One of the main challenges immigrants face in the U.S. is formalizing a lease, since property owners often require a series of documents that can turn the search process into a maze.

Examples might include credit scores, proof of income, background checks, and references that many immigrants do not yet have. However, there are proven strategies that make it easier for newcomers to obtain a lease in the United States.

If this sounds familiar, keep reading—we’ll explain in detail how to prepare to rent safely and avoid the typical obstacles immigrants encounter when establishing themselves in the U.S.

What do you need to rent in the United States?

Before you start searching for your next home, you should keep in mind the key requirements for renting an apartment in the U.S. These help the landlord confirm that the tenant is reliable and has sufficient financial solvency to pay rent on time and in full.

Below are the most requested items to sign a lease:

Personal identification

It’s very important to verify your legal identity. Landlords or real estate agents may ask for one or more of the following documents:

• Valid passport.

• Visa or resident card.

• Driver’s license.

• Social Security Number (SSN) or ITIN.

Financial solvency

To demonstrate you have sufficient solvency to cover the monthly rent, you can provide several documents, such as:

• Proof of income, such as pay stubs, tax returns, or bank statements.

• Employer letter or employment contract.

• It is also common to be asked for a security deposit equal to one month’s rent, which serves as a guarantee in case of damage to the property.

Credit history

Reviewing credit history is a crucial step for landlords and agents because it provides reliable evidence of the applicant’s financial behavior.

If you’ve been in the United States for a short time, you may not have a credit history. This article explains simple ways to start building one.

In that case, you may be asked for a credit report from an official agency or a signed authorization to check your credit score.

Local guarantors

If you lack sufficient evidence of solvency, you may be asked for a guarantor, who serves as a backstop if you cannot meet the lease terms.

Such a guarantor must reside in the United States and provide the following documents:

• Government-issued ID.

• Proof of income.

• Good credit history.

Renting in the United States: Process and leasing options for immigrants

Housing options in the U.S. are broad and adapt to all lifestyles, budgets, and immigration statuses.

Rental options you can find in the United States include:

• Furnished houses or apartments.

• Unfurnished houses or apartments.

• Individual rental.

• Shared rental.

Regardless of the type of property you’re looking for, we recommend following these steps to rent a house or apartment.

1. Explore and select the property

Take the time to review all property details and alternatives in different neighborhoods and cities. We recommend searching trusted sites such as Zillow, Realtor, or Apartments.com. Also ask friends or acquaintances who have gone through the process for referrals.

2. Evaluate the offer conditions

Carefully analyze the lease terms, such as price, property description, requirements, and restrictions.

3. Submit your rental application

When you find a home that meets your expectations, submit a rental application with your personal information, references, and authorization to check your credit history.

4. Visit the property

Before signing any contract or paying a deposit, it is essential to visit the property to ensure it matches the listing and is free from maintenance-related deterioration.

5. Submit the required documentation

If after the visit you are still interested in renting the property, the next step is to provide the previously mentioned documents, such as proof of income and government ID.

6. Review and sign the lease

The landlord will review your application and verify your documents. If approved, the final step is agreeing to and signing the lease terms, which set the rental conditions such as duration, cost, rules, and conditions for refunding the security deposit, among others.

Three key tips for a safe, hassle-free first rental

Finding your first rental in the U.S. can be a major challenge due to the number of requirements involved.

Below are some useful tips to help your search pay off as soon as possible.

Research the housing market

Use rental websites to research which areas are more affordable or best fit your lifestyle, ensuring you can cover not only rent but also day-to-day expenses.

Use multiple search methods

Don’t limit yourself to a single method. Alternate among websites, mobile applications, classifieds, and even the help of a real estate agent.

Avoid scams

It’s essential to stay alert to potential scams. Apply these tips and stay safe:

• Make sure the agent or brokerage is registered and has reliable references.

• Do not make any payment before personally visiting the property and having a contract formalized before a notary.

• Use only recognized platforms and portals.

• Be wary of last-minute offers or listings that seem “too good to be true.”

• Avoid using cash when finalizing the rental.

• Review each clause of the contract in detail before signing.

Considerations before choosing a home

Before choosing a house or apartment to rent, it’s important to consider several factors, for example:

• Location:

Location is one of the most relevant aspects when choosing a home. Beyond the city, consider the distance to your workplace and other frequent destinations.

• Neighborhood:

Research the type of neighborhood, safety, infrastructure, recreational areas, community profile, and any other information you consider significant for making a decision.

• Rental cost:

Make sure the rent fits within your means. Create a budget that includes your monthly income and expenses.

Below are tenants’ rights and obligations in the United States.

Payments and deposits

The tenant must pay the monthly rent and the agreed deposit on time. Both payments can be made by bank transfer, bank deposit, or check.

Maintenance and repairs

The landlord must ensure the property is in optimal condition and has all utilities. In turn, the tenant agrees to take care of the premises, keep them clean, and report any defects requiring maintenance.

Tenant legal protections

Tenants are protected by U.S. law against unfair practices, such as:

Refund of the security deposit if conditions are met.

Protection against unjustified or no-notice eviction.

Make your rent payments online safely and conveniently with Común

Renting your first home in the United States doesn’t have to be overwhelming. Take time to learn the most common requirements and consider alternative solutions like those in this article. This way, you’ll see it is possible to open the door to decent housing.

With the right preparation and tools, the rental process becomes much simpler and more accessible.

Rely on Común, a financial platform that addresses day-to-day needs in the United States, with an intuitive mobile app, so opening an account is quick and easy using qualifying official identification from your country of origin. It also makes it simple to send remittances up to the applicable limits to LATAM countries, so your family receives more, with competitive fees.

Discover Común, an excellent option dedicated to serving immigrant communities in the United States, with support available in Spanish.

Open your checking account today with a partner that understands your needs as an immigrant!

Frequently Asked Questions

If you still have questions, check our FAQs.

How much does rent cost in the United States?

The national average for rental housing is around $2,100 USD.

Where is it cheaper to live in the United States?

Cities such as Laredo, Texas, and Toledo, Ohio report the most affordable living costs.

How to Call Guatemala from the United States Easily and Affordably

One of the main wishes of Guatemalan immigrants arriving in the U.S. is to stay in frequent contact with loved ones through efficient and affordable telecom services.

However, confusion is common when dialing because of the codes needed to connect U.S. phone service to Guatemala.

In reality, once you have the right codes, calling Guatemala from the U.S. is quite simple—and this article shows you how.

Below you’ll learn the step-by-step dialing process with examples, plus money-saving options and tips to avoid extra charges.

3 Basic Steps to Dial Guatemala from the USA

First, know the U.S. international exit code—it goes at the very start of the number. 

Here are the basic steps to dial Guatemala.

1) Dial 011 from a landline or “+” from a mobile 

The U.S. international exit code is 011 (landlines). On mobile phones, use the “+” sign.

2) Dial 502 - Guatemala’s country code

The next step is to enter Guatemala’s code, which is 502. Every country has a code that identifies it internationally to connect telephony services. 

3) Dial the 8-digit local number (landlines and mobiles) 

Finally, dial the Guatemalan phone number exactly as it is, whether you’re calling from a landline or a mobile phone.

Keep in mind that the first digit of a Guatemalan phone number indicates whether it’s a landline (2) or a mobile (5).

Here you have some dialing examples: 

• Landline, Guatemala City: 011 + 502 + 2 ### ####
• Mobile, metro area: 011 + 502 + 5 ### ####

Guatemala Prefixes: Identify Landline vs. Mobile

As mentioned in the previous section, the first digit of a Guatemalan number indicates whether it’s a landline or mobile. It also indicates the carrier and the region.

Therefore, before calling Guatemala, identify this digit so you know exactly what type of number you are dialing.

Below is a table with the prefixes to make them clearer.

Number type

Prefix

Example from U.S.

Landline, Guatemala City 

2

011 502 2 ### ####

Landline, Metro Area

6

011 502 6 ### ####

Landline, rest of country

7

011 502 7 ### ####

Mobile, major operators

3, 4 or 5

011 502 3 ### ####

Modern Ways to Save on Calls to Guatemala

It’s very likely that the distance between the United States and Guatemala will make you need to place phone calls more often to keep up with your family and friends.

Fortunately, today’s international calling rates are very different from what they were a decade ago, when callers were charged per minute. That made it difficult to maintain constant communication between families living in different countries.

Today you can choose telecommunications services with far more affordable calling plans, as well as apps that work over a Wi-Fi connection.

Here are some options to call Guatemala easily.

VoIP applications

Nowadays, the easiest way to make calls—both domestic and international—is through VoIP (Voice over IP) apps, which connect over Wi-Fi or mobile data.

One of the most popular is WhatsApp, which has millions of users worldwide and, in addition to calls, also offers video calls, text messages, voice notes, and frequent updates.

Other similar apps available include FaceTime, Google Voice, and Skype.

International plans from phone carriers

Although apps offer a very affordable way to stay in touch, one downside is that call quality depends on the internet connection.

If you need consistently smooth calls, an international plan is ideal. Major U.S. carriers like Verizon, AT&T, and T-Mobile offer international plans with affordable rates.

Prepaid calling cards

Prepaid cards are a more traditional option. They’re best if you won’t be in the U.S. for long, since you only pay for the minutes you need and don’t rely on a phone plan or internet connection.

Bundles with minutes to Guatemala included

Some providers offer low-cost bundles with minutes to call Guatemala. Examples include Rebtel and Boss Revolution.

