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

How to Plan for Your Child’s Financial Future

Piggybank family isolatedIn this economy and time period, every parent shares a mutual fear. You think to yourself, “What if my son or daughter isn’t financially stable in their lifetime?” You may be nervous that your child will not be able to pay off college loans or purchase a home when they are older. You might also be worried that your child will struggle to meet car payments, or that they won’t be able to save up money in case of emergencies or for when they grow older.

Read the tips below to learn how you can relieve your fears and help prepare your children for their financial future.

  • Teach financial responsibility. It’s natural to fear that your children will take on too much debt or be unprepared for financial emergencies when they reach adulthood. But you don’t have to wait until they make a mistake to prepare them to be financially responsible. It’s important to remember that it’s never too early to start talking to kids about money and saving. When your kids are young, you’ll want to start with simple conversations about money (sharing tips about your purchase decisions with them when you shop), and as they get older introducing more complex money matters (such as the value of having an emergency fund and saving for unexpected events).
  • Use an allowance as an educational tool. An allowance is an ideal way to teach about responsible spending and saving. Provide your children with the opportunity to save and spend their allowance as they please (with some guidance). This flexibility will allow them to learn early on that spending money as fast as they earn it can have consequences. Depending on the age and maturity of your child, you may choose to share with them a financial mistake you made in the past and how you recovered from it.
  • Plan for college. As college tuition increases, many parents worry about how their children will afford to attend, or how you as a parent can possibly save enough to pay for your child’s college education. As parents, consider beginning to save into a 529 Plan early in your child’s life. When it comes time to make college decisions, help your child evaluate the tuition and other college expenses (travel home, club dues, entertainment costs, etc.) for each college he or she is considering. Make sure to educate yourself on current student loan lending practices and options and help your child determine a realistic amount of student loan debt he or she can take on if necessary.
  • Prepare for life’s big purchases. Even for young adults with a responsible mindset, a lack of financial knowledge can be detrimental for large purchases like a car or home. As a parent, you can offset this concern by being open to discuss these things as your child grows older and begins managing their own money.
  • Reframe your money mindset. Changing the way you think about money can go a long way to alleviating your financial fears for your children and, at the same time, help your children learn to make smart financial decisions. The real question you should ask isn’t, “Can we afford this?” but rather, “Do we need this, and if so, is this the best deal we can get on it, and should we wait and buy it when we have saved the money for it?” These may seem like small differences, but they aren’t. How our children think about money will make a huge difference in their ability to wisely manage it and consequentially will have a huge impact on their quality of life.

Visit First Financial’s website resources tab to view a list of free financial calculators and resources that you and your children can utilize to help save for college and future big ticket purchases like a car, home, and how to save money.

Join us on Thursday, August 7th, for First Financial’s free seminar on this very subject – teaching your children about finances. The seminar will be held at the credit union’s Wall Office on Route 34 at 6pm. Space is limited so we recommend that you register beforehand.

For more information and to register online, click here.

 Article courtesy of Daily Finance Online, by Michele Lerner

First Financial Holds Groundbreaking Ceremony for Freehold/Howell Service Center

Press Release

2014-06-24 10.47.50 2014-06-24 10.56.43

Pictured above, left photo: The First Financial Board of Directors and staff prepare to cut the ribbon to commence the groundbreaking of the credit union’s newest branch alongside Gordon Holder (Board Chair, center) and Issa Stephan (President/CEO, far right).

Pictured above, right photo: Howell Township officials attend the ceremony. From left to right: Paul Schneider (Howell Planning Board), Issa Stephan, Jeffrey Filiatreault (Township Manager), Town Councilman Robert Walsh, and Gordon Holder.

First Financial Federal Credit Union (http://www.firstffcu.com/) held a groundbreaking ceremony on June 24, 2014 at the site of the credit union’s soon to be newest branch at 389 Route 9 North (next to the Howell Park & Ride) in Freehold, NJ 07728.

2014-06-24 10.58.46

Pictured above: Some First Financial Corporate Office staff with Issa Stephan and Gordon Holder.

In attendance were several Howell Township officials including Township Manager Jeffrey Filiatreault, Councilman Robert Walsh, Paul Schneider of the Howell Planning Board, along with Howell Chamber of Commerce Executive Director Susan Dominguez, the First Financial Board of Directors and Supervisory Committee, President/CEO Issa Stephan, realtor Marshall Kern, builder Mitch St. Lawrence, and members of the First Financial Corporate Office staff.

The ceremony kicked off the construction of the credit union’s newest branch, which will be a primary banking location for approximately a quarter of the credit union’s 20,000 members. First Financial’s newest branch will feature many important banking conveniences such as a drive thru, drive up and walk up ATMs, and more.

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Pictured above: Issa Stephan and Gordon Holder showcase the First Financial Member Experience.

Brief remarks were made by Issa Stephan and Gordon Holder at the ceremony. In regard to the building and future opening of the credit union’s latest branch location, Mr. Stephan stated, “We look forward to bringing the Howell and Freehold community a high-tech banking facility featuring modern convenience. Member experience is extremely important to us, and our first priority is achieving our members’ financial dreams by defining their financial goals and lifestyle, empowering them with financial education, helping them to plan their retirement, and more – and our newest branch will be a key vehicle in helping us to fulfill this promise with our membership.”

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Pictured above: Some of the First FInancial Board of Directors and Supervisory Committee from left to right – David Graf, Laurita Carr, Issa Stephan, Gordon Holder, Elizabeth White, Karen Fiore, and Catherine McLaughlin.

More photos from the ceremony are available by following First Financial on Facebook at www.facebook.com/firstfinancialnj.