Learn how to manage your money, send money home with confidence, and build a secure financial future for you and your family.

Living in the United States
Starting a new school year in the U.S. means enrollment paperwork, supply lists, and new expenses — and it can look very different from school systems in Mexico, Colombia, Guatemala, El Salvador, or Honduras. This guide covers what to expect and how to prepare with confidence.
8 min read

Olivia Rhye
20 Jan 2024
Starting a new school year in the United States can involve several administrative and financial tasks. Enrollment requirements, school supply lists, transportation arrangements, meal programs, and extracurricular activities can vary between districts and schools.
For many immigrant families, the process may also involve adapting to a school system that works differently from those in Mexico, Colombia, Guatemala, El Salvador, Honduras, and other countries. Understanding how schools operate, what documents are typically required, and how to prepare financially can make the transition smoother.
This guide explains what to expect during the back to school season in the U.S., how school enrollment works, what supplies children may need, and how to prepare for the school year with confidence.
Unlike some countries that follow a national academic calendar, school start dates in the United States are generally determined by states, school districts, and local education authorities.
Most public schools begin classes between early August and early September.
The table below shows common start periods for several major states during the 2026 school year.
| State | Typical 2026 school start period |
|---|---|
| Alabama | Early August |
| Alaska | Mid-August |
| Arizona | Late July to early August |
| Arkansas | Mid-August |
| California | Early to mid-August |
| Colorado | Mid-August |
| Connecticut | Late August to early September |
| Delaware | Early September |
| Florida | Early to mid-August |
| Georgia | Early August |
| Hawaii | Early August |
| Idaho | Late August |
| Illinois | Late August |
| Indiana | Early to mid-August |
| Iowa | Late August |
| Kansas | Mid-August |
| Kentucky | Early to mid-August |
| Louisiana | Early August |
| Maine | Early September |
| Maryland | Early August |
| Massachusetts | Late August to early September |
| Michigan | Early September |
| Minnesota | Early September |
| Mississippi | Early August |
| Missouri | Late August |
| Montana | Early September |
| Nebraska | Mid-August |
| Nevada | Early August |
| New Hampshire | Early September |
| New Jersey | Early September |
| New Mexico | Early August |
| New York | Early September |
| North Carolina | Late August |
| North Dakota | Late August |
| Ohio | Late August |
| Oklahoma | Mid-August |
| Oregon | Early September |
| Pennsylvania | Late August |
| Rhode Island | Early September |
| South Carolina | Late August |
| South Dakota | Mid-August |
| Tennessee | Early to Mid-August |
| Texas | Early to mid-August |
| Utah | Mid-August |
| Vermont | Early September |
| Virginia | Mid to late August |
| Washington | Early September |
| West Virginia | Late August |
| Wisconsin | Early September |
| Wyoming | Late August |
Source: https://us-school-calendar.com/first-day-of-school-2026
The school year generally runs from August or September through May or June. Winter break, spring break, teacher workdays, and holidays are scheduled throughout the year.
Because school calendars can differ even within the same city, families should always verify dates directly with the local school district.
One of the most noticeable differences is the strong role of local school districts. Curriculum decisions, school calendars, transportation policies, and enrollment procedures can vary from one district to another.
Schools are generally organized into:
Grade levels may differ slightly depending on the district.
Another difference involves parental communication. Schools frequently use online portals, email notifications, text messages, and mobile applications to share grades, attendance records, schedules, and announcements.
Parents may also encounter:
Students who arrive from another country may qualify for English learner services designed to support language development while continuing their academic education.
Most public schools ask families to provide documents during enrollment that are typically used to confirm a child's age, home address, vaccination history, and prior education.
Commonly requested documents include:
Enrollment can be completed online, in person, or through a district enrollment center.
One of the most important facts for immigrant families to understand is that children have a constitutional right to attend public elementary and secondary schools regardless of their immigration status. This protection comes from the U.S. Supreme Court decision in Plyler v. Doe
As a result, public schools generally cannot deny enrollment solely because a child or parent lacks immigration documentation.
School districts may still request documents that establish residency within the district and verify a child's age, but immigration status is not a requirement for access to public education.
Families who recently arrived in the United States and do not yet have all prior school records should contact the district directly. Many schools have procedures for assisting students during the enrollment process while records are being obtained.