Tips to avoid extra charges on your calls

The cost of calling Guatemala can end up higher than expected. Here are some tips to keep in mind.

Common dialing mistakes when calling Guatemala:

• Not dialing the full international prefix. 

If you don’t dial the U.S. exit code 011 + Guatemala’s country code 502, the call may not connect or may be billed as a domestic call.

• Adding a 0 to mobile numbers. 

In Guatemala, both landlines and mobiles have 8 digits, so there’s no need to add a leading 0.

• Mixing up the first digit. 

The first digit indicates landline vs. mobile. If you confuse it, the call may fail or connect using another country’s code.

• Not checking your plan or rates before calling. 

Carefully review plan costs and pick the best rates to avoid overpaying.

Tips for immigrants who need to call Guatemala

• Use apps over Wi-Fi whenever possible. 

Mobile apps over Wi-Fi are the most affordable option—just make sure you have a strong signal for smooth calls.

• Confirm the Guatemalan number has 8 digits.

Guatemalan numbers always have 8 digits, whether landline or mobile.

• Compare rates across providers. 

Take time to compare rates and benefits—unlimited minutes, included data, social apps, etc.

Stay connected with your family in Guatemala with Común

Ready to call your loved ones in Guatemala? Remember you need the U.S. exit code, the country code, and the local number. You also learned practical tips to make the process easier.

Staying in touch across borders is essential to bridge the distance. Another way to care for your loved ones is by sending money through fair, secure services.

Discover all the benefits of Común!

• Checking account with clear, competitive fees.
• International money transfers.
• Común’s mobile app available in Spanish and English that accepts 100+ official IDs for account opening.
• Debit card for everyday purchases and payments.

Open your Común account today and complement your calls with a fintech platform that connects and supports you in the U.S.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below.

What happens if I don’t dial 011 or “+”?

Your call won’t be recognized as international, so it may be treated as local or fail with an error.

What’s the cheapest option to call Guatemala?

Internet-based apps like WhatsApp are the most economical option.

How can I tell if a Guatemalan number is landline or mobile?

Landlines start with 2 and mobiles with 5.

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Today, sending money to other countries has become a basic need for millions of immigrants living in the United States.

According to the IDFR ( International Day of Family Remittances) campaign in 2025, over the last decade, immigrants sent around 5 trillion dollars in remittances to their countries of origin, which are essential for food, housing, health, and other basic expenses.

To meet this need, there are applications such as Xoom, a PayPal service for transferring money using various payment methods and in a secure manner.

In this guide, we will review how to send money with Xoom step by step, its main features, and some alternatives to connect with your family outside the U.S.

What is Xoom, and is it safe to send money with this service?

Xoom is a digital transfer network owned by PayPal that operates entirely online and offers different sending options to facilitate transactions.

It has become one of the most popular options for making international digital money transfers, due to the backing provided by PayPal, which gives users a sense of security.

In addition to PayPal’s backing, Xoom has high security standards for transferring money, such as SSL encryption and the VeriSign seal.

Additionally, its services are available to send money from the United States to more than 70 countries, including Mexico, Guatemala, Honduras, Peru, among others.

7 detailed steps to send money with Xoom

To send money through Xoom, just follow the steps below.

Access Xoom (web or mobile application) and sign in or register

You can choose to log in via the website www.xoom.com or the mobile application. Once there, sign in or open an account with your email address. You can also use your PayPal account to access.

Select the destination country and the amount to send

Choose the country to which you want to send the transfer. Then you will see the sending options available for the selected destination.

Choose the sending method

Xoom offers the following payment methods:

• Bank deposit
• Cash pickup at physical locations, such as Oxxo or Elektra
• Mobile top-up
• Bill payment
• Cash delivery

Provide the recipient’s details

The information you must enter is:

• Full name, as it appears on their official ID
• Address
• Phone number
• Bank account (if applicable, depending on the sending method)

Select your payment method

Next, enter the amount you want to send and select the payment method, among which are:

• Linked bank account
• Debit card or credit card
• Available balance in your PayPal account

Review and confirm the transaction

Before confirming the transfer, Xoom will display the details so you can verify they are correct, along with the amount corresponding to fees, as well as the exchange rate used for the currency conversion.

Track your transfer with the tracking number

Obtain a tracking number and check the status of your transfer directly in Xoom’s application or website.

Key aspects to consider when using Xoom

Although Xoom is a popular alternative for making fast and secure transfers, it is important to consider several aspects before choosing this option.

Sending fees

Xoom’s sending fees are not fixed; they depend on the destination country, the amount to send, and the payment method.

Generally, the most expensive method is with a credit card and the least expensive is through an  account.

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Exchange rate

The exchange rate can be another drawback because, in addition to being calculated directly on Xoom’s platform, it varies depending on the selected transfer method.

Sending limits

Xoom imposes sending limits that depend on each account’s verification level. For unverified users residing in the U.S., the daily limit is $2,999 USD. By contrast, verified users can send up to $10,000 or $50,000 USD per day, depending on their verification level.

Receiving options

Xoom has different receiving options, but they may vary depending on the destination country.

In general, it is possible to send money for cash pickup at different payout locations, by bank deposit, top-up, or bill payment.

Security and reliability

Xoom is backed by PayPal, in addition to SSL/TLS encryption to protect your financial information and anti-fraud monitoring to ensure your money reaches its destination.

Delivery times

Generally, money transfers via debit card and cash are reflected within minutes. However, other sending methods, such as bank deposit, can take from 1 business day.

The total time will appear before you confirm your transaction in Xoom’s application or on its website.

Accessibility

Xoom is also available in Spanish and, overall, is easy for migrants in the United States to use.

Modern alternatives to sending money with Xoom: Why is Común a smart choice?

Sending money outside the U.S. is essential, as is having efficient international transfer services such as Xoom. However, there are also more innovative options that offer you greater advantages and lower costs so that your family and friends receive much more.

Común is an innovative and comprehensive financial service that meets the financial needs of users living in the United States, especially immigrants. Unlike Xoom, Común has a specialized focus and transparent fees.

With Común:

• Open your account with an official ID from your country; more than 100 identifications are accepted.
• After your first free transfer, pay a fee starting at $2.99 USD per transfer, up to the applicable limits.
• Access customer service in Spanish and English, available 24/7.
• Get a Visa debit card to make purchases at physical merchants.
• Manage your finances from Común’s mobile platform, where you can sync your external bank account and manage your finances from the Común platform.

Still unsure which option is most convenient for sending money? Discover Común and get to know the easy and safe side of finance.

Frequently asked questions

If you want to learn more, see our FAQ section

How do I send money from Mexico to the United States using Xoom?

It is not possible to send money from Mexico through Xoom, since it only allows transfers from the United States, Canada, and other European countries.

How long does it take for money to arrive via Xoom?

Depending on the sending method, it ranges from minutes to up to 3 business days.

Is it safe to use Común to send money to Latin America?

Yes, Común has the necessary security measures in place to keep your money and personal data safe.

Can I use Común even if I don’t have a PayPal account?

Yes, Común is an independent platform from PayPal, and you can open an account with official ID from your country.

Can I make cash deposits if I don’t have a bank account in the U.S.?

Yes, Común allows you to deposit cash at numerous locations near you.

Sending Money to Latin America? What You Need to Know About the New 1% Tax

If you send money home to Mexico, Guatemala, Colombia, El Salvador, Honduras, or anywhere else in Latin America, a new federal law may affect the fees you pay per money transfer, depending on how you send it.

On July 4, 2025, the United States enacted the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, which introduced a new federal excise tax on certain international money transfers. The tax, set at 1% of the transfer amount, applies to remittances made on or after January 1, 2026. However, not all transfers are taxable.

If you send money from a US bank account or using a US-issued debit or credit card, your transfer is exempt from the tax by statute. The tax applies only when you pay with cash, a money order, a cashier's check, or a similar physical instrument.

Understanding whether this tax applies to you and how it may affect your transfers can help you send money home with fewer surprises.

What Is the New 1% Remittance Tax?

It imposes a 1% federal excise tax on certain outbound remittance transfers, meaning money sent from a sender in the United States to a recipient in a foreign country, through a remittance service provider.

The tax is codified under IRC Section 4475, added to the Internal Revenue Code by Section 70604 of the OBBBA. It applies to all senders, regardless of citizenship or immigration status.

The tax was effective for transfers made after December 31, 2025, with collection beginning January 1, 2026.

Who Pays the Tax? Who Doesn't?

The key factor is how you fund the transfer, not how much you send, not where it goes, and not your immigration or citizenship status.

This means that if you often send money back home with a remittance service provider with physical locations (for example Western Union or MoneyGram) and pay with cash, a 1% tax will be added to your total transfer amount.

However, if you send money through a digital app or bank account linked to your US checking or savings account, or pay with a US-issued debit or credit card, the transfer is exempt from the tax under Section 4475.

How Is the Tax Collected?

The tax is collected at the point of transfer. When a taxable transaction occurs, the remittance transfer provider is responsible for collecting the 1% from the sender at the time the transfer is made.

Providers must then deposit the collected taxes with the IRS on a semimonthly schedule and file quarterly returns.

The Remittance Landscape in 2026

For millions of families across Latin America, the money that arrives from a relative in the United States can pay the rent, cover school fees, or put food on the table. In 2024, Latin America and the Caribbean received an estimated $161 billion in remittances, the vast majority sent from the US. Mexico alone received over $63.3 billion. In countries like El Salvador, Guatemala, Nicaragua, and Honduras, remittances represent between 19% and 26% of GDP.

