2022 Personal Finance Tips

2022 Personal Finance Tips

 

With only a few months left in 2021, many people are now starting to think of ways to improve their personal financial health. Let us help you with some tips on how to stay in control of your personal finances in 2022.

 

Cutting Back On Spending

If you think more money is flowing out of your account than what you put it, then it might be best to review your spending. Check for ways to cut back. A little sacrifice on things that you really do not need can go a long way. For instance, cancel some subscriptions. It can be that newspaper or magazine you rarely read, memberships and services you’re not using, or a streaming service that you only opened a few times. 

 

A Realistic Budget

Budgeting is of great importance when it comes to personal finance. That’s why you should put a lot of thought into creating a good one.

 

Instead of following how other people budget, it’s best to consider your individual circumstances and specific needs. Calculate your essential expenses, such as housing, utilities, groceries, transportation, and health care. From there, you can add other necessary expenses. Then, figure out how much you want to set aside for your emergency fund. In doing this, you realize which are the most important expenses you should prioritize.

 

Attainable Goals

Setting financial goals will help you ensure that you’re only spending your money on necessary things. For some, it means buying a house. Others prioritize planning for their retirement. Whatever it may be, you have to make sure your goals are attainable and realistic. Make sure your salary is enough to cover what you are aiming for.

 

For instance, do not plan on paying off a huge debt that is more than what you earn in a year. Having unrealistic goals will set you up for failure, which can discourage you to make the right financial decisions.

 

Saving Up

If you’re thinking of making a big purchase, then saving up for it is the best thing to do. You can start by including it in your budget. Try to set aside a portion of your income for your savings. Come up with a timeline of when you’ll be able to buy the item with the amount that you’re saving up. Use this as motivation to avoid spending money on unnecessary items.

 

If you face unexpected expenses and you don’t have enough funds, the best thing to do is to find an affordable loan from the ACCESS LOANS™ products. This way, you can have worry-free and reasonable repayments. We offer many types of affordable loans that will help you achieve your financial goals.

 

 

 

Investment

Depending on your budget, you may consider allotting some of your money for investments. There are various investment products you can choose from. Make sure you weigh your options well. Consider the pros and cons of each and decide what is best for your financial circumstances. You can also get help from a financial advisor if you want more insight.

 

 

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NOTICE: This communication and its content are for educational and informative purposes only and should not be used as the basis for any investment decision. The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters. Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security. This information has no regard to the specific investment objectives, financial situation, and particular needs of any specific recipient.  We recommend that you never provide a third party with names, account numbers, or other sensitive information unless you are certain that it has a legitimate business purpose.

 

* ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”).

5 Reasons Why You May Need a Short-Term Loan

 

5 Reasons Why You May Need a Short-Term Loan

 

A short-term loan is a great option to help you deal with unexpected expenses if you have already depleted your savings and emergency funds. Here are some reasons why you may want to consider our * ACCESS LOANS™ loan product.

 

Fast Relief

The approval process is fast. There is no need for you to go through a complicated application. In fact, you can get approved for a loan after completing three easy steps. In most cases, you get the money your need in a week or less. You may even get the funds directly deposited into your bank account. If you qualify, you may even get same-day funding.

 

Transparent Help

Unlike other lenders, we do not charge pre-payment fees. That means, you will be getting the amount you are borrowing. There are no hidden charges.

 

You also do not need to worry about the payment setup. We can help you set up your repayment schedule. Our team can guide you to the allotment process to make payments directly through your payroll.

 

Straightforward Process

As stated earlier, the application process is simple. You can easily complete the form online. You can even apply from any device.?  You do not need to provide any collateral to get approved. All you need to submit for our review and approval are your identification documents. Is this true? I thought that we review the bank statement information. If so, then this statement is misleading.

 

Affordable and Fixed Interest Rates

High interest rates make it harder for individuals to pay off their debt. That is why it is important to find loans with affordable interest rates. However, you should also consider whether the rates are fixed or compounding. If they are compounding, you may end up paying so much more.

Our ACCESS LOANS products offer affordable and fixed interest rates.

 

Help Build Your Credit History

What makes these loan programs ideal is that they do not affect your FICO credit score. You do not need to worry about a negative impact on your credit history when you apply.

