Sophia Peralta

Hi, my name is Sophia Peralta. I’ve been giving financial advice for more than 10 years. Having worked in an accounting and auditing firm for six years and a bank for the next five, I have picked up a lot of valuable insight from financial experts. And I wish to share personal experiences and the things that I’ve learned about money management through Revenue Loop.
Mortgage loan agreement application with house shaped keyring

The Road to Homeownership Starts with Finding the Right Mortgage Lender

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You want to buy a home, but you may think that you need financing for your mortgage. A lending company such as PRMI Ukiah can provide you with a mortgage and other benefits if they decide to approve your application. But they will not accept anyone’s application without looking at several things. For many prospective homebuyers, these are the first …

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Anode Production: Components and Rising Costs

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Countries leading in aluminum production have lowered production for various raw materials. This has created market deficits and pushed up the price of anodes across the world. Many aluminum producers are encouraged to find alternatives to primary aluminum to keep costs of production at a relatively low level. Anode Production Components Prebaked carbon anodes are anodes designed for aluminum smelting. …

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Water Tank

Types of Resins Used in Rotational Molding

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The success in the manufacture of rotationally moulded water tanks primarily depends on the material used. The material should flow adequately to fill all cavities during the moulding process. It should also be thermally stable to handle the oven temperatures at which it is melted. These characteristics or properties help ensure a durable and polished finished product. Resins play an …

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Rent to Own home

Too Good to Be True: The Pitfalls of Rent to Own Homes

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Renting a home is cheaper than buying one — this is a mentality that persists among many American adults. It is true: the average rental price in all 50 states in America is at around $500-1,500, while the average monthly housing payment plus mortgage ranges at $1,500-2,500. Homeownership offers financial security, however, making it more attractive than renting for the …

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Cluttered garage

A Clutter-Free Life is the Key to Frugal Living

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We’ve been talking about ways to keep home and personal expenses straightforward through a myriad of cost-cutting strategies and smart money management. I now want to offer advice that’s not exactly related to money, but can nevertheless have an impact on a person’s finances: Keep your home free of clutter. Just as a cluttered mind makes it difficult to focus …

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Banking Is a Service: Is Your Bank Up to Scratch?

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Your choice of bank is crucial for your personal finance management and savings growth. When choosing a bank, consider the interest rate for savings accounts, customer assistance services, additional fees, and the availability of online and mobile apps. Let’s take a closer look at these criteria. Interest on Savings Accounts Don’t be swayed by the glossy advertising of most major …

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Couple reviewing their finances

Reordering: An Insidious Bank Practice You Should Watch Out For

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Banks, for the most part, accommodate customers’ personal banking needs and provide perks that encourage saving. On the other hand, they have questionable practices that endanger people’s finances. Reordering is an example of this practice. When people come up to me for bank recommendations, I don’t give a definite answer. Instead, I advise them to choose a bank based on …

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Man climbing the stairs of success

Aim High: Careers that Promise High Salaries

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Everyone wants to become wealthy, or at least have the luxury of not having to worry about paying rent on time, sending the children to a good school, and having enough funds for retirement. Everyone needs to understand, though — teenagers, most especially — that nothing “just happens,” unless you win the lottery for 10 million dollars or some other …

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