For people already stretching every dollar between their own expenses in the US and the needs of family back home, an additional cost on each transfer can have an impact. How much it affects you depends largely on the tools available to you.

Cash agent networks (Western Union, MoneyGram, Intermex):

These are the traditional in-person options, often used by senders who mostly manage cash. Transfers funded with cash at these locations are subject to the 1% tax.

Digital apps (Remitly, Wise, Xoom, Común, and others):

These platforms typically process transfers from a linked US bank account or US-issued debit or credit card. These payment methods are exempt from the tax under Section 4475. However, fees and exchange rate margins may vary by provider.

Bank wire transfers:

Transfers sent directly from a US bank account at a Bank Secrecy Act–compliant institution are exempt from the tax by statute. Bank wire fees can be higher than digital app fees.

What This Means for You

If you send money home regularly, you already know that there are costs involved: transfer fees, exchange rate margins, sometimes a fee on the receiving end. Now, depending on how you send money, there may also be a new 1% federal tax. That may not sound like much in isolation, but if you're someone already careful about managing what to keep and what to send, it can add up.

There is no single right answer for everyone. Some people that have a US bank account can shift to a digital transfer method. Others who don't have that option yet, or may have reasons for continuing to send through an agent location. Whatever your situation is, a few things may help:

Know what you're being charged:

Before confirming any transfer, you should be able to see the fee, the exchange rate, any applicable taxes, and the exact amount your family will receive. Review everything before you hit send. Some service providers, like Común, offer in-app tools to help you calculate the costs before sending anything.

Compare the total cost:

A provider that charges no transfer fee but offers a weaker exchange rate can potentially cost more than one with a modest flat fee and a fair rate. The number that matters is what arrives on the other end.

If you have a US bank account or debit card, ask your provider about your options:

Transfers funded from a US bank account or US-issued debit or credit card are exempt from the tax under the current statute.

Ask your provider directly how they handle the tax:

Some providers may have updated their apps, websites, or agent instructions. If you're sending via a digital channel linked to your US bank account or debit or credit card, ask whether that payment method qualifies for the statutory exemption.

Manage your remittances confidently with Común

Having an account to receive electronic payments, track your spending, and send money directly may help make managing your financial life in the U.S. more convenient. Común accepts more than 100 valid Latin American IDs to open a debit account. With Común you get:

• A $2.99 flat fee per remittance transfer, with no hidden charges
• A checking account held at Community Federal Savings Bank, Member FDIC. Deposits are FDIC insured up to the applicable limits
• Transparent, in-app pricing where you can see exactly what each transfer will cost, including fees and the exchange rate, before you confirm
• 24/7 customer support in Spanish
• Cash pickup options for your recipient
• The ability to send transfers from the comfort of your phone

To learn more about Común's remittance services, visit comun.app/remittances.

FAQ

What is the new 1% Remittance Tax?

It is a federal excise tax introduced by the One Big Beautiful Bill Act (OBBBA), Public Law 119-21, codified as IRC Section 4475. It imposes a 1% tax on certain outbound money transfers from the United States to recipients in foreign countries. It applies only to transfers funded with cash, money orders, cashier's checks, or similar physical instruments.

When does the new remittance tax take effect?

The tax applies to remittance transfers made on or after January 1, 2026. It was signed into law on July 4, 2025, as part of the OBBBA. The IRS granted penalty relief to providers for the first three quarters of 2026, with full enforcement expected beginning Q4 2026.

Who has to pay the 1% tax?

The tax is owed by the sender, but it is collected and remitted to the IRS by the remittance transfer provider at the time of the transfer. It applies to all senders, regardless of citizenship or immigration status.

Are all money transfers from the US subject to the new tax?

No. The tax applies only to transfers funded with cash or physical instruments. Transfers funded from a US bank account at a Bank Secrecy Act–compliant institution, or paid with a US-issued debit or credit card, are exempt from the tax by statute.

How is the tax collected?

The remittance transfer provider collects the 1% tax from the sender at the time of transfer. Providers must deposit collected taxes with the IRS on a semimonthly schedule and file quarterly returns using Form 720.

How can I tell if my transfer is taxable?

It depends on how you're funding the transfer. If you are paying with cash, a money order, or a cashier's check at a remittance agent, the 1% tax likely applies. If you are sending money through a digital app or bank account using your US checking account or a US-issued debit or credit card, the transfer may be exempt under the current statute. Ask your provider directly to confirm how your specific payment method is classified.

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The 100 Questions about American Citizenship in Spanish

Reaching the point where you're preparing for the citizenship exam is already a major milestone. It reflects time, effort, and a commitment to building your future in the United States.

In this guide, you'll find the 100 civic questions for the U.S. Citizenship exam provided by the U.S. Citizenship and Immigration Services (USCIS), the government agency that reviews and processes citizenship applications. These are the questions from the civics test, translated into Spanish with their answers and organized by category aimed to support you while you prepare. The exam is administered by USCIS and is oral, not written. You'll be asked up to 10 questions out of the 100.

How does the US citizenship test work?

The U.S. citizenship exam generally consists of two parts, an English test and a civics test. Understanding how each one of them works could make the process feel more manageable. The English evaluation is conducted through an interview, in which an officer evaluates your English language skills through simple speaking, reading, and writing exercises. In the civics portion, the officer asks up to 10 questions out of a list of 100. They are about U.S. history, government, geography and holidays. To pass the test you must answer at least 6 of them correctly. It is important to consider that this entire part of the exam is oral.

If you do not pass a section the first time, you will usually have a second opportunity to retake the failed portion within 60 to 90 days. To start the application for citizenship, you must submit a form called Form N-400, which is the official application for naturalization, and as of 2026, the filing cost is $760, however, fees are subject to change.

Who can take the exam in Spanish?

If you are 65 or older and have been a permanent resident for at least 20 years, you may qualify to take the civics test in Spanish. This special rule, provided by USCIS, is designed to make the process more accessible for long-term residents. In this case, you do not need to study all 100 questions, you only need to study 20 of the 100 questions. In our list we will mark them with an asterisk (*). It is recommended to always consult and review the specific requirements of your own case with the corresponding authorities.

The 100 Official Citizenship Civics Test Questions (with answers in Spanish)

Here you will find the 100 official questions that USCIS may ask you during your citizenship exam, along with their answers in Spanish. However, keep in mind that the actual interview is conducted in English, unless you qualify for an exemption.

Part A: The American government (questions 1-57)

Principles of American Democracy (1–12)

1. What is the supreme law of the land?

• the Constitution

2. What does the Constitution do?

• sets up the government
• defines the government
• protects basic rights of Americans

3. The idea of self-government is in the first three words of the Constitution. What are these words?

• We the People

4. What is an amendment?

• a change (to the Constitution)
• an addition (to the Constitution)

5. What do we call the first ten amendments to the Constitution?

• the Bill of Rights

6. What is one right or freedom from the First Amendment?*

• speech
• religion
• assembly
• press
• petition the government

7. How many amendments does the Constitution have?

• twenty-seven (27)

8. What did the Declaration of Independence do?

• announced our independence (from Great Britain)
• declared our independence (from Great Britain)
• said that the United States is free (from Great Britain)

9. What are two rights in the Declaration of Independence?

• life
• liberty
• pursuit of happiness

10. What is freedom of religion?

• You can practice any religion, or not practice a religion.

11. What is the economic system in the United States?*

• capitalist economy
• market economy

12. What is the "rule of law"?

• Everyone must follow the law.
• Leaders must obey the law.
• Government must obey the law.
• No one is above the law.

System of Government (13–47)

13. Name one branch or part of the government.*

• Congress
• legislative
• President
• executive
• the courts
• judicial

14. What stops one branch of government from becoming too powerful?

• checks and balances
• separation of powers

15. Who is in charge of the executive branch?

• the President

16. Who makes federal laws?

• Congress
• Senate and House (of Representatives)
• (U.S. or national) legislature

17. What are the two parts of the U.S. Congress?*

• the Senate and House (of Representatives)

18. How many U.S. Senators are there?

• one hundred (100)

19. We elect a U.S. Senator for how many years?

• six (6)

20. Who is one of your state's U.S. Senators now?*

• Answers will vary.
• [District of Columbia residents and residents of U.S. territories should answer that D.C. (or the territory where the applicant lives) has no U.S. Senators.]

21. The House of Representatives has how many voting members?

• four hundred thirty-five (435)

22. We elect a U.S. Representative for how many years?

• two (2)

23. Name your U.S. Representative.

• Answers will vary.
• [Residents of territories with nonvoting Delegates or Resident Commissioners may provide the name of that Delegate or Commissioner. Also acceptable is any statement that the territory has no (voting) Representatives in Congress.]

24. Who does a U.S. Senator represent?

• all people of the state

25. Why do some states have more Representatives than other states?

• (because of) the state's population
• (because) they have more people
• (because) some states have more people

26. We elect a President for how many years?

• four (4)

27. In what month do we vote for President?*

• November

28. What is the name of the President of the United States now?*

• Visit uscis.gov/citizenship/testupdates for the name of the President of the United States.

29. What is the name of the Vice President of the United States now?

• Visit uscis.gov/citizenship/testupdates for the name of the Vice President of the United States.