School supply requirements in the United States are often determined by individual schools or teachers rather than a national standard. In addition to notebooks and pencils, families may be asked to provide classroom supplies such as tissues, disinfecting wipes, folders, headphones, calculators, or art materials depending on the grade level. Unlike some countries like Mexico's Becas Benito Juárez, children in the U.S. do not receive cash stipends for school supplies.
Teachers often publish detailed lists before the school year begins. Depending on the grade level, families may be asked to purchase:
Some classrooms also request community supplies that are shared among students.
When it comes to school supplies, the costs can add up quickly. However there are some strategies that may help reduce expenses:
Some teachers provide additional guidance during the first weeks of school.
The total cost of a school year is often easier to manage when families plan for it as an ongoing expense rather than isolated expenses. A budget that covers the entire academic year can help reduce unexpected financial pressure.
When preparing a back to school budget, families may also need to consider:
Creating a seasonal budget can make these expenses easier to manage. A useful approach can be to divide costs into three main categories:
These may include uniforms, school supplies, and transportation arrangements before classes begin.
Lunch money, transportation, activity fees, and classroom contributions that continue throughout the year.
Field trips, special projects, replacement supplies, and school events can appear with limited notice.
Considering those three categories can help families avoid relying on emergency funds during the school year. However, it is always important to consider your context and plan according to your own needs.
Accessing available school support programs can help reduce some of the challenges families face during the academic year. School districts frequently partner with local organizations to provide services that support student success both inside and outside the classroom. These resources can help families navigate academic, language, and financial barriers that may arise during the school year.
Available resources vary by location but may include:
Eligible students may qualify for breakfast and lunch programs offered through their school district.
Students developing English skills may receive language instruction and academic support.
Schools, community centers, and nonprofit organizations often provide academic enrichment and recreational activities.
Some districts, churches, and community organizations distribute backpacks and school supplies before the academic year begins.
Certain districts maintain offices that help families access educational resources, translation services, and community support programs.
These programs are designed to help students participate fully in school regardless of their family's circumstances. Checking what is available locally can help families take advantage of resources that support learning, nutrition, and school involvement.
Back-to-school season can involve a wide range of financial responsibilities. School supplies, transportation costs, lunch expenses, extracurricular activities, and classroom contributions can create recurring expenses throughout the year.
For families who also support relatives abroad, the back-to-school season may extend beyond the United States. Some immigrants may contribute to support the educational expenses for children back home.
Común offers remittance services that allow eligible customers to send money to Latin America directly through the app, with fees starting at $2.99.
For everyday financial management, eligible customers can open an account using an ITIN, a passport, or more than 100 accepted Latin American IDs. Común also offers features that can help families manage school-year spending, including direct deposit, debit card access, and customer support in Spanish through the app with no mínimum balance requirements or monthly maintenance fees.
For group expenses such as field trips, classroom activities, sports teams, or shared school purchases, ComunPay can help parents collect and send payments directly from the app.
This school year, organizing expenses in one place can make it easier to track spending, support family members, and prepare for school-related costs throughout the year.
Public schools cannot deny enrollment solely because of a child's or parent's immigration status. School districts commonly request proof of age, residency, and immunization records, but immigration documentation is generally not required for enrollment.
Most schools begin classes between early August and early September. Exact dates vary by state, district, and school system.
It depends. Teachers often provide detailed lists that may include classroom supplies, technology accessories, and shared materials used throughout the school year.
Vaccination requirements vary by state and school district. Schools typically provide a list of required immunizations during enrollment, and additional guidance may be available through local health departments.
Many public schools offer English learning programs that provide language support while students continue learning grade-level subjects. Additional tutoring and community programs may also be available locally.
Some school districts, nonprofit organizations, religious institutions, and community groups distribute school supplies or provide financial assistance before the academic year begins. Availability depends on the location and program requirements.

