SEP-logo_icon.png

<p data-children-count="0">Bank fees can be a pain, especially when you unexpectedly find them on your monthly statement. If you’ve experienced something similar and you’re feeling uncertain about the terms of your banking services, <em>it may be time for a change</em>.&nbsp;&nbsp;</p><p data-children-count="0">With the PODERcard Debit account, you can finally trust your banking services. You no longer have to worry about unexpected fees, as the <span>PODERcard Debit</span> has no minimum balance requirements*. Most importantly, you can understand all your <span>PODERcard Debit</span> account details and ask clarifying questions by contacting our bilingual customer service team.</p><p data-children-count="0">Below you’ll discover all the benefits of a PODERcard Debit account, including convenient features like online bill pay, free money transfers to other <span>PODERcard Debit cardholders, and more</span>!</p>

rewards_banner_ad_background_MOBILE.png

Take a survey today!

<h2>User-friendly features of <span>PODERcard Debit</span></h2><p>The <span>PODERcard Debit</span> digital bank account offers helpful features that make managing your finances easier and more efficient. Once you’ve<a href="https://podercard.zendesk.com/hc/en-us/articles/360043632673--C%C3%B3mo-puedo-activar-mi-PODERcard-" target="_blank"> activated your PODERcard Debit account</a> and<a href="https://podercard.zendesk.com/hc/en-us/articles/360043632553--C%C3%B3mo-agrego-dinero-en-mi-PODERcard-" target="_blank"> added money</a>, you’ll be able to:</p><ol><li>Receive real-time notifications about every transaction. You’ll be able to closely monitor your account balance and manage your finances.</li><li>Make purchases offline and online with your <span>PODERcard Debit</span>.</li><li>Pay your electricity, gas, water bills etc. using <a href="https://podercard.zendesk.com/hc/en-us/articles/360050435153--Qu%C3%A9-cuentas-puedo-pagar-" target="_blank">PODERcard Debit's Bill Pay service</a>.</li><li><a href="https://podercard.zendesk.com/hc/en-us/articles/360050435413--C%C3%B3mo-env%C3%ADo-dinero-a-otro-tarjetahabiente-de-PODERcard-" target="_blank">Transfer money</a> to friends and loved ones who are also cardholders <strong>instantly</strong>, <strong>for free</strong>.</li><li>Protect your PODERcard account with the ability to <a href="https://podercard.zendesk.com/hc/en-us/articles/360049644094--C%C3%B3mo-bloqueo-o-desbloqueo-mi-tarjeta-de-d%C3%A9bito-PODERcard-" target="_blank">lock and unlock your card</a> from the mobile app.</li></ol><p>Best of all if you’re unsure about any aspect of your <span>PODERcard Debit</span> you can get in touch with our customer service team and they’ll help clarify any questions.</p><p>Feel free to <a href="https://podercard.zendesk.com/hc/en-us/articles/360043632893--C%C3%B3mo-me-comunico-con-el-equipo-de-Atenci%C3%B3n-al-Cliente-de-PODERcard-" target="_blank">contact us by phone or via the app</a>.</p><h2>Add funds to enjoy benefits</h2><p>If you’ve already activated your <span>PODERcard Debit</span>, the next step is to add funds and make the most of your new digital bank account. The good news is that you’ve got several options for <a href="https://podercard.zendesk.com/hc/en-us/articles/360043632553--C%C3%B3mo-agrego-dinero-en-mi-PODERcard-" target="_blank">adding money</a>.</p><p>As soon as you add money, you can start using your <span>PODERcard Debit</span> and enjoy the numerous benefits mentioned above.</p><h2>Designed with you in mind</h2><p>SABEResPODER’s primary mission is to empower the Hispanic community and for this reason we offer a range of financial, educational, health and legal services. Since we know your time is valuable, we only offer products that we’ve thoroughly vetted.</p><p>The <span>PODERcard Debit</span> bank account was created with this goal in mind. Unlike other financial services, the <span>PODERcard Debit</span> doesn’t have hidden fees or confusing terms. This digital bank account provides a user-friendly banking experience free of the usual challenges.</p><p>If your loved ones also have <span>PODERcard Debit accounts</span>, you’ll be able to easily <a href="https://podercard.zendesk.com/hc/en-us/articles/360050435413--C%C3%B3mo-env%C3%ADo-dinero-a-otro-tarjetahabiente-de-PODERcard-" data-children-count="0" target="_blank">send money</a> to each other for free. So to make the most of your <span>PODERcard Debit</span> we recommend sharing it with your friends and family.</p>