30. If the President can no longer serve, who becomes President?

• the Vice President

31. If both the President and the Vice President can no longer serve, who becomes President?

• the Speaker of the House

32. Who is the Commander in Chief of the military?

• the President

33. Who signs bills to become laws?

• the President

34. Who vetoes bills?

• the President

35. What does the President's Cabinet do?

• advises the President

36. What are two Cabinet-level positions?

• Secretary of Agriculture
• Secretary of Commerce
• Secretary of Defense
• Secretary of Education
• Secretary of Energy
• Secretary of Health and Human Services
• Secretary of Homeland Security
• Secretary of Housing and Urban Development
• Secretary of the Interior
• Secretary of Labor
• Secretary of State
• Secretary of Transportation
• Secretary of the Treasury
• Secretary of Veterans Affairs
• Attorney General
• Vice President

37. What does the judicial branch do?

• reviews laws
• explains laws
• resolves disputes (disagreements)
• decides if a law goes against the Constitution

38. What is the highest court in the United States?

• the Supreme Court

39. How many justices are on the Supreme Court?

• Visit uscis.gov/citizenship/testupdates for the number of justices on the Supreme Court.

40. Who is the Chief Justice of the United States now?

• Visit uscis.gov/citizenship/testupdates for the name of the Chief Justice of the United States.

41. Under our Constitution, some powers belong to the federal government. What is one power of the federal government?

• to print money
• to declare war
• to create an army
• to make treaties

42. Under our Constitution, some powers belong to the states. What is one power of the states?

• provide schooling and education
• provide protection (police)
• provide safety (fire departments)
• give a driver's license
• approve zoning and land use

43. Who is the Governor of your state now?

• Answers will vary. [District of Columbia residents should answer that D.C. does not have a Governor.]

44. What is the capital of your state?*

• Answers will vary. [District of Columbia residents should answer that D.C. is not a state and does not have a capital. Residents of U.S. territories should name the capital of the territory.]

45. What are the two major political parties in the United States?*

• Democratic and Republican

46. What is the political party of the President now?

• Visit uscis.gov/citizenship/testupdates for the political party of the President.

47. What is the name of the Speaker of the House of Representatives now?

• Visit uscis.gov/citizenship/testupdates for the name of the Speaker of the House of Representatives.

Rights and responsibilities (48–57)

48. There are four amendments to the Constitution about who can vote. Describe one of them.

• Citizens eighteen (18) and older (can vote).
• You don't have to pay (a poll tax) to vote.
• Any citizen can vote. (Women and men can vote.)
• A male citizen of any race (can vote).

49. What is one responsibility that is only for United States citizens?*

• serve on a jury
• vote in a federal election

50. Name one right only for United States citizens.

• vote in a federal election
• run for federal office

51. What are two rights of everyone living in the United States?

• freedom of expression
• freedom of speech
• freedom of assembly
• freedom to petition the government
• freedom of religion
• the right to bear arms

52. What do we show loyalty to when we say the Pledge of Allegiance?

• the United States
• the flag

53. What is one promise you make when you become a United States citizen?

• give up loyalty to other countries
• defend the Constitution and laws of the United States
• obey the laws of the United States
• serve in the U.S. military (if needed)
• serve (do important work for) the nation (if needed)
• be loyal to the United States

54. How old do citizens have to be to vote for President?*

• eighteen (18) and older

55. What are two ways that Americans can participate in their democracy?

• vote
• join a political party
• help with a campaign
• join a civic group
• join a community group
• give an elected official your opinion on an issue
• call Senators and Representatives
• publicly support or oppose an issue or policy
• run for office
• write to a newspaper

56. When is the last day you can send in federal income tax forms?*

• April 15

57. When must all men register for the Selective Service?

• at age eighteen (18)
• between eighteen (18) and twenty-six (26)

Part B: American history (questions 58-87)

Colonial Period and Independence

58. What is one reason colonists came to America?

• freedom
• political liberty
• religious freedom
• economic opportunity
• practice their religion
• escape persecution

59. Who lived in America before the Europeans arrived?

• American Indians
• Native Americans

60. What group of people was taken to America and sold as slaves?

• Africans
• people from Africa

61. Why did the colonists fight the British?

• because of high taxes (taxation without representation)
• because the British army stayed in their houses (boarding, quartering)
• because they didn't have self-government

62. Who wrote the Declaration of Independence?

• (Thomas) Jefferson

63. When was the Declaration of Independence adopted?

• July 4, 1776

64. There were 13 original states. Name three.

• New Hampshire
• Massachusetts
• Rhode Island
• Connecticut
• New York
• New Jersey
• Pennsylvania
• Delaware
• Maryland
• Virginia
• North Carolina
• South Carolina
• Georgia

65. What happened at the Constitutional Convention?

• The Constitution was written.
• The Founding Fathers wrote the Constitution.

66. When was the Constitution written?

• 1787

67. The Federalist Papers supported the passage of the U.S. Constitution. Name one of the writers.

• (James) Madison
• (Alexander) Hamilton
• (John) Jay
• Publius

68. What is one thing Benjamin Franklin is famous for?

• U.S. diplomat
• oldest member of the Constitutional Convention
• first Postmaster General of the United States
• writer of "Poor Richard's Almanac"
• started the first free libraries

69. Who is the "Father of Our Country"?

• (George) Washington

70. Who was the first President?*

• (George) Washington

1800s

71. What territory did the United States buy from France in 1803?

• the Louisiana Territory
• Louisiana

72. Name one war fought by the United States in the 1800s.

• War of 1812
• Mexican-American War
• Civil War
• Spanish-American War

73. Name the U.S. war between the North and the South.

• the Civil War
• the War between the States

74. Name one problem that led to the Civil War.

• slavery
• economic reasons
• states' rights

75. What was one important thing that Abraham Lincoln did?*

• freed the slaves (Emancipation Proclamation)
• saved (or preserved) the Union
• led the United States during the Civil War

76. What did the Emancipation Proclamation do?

• freed the slaves
• freed slaves in the Confederacy
• freed slaves in the Confederate states
• freed slaves in most Southern states

77. What did Susan B. Anthony do?

• fought for women's rights
• fought for civil rights

Recent American History and Other Important Historical Information

78. Name one war fought by the United States in the 1900s.*

• World War I
• World War II
• Korean War
• Vietnam War
• (Persian) Gulf War

79. Who was President during World War I?

• (Woodrow) Wilson

80. Who was President during the Great Depression and World War II?

• (Franklin) Roosevelt

81. Who did the United States fight in World War II?

• Japan, Germany, and Italy

82. Before he was President, Eisenhower was a general. What war was he in?

• World War II

83. During the Cold War, what was the main concern of the United States?

• Communism

84. What movement tried to end racial discrimination?

• civil rights (movement)

85. What did Martin Luther King, Jr. do?*

• fought for civil rights
• worked for equality for all Americans

86. What major event happened on September 11, 2001, in the United States?

• Terrorists attacked the United States.

87. Name one American Indian tribe in the United States.

• [USCIS Officers will be supplied with a list of federally recognized American Indian tribes.]
• Cherokee
• Navajo
• Sioux
• Chippewa
• Choctaw
• Pueblo
• Apache
• Iroquois
• Creek
• Blackfeet
• Seminole
• Cheyenne
• Arawak
• Shawnee
• Mohegan
• Huron
• Oneida
• Lakota
• Crow
• Teton
• Hopi
• Inuit

Part C: Geography and civic integration (questions 88-100)

Geography

88. Name one of the two longest rivers in the United States.

• Missouri (River)
• Mississippi (River)

89. What ocean is on the West Coast of the United States?

• Pacific (Ocean)

90. What ocean is on the East Coast of the United States?

• Atlantic (Ocean)

91. Name one U.S. territory.

• Puerto Rico
• U.S. Virgin Islands
• American Samoa
• Northern Mariana Islands
• Guam

92. Name one state that borders Canada.

• Maine
• New Hampshire
• Vermont
• New York
• Pennsylvania
• Ohio
• Michigan
• Minnesota
• North Dakota
• Montana
• Idaho
• Washington
• Alaska

93. Name one state that borders Mexico.

• California
• Arizona
• New Mexico
• Texas

94. What is the capital of the United States?*

• Washington, D.C.

95. Where is the Statue of Liberty?*

• New York (Harbor)
• Liberty Island
• [Also acceptable are New Jersey, near New York City, and on the Hudson (River).]

Symbols

96. Why does the flag have 13 stripes?

• because there were 13 original colonies
• because the stripes represent the original colonies

97. Why does the flag have 50 stars?*

• because there is one star for each state
• because each star represents a state
• because there are 50 states

98. What is the name of the national anthem?

• The Star-Spangled Banner

Holidays

99. When do we celebrate Independence Day?*

• July 4

100. Name two national U.S. holidays.

• New Year's Day
• Martin Luther King, Jr. Day
• Presidents' Day
• Memorial Day
• Independence Day
• Labor Day
• Columbus Day
• Veterans Day
• Thanksgiving
• Christmas

Frequently Asked Questions about the Citizenship Exam

How many questions are asked on the citizenship exam?

During the civics portion, an officer from USCIS will ask up to 10 questions out of a list of 100. You need to answer at least 6 correctly to pass this part of the test.

Is the citizenship exam in English or Spanish?

The exam is conducted in English, including both the English and civics portions. However, applicants who qualify for the 65/20 exemption can take the civics test in Spanish. Make sure you verify if the exemption applies in your specific case with the corresponding authorities.

What happens if I don't pass the exam the first time?

If you fail either the English or civics section, you are given a second opportunity to retake the part you did not pass. This second interview typically takes place within 60 to 90 days.

How much does the citizenship exam cost in 2026?