Living in the United States
8 min read

December 18, 2025
Immigrants living in the United States should become familiar with several terms and procedures to ensure their long-term stay in the country.
One way to compile all the information related to your immigration process is through the A-Number or Alien Registration Number. This identifier is assigned by the Department of Homeland Security (DHS) to foreign nationals residing in the country.
It’s very important to know this information, as it serves as the identification number for your immigration file.
In this article, we’ll explain what the Alien Registration Number is, what it’s used for, and why it’s so important for immigration procedures.
The first step to identifying an A-Number is knowing that it always begins with the letter “A” and contains 8 or 9 digits.
The main function of this number is to allow USCIS and other agencies to quickly track immigration cases and applications related to each person.
Here are some examples of when the A-Number is used:
To locate your A-Number, you can check several official documents issued by USCIS or DHS, such as:
Below we break down how the A-Number appears on various official documents.
Document
Location
Permanent Resident Card
On the front, next to “USCIS#” or “A#.”
Work Permit (EAD)
On the front
USCIS Notices
In the upper corner or near the applicant’s name
Immigration court documents
At the top of the document.
This is a unique number assigned only to individuals with formal and permanent files in U.S. immigration agencies, such as:
On the other hand, temporary visitors such as tourists, students, or non-immigrant visa holders do not receive an A-Number since their cases do not require a permanent immigration file.
The A-Number is a central identifier used in multiple immigration procedures needed to regularize your status in the country.
Here are the most common uses of the A-Number in immigration processes.
If you want to track the status of your pending applications, such as permanent residence, work permit, or adjustment of status, you need to enter your A-Number in the USCIS Case Status system.
This way, you can know exactly which stage your case is in and stay informed of updates to ensure your process stays on track.
It’s essential to keep your immigration records updated. If you change your address, phone number, or legal name, your A-Number will help you update your information.
This helps ensure you receive official notifications and avoid delays in important procedures.
Since the A-Number functions as a unique identifier, it also helps avoid confusion between applicants with the same or similar names.
Be sure to use your A-Number correctly when filling out forms or official documents so that all your information stays under the same file and saves time when searching for a document or specific information.
In short, this number helps simplify the immigration process for immigrants and provides a sense of security and control during procedures that can often cause stress and uncertainty.
If you don’t have an A-Number, remember that USCIS assigns one once you start an immigration process in the United States. If you already have one but can’t remember it, follow these tips to locate it.
Avoid using a fake A-Number, as this could cause problems with immigration authorities.
As you can see, the A-Number is essential to staying organized during immigration procedures. It helps keep your documents together in one file, making them easier to locate and reducing the risk of delays caused by mistakes.
Another important aspect of immigrant life in the U.S. is having the right tools to keep personal finances organized.
Meet Comun, the platform designed to help immigrants manage their finances with ease.
Here are some of the benefits Comun offers:
Want to discover a truly fair and accessible financial service? Open your Comun account today!
Just as your A-Number helps you keep your immigration documents organized, Comun helps you maintain your financial stability in the United States.
If you still have questions, check out our FAQ section.
The USCIS number appears on your permanent resident card or work permit. It’s actually the same identifier as your A-Number, which appears on these documents preceded by “USCIS#.”
The Alien Registration Number is the official name for the A-Number assigned by DHS or USCIS to individuals who are not U.S. citizens, allowing them to track their immigration process through a unique file.