<p data-children-count="0"><em>*See </em><a href="https://assets.contentstack.io/v3/assets/bltd488044897c9abc0/blt1a442209fd83a7f2/thread_daa.pdf" target="_blank"><em>Deposit Account Agreement</em></a><em> for fees and additional details.</em></p>

With a PODERcard Debit account, you can finally trust your banking services. Read on to find out more! 

Tarjeta_de_Membresía_de_SABEResPODER_-_Header_Image.jpeg

Handle Your Finances Free of Stress With PODERcard Debit

<p>Can you imagine making money right from your smartphone? It almost seems too good to be true, but you can make it a reality! Leveraging technology to generate extra income is on the rise, and one popular method is by using mobile apps. There are an increasing number of money-making apps available that you can tailor to your needs, like how much time you have and what you hope to earn. Read on for some of the best money-making apps for 2022.&nbsp;</p>

Earn rewards today

<h2>Can You Profit from Mobile Apps?</h2>
<p>Many people tend to be skeptical of earning money through apps, believing it a myth or waste of time. The truth is that while you can certainly make money with apps, the amount you earn will depend on how much time and effort you put into it. Each platform has its own unique characteristics that influence your potential earnings, so it’s important to familiarize yourself with the various apps to determine which one is the best fit.</p>
<p><strong><em>Keep in mind:</em></strong> While you can earn money using mobile apps, don't believe the hype that claims you’ll become a millionaire overnight. These platforms are great for earning extra money, but should not be considered your sole source of income.</p><h2>How Does a Money-Making App Work?</h2>
<p>Money-making apps function in different ways. Typically, you’ll be asked to complete a series of short tasks that will generate a profit based on your efforts. Some apps require you to connect your social media profiles to confirm your identity and expand the app's network.</p>
<p>You can download the apps to your smartphone from the Play Store, App Store, or directly from the official product platforms. Generally, the most common apps will ask you to perform <a href="https://www.nerdwallet.com/article/finance/money-making-apps" target="_blank">tasks</a> such as:&nbsp;</p><ul><li>Clicking on ads</li><li>Copy and pasting texts&nbsp;</li><li>Answering surveys and quizzes</li><li>Filling out opinion surveys&nbsp;</li><li>Watching videos</li><li>Testing other apps and platforms</li><li>Shopping online&nbsp;</li><li>Running apps in the background</li><li>Playing video games&nbsp;</li><li>Inviting a friend to download an app</li></ul><h2>The Best Apps to Generate Extra Income</h2>
<p>Numerous apps can help you generate additional income using your smartphone or mobile device. Nowadays, there are more and more opportunities to engage with companies that value your input and will pay you for your time. At SABEResPODER, we recognize the importance and potential of these tools and have compiled a comprehensive list of the best apps for generating income in 2022.&nbsp;&nbsp;</p><strong>1. </strong><a href="https://saberespoder.com/en/earn?utm_source=sep&amp;utm_medium=web&amp;utm_campaign=article&amp;utm_content=aplicaciones-para-ganar-dinero" target="_blank"><strong>SABEResPODER</strong></a>