The exam itself does not have a separate fee, but it is included in the naturalization application. As of 2026, the cost to file Form N-400 is $760, though it's always a good idea to verify updates directly with USCIS.

Do the citizenship exam questions change?

The list of questions is updated occasionally by USCIS. The current version is based on the reinstated 2008 civics test, which remains the standard as of 2026.

Can I study the citizenship questions in Spanish?

Yes, many applicants study the questions in Spanish to better understand the content. However, the actual exam is conducted in English unless you qualify for an exemption like the 65/20 rule.

5 Tips for Studying for and Passing Your Citizenship Exam

Preparing for the citizenship test doesn't have to feel overwhelming. Approaching it with a plan and consistency could be the key for a smoother experience. Here are some general tips we've enlisted for preparing for your citizenship exam:

Study by category, avoid trying to learn all of them at once.

Break the 100 questions into topics like history, government, and geography. This makes it easier to understand patterns instead of trying to memorize everything in one go.

Practice your answers out loud.

The exam is oral, so it's important to get comfortable saying your answers, not just recognizing them. This helps with confidence during the interview.

Start with questions that change.

Aim to focus first on answers that can vary, like the current president or your state's senators. Learning these early helps you avoid confusion later in the process.

Use flashcards and try to study with someone.

Flashcards are a great tool for repetition and reinforcing memory. If possible try practicing with a friend or family member to simulate the real experience of being asked questions.

Don't panic if you don't know everything.

You don't need a perfect score. You only need to answer 6 out of 10 questions correctly, so focus on being consistent, not perfect.

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Buying a house in the U.S. is a process that is not legally restricted for the immigrant population. However, it is more complicated for this group due to certain specific requirements requested.

According to a recent article, obtaining financing is more difficult for immigrants due to obstacles such as lack of credit history, immigration status, and the need to have an SSN or ITIN.

If you plan to live in the United States and believe you are far from meeting the necessary requirements to buy a house there, below we present the complete guide so you can acquire a property for the first time.

Is It Possible to Buy a House in the United States as a Foreigner?

Unlike several Latin American countries, in the USA it is possible to acquire a property without being a U.S. citizen, as long as a series of requirements are met to carry out the purchase process.

This process is completely legal and increasingly common, as it is possible with good financial preparation and the necessary documentation. According to Realtor, during 2024 more than 43,700 homes were acquired by immigrants. This confirms the viability of the transaction.

Although it is not necessary to have citizenship or permanent residence to buy a house, it is true that immigration status and the fulfillment of other requirements can influence the steps to access mortgage loans and other financing options.

Requirements to Buy a House in the United States

The first step in buying real estate in the United States is to gather the requested documentation and have the financial solvency needed to cover the price of the property.

Identity Documents

These are the essential documents you must gather before buying a house.

Passport

You must present your valid passport and visa as primary identifications that will serve to validate your identity.

Tax Identification Number

Generally, lenders request the SSN, but if you do not have one, it is also possible to present the ITIN.

Financial Preparation

If you have the price of the property in cash, it will be much easier to complete the purchase process. Otherwise, you must undertake the appropriate financial preparation to access financing programs suitable for you.

This is the step-by-step process we recommend you follow to ensure you can cover the installments of your first house in the United States.

Proof of Income

It is essential that you can prove stable income to obtain a mortgage, since lenders want to ensure that applicants are able to cover monthly installments and other payments associated with the purchase of a property.

Immigrants have the option of presenting documents issued inside and outside the country, but they must be translated and certified.

Employment Letters

An employment letter issued by the employer is a common way to prove income.

This document must include:

• Company name and contact details

• Applicant’s position

• Date of entry into the company

• Annual or hourly salary

• Signature and position of the issuer

Banking Account

The lender may also request bank statements from the last 3 months to verify steady income consistent with the declared salary. In addition, they evaluate the existence of overdrafts and the applicant’s savings capacity.

Funds Available for Down Payment and Closing

It is essential that you demonstrate solvency to cover the following payments.

• Down payment: ranges from 3% to 20% of the property value, depending on the type of loan

• Closing costs: notary fees, insurance, and loan fees

7 Steps to Buy a House in the United States

Step 1: Research the real estate market and define where you would like to buy

Before choosing a property, research the real estate market, the average price in each area, and access to basic services in the neighborhood of your interest. States like Texas are characterized by an 18% lower cost of living than the national average and a high presence of the immigrant community.

Below we show you a comparative table of the range of housing prices in different cities, according to Zillow.

Price table

Step 2: Calculate How Much You Can Spend and Set Your Budget

It is very important that you carry out an analysis of your payment capacity, according to your income and monthly expenses.

Calculate how much money you spend per month and whether you will be able to cover the corresponding installments with the remaining money, as well as the amount you have saved at the moment.

Step 3: Choose a Real Estate Agent with Experience in International Clients

A real estate agent with experience in international clients will be of great help in streamlining the process, as they know well the special requirements as well as the most common barriers faced by immigrants. In addition, the real estate agent can help you with negotiation and with comparing housing prices.

Step 4: Request a Mortgage Pre-Approval if You Plan to Finance the Purchase

It is not mandatory to request mortgage pre-approval, although it does offer you certain benefits, such as greater solidity when presenting an offer, in addition to showing you the amount the bank could lend you.

Step 5: Visit Properties and Make a Formal Offer for the One You Are Interested In

Once you find a property ideal for your lifestyle, your real estate agent must prepare a formal written offer, which can be accepted, rejected, or renegotiated by the owner.

Generally, a guarantee deposit is delivered to endorse the purchase commitment.

Step 6: Carry Out the Inspection and Professional Appraisal of the Property

The inspection is vital to detect structural problems that affect the value of the house and to carry out the official appraisal that will be confirmed by the bank.

Step 7: Sign the Documents and Make the Final Payment at Closing

On the long-awaited closing day, you must sign a series of documents and carry out the following procedures:

• Mortgage signing, if applicable

• Signing of the property transfer

• Transfer of down payment and closing costs

• Registration of deeds in your name

Welcome to your new home!

Discover How Much It Costs to Buy a House in the United States

One of the most common mistakes of first-time buyers is calculating long-term payments based on the listed price, without considering the additional costs of the U.S. real estate market, such as:

Additional Costs to Consider

• Property taxes

• Home insurance

• Closing costs

Practical Tips for a Safe Purchase

Buying a house is a very important decision, which is why we recommend taking the necessary time to research and review all the details of the transaction.

In addition, it is advisable to have a banking account with real-time notifications and support in your language. This will help you better manage your finances and verify your income.

Común Helps You Prepare to Buy Your House in the United States

As you can see, buying a home in the United States is completely viable for immigrants, as long as they have the correct information, the support of experienced professionals, and proper financial planning.

Opening a banking account brings you closer to fulfilling the American dream, since it allows you to safely receive your salary and verify your income in the country.

Open your account today at Común with a qualifying official ID from your country of origin, organize your finances, and take the first step toward your new home.

An SSN (Social Security Number) is a 9-digit number issued by the U.S. government. It is required for working legally, filing taxes, and accessing financial services in the United States. As an immigrant, you may apply for an SSN if you have an eligible visa or Green Card — or use an ITIN as an alternative. If you have newly arrived in the U.S., you likely have questions about how to handle certain procedures. Therefore, we will explain what the SSN is, what it is for, how to apply for it, how much it costs, and what the benefits are of having this identifier.

What is the Social Security Number (SSN)?

The Social Security Number (SSN) is a series of 9 digits issued by the Social Security Administration (SSA, or Administración del Seguro Social in Spanish). It is issued to citizens, permanent residents, and eligible temporary residents, in accordance with their immigration status.

Its main function is to serve as a unique identification number that allows the government to track specific data for each person, such as their income, financial information, and employment history. This makes it possible to determine, in each particular case, eligibility to access Social Security benefits such as retirement, disability, among others.

In addition to facilitating access to these benefits, the Social Security card serves as official identification for employment onboarding, driver’s licenses (in some states), and opening bank accounts.

How to obtain the Social Security Number in the United States?

An important point about the Social Security Number in the U.S. is that there are three different types:

• For citizens born in the United States 
• For citizens born abroad
• For non-citizens with lawful resident status

In the case of lawful permanent residents, it is necessary to obtain a Green Card or a visa with valid work authorization issued by the Department of Homeland Security (DHS), such as H-1B or L-1.

The process of obtaining the SSN varies depending on immigration characteristics. If you requested the SSN during your visa processing—through the “Application for Immigrant Visa and Alien Registration” form or the DS-260 electronic format, “Immigrant Visa Electronic Application”—DHS will contact the Social Security Administration directly to carry out the process.

Get your SSN in just 4 steps

If you did not request the SSN during your visa process, the first thing you should do is gather the following documentation:

• A valid passport with the Machine Readable Immigrant Visa (MRIV) or a Permanent Resident Card (Form I-551)
• Birth certificate

Once you have gathered the documentation, follow these steps:

1. Download and complete the SS-5 application
2. Go to an SSA office
3. Present the original documents
4. Wait 7 to 14 days to receive the Social Security card by mail

What to do if your SSN card is lost?

If your Social Security card is lost, it is important to take security measures immediately to avoid identity theft, fraud, or misuse of your personal data.

Report the theft or loss of this document to the police and then file a complaint with the Federal Trade Commission (FTC).

Afterwards, go to the Social Security Administration, complete the SS-5 form again, and bring the corresponding documents for replacement of the card.

Avoid carrying the card with you unless necessary and keep it in a safe place. Generally, you do not need to present your physical card but rather the number, which does not change even if you replace the card.