Living in the United States
8 min read

December 18, 2025
Although moving to the United States brings a number of benefits due to the wide range of job opportunities available, it also presents challenges, such as the language barrier, which can limit opportunities for many immigrants who have not had access to formal language education.
While it may seem like a difficult goal to achieve, speaking English can make many aspects of daily life easier — such as getting a job, going to school, or handling important paperwork.
Fortunately, technology allows more people to learn English for free and easily, through platforms and mobile apps that offer lessons from anywhere. Below, we’ll show you some of the best options for immigrants who live or plan to live in the United States to learn English.
For many people, taking in-person English classes isn’t always the best option due to cost, schedules, and transportation challenges. If you face any of these obstacles, you should know about practical alternatives from educational institutions and online platforms — ideal for those who prefer a more academic or progressive learning path.
Below, we present 5 reliable alternatives for learning English online.
This is one of the most prestigious English teaching institutions worldwide. Its platform offers a variety of courses for beginner, intermediate, and advanced students, segmented by skills: listening comprehension, grammar, writing, and conversation.
It stands out as a very complete option since students can supplement lessons with various materials such as podcasts, videos, and exercises prepared by certified English teachers.
Coursera is a platform that offers free English courses in collaboration with prestigious universities, maintaining an academic and professional focus.
This is an excellent option if you’re looking to improve your English to access better job opportunities or refine specific skills to sound more like a native speaker.
This platform focuses on teaching English through current content, such as international and cultural news. It’s an ideal alternative for students who want to improve listening comprehension and expand their vocabulary.
This is an official U.S. government platform. It is specifically designed for people who want to acquire basic language skills to handle real-life situations such as visiting the doctor, ordering food, or completing immigration paperwork.
Alison is another dynamic alternative that offers a variety of free courses across different levels and practical skills. Students can also focus on specific areas, such as business English or preparation for certifications like the TOEFL.
Platform
Type of Course
Level
Main Benefit
British Council
Courses segmented by skills, general English.
From beginner to advanced.
Structured learning units with rich study materials.
Coursera
Academic and professional English.
From intermediate to advanced.
Courses focused on improving professional communication skills.
BBC Learning English
Everyday English.
From beginner to advanced.
Short lessons based on current topics.
USA Learns
Practical English.
Beginner.
Designed to equip students with the skills needed to communicate in everyday situations.
Alison
Business English and official certification preparation.
From beginner to advanced.
Offers the option to earn official digital certificates.
In addition to the options above, you can also explore other alternatives known for their flexibility in helping you learn English easily.
Mobile language-learning apps let users study anywhere, anytime, and serve as a fun complement to traditional courses.
Duolingo is the most famous and culturally influential app. It uses gamified lessons that unlock progressively as users acquire new skills. It’s ideal for building vocabulary.
Mondly focuses on conversational practice and pronunciation using tools like voice recognition and artificial intelligence to interact with virtual characters.
Busuu is one of the most comprehensive language-learning apps. In addition to structured lessons based on the Common European Framework, it allows students to interact with native speakers.
Memrise focuses on improving listening comprehension and learning new vocabulary through videos of real-life situations presented by native English speakers.
HelloTalk makes English practice easier by connecting people around the world interested in cultural and language exchange.
As you can see, there are many ways to learn and improve your English. Each has different approaches and benefits, so there’s no single “best option” — it depends on your level and specific needs.
Before deciding which online English course is best for you, consider these recommendations:
The most important factor in making language study effective is consistency, regardless of which platform you choose.
In addition to the classes on platforms or the interactive resources in apps, it’s important to incorporate strategies that help improve your confidence and fluency when communicating in English.
Here are some practical tips designed to make life easier for immigrants in the United States.
In this article, we explained why learning English is important if you plan to live in the U.S., and showed you various platforms and apps designed to help you build essential language skills.
Fortunately, the immigrant community in the U.S. has allies dedicated to supporting them through their adaptation and growth in the country.
Discover Comun — the digital platform designed to meet the financial needs of immigrants.
At Comun, we believe every new learning step brings you closer to your dreams: learning English and organizing your money with Comun are steps toward achieving your goals in the United States.
There are several English course options. If you have no prior knowledge, it’s recommended to start with British Council courses and complement with Duolingo.
It depends on your consistency. If you dedicate even a small amount of time daily, you should notice improvement within three months.
There isn’t just one method to learn English. Try combining practice across different language skills using interactive platforms.