 

In fact, paying your loan on a timely basis can even help build your credit history. That is because we report your payments to the top three credit bureaus. These are TransUnion, Experian, and Equifax. While they have different reporting methods, they analyze credit reports to determine your creditworthiness.

 

Since your payments are affordable, it is much easier for you to successfully pay off your debt. Thus, boosting your credit score.

 

If you want to know more about employee loans, contact us.

 

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NOTICE: This communication and its content are for educational and informative purposes only and should not be used as the basis for any investment decision. The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters. Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security. This information has no regard to the specific investment objectives, financial situation, and particular needs of any specific recipient.  We recommend that you never provide a third party with names, account numbers, or other sensitive information unless you are certain that it has a legitimate business purpose.

ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”)

5 Reasons Why Federal Employees Should Seek Special Financial Advice

5 Reasons Why Federal Employees Should Seek Special Financial Advice

 

Federal employees have unique circumstances compared to the private-sector employees. That’s why it’s important to seek specific financial advice catered to your unique retirement needs.

 

Retirement

Preparing for retirement is something that most, if not all, employees do. However, as a government employee, you should plan your finances differently. That’s because your benefits are unique. In fact, some of your benefits are not offered to by private-sector employers to their workers.

 

The Thrift Savings Plan, which is a combination of retirement savings and investment plans, is for federal employees and uniformed personnel. 

 

Generally, there are two categories of retirement benefits for federal employees: (1) The Federal Employees Retirement System (FERS) which covers all government workers who started their federal jobs after January 1, 1987. (2) The Civil Service Retirement System (CSRS) which includes all federal employees who started before 1987 and have chosen not to convert to FERS.

 

Social Security

FERS employees are eligible to receive Social Security benefits. The amount will be based on your annual income, as well as the number of years you have been in service. 

 

You can opt to receive your Social Security paycheck in full once your reach your retirement age. However, you may also choose to delay the collection of your benefits. Another option is to elect to receive these benefits at the age of 62, which is earlier than the retirement age. If you choose this option, you’ll get a lower amount each month.

 

Loans

While everyone has access to loans, certain types of loans for federal employees may not be available to workers from the private sector. An example of this is allotment loans. 

 

These are loans designed specifically with federal employees in mind. They provide affordable, fixed interest rates with manageable payment terms. No collateral is required, and loan payments are deducted from your monthly salary.

 

Insurance

Federal employees are also members of a unique life insurance program. This program is the Federal Employees’ Government Life Insurance or FEGLI. 

 

Most federal employees are qualified for basic insurance coverage. For the premium, the government pays 1/3 of the cost while the employee pays for the rest. You can also increase coverage amounts and add other family members to your plan.

 

Healthcare Plans

Federal employees have many options for healthcare benefits. You can opt for a consumer-driven and high deductible plan. With this, you can enroll in a tax-deductible flexible spending account or Health Spending Account (HSA). 

 

You can choose a fee-for-service plan (FFS) with or without Preferred Provider Organizations (PPO). Another option is Health Maintenance Organizations (HMOs). Federal employees are also eligible for Dental and Vision insurance.

 

 

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NOTICE: This communication and its content are for educational and informative purposes only and should not be used as the basis for any investment decision. The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters. Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security. This information has no regard to the specific investment objectives, financial situation, and particular needs of any specific recipient.  We recommend that you never provide a third party with names, account numbers, or other sensitive information unless you are certain that it has a legitimate business purpose.

Links to third-party websites are provided for your convenience only and you access them solely at your own risk.  We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services.  Your access and use of the third-party sites are governed by the terms of use and privacy policies of these third-party sites.  You acknowledge and agree that we shall not be liable or responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or related to the use of or reliance on any content, goods, or services available through any third-party website or resource. 

* ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”).

 

4 Ways To Check Your Current Financial Position

Important Financial Metrics Everyone Should Know

Metrics can help determine your financial position. But there are ways, such as getting public sector employee loans, to help you stay ahead financially. If you’ve been working hard to exercise good money habits, chances are you want to know your current financial position. Read on to learn what are the vital metrics and how you can measure them.

 

Net Worth

Net worth is easy to measure, and it’s among the most important financial items you should track. If it goes up, you're in a good financial position. Otherwise, it may be cause for concern.