5 benefits of having an SSN

If you are still wondering what the SSN is for, you should know that this document provides multiple benefits of different kinds, such as the following:

1. Employment

For permanent residents, the greatest benefit of the SSN is that it grants work authorization, enables income tracking, as well as the payment of taxes and legal obligations. Presenting this document is an indispensable requirement during formal hiring processes in the United States.

2. Credit

The SSN is also typically required to apply for loans and credit from banks and financial institutions in the United States; in this way you can access assets such as real estate, a car, or other types of services.

3. Banking services

Accessing financial services is essential for immigrant workers in the United States, whether to receive wages or send money to their countries of origin. Generally, the SSN is a requirement to access a bank account and credit and debit cards, among other services.

4. Government benefits

There are other benefits available, such as unemployment insurance in the event of dismissal, and access to retirement and Medicare starting at age 65, for eligible permanent residents.

5. Taxes

The SSN functions as the taxpayer’s personal identification number, which makes it easier to file tax returns and report income and expenses. Another alternative for residents who do not have an SSN is the ITIN, issued by the Internal Revenue Service (IRS), which serves to fulfill tax obligations and grants other benefits.

In short, the Social Security Number—beyond being an administrative procedure—facilitates economic and social integration in the United States because it serves to track income and expenses and facilitates access to basic rights such as work, health, and banking, which are essential for integrating into society.

How much does it cost to get an SSN?

It is important to clarify that the Social Security card process does not involve any cost, whether you do it for the first time or as a replacement due to theft or loss.

Stay alert to potential fraud and avoid making payments to unauthorized third parties. If you have any doubts, go directly to your local Social Security office and report any suspicious activity.

Read more: Don’t miss our guide to investment basics for immigrants

Simplify your financial life upon arriving in the United States with Comun

As you can see, the SSN is highly relevant to establishing a stable life in the United States because it facilitates access to work, health services, and financial products that are essential for carrying out daily tasks such as payments and money transfers.

Comun is a financial platform designed to make life easier for immigrants in the United States by facilitating their integration into the financial system from day one.

• Open your account with an official ID from your country of origin
• Receive a Visa debit card and make purchases easily in physical stores and online
• Access a mobile application and manage your finances from the palm of your hand
• Send remittances to your home country for a fee starting at $2.99 USD, up to the applicable limits
• Forget about hidden fees and complicated processes
• Access support available in Spanish and English

With Comun, discover the most accessible way to manage your finances for everyday life in the United States.

Frequently Asked Questions

If you still have questions, consult our Frequently Asked Questions section.

What should I do if someone uses my SSN without permission?

Report immediately at IdentityTheft.gov and place a fraud alert.

How many times can I replace my SSN card?

Up to 3 times per year and a maximum of 10 times in your lifetime.

Is it mandatory to have an SSN to open an account with Comun?

Comun allows you to open an account with official ID from your country. 

En la era digital, enviar y recibir dinero se ha vuelto más fácil y rápido que nunca. Existen aplicaciones móviles que nos permiten transferir fondos a amigos, familiares y negocios con solo unos clics en nuestro teléfono. En este artículo, te presentamos las mejores y más populares aplicaciones para enviar dinero de forma segura y eficiente.

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1. Zelle:

Zelle es una aplicación de transferencia de dinero desarrollada por un consorcio de bancos de EE. UU. que permite a los usuarios enviar y recibir dinero directamente entre cuentas bancarias. Al estar vinculado a las cuentas bancarias, Zelle ofrece una forma rápida y segura de transferir dinero sin la necesidad de una aplicación de terceros. Para utilizar Zelle, solo necesitas una dirección de correo electrónico o un número de teléfono móvil y una cuenta en un banco participante. Aunque sea la opción más popular en Estados Unidos en estos momentos, tiene mucho trabajo que cumplir para mejorar la accesibilidad en español.

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2. Común:

De las aplicaciones en esta lista Común es, sin duda, la mejor para la comunidad Latina en Estados Unidos. La experiencia del app de Común es totalmente en español, clara y rápida. Cuenta con servicio al cliente 100% en español. Con líneas de teléfono, chat, y mensajes de texto, Común es el app para mandar dinero más accesible para aclarar dudas. Además de las transferencias personales sin límites, Común también ofrece una cuenta bancaria y guías para poder conectar Común con Zelle, Paypal, Venmo y Cashapp. Asi es, aparte de ser una de las mejores apps para mandar dinero, con Común puedes conectarte a todos los apps en esta lista. Las cuentas Común están aseguradas por el FDIC hasta $250,000.

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3. PayPal:

PayPal es, sin duda, una de las aplicaciones de pago en línea más conocidas y utilizadas en todo el mundo. Con una presencia global en más de 200 países, permite a los usuarios enviar y recibir dinero en diferentes monedas. Además de las transferencias personales, también es ampliamente utilizado para pagos en línea en tiendas y plataformas de comercio electrónico. Cuenta con una función de protección al comprador y vendedor que brinda mayor seguridad en las transacciones.

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4. Cash App:

Cash App, desarrollada por Square, es otra aplicación popular para enviar y recibir dinero en los Estados Unidos. Con Cash App, puedes vincular tu tarjeta de débito o crédito para realizar pagos rápidos a amigos y negocios. Además, la aplicación permite comprar y vender criptomonedas como Bitcoin y ofrece un programa de recompensas llamado "Boosts", que brinda descuentos en compras en establecimientos seleccionados.

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5. Venmo:

Venmo es una aplicación propiedad de PayPal, especialmente popular entre los jóvenes en los Estados Unidos. Permite enviar y recibir dinero rápidamente entre amigos y conocidos, incluso con mensajes y emojis personalizados. Aunque Venmo es gratuito para transferencias personales, tiene una pequeña comisión para recibir pagos por servicios o ventas. Una característica distintiva de Venmo es su componente social, ya que permite a los usuarios ver y comentar las transacciones públicas de sus amigos.

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Enviar y recibir dinero nunca ha sido tan fácil como con estas aplicaciones populares y confiables. Cada una de ellas ofrece características y ventajas únicas, desde la presencia global de PayPal hasta la flexibilidad y accesibilidad de Común. Asegúrate de investigar y comparar las diferentes aplicaciones para encontrar la que mejor se adapte a tus necesidades y preferencias. ¡Comienza a realizar transferencias de dinero de manera rápida y segura hoy mismo!

Everything you need to know to renew your Mexican passport

Living far from your country carries a set of family, social, and legal responsibilities—from keeping up with loved ones to complying with immigration laws.

Mexican community  is  one of the largest in the United States,so it’s essential for immigrants living there to renew their passports to avoid potential issues that could affect their stability.

If you hold a Mexican passport and have recently discovered your Mexican passport is about to expire, this guide is for you! Below we explain, step by step, how to renew it from the United States and why keeping it valid matters.

Why keeping your Mexican passport valid matters

The passport is one of the most important official documents for anyone; it serves not only as identification but also as the document that allows you to enter and leave countries.

Why is it important to renew your passport?

• Avoid travel delays 

Before you buy a ticket or pack your bags, check the expiration date on your passport and your family’s. Remember that airlines generally require at least 6 months’ validity.

• Handle consular procedures 

A passport is essential for immigration procedures you may need in the U.S., such as visas and permanent residence processing.

• Serves as official ID 

A passport is one of the documents most often required to identify yourself and to complete important banking and legal procedures such as opening a bank account, getting a Social Security Number, or a driver’s license.

• Avoid legal issues 

An expired passport could cause problems with U.S. immigration authorities and, in turn, jeopardize your ability to remain in the country.

Who can renew their Mexican passport in the United States?

The following documents are basic requirements to obtain a new passport: 

• Previous passport, even if expired. 
• Mexican birth certificate.
• Valid official ID.
• CURP (Unique Population Registry Code).

However, the renewal process varies slightly depending on the applicant’s profile.

Adults (18 and over) 

Adults can complete the Mexican passport renewal process directly at a Mexican consulate in the U.S. 

In most cases you must book an appointment in advance via the MiConsulado portal.

Minors 

For minors, renewal involves a few additional steps. 

Additional documentation:

• School ID or proof of enrollment. 
• Proof of address for the parents. 

Both parents must attend the appointment and sign the authorization. If one cannot attend, a notarized authorization is required.

People with disabilities 

People with disabilities can also renew their Mexican passport under the following criteria. 

Additional documentation: 

• Medical certificate proving the disability.
• If the person cannot legally sign the authorization, parents or guardians must appear with identification proving their status. 

Note that some Mexican consulates offer priority services for these needs.

5 requirements and documents needed to renew your Mexican passport

Before booking a consular appointment, make sure you meet the requirements to renew your Mexican passport.

1. Previous passport 

• For minors, include the authorization signed by both parents. 
• In cases of theft or loss, a special declaration is required.
• Passports issued before 1995 may not be digitized in the Foreign Affairs Ministry database, so additional documentation may be required.

2. Certified birth certificate 

This is a basic document proving Mexican nationality. Make sure you obtain a certified copy issued by the Civil Registry.

3. CURP 

The Unique Population Registry Code (CURP) is essential to confirm personal data.

4. Required payment 

Note the latest update to Mexican passport government fees. 

Fees (validity — estimated consular fee): • 3 years — $99.00 • 6 years — $133.00 • 10 years — $203.00 

Passport validity

Consular fee in U.S. dollars

3 years

$99.00

6 years

$133.00

10 years

$203.00

You must pay the fee on the day of your appointment. Commonly accepted methods: cash, debit or credit card, and money order. You’ll generally receive your passport the same day, unless there’s an issue with the documentation or information must be verified.

