Important Update on First Financial’s Response to COVID-19 in Our Area

March 19, 2020

Effective beginning Monday, March 23, 2020 all First Financial branches in Freehold/Howell, Neptune, and Toms River will be operating using Drive Thru and ATM services only during our regular business hours. All branch lobbies will be closed to walk-in visitors until further notice.

Please know this decision did not come lightly. Our senior management team has weighed each and every scenario, and ultimately made the decision that practicing our New Jersey governor’s recommendation of social distancing and limiting face-to-face contact is in the best interest of our staff, membership, and the local community.

We will still do everything we can to meet your banking needs during this difficult time. Our Member Relationship Phone Center will be available to take your calls during regular business hours of Monday-Friday 8am to 6pm, and Saturday 9am to 12:30pm.

We will continue to schedule in-branch visits for loan closings, account openings, and the Investment & Retirement Center by appointment only during regular business hours. Please call us at 732.312.1500 to schedule an appointment at your nearest branch.

As always, you can access your First Financial accounts through the electronic banking services we have available:

Despite this inconvenience, we continue to remain committed to serving you and your family with as little service disruption to your banking experience as possible.

Should you have any questions or concerns during this unprecedented time, please contact our Member Relationship Phone Center at 732.312.1500.

Thank you for your understanding and be well,

 

 

 

 

Issa Stephan
President/CEO
First Financial Federal Credit Union
732.312.1500 – Local Callers
866.750.0100 – Out of Area
www.firstffcu.com

Small Business Spotlight: MOCEANS Center for Independent Living

We are pleased to present a blog post which features one of our current businesses, how they got started, and how First Financial has helped them grow their business. If this inspires you to want to expand your business goals or see how First Financial can assist you further, feel free to reach out to us. Keep reading to learn more about our featured Business of the Month, MOCEANS Center for Independent Living in Long Branch and Toms River. 

Judyth Brown: Executive Director of MOCEANS Center for Independent Living

Tell us a bit about MOCEANS. We are the community hub for people who live with disability. We have a Monmouth County office in Long Branch, and an Ocean County office in Toms River. I used to say that we were like the guidance counselor for life after High School, but that metaphor only works if your guidance counselor is also a neighbor who has a disability. We’re the go-to place to find answers, solve problems, get access to support and services, peer support and advocacy. 50% of our staff are people who live with a disability, so we know about the obstacles and challenges that disability imposes on everyday living.

What are some of the keys to your success in growing the organization?
For me it’s really been about returning to our mission (providing information, instruction and support for people living with disability, their families, friends and allies in the community. Also promoting public awareness and barrier-free access in the community while supporting individual choice, advancing the independent living philosophy, promoting the civil rights and inclusion of all people living with disabilities). MOCEANS has been working for 30 years and the original need is just as pressing as it ever was. We’ve seen progress, sure, but we’ve also seen new challenges develop. So, we’ve turned back to our original mission to find ways to make our responses more relevant.

Tell me about your goals for MOCEANS, what does the future hold?
We’re dedicated to reaching people across the lifespan. We are primarily a resource for adults, but we want to be there at the times of life that make a difference. We’re looking to offer resources that make a lasting difference in people’s lives. So for the foreseeable future we’re looking to support young people in their transition to adult life, and we’re traveling to senior centers to support older caregivers too.

How can members of the local community help to support MOCEANS?
We have social and fundraising events, so we always need hands. We had our first annual Beach Bash this year, it was a fully accessible day at the beach in Long Branch. Volunteer help with events like that are priceless. Of course, we are a 501C3 and monetary donations keep us working in the community. But the most important support the community can render, is to be sure that anyone who needs assistance gets our number. Our services are free of charge and confidential.

What do you like most about First Financial FCU? I like the feel of a home town bank, First Financial is clearly invested in the welfare of the community. You support financial literacy with more than words, you go out to make sure that young and vulnerable people have the resources they need to manage their financial life, and that really speaks to me.

To learn more about MOCEANS and how you can help support the organization, visit their website at https://www.moceanscil.org/ 

Ready to grow your business? Call the Business Development Department at 732.312.1500, email business@firstffcu.com or stop by any branch location. Learn more about our Business Account products and services on our website.

Small Business Spotlight: Aspire Digital Marketing

We are pleased to present a blog post which features one of our current businesses, how they got started, and how First Financial has helped them grow their business. If this inspires you to want to expand your business goals or see how First Financial can assist you further, feel free to reach out to us. Keep reading to learn more about our featured Business of the Month, Aspire Digital Marketing.  