 

In calculating net worth, you will need two values — your assets and liabilities. All you have to do is subtract the value of your liabilities from the value of your assets. For instance, you have $25,000 in your bank account, $60,000 in your retirement fund, and a $250,000 house, the value of your assets is $335,000. However, if you have a $150,000 mortgage and $25,000 worth of debts the value of your liabilities is $175,000 and your net worth is $160,000.

 

Debt-to-Income Ratio

As the name suggests, this financial item refers to your monthly debt payments divided by your gross income. Generally, having a 36% or lower percentage of debt-to-income ratio means your debt is still manageable. 

 

To calculate your debt-to-income ratio, add up your monthly bills and divide the value by your gross monthly income. Your monthly bills may include, house payment or monthly rental, child support or alimony, monthly loan payments such as student and auto loans, credit card payments, and other debts. Your expenses for taxes, gas, groceries, and utilities are not included.

 

It may be difficult to not have debts. However, making smart decisions when it comes to loans can make a significant difference. Consider public sector employee loans with affordable rates offered by ACCESS LOANS™  loan products,.

 

Savings Rate

This metric refers to the percentage of your income that you’re saving monthly. You can use either your net or gross income, but make sure you’re consistent when measuring. Divide your savings by your income. Then, multiply the answer by 100 to get the percentage.

 

While many advisors recommend saving at least 20%, you can opt to save more. However, make sure you’re not sacrificing your quality of life just to maintain a high savings rate.

 

Credit Score

National credit agencies determine your credit score. There are various ways to get your credit score. The score that you get may also vary depending on what scoring system is used. The two systems are Vantage Score and FICO, with FICO being the most widely used.  

 

How to Stay Ahead Financially

Knowing your current financial position is vital. But it’s more important to ensure good financial health not only at present but also for your future.

 

If you’re a government worker, you may want to consider public sector employee loans.   Our loan programs are affordable, and you don’t have to worry about repayment fees.  These loan programs will not affect your FICO score while helping build your credit history.

Did you enjoy this blog? Please review us to help us improve and spread the word. We appreciate your feedback – CLICK HERE ⭐⭐⭐⭐⭐

 

NOTICE: This communication and its content are for educational and informative purposes only and should not be used as the basis for any investment decision. The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters. Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security. This information has no regard to the specific investment objectives, financial situation, and particular needs of any specific recipient.  We recommend that you never provide a third party with names, account numbers, or other sensitive information unless you are certain that it has a legitimate business purpose.

Links to third-party websites are provided for your convenience only and you access them solely at your own risk.  We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services.  Your access and use of the third-party sites are governed by the terms of use and privacy policies of these third-party sites.  You acknowledge and agree that we shall not be liable or responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or related to the use of or reliance on any content, goods, or services available through any third-party website or resource. 

* ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”).

3 Ways to Safeguard Your Financial Health

Maintaining Financial Health: Tips For Federal Employees. Financial health is important for federal employees. Access Loans™ product gives safeguarding tips like getting loans for federal employees and buying wisely.

Financial health refers to your savings, your income, and how much you’re setting aside for your retirement. Read on to find out how to safeguard your financial health as a federal employee.  

 

Saying No To Bad Debt

A debt is not necessarily a bad thing. However, not all debts are equal. There are certain types of debt that can put your financial health and well-being at risk. For instance, there are some organizations and individuals offering unsecured loans. These loans often come with high-interest rates, and you may end up paying so much more.

 

When looking for the best loans, it’s important to look beyond the application process. Aside from having a hassle-free and fast approval process, you should also check other factors. Does it affect your FICO credit score? Will you be charged any prepayment fees? 

 

Among the options that you have, getting a loan as a federal employees is one of the best. They’re not only specifically offered to federal employees, they’re also accessible, convenient, and safe. If you get a loan from our ACCESS LOANS™ products, you can also expect same-day funding that can even help in building your credit history. 

 

Avoid Overpaying for Things

There are many times when you’re overpaying without you realizing it. For instance, buying drinks and food from convenience stores costs more than when you purchase from grocery stores. 

 

To make sure you’re getting the best deals, you have to shop around and compare prices. If you’re using an item a lot, and it doesn’t expire fast, consider buying in bulk. Always check fees, other charges, and interest rates because these can add up over time.