5. Original identification 

You may present an INE card, driver’s license, High-Security Consular ID, or school IDs.

Renewal can only be done at authorized Mexican consulates. While you may book at any Mexican consulate in the U.S., some may have operational restrictions.

How to book your appointment and what to expect on renewal day

Step 1. Book the appointment 

Booking an appointment is essential to renew your passport. 

• Via the website citas.sre.gob.mx.
• Via WhatsApp at 1-424-309-0009.

Step 2. Prepare your documents 

Make sure you have all required documents. If you have children or care for a person with disabilities, remember you’ll need the additional documentation.

Step 3. Attend the appointment

Arrive on time and present your documents in order. Once processed, you’ll receive your passport.

Additional tips to renew your Mexican passport without setbacks

An expired passport could cause easily avoidable setbacks and difficulties. Below are some tips to help you keep your official documentation up to date.

• Check your passport’s validity in advance before planning trips: don’t forget to take the expiration date into account. Consider setting reminders on your phone 6 months before it expires.

• Make copies of all important documents: it’s essential to keep backups of your official documents. Also consider digitizing them for convenience.

• Use only the SRE’s official channels to book appointments; if you have questions, contact the SRE’s official channels only.

• Arrive early to your appointment and organize your documents in a folder: avoid day-of delays that could slow your process.

• Verify the payment method and fees before your appointment: if you’re not sure whether your preferred payment method is accepted at the consulate, ask directly before your appointment.

Común: the next step after renewing your passport

Throughout this article, we showed how and why renewing your Mexican passport matters to avoid issues with U.S. authorities and delays in your plans. We also explained the application process, requirements, and practical tips.

Just as a valid Mexican passport opens the door to international travel and access to official services, a checking account with Común opens the door to financial stability in the United States.

Why choose Común as your financial ally?

• Open your checking account at Común with your passport or another qualifying official ID from your country of origin.

• Mobile app available in Spanish, intuitive and secure.

• Remittance transfers to Mexico and Latin America in a simple way and with clear, competitive fees

Común is the platform that understands the needs of people living between two countries. Your passport connects with your own identity, and Común connects your money with your family across borders.

Open your checking account with Común today and start sending money from the U.S. easily, safely, and affordably!

Frequently Asked Questions (FAQ)

If you still have questions, see this section.

Can I pay for my Mexican passport renewal with a credit card at the consulate?

Yes, credit card is an accepted payment method.

How do I renew my Mexican passport if it was stolen or lost in the U.S.?

You must present a theft or loss report issued by the local police and complete the loss declaration form at the consulate.

What documents do I need to renew my Mexican passport in the United States if I am a minor?

Mexican birth certificate, official ID, official IDs for both parents or guardians, and their in-person presence at the consulate.

Do I need a specific immigration status to renew my Mexican passport in the U.S.?

The passport is a right of Mexican citizenship, and you do not need to have any specific U.S. immigration status.

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Looking for an effective way to save money in the United States? For immigrants, opening a bank account is an essential step to adapt to the country’s pace of life and to access various everyday financial services, such as receiving payments, sending money, and saving.

For the latter, there are savings accounts which, unlike checking accounts, are a tool to safeguard money in a secure place and grow it through an interest rate or Annual Percentage Yield (“APY”).

More than a list of savings account options in the United States, below we present a practical, comprehensive guide so you can learn to compare key factors such as which banks pay higher interest in the USA, fees, and FDIC backing for greater security.

Best savings accounts in the United States in 2025

One of the qualities of the U.S. financial system is that it includes a large number of institutions offering savings accounts with different advantages and features.

Below, we list some of the high-yield savings accounts in 2025. Please check each bank for the most up-to-date information.

Key factors for choosing a savings account in the United States

Before choosing a savings account, it is very important to compare alternatives at traditional banks, such as Bank of America and Wells Fargo, and digital banks, such as Ally Bank and Capital One.

Annual Percentage Yield (APY)

APY (Annual Percentage Yield) indicates the annual return on your money. This percentage varies depending on the type of financial institution and the type of account.

For example, at traditional banks the APY may be under 1%, while on digital  high-yield savings account options, you can obtain a return above 4%, under certain conditions.

Minimum deposits and balance requirements

Although many digital and hybrid banks do not require initial deposits, traditional banks often do. For example, U.S. Bank requires a minimum deposit of $25 USD to open an account.

Fees and hidden charges

Banks also frequently charge monthly maintenance fees, which can affect the return on your savings.

For example, Wells Fargo requires a minimum balance of $300 USD per month to avoid a $5 USD monthly fee.

Security: FDIC insurance

It is essential to verify that the bank you choose is a member of the FDIC (Federal Deposit Insurance Corporation), because this institution insures deposits up to $250,000 USD per depositor, per insured bank, for each account ownership category in the event of bank failure.

Access and ease of use

It is also very important to assess how easy it is to access the services of the institutions you consider. For example, whether they have mobile banking, access to ATM networks, the ability to make transfers and withdraw money, as well as the account-opening requirements requested for immigrants.

Types of savings accounts in the United States

In the United States there are several types of bank accounts to cover profiles with different expectations and lifestyles. It is essential to understand the particularities of each one so you can choose the most suitable option according to your needs.

These are the main bank account types in the U.S.

Traditional savings accounts

These are savings accounts offered by both traditional and digital banks to keep money with moderate interest rates.

Advantages

• It is possible to make direct deposits and withdraw money.

• Most do not require a minimum opening deposit.

Disadvantages

• Lower interest rates than high-yield options.

• Because of this, your money may lose value against inflation.

• Limited additional benefits compared with other options.

High-yield savings accounts (High-Yield Savings Account)

These are savings accounts distinguished by offering a considerably higher APY than traditional options.

Advantages

• Greater growth of your money, especially in the long term.

• Unlike Certificates of Deposit, these accounts allow you to withdraw money without penalties in most cases.

Disadvantages

• Sometimes it is necessary to maintain a minimum balance to access the highest APY.

• Rates vary over time.

• Not all institutions have physical branches.

Money Market Accounts

These are deposit accounts that combine some features of checking and savings accounts.

Advantages

• They provide greater flexibility and allow the use of checks and debit cards.

• They offer notable interest rates, especially for accounts with high balances.

Disadvantages

• They may require higher minimum balances to open an account or avoid monthly fees.

• Variable interest rates.

• Limits on withdrawals and money transfers at some banks.

Certificates of Deposit (CDs)

These are fixed-term investment instruments starting at 3 months, with a fixed interest rate.

Advantages

• Higher interest rates than regular savings accounts.

• Guaranteed return if you do not withdraw the money.

Disadvantages

• If you need to withdraw your money early, you will have to pay a penalty.

• Generally, you will need to invest a large amount of money to reach a good rate of return.

Tips to get the most out of your savings account

If you really want to see a positive impact on your personal finances, opening a bank account is not enough. You need to learn to use it strategically to see real results.

Follow these simple tips and maximize the potential of your savings account.

• Automate minimum monthly deposits to build discipline.

• Set clear savings goals to build an emergency fund.

• Do not use your savings account for daily expenses; try to have a separate account that allows you to carry out daily transactions easily.

• Look for banks that offer a debit card or integration with international transfers so you can send money to your country of origin without complications.

Manage and grow your money in the U.S. with Común

Throughout this article you learned what a savings account is, the key aspects for comparing and choosing your preferred option—APY, minimum deposit, fees, and FDIC protection—as well as tips to make the most of them and promote financial education.

Común is the financial option designed for immigrants who want to handle their money with clarity and confidence.

Discover why Común is an option designed for your needs:

• Open your checking account with qualifying official identification from your country of origin.

• Get a debit card for daily expenses.

• Send remittances easily to Mexico and other LATAM countries.

• Save and organize your money easily.

Open your account with Común today and start organizing your money safely and simply. Take the next step toward more stable finances in the United States!

Frequently Asked Questions (FAQ)

What is the minimum deposit to open a savings account?

It depends on the bank. Some do not require a minimum deposit, while traditional institutions usually request around $25 USD.

Do all savings accounts have FDIC insurance?

All accounts at FDIC-insured banks have insurance. Exceptions are fintechs that act as intermediaries.

Can a person without a Social Security Number open a savings account in the U.S.?

Many banks accept an ITIN instead of an SSN or, in some cases, a passport or official foreign ID. Please check with the corresponding bank for their identification requirements for opening an account.

What is the CVV on a card?

Nowadays, making purchases with a credit or debit card in physical stores and online is an essential activity for acquiring everyday goods.

Security in these operations is essential. For this, these payment methods use the CVV or CVC code, which means Card Verification Value or Card Verification Code respectively, and its purpose is to verify that the cardholder has the physical card and to protect online and phone purchases.

Below, we will explain in detail what the CVV is, where to find it, the types of security codes, and tips to keep your cards secure.

Where to find the CVV on your card?

If you are going to make purchases online or by phone, you will need to provide the security code of your debit or credit card to verify it belongs to you.

In most cases, the CVV is located on the back of the card and consists of 3 or 4 numbers.

Here is a quick guide to locating the verification code depending on the card type.

Card type

Where to find the CVV?

How many digits does it have?

Visa

Usually on the back, next to the magnetic stripe.

3

Mastercard

Usually on the back, next to the signature.

3

Discover

Usually on the back, to the right of the signature.