AdobeStock_339764828.jpeg

<p>Our website offers one of the most simple and effective income generating solutions on the market. You’ll be able to earn money quickly by answering online surveys and sharing your opinion on different areas of interest of the Latino community. The information you provide helps us design and improve products for Hispanic consumers, so your thoughts are of critical importance to the development process.&nbsp;</p><p>SABEResPODER protects your privacy by ensuring all surveys are anonymous. If you’re ready to make money in a simple and secure way, just visit <a href="https://saberespoder.com/en/earn?utm_source=sep&utm_medium=web&utm_campaign=article&utm_content=aplicaciones-para-ganar-dinero" target="_blank">this link</a> and click "Start earning" to fill out your information and begin answering available surveys. Typically, it takes under 15 minutes to complete a survey. You can also use the <a href="https://link.podercard.com/ToT2YHmIm5?utm_source=sep&utm_medium=web&utm_campaign=article&utm_content=aplicaciones-para-ganar-dinero" target="_blank">PODERcard</a> mobile app to fill out surveys. Simply register, navigate to the "Funds" tab, and then choose the "Earn Rewards" option in the menu.</p><em><strong>Keep in mind: </strong></em>Members can make on average between $0.50 and $5.00 per completed survey. Payment amount depends on the survey length and partner. You have the option to withdraw your funds via PODERcard or a prepaid card mailed to you after accumulating $10.<br/><br/><br/>

Take first survey

<p><br></p><h3>2. <a href="https://play.google.com/store/apps/details?id=com.gameeapp.android.app&hl=en&gl=US" target="_blank">Gamee App&nbsp;</a></h3>
<p>This app contains a large number of games you can play to earn various rewards that are converted into real money. You can withdraw your earnings as soon as you reach $10. The more points you earn, the more opportunities you’ll have for generating income.</p><h3>3. <a href="https://es.igraal.com/" target="_blank">Igraal</a></h3>
<p>This app allows you to earn money by receiving cashback from retail products offered by the platform. Igraal contains numerous sections and product categories, as well as offers from over 500 different brands. When you sign up, you’ll be eligible for a $3 bonus. Once you earn $20 in cashback through the app, you can withdraw funds via PayPal or your bank account, providing a unique opportunity to earn extra money without putting in much effort.</p><h3>4. <a href="https://www.swagbucks.com/" target="_blank">Swagbucks</a></h3>
<p>Another way to earn extra income is by watching ads through Swagbucks. Thanks to its easy-to-use platform, this app has become one of the most popular in recent years. When you register, you’ll receive a $5 bonus, which is deposited into your account along with the funds earned from watching videos and ads in the app. Swagbucks points, the app's currency, can then be converted into real money and transferred to your PayPal account.</p><h3>5. <a href="https://www.remotasks.com/" target="_blank">Remotask</a></h3>
<p>Remotask is another popular platform for earning money quickly by doing simple tasks. To become eligible to participate and earn, you must first register with your email and fill out a profile. Some of the potential tasks include cropping images, converting audio to text, copying and pasting content, and performing Google searches.</p><h3>6. <a href="https://play.google.com/store/apps/details?id=com.sky.sea.cashzine" target="_blank">Cashzine</a></h3>
<p>This app allows you to earn money by reading news and other content, giving you the chance to profit from an activity you probably already do on a daily basis. Cashzine awards points for reading, and once you’ve accumulated $5, you can transfer the funds to your PayPal account. With nearly 5 million registered users, it’s one of the most popular money-making apps today. This platform also has a referral system, which allows you to add coins to your digital wallet that can then be converted into real money.</p><h3>7. <a href="https://submit.shutterstock.com/?language=en" target="_blank">Shutterstock</a></h3>
<p>If you have a talent for photography, this is the platform for you. Shutterstock allows you to monetize your passion by selling your photo collections online. Once you submit your material, the team reviews and filters the images to ensure they’re compliant. When someone purchases your photo, Shutterstock keeps up to 60% of the sale price, and the rest is deposited to your PayPal, Payoneer, or Skrill account.</p><h2>Tips for Using Money-Making Apps</h2>