International Money Transfers
8 min read

December 18, 2025
Being far from family and friends is one of the main challenges faced by immigrants living in the United States. Fortunately, sending mail is a way to maintain the bond with loved ones across borders.
In the United States there are several options for sending packages to Mexico. Below we explain the features of each service so you can choose the one that best fits your budget and needs.
There are two shipping options from the United States to Mexico: through USPS or private courier companies.
These are the main United States Postal Service (USPS) shipping services and their characteristics. Please refer to their website for the most up-to-date information.
There are also private courier company alternatives that offer excellent service and additional shipping options. Please refer to each courier’s website for most up-to-date information.
Below is a comparison table to help you view the information more clearly.
Company
Type of Service
Estimated Cost
Average Time
USPS
Priority Mail Express
From $59.50
3–5 business days
USPS
Priority Mail
From $30.90
6–10 business days
USPS
First-Class Mail
From $14.05 for envelopes
7–20 business days
FedEx
International Express Service
Prices vary depending on size and weight
3–5 business days
UPS
International Express Service
Prices vary depending on size and weight
2–5 business days
DHL
International Express Service
Prices vary depending on size and weight
2–5 business days
As seen in the previous section, it is impossible to precisely estimate the shipping cost and time for each courier service from the U.S. to Mexico. Several factors influence the final result, explained below.
This is the main factor that affects the final cost of an international shipment — the heavier and bulkier the package, the higher the rate. Also check whether the company has a maximum shipping weight.
The final destination also matters. Sending a package to Mexico City is usually cheaper than to a rural area.
Express or priority shipping services are faster and therefore more expensive.
If you ship during Christmas, New Year or high-demand dates, expect possible delays or extra costs.
Before going to your preferred shipping carrier’s office, make sure all information is ready to avoid delays and ensure your package reaches your loved ones without issues.
Make sure your package does not contain restricted items for entry into Mexico, such as perishable food, flammable liquids or counterfeit goods. If unsure, check customs rules.
Use a proper box or purchase one at the post office. If the contents are fragile, protect them well and place the label correctly when closing the box.
Double-check as many times as needed that recipient details (name, ZIP code, neighborhood) are accurate. Even small errors can send a package to the wrong place.
Finally, keep the tracking number and receipt; they let you track the package and clarify any issues if needed.
We understand how important it is for immigrants to send packages to Mexico from the United States. More than a packaged product, it represents birthday gifts, greetings from afar, and fulfilled dreams for the people you love most.
That’s why it’s important to follow these tips when sending a package to Mexico.
Sending packages to your loved ones in Mexico is a way to show them they’re still important to you. That’s why planning your shipments—and your finances—is essential.
Get to know Común, the digital platform that helps immigrants manage their money in the most accessible way, as you can open an account using a qualifying official identification from your home country.
Just as your packages travel with care, Común supports your financial well-being.
Open your account with Común and stay connected with your loved ones through remittances.
If you still have questions, check the following section.
It depends on the courier company, but in general, an express service takes 3 to 5 business days.
When you send your package, you’ll receive a tracking number so you can follow it until it reaches its destination. Some courier options only provide tracking until it leaves the United States.
The USPS First-Class Package International Service is ideal for economical shipments, though the delivery time is usually longer.