3

American Express

Usually on the front, next to the card number.

4

One way to strengthen security during electronic transactions is the use of a dynamic CVV, which is found in digital applications or cards and is valid only for a limited time to make a single purchase. This reduces the risk of misuse of your personal data if it is exposed.

What is the CVV for and why is it important?

The CVV number is a security lock that allows you to use your physical and digital cards with confidence that a third party cannot access your money.

These are the most important functions of this security code.

• Holder verification:

It is especially useful for protecting electronic operations by verifying that the cardholder is the one making the purchase.

• Security in online purchases

When making an online purchase, you must enter the card’s CVV to validate the transaction. This process is more secure when using a dynamic CVV because it reduces the risk in case of fraud.

• Fraud prevention

Unlike other data usually included on physical cards, such as the number and expiration date, the CVV is not stored in online store systems, so your data remains safe in case of potential identity theft.

The purpose of the CVV is to provide you with security and peace of mind when making online purchases.

CVV, CVC, and CVV2: how are they different?

You may notice different types of CVV since the name can vary depending on the card issuer.

These are the security codes most commonly used by financial institutions to protect users’ cards.

CVV

The CVV (Card Verification Value) is the security code created for Visa cards. It consists of 3 or 4 digits and is used to confirm that the person making the purchase actually has the card.

CVC

The CVC (Card Verification Code) is the version of the CVV used by Mastercard cards. It has the same function and a similar composition.

CVV2

The CVV2 (Card Verification Value 2) is a digital version of the CVV used to provide greater protection in online purchases. While the traditional CVV is used during payments at card terminals, the CVV2 is requested to confirm remote transactions.

4 tips to use your card safely

Some people avoid or minimize the use of physical or digital cards due to fear of having their personal data stolen and generating unauthorized charges. However, financial institutions and digital platforms currently offer the necessary security measures to protect your assets.

Thanks to the implementation of codes such as the CVV, the risk of experiencing a security incident is minimal and decreases even more when you have the right information to apply practical strategies like the following.

• Do not share your CVV or write it in visible places: avoid having this code leaked to third parties. Remember that it is the number used to verify online purchases and that no financial institution requests sensitive data over the phone, so make sure to use the CVV responsibly.

• Use only secure payment sites (https://): if you need to make an online purchase, make sure the site has the required security measures to process electronic payments.

• Activate notifications or dynamic CVV if your bank offers it: enable notifications in your banking application and try using the dynamic CVV when shopping online. This allows you to generate a new CVV for each purchase.

• Review your transactions regularly: check your statement and transaction history frequently. If you detect any irregular activity, report it to your bank immediately.

Bank cards are useful tools that require responsible and cautious use. Learning to use your card safely and confidently is also part of building financial stability.

Manage your money and make payments securely with Comun

This time we explained what the CVV or CVC is, why it is important, and gave you some tips to keep your checking accounts secure.

The security provided by the CVV is the same you need in all your financial operations, such as digital payments, cash deposits, and international money transfers. For this, you have Comun, the digital platform specially designed for immigrants living in the United States who want to manage their money safely and without complications, with clear and competitive fees.

Comun is the financial platform that truly understands your needs and offers fair, tailored solutions.

Open your Comun account and start managing your money in the United States with confidence. Send, receive, and monitor your expenses from the mobile app.

Frequently Asked Questions (FAQ)

If you still have questions, check the following section.

What happens if I give my CVV to someone else?

It is not advisable to give your CVV to someone else, as they could make purchases not authorized by you. Make sure to protect your banking information so only you have access to it.

Is the CVV the same as the card number?

No, the card number consists of 16 digits and identifies the checking account. The CVV consists of 3 or 4 digits and verifies that the holder is the card owner.

Can I make purchases without a CVV?

In physical stores, it is not strictly necessary, as the purchase is validated with the chip and PIN. For online purchases, it is essential to enter the CVV to authorize the transaction.

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Ways to Invest Money and Secure Your Future in the United States

One of the constant concerns for people who leave their home country in search of better opportunities in the United States is financial uncertainty, often caused by poor management and a lack of knowledge about effective strategies to grow their money.

Saving products are an alternative that allows you to save money in the long term while earning interest—returns that depend on the term and the rate offered by the financial institution.

Knowing the different ways to save money is a way to ensure financial stability for you and your family. Below, we explain the types of investments and the safest ways to get started. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

What Does It Mean to Invest Money and Why Is It Important?

Investing means allocating money toward a goal with the aim of obtaining higher returns in the future. You can do it on your own, through a business, or with formal financial instruments that put the contributed money to work to pay interest over defined time frames.

Here are some benefits of using investment strategies:

• Financial security: gives you the confidence of having a savings fund for the future.

• Financial growth: puts your money to work to generate passive income and avoid losing value due to inflation.

• Family support: helps you plan long-term family projects, such as buying a home or paying for children’s higher education.

How to Define Your Goals and Risk Profile Before Investing

Before you begin, keep in mind that all investments involve some level of risk. If you’re a beginner, it’s essential to start at a level that matches your situation.

You should also be clear about your financial goals—the targets you want to reach in the short, medium, and long term.

Risk Profile

A risk profile is an investor’s ability to handle potential losses caused by market fluctuations.

These are the three main types.

Conservative

This profile is ideal for people not familiar with investing, as it involves low risk. Although returns are steady, they tend to be lower than other investment alternatives. Preferred options include savings accounts and short-term investment funds.

Moderate

This profile suits somewhat more experienced investors who are willing to take moderate risk by combining safer investments with slightly riskier ones to obtain better returns.

Aggressive

This profile is for those who have a strong command of investing. They have a high tolerance for losses and aim for high income through significant long-term investments, typically in the stock market, high-yield funds, and real estate.

Determine Your Risk Profile

Next, define the risk profile that aligns with your personal finances and your experience with these instruments.

Follow these tips to help you make a smart investment.

Step 1. Assess Your Current Financial Situation

Take stock of your finances—consider your income, monthly expenses, debts, and existing savings.

Step 2. Determine Your Investment Goals.

Set exactly what you want to achieve and in what timeframe—for example, buying a home, traveling abroad, paying for medical treatment, or simply building an emergency fund. Remember that long-term investments involve higher risk but can also offer higher returns.

Step 3. Decide How Much You Can Invest Initially.

Based on your budget, determine how much you can allocate to your initial investment and whether you can increase it later.

Step 4. Evaluate Your Risk Tolerance.

Analyze your willingness to accept potential losses and their impact on your personal finances.

Here is a comparative table for clarity.

Investment Profile

Risk Level

Time Horizon

Potential Return

Characteristics

Conservative

Low

Long – Medium

Low

Prioritizes safety over return.

Moderate

Medium

Medium – Long

Low – Medium

Balances safety and returns.

Aggressive

High

Long

High

Seeks to maximize long-term gains, with higher risk.

4 Accessible Investment Options for Beginners

A common misconception is that you need a significant amount of money to become an investor. In reality, there are accessible alternatives that let you start with small amounts, easily.

Here are four ideal options to start investing.

Index Funds

Index funds pool money from multiple investors to buy stocks or bonds.

Main Benefits:

• Automated operation.

• Easy diversification.

• Potential for good long-term returns with little effort.

Certificates of Deposit (CDs)

A certificate of deposit is an investment made directly with a financial institution for a fixed term, meaning you cannot withdraw the money during that period.

Main Benefits:

• A relatively secure way to start investing, as it’s offered by financial institutions.

• Generates steady, predictable returns.

Bonds

Bonds are loans to companies or governments that pay interest periodically and generally carry lower risk.

Main Benefits:

• Income is more predictable.

• A good option to diversify alongside slightly riskier investments.

Digital Investment Accounts

An accessible option that allows you to invest from a mobile application.

Main Benefits:

• Let you start with very small amounts of money.

• Very beginner-friendly for entering the world of investing.

Before choosing an investment vehicle, consider your risk profile. If you prefer stability over returns, CDs or bonds may be ideal.

Avoid “putting all your eggs in one basket.” The key to smart investing is diversifying across several instruments, even with small amounts.

Simple Habits to Invest and Review Your Strategy

When you start investing, it’s important to be realistic, stay patient, and remain consistent with your financial goals.

Here are some simple practices to keep your investments on track.

• Review your investments at least every 3 to 6 months.

• Adjust your strategy as your goals or financial situation change.

• Use digital tools to monitor your progress.

Use Común to Manage Your Money Easily as an Immigrant in the U.S.

Financial management is a responsibility you should entrust to an accessible platform.

Meet Común! The financial service that lets you send, receive, and withdraw money within and outside the United States, quickly, simply, and securely. 

Común is a mobile app that allows you to open an account easily with a qualifying official identification from your home country, so it’s a great option for the immigrant community.

Open your account with Común and start sending, receiving, and withdrawing money. Enjoy Spanish and English language support, clear fees, and a digital platform ideal for the immigrant community in the United States.

Frequently Asked Questions (FAQ)

If you still have questions, see the section below. Please note that investment products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE.

How much money do I need to start investing in the U.S.?

There are quite accessible investment options today, especially digital platforms. Some let you start with amounts as low as $1 or $5, which is ideal for learning to invest.

Is it safe to invest as an immigrant?

Yes—even if you are not a legal resident, you can invest money in the United States. Just make sure to use regulated institutions and platforms.

What if I want to change my investment strategy in the future?

It’s common to change your investment strategy to match your financial goals. Review your investments periodically and make the necessary adjustments according to the applicable timelines.

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