 

Prepare for Emergencies

Setting aside money for your emergency fund can help you prepare for unexpected expenses, such as a serious illness, job loss, or even major damage to your home. Aside from an emergency fund, it would also help to have the right insurance policy. For instance, if you’re renting an apartment, renters insurance may be a good option to consider.

 

If you end up facing an emergency and you don’t have enough insurance coverage or money, then consider applying for an affordable loan for federal employees. With Our loan products, you can even get same-day funding after completing the application process and sign the loan documents, in a few minutes. 

 

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NOTICE: This communication and its content are for educational and informative purposes only and should not be used as the basis for any investment decision. The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters. Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security. This information has no regard to the specific investment objectives, financial situation, and particular needs of any specific recipient.  We recommend that you never provide a third party with names, account numbers, or other sensitive information unless you are certain that it has a legitimate business purpose.

Links to third-party websites are provided for your convenience only and you access them solely at your own risk.  We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services.  Your access and use of the third-party sites are governed by the terms of use and privacy policies of these third-party sites.  You acknowledge and agree that we shall not be liable or responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or related to the use of or reliance on any content, goods, or services available through any third-party website or resource. 

* ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”).

Top 7 Financial Planning Tips For Young Employees

Proper financial planning can help you prepare for your future. For unexpected expenses, enrolling in employee loan programs is a good option. Having a stable source of income can help young employees get started on their road to financial security. However, this journey can be challenging. People working for a long time know the importance of financial planning. If you are new to the workforce, you may not be as familiar. It may just be a concept you have heard before. 

So, how will you get started? 

 

Financial Literacy

Understanding the basics is a must. To properly plan and manage your finances, you have to be financially literate. This is something that many individuals overlook. In the United States, only 57% of adults are considered financially literate.

What you can do is educate yourself. Learn to research. Know more about your finances, such as taxes, debts, loans, and interest rates. 

 

Budgeting

You should also learn how to budget your money. Track all your expenses. Making a list of  all spending may help.

Then, evaluate your expenses. Categorize them into needs and wants. Prioritize your needs. See if there are any items from your wants that you can remove or lessen.

Stick to your budget. Do not overspend.

 

Save Money

Include in your budget the amount you should save. When it comes to saving money, it is best to start young. 

Allot a specific percentage of your income as savings. To prevent yourself from spending it, consider opening a separate bank account. 

 

Employee Benefits

Check for employee benefits available to you. Ask your company’s human resources department about them and how you can enroll. Common examples are health insurance, Health Savings Accounts and gym membership.

Some companies help their employees get low-cost loans through employee loan programs. You may also be eligible to apply for an affordable loan even if your employer does not participate in such a program.

 

Retirement Planning

Even if you are still young, you should be planning for your retirement. Figure out the lifestyle you want to have once you stop working. How much do you think you will need to enjoy it? 

A good strategy is to max out your 401(k) savings options. You can do this through your employer, which means a specific amount will automatically be deducted from your paycheck and will be placed in your 401(k) contributions.

 

Protecting Your Future

Aside from your retirement, you should also prepare for various things. Consider getting insurance, such as  life and long-term disability insurance policies. These will protect you against unexpected expenses in case of a covered peril or situation. It is also easier to qualify, and the rates are cheaper when you buy these insurance coverages when you are young.

 

Emergency Fund

Try to set aside a small amount every week or month for unexpected expenses that may come up. This way, you would not need to use your savings or withdraw from your retirement funds.

If you happen to have an emergency that resulted in huge expenses, consider employee loan programs. SNBNY, for example, offers ACCESS LOANS® low-cost loans for employees facing financial hardship.*

Did you enjoy this blog? Please review us to help us improve and spread the word. We appreciate your feedback – CLICK HERE ⭐⭐⭐⭐⭐

 

NOTICE: This communication and its content are for educational and informative purposes only and should not be used as the basis for any investment decision. The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters. Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security. This information has no regard to the specific investment objectives, financial situation, and particular needs of any specific recipient.  We recommend that you never provide a third party with names, account numbers, or other sensitive information unless you are certain that it has a legitimate business purpose.