Financial Education
8 min read

December 18, 2025
Having access to affordable financial services with features that let you carry out multiple operations in one place is essential for immigrants living and working in the United States.
Digital banks are a comprehensive solution that combines financial management with mobile technology to streamline processes compared with traditional banks.
These features are especially beneficial for immigrants looking for an alternative to access services that are often less feasible through institutions with physical branches.
In this guide, we explain why you should consider integrating digital banking into your lifestyle, how to open an account, and options for digital banks in the United States.
A digital account is a financial product that operates entirely online through mobile applications and digital platforms (website), removing the need to travel to a physical location to complete banking operations.
Here are some benefits of digital accounts.
Opening a digital account is usually simpler than with traditional financial institutions—not only because it can be done from a mobile device, but also due to flexible requirements that allow immigrant communities to access financial services with the same quality standards.
These are the steps to open a digital account in the United States.
Required Documents
Unlike traditional banking services, you can open a digital account with documents you use day to day.
Once you have your documents ready, follow these steps.
Go to the digital bank’s website or mobile application of your choice and enter your personal information to register.
For security reasons, digital banks require an identity verification process that includes submitting an official ID, a selfie, and, in some cases, facial recognition.
Once the digital bank verifies your identity, you’ll receive an activation notice. Immediately afterward, you can access all services, set up direct deposits, send money in real time, and manage your finances.
If you’re wondering which digital platform for immigrants is ideal, there are several effective options, so it’s best to compare them and choose the one that best fits your expectations.
Fees: Affordable fees for international money transfers to Latin America.
Ease of use: Open an account from a mobile device with a qualifying official identification from your home country.
Spanish support available: offers 24/7 customer service also available in Spanish via WhatsApp or the mobile app itself.
Mobile access: you have access to a mobile app for comprehensive financial management.
Zelle compatibility: not integrated.
Fees: most accounts do not charge monthly maintenance fees. Approximately $20 for domestic wire transfers.
Ease of use: a 100% digital platform offering a mobile application and a website.
Spanish support: limited Spanish-language service.
Mobile access: service compatible with mobile devices.
Zelle compatibility: integrated.
Fees: maintenance and overdraft fees vary by account type.
Ease of use: offers mobile banking, online banking, and a digital assistant.
Spanish support: available.
Mobile access: full mobile features.
Zelle compatibility: integrated.
Fees: charges a 1–3% fee for adding money via credit or debit card.
Ease of use: offers comprehensive, easy-to-use digital products.
Spanish support: you can change the app language, but there is no Spanish-language support.
Mobile access: fully available.
Zelle compatibility: not integrated.
Fees: offers international USD transfers at no additional cost.
Ease of use: focused on corporate and tech companies.
Spanish support: not available.
Mobile access: fully available, but more focused on web dashboards.
Zelle compatibility: not integrated.
Cash App is another efficient financial platform—here we explain its benefits.
Although digital platforms offer security measures to protect your assets, it’s always wise to keep the following recommendations in mind to reduce risks.
In this article, we presented a practical alternative to traditional institutions so you can decide which digital bank in the United States fits your needs.
Común is not a bank, but a digital platform, it offers a mobile app and a debit card that work together to provide a service ideally for the immigrant community.
You can open an account with qualifying official identification from your home country and a mobile device to access the financial service you deserve.
Open your account with Común and start sending, receiving, and withdrawing money.
If you still have questions, see the section below.
Unlike traditional banks, digital accounts often have more flexible requirements, and it may be possible to open one with a qualifying official identification from your home country and, in some cases, proof of address in the United States.
Yes, digital banks in the United States have security measures such as two-step verification and encryption. It’s advisable to apply all possible security measures, such as using a strong password and enabling notifications.

Financial Education
8 min read

December 18, 2025
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.
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:
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.
A risk profile is an investor’s ability to handle potential losses caused by market fluctuations.
These are the three main types.
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.
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.
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.
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.
Take stock of your finances—consider your income, monthly expenses, debts, and existing savings.
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.
Based on your budget, determine how much you can allocate to your initial investment and whether you can increase it later.
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.
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 pool money from multiple investors to buy stocks or bonds.
Main Benefits:
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:
Bonds are loans to companies or governments that pay interest periodically and generally carry lower risk.
Main Benefits:
An accessible option that allows you to invest from a mobile application.
Main Benefits:
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.
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.
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.
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.
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.
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.
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.

Living in the United States
8 min read

December 18, 2025
Although getting a job in the United States brings a series of benefits for the quality of life of immigrants and their families, it also means committing to fulfilling the obligations required by the country's laws.
Filing a tax return is one of the processes everyone who has earned income must complete. This is done by submitting a report of annual income to the Internal Revenue Service (IRS).
Filing a tax return is particularly important for everyone, as it opens the door to access financial services such as mortgage and personal loans, which in turn help build a financial record especially for immigrants.
Filing taxes is a stressful and often confusing process for most people, especially when it involves understanding the tax institutions of another country.
Below, we show you a step-by-step guide to help you fulfill your tax obligations in the U.S. and access the benefits that come with it, such as receiving refunds and building a financial record in the country.
The first thing you should know to file your tax return in the U.S. is the documentation required by the IRS to process your information.
Make sure you have the following documents:
It is important to stay alert during tax season and prepare in advance to meet the deadlines established by law.
Follow these steps to ease the stress of tax obligations.
The first step is to gather all the necessary documents to file your annual tax return.
Once you have your documentation in order, you must decide how you will file your return: on your own or with professional help.
Keep in mind that the deadline to file your tax return is usually April 15 each year. It is essential to submit your tax return within the deadline to avoid penalties and delays in receiving your refund.
As mentioned before, there are different ways to file your tax return, which vary in cost and level of support offered. The best option depends on several factors, such as your income level and how familiar you are with tax topics.
Below is a comparative table of the different ways to file taxes in the United States.
Method
Approximate cost
Level of support
Doing it yourself with IRS-approved software
Free or up to $25
Low. Although the platform guides you step by step, you must enter all the information yourself.
With the support of community organizations
Free or up to $50
Medium. You receive assistance from certified volunteers.
With private preparers or accountants
$150 to $500, depending on complexity
High. The preparer does all the work and answers your questions.
If this is your first time filing taxes in the United States, it may seem like a very complex task. Keep these tips in mind to ease the stress associated with the process.
We’ve shown that the tax filing process is not as complicated as it seems. Now you know which steps to take and which method to use based on your situation.
Just as filing taxes helps you organize your financial situation, Común helps you manage your day-to-day finances.
Discover all the benefits of Común!
Discover Común, the option dedicated to serving the needs of immigrant communities in the United States, with support available in Spanish.
If you still have questions, check this section.
Not filing your tax return may result in IRS penalties, accumulated interest, and withheld future refunds.
If you do not have a Social Security Number, you can apply for an ITIN.
It depends on your situation: if you have only one source of income, you can use software, but if your income is higher or more complex, the best option is to consult a professional.

