attending this seminar, you will learn:

  • What is content marketing and why is it important?
  • Where content ideas come from
  • WordPress basics, favorite plugins, and more
  • How to build your readership and sustain engagement

Join us on Wednesday, November 4th for networking at 8:30am and then promptly at 9:00am for our business seminar titled, Blogging for Business: Content Marketing 101, presented by Deborah Smith, owner of Foxtrot Media, LLC. Cost to attend this seminar is $10. The seminar will be held at First Financial’s Corporate Office located at 1800, Rt. 34 North, Building 3, Suite 302, Wall NJ. Space is limited – Register today!

Deborah Smith is the owner of Foxtrot Media, LLC a Social Media Consulting and Management company. Deborah got her start in social media over 12 years ago when she launched an E-Commerce business which operated a network of websites serving the Nanny Industry. She began employing email groups, chat rooms and online message boards as marketing and networking tools well before the term “Social Media” was ever conceived. When the new tools like Blogs, Twitter, Facebook and LinkedIn emerged, Deborah was an early adopter and soon mastered these tools for her own business. In 2007, she launched her first blog, JerseyBites.com, a collaborative food blog with over 35 contributors throughout the state. JerseyBites now welcomes over 25,000 visitors per month and was recently named content partner to NJ.com for food news in New Jersey. Deborah was also recently named one of 100 Constant Contact local experts in the country. She is an experienced corporate trainer and social media consultant for businesses throughout the tri-state area.

Things to Do on a Budget in Monmouth & Ocean Counties this August 2015

Family-in-PoolHappy summer everyone! As we continue to enjoy the beautiful weather and the fun outdoor activities – here are a few exciting events that you and your family and friends can attend all month long. Remember to get out and embrace the summer fun while it lasts!

Tuesday, August 4: Enjoy a night out to see The Piano Guys at Count Basie Theatre (Red Bank)! What do you get when you mix up a marketing genius who does video, a studio engineer who writes music, a pianist who had a successful solo career, and a cellist who does pretty much everything? The Piano Guys: a miraculous meeting of “guys” with the same intrinsic purpose – to make a positive impact in the lives of people all over the world through music videos. Tickets start at just $35 a person – for more information, call 732-842-9000.

Wednesday, August 5: It wouldn’t be the summer without The Sandy Hook Foundation’s Beach Concert Series. These concerts are free to the public, and each summer thousands of people of all ages come out to enjoy live entertainment on the beach at sunset. Each Wednesday during the summer, come enjoy live entertainment at Sandy Hook’s beach, 8/5’s performer is The Haven. For more information, call 732-291-7733.

Wednesday, August 5 – Sunday, August 9: Get ready for five days of fun dedicated to celebrating Italian heritage and culture at the 39th Annual Italian Festival! The event is free and will take place from 5-11pm at Joe Palaia Park (Oakhurst). There will be Italian cuisine (sausage and peppers and zeppoli), as well as entertainment throughout the festival, including: A&S Sound, Mario Delano Jr., Taylor Tote, Doo Wop Pop Disco, and Eric DeLauro. Enjoy rides, games, raffles, food eating contests and fireworks, which will be displayed at 9:30 p.m. August 7. For more information, call 732-517-1040.

August 6, 13, 20, and 27: Come ready to purchase Jersey’s finest produce and goods at Keyport’s Farmers Market! Shop a variety of fresh produce, honey/beeswax products, pickles, relish, olives, potted plants, and so much more. For more information, call 732-739-5138.

Saturday, August 8Head on over to Keansburg Amusement Park for Hot Rods & Food Trucks! As one of their signature events, attendees can enjoy classic cars and food truck cuisine from 11am-6pm. This family friendly event is a feast for the eyes and taste-buds, so bring your appetite! The event is located right on Beachway, in between the Water Park and Amusement Park. Tickets to the attractions may be purchased at the Park, and there will be free admission for the event. For more information, call 732-841-7732.

Saturday, August 15 – Sunday, August 16: Does anything scream summer at the Jersey Shore more than fresh seafood? Come celebrate the best the ocean has to offer at Monmouth Park’s (Oceanport) annual two-day Shore Chef Crab Cake Cook-Off! Dine on everything from chowder, to lobster rolls, to some of the best crab cakes you’ve ever had. Throw in some live music and the excitement of live, thoroughbred racing and this event will have you hungry for more. The event will be held from noon-5pm. For more information, call 732-222-5100.

Sunday, August 16: Love art? Stop by the 10th Annual Boardwalk Art Show in Asbury Park, sponsored by the Asbury Park Historical Society. This exhibit features fine art, oil, acrylic, watercolor, charcoal, pastel photographs and sculptures! For more information, call 848-667-3432.

Thursday, August 20 – Sunday, August 23: Come one, come all to the 25th Annual Colts Neck Country Fair! The fair will feature food, entertainment, vendors, rides and games. Daily entertainment includes performances by: August 20 – Matt O’Ree Band, August 21 – Moroccan Sheepherders, August 22 – Rock of Ages Band/Constantine Maroulis, August 23 – Slim Chance and The Gamblers. For more information, call 732-462-8500.

Friday, August 28: Come watch the talented Cassadee Pope in Concert at iPlay America (Freehold)! With soaring vocals, opening slots on major tours, impressive sales and being selected for CMT’s Next Women of Country, Cassadee Pope continues to add to her growing list of accolades. Mentor Blake Shelton presented the season three winner of The Voice with another fan-voted honor – 2014 CMT Music Awards’ Breakthrough Video of the Year. She ended 2014 with a Female Vocalist of the Year nomination at the first-ever American Country Countdown Awards. For more information, call 732-577-8200.

Enjoy the rest of your summer!

7 Benefits of a Credit Union Credit Card

FFNJ%208160%20m%20platinum%20card%20designs3-resized-600Here are seven reasons why consumers should consider using a credit union credit card:

1. You’re a member-owner. When you join a credit union you are a member-owner, not a customer, and this means you have the privilege of voting for the board of directors – volunteers who help lead the credit union.