Links to third-party websites are provided for your convenience only and you access them solely at your own risk.  We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services.  Your access and use of the third-party sites are governed by the terms of use and privacy policies of these third-party sites.  You acknowledge and agree that we shall not be liable or responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or related to the use of or reliance on any content, goods, or services available through any third-party website or resource. 

* ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”).

Tips For Building A More Inclusive Workplace In 2021

Inclusivity Is Beneficial For Employees And Organizations. 
There are many ways for companies to create a more inclusive workplace. Our loan products provide low-cost loans to employees is one of them.

Creating a more inclusive workplace does not only ensure happier employees but is also beneficial for the company. Companies need to find ways to embrace diversity and ensure inclusivity. 

Embracing Diversity

Generally, diversity in the workplace is the employment of individuals with different characteristics. These include race, gender identity, age, religion, ethnicity, nationality, and education, among others. 

There are many benefits in embracing and promoting diversity in the workplace. Here are some of them:

• Hiring people from diverse backgrounds help you get new and different perspectives to the table. Thus, allowing you to find ways to solve issues and improve productivity.

• You get access to a wider talent pool and attract skilled individuals, especially those looking for progressive workplaces. 

• Getting unique perspectives can lead to more innovative ideas.

• Diverse teams tend to perform better, which can result in bringing higher profits to the company. A study showed that companies with diverse executive boards have a higher return on equity. 

Promoting Inclusivity

While diversity is important for workplaces, it is not enough. Companies should aim for inclusivity.

You have to make sure the office environment is welcoming to every employee. It does not only make you and your workers feel good. It is also a sensible move for organizations in both the public and private sectors. Think of inclusivity as the best way to support a diverse workforce.

If you are thinking of creating a more inclusive workplace in 2021 but do not know where to start, here are some tips that may help:

• Start from the executive team. Make sure officers and executives share the organization’s desire to build an inclusive workplace. They should be open and accepting of people from diverse backgrounds.

 

• Adopt inclusive recruitment strategies. Review your recruiting strategies. Make sure there is no room for discrimination in your hiring process.

• Provide safe spaces. Take an extra step by considering your employees’ comfort and safety. Encourage teams to spend time with one another. Host informal events like team lunches that will allow them to connect.

• Learn to listen. An important aspect of creating an inclusive workplace is listening. You have to be open to feedback.

• Address pay equity. Pay inequality based on gender or race is still happening. Make sure your company implements equal pay for the same quality and quantity of work. 

• Offer resources for all employees. Another way to promote inclusivity is to offer the same resources to everyone. For instance, you can work with a service provider like us, to give your workers access to low-cost loans regardless of their background.

These are only some of the things you can try for a more inclusive workplace in 2021. If you want to learn more about employee or low-cost loans for employees, visit our website. 

 Did you enjoy this blog? Please review us to help us improve and spread the word. We appreciate your feedback – CLICK HERE ⭐⭐⭐⭐⭐

 

NOTICE: This communication and its content are for educational and informative purposes only and should not be used as the basis for any investment decision. The information contained herein is based on publicly available sources believed to be reliable but not a representation, expressed or implied, as to its accuracy, completeness or correctness and it is not a replacement for the guidance or professional advice of an accountant, certified financial advisor, or otherwise qualified professional. No information available through this communication is intended or should be construed as any advice, recommendation, or endorsement from us as to any legal, tax, investment, or other matters. Nothing in this communication shall be considered a solicitation or offer to buy or sell any security, future, option, or other financial instrument or to offer or provide any investment advice or service to any person in any jurisdiction. Nothing contained in this communication constitutes investment advice or offers any opinion with respect to the suitability of any security. This information has no regard to the specific investment objectives, financial situation, and particular needs of any specific recipient.  We recommend that you never provide a third party with names, account numbers, or other sensitive information unless you are certain that it has a legitimate business purpose.

Links to third-party websites are provided for your convenience only and you access them solely at your own risk.  We do not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services.  Your access and use of the third-party sites are governed by the terms of use and privacy policies of these third-party sites.  You acknowledge and agree that we shall not be liable or responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or related to the use of or reliance on any content, goods, or services available through any third-party website or resource. 

* ACCESS LOANS™ products are funded and serviced by Safra National Bank of New York (“SNBNY”).