Immigration
8 min read

April 7, 2026
The United States offers a wide variety of visas to include as many profiles as possible that can contribute their knowledge to the country.
One example is the O1 visa, intended for foreign nationals who possess extraordinary abilities in fields such as science, sports, and the arts.
This visa has very specific criteria. Therefore, in this article, we explain the requirements established by the U.S. government to obtain it, the classification of O1 visa types, and the documents required during the application process.
If you are looking for an alternative to obtain a work visa in a highly competitive field, the O1 visa could open the door to a new life.
The O1 is a U.S. nonimmigrant visa aimed at foreign nationals with extraordinary abilities or outstanding achievements in specific areas.
The concept of “extraordinary ability” can seem a bit ambiguous, but in this context, USCIS refers to individuals who have reached such a level of excellence in their field that they have verifiable national or international recognition.
This visa is divided into two main categories:
For individuals with extraordinary achievements in science, education, business, or athletics.
For individuals with extraordinary ability in the arts, motion picture, or television industry.
As you can see, it is an immigration document that demands a high level of achievement from applicants in specific areas of work.
To qualify for an O1 visa, applicants must meet a series of requirements established by USCIS.
Below are the main requirements for the two categories of this visa.
Applicants with outstanding achievements in science, education, business, or athletics must demonstrate they meet the following eligibility criteria:
Applicants with outstanding achievements in the arts, film, or television industry can demonstrate eligibility if they meet the following requirements:
It is important to note that it is not necessary to meet all these requirements, but the more criteria the applicant fulfills, the easier it will be to obtain the visa.
In both cases, applicants must have a job offer or a sponsor in the United States.
In addition to meeting the criteria, the applicant must have the following documents to prepare a complete application.
This form must be filed by the U.S. employer or agent and should include the following details:
This letter is essential to support the applicant’s experience in their field. It must be issued by a group of peers, a union, or an expert entity.
It is a document signed by the applicant and the employer that sets out the terms and conditions of employment, responsibilities, and duration.
Additionally, the previously mentioned requirements can be supported with the following documentation:
If you have any doubts about your application process, consult an immigration attorney who can help you determine whether your profile fits this type of visa, which is often considered an elite category. Keep in mind that there are other options such as the EB-1 and H-1B visas.
In this article, we explained that the O1 is the visa for individuals with extraordinary abilities, aimed at people with outstanding performance in science, sports, and the arts. We also covered the approval requirements and documentation needed to demonstrate that you belong to the groups covered by this work authorization.
Arriving in a new country to work involves many changes and learning to adapt to customs and regulations. When it comes to managing money effectively, it is essential that immigrants have access to quality financial services.
Discover Común, the financial platform that makes life easier for immigrants in the U.S.!
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No, the O1 visa always requires a sponsor to initiate the process. This sponsorship may be provided by a U.S. employer or an agency that acts as an intermediary between the applicant and contractors in the United States.
Although this visa cannot be self-petitioned, there is an option to hire an agent to submit the initial petition.
The most common investor visa is the EB-5, which requires a minimum investment of $1,050,000 if the investment is made in a rural area or one with high unemployment.
A key requirement is that the project must create or maintain at least 10 full-time jobs in the United States.
Another investor visa option is the E-2, or treaty investment visa, which does not require a fixed amount but requires the applicant to prove that the investment is large enough to generate a positive impact.
The documents that usually carry the most weight for O1 visa approval are those that demonstrate sustained and verifiable recognition.
For example:
Although it is not necessary to present all these documents, the more evidence there is, the greater the chances of approval.
The initial duration is 3 years, depending on the project. Extensions of 1 year can be requested as long as the requirements continue to be met.