Meyer Laniado: Owner of Aspire Digital Marketing 

Aspire Digital Marketing, led by Meyer Laniado, is a digital marketing agency located in Neptune, New Jersey. Aspire helps drive leads from a solid web presence and sees themselves as their clients’ partners in business, dedicated to enhancing growth by matching them with their ideal customers. They combine business strategy with digital marketing to help local businesses meet their goals and grow with custom marketing solutions. Learn more at aspiredigitalmarketing.com.

What is your niche? 
Building brand awareness and generating leads for local businesses.

What is one of your recent success stories? One of our local clients’ Google Business pages recently received 32 phone call leads 28 days, offering them a 10x return on investment. What would an additional 32 monthly leads to your business mean for you?

What do you love most about this business?
Empowering business owners to do what they do best.  We work on increasing awareness and driving leads so businesses can service more of their market.

What are your products/services?
We combine business strategy and branding with digital marketing to drive leads for local businesses. Our branding strategy has been implemented with our team of three superb graphic designers, a creative web developer, an SEO fanatic and a social media ninja.

Our offerings include:

  • Logo Creation
  • Brochures
  • Postcards
  • Banners
  • Infographics
  • Websites
  • Search Engine Optimization (SEO)
  • Social Media Planning and Management

Aspire’s social media programs start at $500/month, and their SEO programs start at $750/month.

What do you like most about banking with First Financial?
Matt and Joe in the Business Development Department! Their personal touch and support has been essential for the growth of our business.

You can schedule a strategy call with Meyer here or contact Meyer directly at Meyer@AspireDigitalMarketing.com.

Ready to grow your business? Call the Business Development Department at 732.312.1500, email business@firstffcu.com or stop by any branch location. Learn more about our Business Account products and services on our website.

First Financial Foundation Awards Classroom Grant to Shark River Hills Elementary School

Press Release

(Pictured Above L to R: Superintendent of Neptune Schools Dr. Crader, Grant Recipient Stephanie Huff, and Principal Williams).

FREEHOLD, N.J. – Shark River Hills Elementary School Pre-K teacher, Stephanie Huff, was surprised by members of the First Financial Foundation with a $500 Erma Dorrer classroom grant for the 2018-2019 school year. Ms. Huff has been an early childhood educator within Neptune Township Schools for 20 years.

Huff submitted a grant application to purchase equipment for the betterment of her students’ gross motor skills. The grant money will be used to benefit the 60 Pre-K children at Shark River Hills Elementary School for years to come. Currently, the school uses equipment from a gym cart – however there is not enough to go around and it was purchased 16 years ago. With the grant funds, Ms. Huff plans to purchase new kickballs, basketballs, foam balls, a hopscotch rug, a mesh tunnel, a bowling set, handkerchiefs and ribbons, a set of scooters, and more.

(Pictured above L to R: AVP of Business Development at First Financial, Grant Recipient Stephanie Huff, and VP of Marketing and Business Development at First Financial).

“We are required to provide our students with 45 minutes of gross motor activities each and every day.  Gross motor skills are defined as the abilities required in order to control the large muscles of the body for walking, running, sitting, crawling, and other activities,” said Huff. “In order to develop and strengthen those gross motor skills, equipment is needed to do so. Fred Rogers, beloved creator of Mr. Rogers’ Neighborhood and dedicated child advocate, poignantly said: Play is often talked about as if it were a relief from serious learning. But for children play is serious learning. Play is really the work of childhood. I can personally attest to the value and worth of play in children’s learning.”

Since First Financial began with a group of Asbury Park schoolteachers back in 1936, the credit union has not forgotten its educational roots. That is why its Foundation offered current Monmouth and Ocean County educators six (6) classroom grants to use at their schools for the 2018-2019 school year.

“Education has and always will be a pivotal piece of our organization, and we’re delighted to be able to help our local educators enhance their classroom experience,” noted First Financial President & CEO, Issa Stephan.

Stephan also noted that the Foundation committee had a tough job of choosing just six winning teachers out of the numerous applications received this year. “We received dozens of heart warming essays and videos from educators hoping to use the grant money to implement or maintain a variety of creative programs in their schools such as flexible seating, virtual reality glasses, book stands and shelving, new classroom cabinets, and interactive books and games – to name a few,” said Stephan. “We wish we were able to reward each and every one of our participants, and after extremely careful consideration we selected the six classrooms in which we felt the grant money would have the largest impact.”