AdobeStock_263075523.jpeg

<p>One of the most common roadblocks to earning money through mobile apps is a lack of knowledge about how the tools work and what processes must be followed. Don’t stress, all you need is your mobile device and a desire to get down to business!</p>
<p>SABEResPODER created a list of helpful tips so you can get the most out of these apps and earn extra money. A few things to keep in mind:</p><ul><li>Decide which type of app you want to use to generate income. This will help you become familiar with the tasks or actions you’ll need to perform.</li><li>Review the tutorials and guides provided by each app to learn details about the tasks and how you’ll get paid.</li><li>Be consistent. Your earnings will increase over time if you remain committed.</li><li>Set up verified payment methods through which to withdraw your funds.</li><li>Answer surveys and tests as honestly as possible.</li><li>Get your friends and family involved when asked to promote an app or answer surveys for extra bonuses.&nbsp;</li></ul><h2>Are These Apps Worth Using?</h2>
<p>The answer to this question will always <a href="https://www.entrepreneur.com/slideshow/312793" target="_blank">depend on what you expect</a> to gain from these tools. If you want to make a ton of money right away or become a millionaire, the answer is no. However, if you see these apps as a way to supplement your income and use your free time productively, the answer is yes, they’re absolutely worth it!</p>
<p>To make this system work for you, it’s important that you remain consistent. You’ll see an increase in how much you earn by accumulating small amounts over time. Consider the different aspects of the process, such as simplicity, availability, and how quickly you can complete one task.&nbsp;</p><h3>Advantages of money-making apps</h3>
<p>If you’re still on the fence about using money-making apps, consider the following <a href="https://www.investopedia.com/best-money-making-apps-5115140" target="_blank">benefits</a>:&nbsp;</p><ul><li>They’re simple to use and understand</li><li>They don’t take up a lot of time per day&nbsp;</li><li>They’re free and available to everyone</li><li>All you need is a smartphone or computer&nbsp;</li><li>Demand is usually constant, so your participation will always be needed</li><li>Information on how to use them is easy to find</li><li>Funds can be withdrawn easily</li><li>Involving friends and family helps you earn referral awards</li></ul><h2>Is It Safe to Use Money-Making Applications?&nbsp;</h2>
<p>Security is a big concern for people looking to earn money through mobile apps. Do your homework and conduct a thorough review of each company, the websites that promote their services, and the referrals they provide. You’ll be able to find the experiences of other platform users in the website’s comments section, which will serve as a reference to decide whether or not you want to use an app.</p><h2>Earn Extra Money Easily and Quickly with Apps!&nbsp;</h2>
<p>By using the apps we’ve recommended, generating extra income is easier than ever. To bring in a little extra cash at the end of the month, whether to help pay the bills or save up for something fun, all you need is a mobile device and the desire, willingness, and ability to follow the instructions detailed in this guide. Technology continues to evolve, making it easier than ever to supplement your main income or <a href="https://saberespoder.com/en/articles/finance/guia-basica-para-enviar-remesas" target="_blank">send money</a> to loved ones back home.</p>SABEResPODER is dedicated to providing you with the tools you need to reach your financial goals. Check out our <a href="https://saberespoder.com/en/articles/benefits/forme-parte-del-grupo-de-opinion-de-saberespoder" target="_blank">Rewards Center</a>, a simple way to boost your income by answering surveys on topics of interest to you and your community. Join us today and start making money with SABEResPODER!

Join and earn rewards

The Latino community understands the power of money-making apps. SABEResPODER explains different options for generating income in 2023.