Immigration
8 min read

December 18, 2025
Getting a stable and well-paid job is the main goal of thousands of immigrants who come to the United States in search of a better quality of life.
For this reason, it’s essential to have an optimized resume (“CV”) that summarizes personal information, work experience, academic background, and all relevant details for recruiters and hiring managers.
You’ve probably faced the challenge of writing and refining a CV to apply for a job in your home country.
However, knowing the standards in Latin America is not enough, as U.S. resumes have key differences, such as length and focus on measurable results.
Mastering a new resume format can be challenging, and the process can be frustrating if you don’t hear back after sending multiple applications.
This doesn’t necessarily mean you lack the required skills — your resume might simply need some adjustments to get noticed by U.S. recruiters.
In this article, we aim to make the process easier for immigrant job seekers through a complete guide and sample resumes that will help you create your own by the end of the reading.
Even if you know how to write a resume in Latin America, it’s essential to understand the key differences compared to the U.S. standard.
Here are the main differences between a professional CV in Latin America and a U.S. resume.
In Latin America, it’s common to see two-page CVs, while the American resume is usually limited to one page.
U.S. recruiters look for quantifiable data and measurable results, while in Latin America it’s more common to include task descriptions and responsibilities.
To prevent discrimination, U.S. resumes do not typically include a photo, age, or nationality.
The use of ATS (Applicant Tracking Systems) to detect keywords is widespread among U.S. companies.
While Latin American CVs often use colorful or elaborate designs, U.S. recruiters prefer minimalist formats to make information easier to read.
Understanding these differences is crucial for immigrants, as it increases the chances of being considered by both recruiters and automated systems.
Here’s a step-by-step guide to writing a strong U.S. resume that passes ATS filters and captures recruiters’ attention.
Avoid flashy designs, as they can make reading difficult and hurt your ATS score. Choose a clean, organized, and easy-to-scan format.
Include your full name, U.S. phone number, professional email address, and LinkedIn profile link.
Remember that you do not need to include a photo, date of birth, or marital status.
Your profile should be concise and include relevant keywords. This section should be a short paragraph summarizing your work history, interests, achievements, and career goals.
It’s essential to list your work experience clearly and in chronological order.
To write your professional achievements, use the XYZ formula, structured as follows:
For example:
“Improved the brand’s visual identity through an e-commerce rebranding project, reducing cart abandonment by 50%.”
List your academic background, including institution name, degree, and attendance dates.
The skills section is key to making your resume stand out.
It’s recommended to separate this section into soft skills and technical skills.
Depending on the vacancy and your profile, you can include additional sections, such as languages, certifications, or volunteer experience.
This information can set you apart from other candidates, as it gives you additional skills that could be relevant to the position.
Here’s an example of how an optimized resume should look, according to U.S. company standards.
On this page, you can download CV templates in English to customize yours according to your experience.
The last step is to adapt this example to your own professional profile and career path, which may differ depending on whether you are a recent graduate or already have experience.
Here are some things to avoid when writing your resume.
Having a strong resume is key to successfully entering the U.S. job market.
Just as a resume opens the door to great job opportunities, Común opens the door to financial stability for immigrants.
Discover Común, the option designed to serve the needs of immigrant communities in the U.S., with service available in Spanish.
Discover All the Benefits of Común!
Discover Común, the option dedicated to meeting the needs of immigrant communities in the United States with services available in Spanish.
If you still have questions, check out the next section.
It’s not necessary to include references in your resume, as companies usually request them later in the hiring process.
The 3 most important details are: contact information, professional experience, and skills.
The resume format used in the U.S. is becoming common in other countries, so the language should match the job posting.







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