About the First Financial Foundation: Since 1994, First Financial has supported the Monmouth & Ocean communities with the Erma Dorrer Scholarship Program. Today, that program has been extended into the First Financial Foundation to assist charitable organizations of the Monmouth & Ocean County Communities.  The First Financial Federal Credit Union Foundation is a non-profit working to support a variety of community programs and organizations throughout Monmouth and Ocean Counties.  We direct 100% of your contributions to programs because all administrative expenses are paid for by First Financial Federal Credit Union.  To learn more, visit www.firstffcu.com.

Small Business Spotlight: The Best Auto Reconditioning Center in Neptune

We are pleased to present a blog post which features one of our current businesses, how they got started, and how First Financial has helped them grow their business. If this inspires you to want to expand your business goals or see how First Financial can assist you further, feel free to reach out to us. Keep reading to learn more about our featured Business of the Month, Daryl Jackson: Owner of The Best Auto Reconditioning Center. 

Daryl Jackson: Owner of The Best Auto Reconditioning Center

Protect your investment with The Best! Owner Daryl Jackson has been in the car detailing business for over 40 years, and has owned The Best Auto Reconditioning Center since 2011. The Best Auto Reconditioning Center takes great pride in detailing, and recently received a five star rating on Google. Daryl’s shop on Route 35 in Neptune is friendly, knowledgeable, and always has unique smooth jazz playing in the background. Having your car washed and waxed regularly is one of the easiest ways to preserve its paint and keep it looking great! To learn more visit @BestDetailNJ on social media or thebestautoreconditioning.com. 

Owner: Daryl Jackson

Years in Business: 40+ years – 8 owning The Best Auto Reconditioning Center.

What do you love most about the business?

The thing I love the most about my business is making people happy.

What has your biggest challenge been in business?

Trying to respect other detailers and looking out for my customers’ best interest, but also making them understand that I am going to do a great job.

What do you like most about banking with First Financial?

The thing I like the most about banking with First Financial, would probably be how simple it is to do business there.

What is your key to success?

LOVING what I do!

Ready to grow your business? Call the Business Development Department at 732.312.1500, email business@firstffcu.com or stop by any branch location. Learn more about our Business Account products and services on our website.

28 Ways to Avoid Spending Money this Summer

Summer is the most carefree season, but that doesn’t mean you have to relax your budget to enjoy it. There are plenty of free things to do this summer that allow you to make the most of warm weather. If you’re trying to determine how to avoid spending money over the next two months, read the following tips to have the best summer ever, while also sticking to a tight budget.

1. Trade Happy Hours for Backyard BBQs

Host a potluck BBQ at your place and get your friends and family together for some backyard fun. Make it a regular event by rotating hosts so one person doesn’t feel the burden of hosting all the time.

2. Choose a Photo Safari Over Shopping

Plan a photo safari in your town or a nearby city and hit the streets with your smartphone, selfie-ing your way through landmarks with your bestie.

3. Take a Day Trip to a Nearby Nature Area

Get your friends and family together for a day trip to a local nature spot. Whether it’s a mountain, lake, beach or nature trail, experiencing the outdoors for a day can be a really fun experience for all.

4. Enjoy Free Community Activities

The summer represents a great opportunity to enjoy free activities with your friends and community. Free outdoor concerts, art walks, fitness classes and kids’ crafts are all available for free at some point during the summer. Check your city, county or community’s online events calendar for free events and activities. Or, simply subscribe to our First Scoop blog – and receive Things to Do on a Budget in Monmouth and Ocean Counties each month delivered to your inbox.

5. Observe National Celebratory Days

There seems to be a national day of (ice cream, chocolate, donuts, etc) every single day throughout the year. While some are quirkier than others, many restaurants jump on the food-related ones to push their menu and offer free or discounted goodies.

6. Find Free Fitness Classes

Many studios offer a free day or week of yoga to new students, so you and a friend can get these passes and try different classes together without paying anything. Also, some retail stores like Lululemon will offer free yoga classes, and Athleta will offer free classes in yoga, Pilates, circuit training, community runs and more.

