Things to Consider Before Signing Up for 0% Financing at the Car Dealership

0% financing is something you’ve probably heard or maybe have even done before, however - before you sign on the dotted line, here are some important things to consider. What is really your best deal? Undoubtedly you’ve heard about 0% financing offers that many auto dealers often promote. Although they seem to be incredible deals, and are certainly tempting - you should read the fine print and know the facts before you head to your local car dealership. To help you decide if 0% (aka: a low “teaser” rate) is the best deal for you, here are a few facts and restrictions you may encounter: Almost perfect credit may be needed in order to qualify for this offer. You may be required to give up a manufacturer’s rebate. It could mean shorter terms and larger monthly payments. It is usually offered on a limited number of models. You may be limited to dealer stock and not be able to choose the exact vehicle you are interested in. Research, research, research! By using First Financial’s free financial calculators located under the Resources tab at, you will be better equipped when you finally make that trip to the dealership. You may

By |2017-01-04T20:40:42+00:00October 17th, 2016|Business Advice, Lifestyle|Comments Off on Things to Consider Before Signing Up for 0% Financing at the Car Dealership

Cold/Flu Season is Here: What’s Your Prevention Strategy?

Cold and flu are nothing new. Fortunately, medical science has come a long way in understanding them—and yet, these seasonal viruses are a real concern for the average American household. That’s because every year, somewhere between 5% and 20% of the American population are infected with flu. When it comes to the common cold, the numbers are far greater. The average individual comes down with 2-4 colds per year. In the hustle and bustle of daily life, it’s easy to let yourself get apathetic about preventing flu and cold. But once you or someone you love comes down with the virus, you’ll wonder what exactly happened and how it could have prevented. Let’s take a fresh look at cold and flu season, and how parents and families can prevent (or at least limit) these illnesses. When is flu season? The fall and winter months are generally considered to be flu season. The virus, which occurs in various strains, affects most people from December through March in North America. Historically, February is the peak month for flu infections. By April, cases of the flu drop dramatically and remain extremely slow until October. The common cold follows a similar pattern, peaking around

By |2017-01-04T20:40:42+00:00October 13th, 2016|Lifestyle|Comments Off on Cold/Flu Season is Here: What’s Your Prevention Strategy?

Major Medicare Advantage carriers pulling out of NJ for 2017

The 2017 Medicare Advantage and Part D plans are now officially released, it was announced that Geisinger Gold and Amerihealth will not renewing their Medicare Advantage plans and Aetna Value members losing coverage too.  It is estimated up to 25,000 NJ seniors will be getting termination letters this week and will need to find another plan for 2017.  Geisinger Gold is currently partnered up with the Meridian Healthcare system and the Aetna Value plan was a very popular choice these past years for Ocean County members.  It is estimated over 2500 Ocean county seniors will be losing their Geisinger Gold plan and thousands more will be losing their Aetna Value plan.  It is important to note Aetna is working with their members to "map" them over to another plan so this will cause much less disruption than those with Geisinger Gold and Amerihealth.  2017 plans can now be found on

By |2017-01-04T20:40:42+00:00October 3rd, 2016|Lifestyle|Comments Off on Major Medicare Advantage carriers pulling out of NJ for 2017