7. Enjoy a Free National Park Visit

Just 127 of the country’s 408 national parks typically charge an entrance fee, so find a free one and plan a visit. Admission is typically free at all parks on August 25th to observe the National Park Service’s birthday.

8. Get Free Restaurant Food

Sign up for restaurant e-clubs to get coupons for free appetizers, meals or desserts. When you sign up for Chili’s email club, you get free chips and choice of salsa, guacamole or queso when buying an adult entree. Many of these programs offer free food on your birthday, too.

9. Visit the Library

Your local library is a great resource for borrowing video rentals, video games, e-books and audio books free of charge. A digital platform called Hoopla makes this seamless, so check if your library has it.

10. Sign Up for a Free Movie Screening

You don’t have to be Hollywood royalty to screen a movie before its release date. Enter drawings at Fox Searchlight Pictures, Gofobo.com or SeeItFirst.net to get free tickets to previews.

11. Take Your Kids Bowling for Free

Use KidsBowlFree.com to find bowling centers offering free games for kids ages 15 and under throughout the summer.

12. Attend a Target Community Event

Target hosts no-cost community events throughout the country to give kids and their families a chance to explore cultural exhibitions, concerts and more. For example, Target offers free admission to the Children’s Museum of Atlanta every second Tuesday. Find what’s happening locally to you here.

13. Take Part in a Free Home Depot Workshop

Stores like Home Depot offer free activities, like complimentary weekly workshops for you and your kids – typically on Saturday mornings. Check your local Home Depot or visit their website to get their upcoming calendar.

14. Get Social Media Savvy

Many restaurants, hotels and even clothing retailers now offer free food to people who review, like, follow, check in, tweet, retweet, tag, post pictures and pin. Follow your favorites and start providing feedback or entering their page contests.

15. Check for Free Days at Local Cultural Centers

Take advantage of free days at local museums, zoos and botanical gardens while providing an education and cultural experience for the whole family. Information can usually be found on the institutions’ websites.

16. Request Free Samples From Brands

Most brands are happy to send new customers samples to test out. Just visit the brand’s website to put in a request.

17. Find Free Items on FreeCycle.org

Look for freebies in your community by searching Freecycle.org, where neighbors post free furniture, appliances, clothing, sporting goods and more. What’s one person no longer needs may be a treasure to you, so scope it out and take advantage of the free offers.

18. Host a Book Swap

Get rid of books collecting dust on your shelf by hosting a book swap where you can get new reading material for free. The average mass-market paperback novel costs about $8, so if you read five books this summer, you’ll save $40.

19. Bring Your Lunch

Americans eat lunch out an average of twice per week, spending about $10 each time. Pack your lunch all summer and save approximately $200.

20. Have a Board Game Tournament

Trade a night out on the town for a fun evening at home playing board games. Let each person choose a favorite game, creating a lineup that will keep your group occupied all night.

21. Stop Buying Coffee Out

A 16-ounce grande coffee at Starbucks will cost you around $5. Swap this every weekday habit for a cup of home brew and save $350 this summer. Yikes – it makes a huge difference when you see what buying coffee out every Monday through Friday for 14 weeks will cost you, right? That’s a lot of money!

22. Volunteer for a Local Organization

Giving back to a local organization close to your heart will make you feel rich without spending a dime. Use sites like VolunteerMatch.org to find a cause you’re passionate about.

23. Rearrange Your Furniture

Tired of your home décor but not sure how to avoid spending money to refresh it? Just move the furniture you already have around for a new look — without purchasing anything new.

24. Take Your Furry Friend to the Dog Park

At your local dog park, enjoy watching your best friend get some off-leash exercise. It doesn’t cost a thing to let your pooch run free and bond with other fellow canines.

25. Catch Up With Family and Friends

Catch up with family and friends you haven’t talked to in awhile. Invite those in your area to your home for coffee, or pick up the phone and give those long-distance loved ones a call.

26. Do Your Own Yard Work

Lawn services average $54 per week to cut your grass. Handle this chore yourself, you’ll save hundreds of dollars.

27. Stay Away From Places Where You’re Tempted to Spend

When trying to figure out how to spend less money, avoid certain places, such as the mall – that trigger your urge to spend impulsively. Don’t set yourself up to break your budget.

28. Turn Off the A/C

Air conditioning bills soar during heat waves. Turn your air conditioner off, open the windows and use fans to circulate air (when you can).

Article Source:  Laura Woods for gobankingrates.com