AdobeStock_339062491.jpeg

The Top Money-Making Apps of 2023

<p><span>You might not know this, but a large percentage of the immigrants living in the United States today haven’t obtained citizenship or secured legal permanent residency. Even if they lack the proper documentation, this community has the right to work and provide for their families the best way they can.</span></p><p><p>However, there is an option for undocumented immigrants who are employed and are seeking greater stability: getting an <strong>Individual Taxpayer Identification Number</strong> (ITIN). An ITIN allows you to pay federal taxes, open an interest-bearing bank account, gain access to loans, and more. Keep reading to understand what an ITIN is and what steps you can follow to get one.</p></p>

PODERcard_banner_ad_background_image_DESKTOP_v2.png

I'm interested

<h2>What Is an ITIN?</h2><p>The <a href="https://www.irs.gov/individuals/international-taxpayers/taxpayer-identification-numbers-tin#itin" target="_blank">ITIN</a> is a number assigned by the Internal Revenue Service (IRS) to those who aren’t eligible for a Social Security Number (SSN). It is a 9-digit number that starts with the number "9" and is formatted like an SSN (NNN-NN-NNNN). The ITIN number allows a person to file their taxes and thus comply with federal law. </p><p>Remember, every person who generates an income is obligated to declare their earnings. People who are still processing their legal status in the U.S. can use their ITIN to properly comply with their tax obligations in the meantime.</p><p><em><strong>Keep in mind</strong></em>: The ITIN does not authorize you to work in the U.S., nor does it enable you to receive Social Security benefits.</p><h2>Why Should You Get an ITIN?</h2><p>Paying taxes on your income is a legal obligation in the United States. If you don’t have a Social Security Number, getting an ITIN is the only way that you’ll be able to file your taxes and comply with the law. If you apply for United States citizenship in the future, you can use your returns to provide evidence of how long you’ve been living and paying taxes in the country. </p><p>You’re eligible for an ITIN if <strong>at least one</strong> of the following statements is applicable to you:</p><ol><li>You need to file a tax return and you don’t have an SSN</li><li>You’re a dependent or spouse of a U.S. resident</li><li>You’re a dependent or spouse of a non-resident alien who has a visa</li><li>You’re a non-resident immigrant with the right to claim a tax benefit</li><li>You’re a non-resident immigrant student, professor, or researcher filing a U.S. tax return or claiming an exception</li></ol><em><strong>Keep in mind</strong></em>: Once you’ve obtained an SSN, it is important that your ITIN tax return and payment history be transferred to this new SSN.

<h2>What’s the Process for Getting an ITIN?<br></h2><h3>1. Fill out a W-7 form</h3>
<p>The <a href="https://www.irs.gov/pub/irs-pdf/fw7.pdf" target="_blank">W-7 form</a> is requested personally from an IRS office or through a Taxpayer Assistance Center (TAC). <a href="http://apps.irs.gov/app/officeLocator/" target="_blank">Click here to find the closest TAC near you.</a> Another option is to find a Certified Acceptance Agent (CAA) who can help you with your application. These entities are authorized by the IRS to review your documentation and forward the completed form for processing. You can find a CAA near you by clicking<a href="http://www.irs.gov/Individuals/Acceptance-Agent-Program" target="_blank"> here.</a> After you fill out the W-7, you’ll have to send it to the IRS via mail.</p><h3>2. Submit proof of why you require an ITIN</h3>
<p>An example of proof might be your responsibility to submit a tax return due to employment or other income. After the IRS processes your request for an ITIN and you file your first return, you can then retroactively file returns from previous years using this ID.</p><h3>3. Submit your identity documents</h3>
<p>Along with the W-7, you must submit to the IRS <a href="https://www.irs.gov/individuals/revised-application-standards-for-itins" target="_blank">original current documents</a> to verify your identity and status as a foreigner, such as:</p><ul><li>A U.S. driver's license or U.S. ID card</li><li>A national identity card or a birth certificate from your country of origin, foreign academic records, or foreign passport</li></ul>
<p>Providing the correct documentation allows the IRS to confirm your identity and whether or not you qualify for an ITIN.</p><strong><em>Keep in mind</em></strong>: If you’d prefer not to mail in your original documents, visiting a TAC or meeting with a CAA is a great option. They will review everything in person, which means you can bring everything back home once you’re done.

<h2>How Do I Renew My ITIN?</h2>
<p>If you have an <a href="https://www.irs.gov/pub/irs-pdf/p5257.pdf" target="_blank">ITIN that’s about to expire</a>, you can choose one of the following three options:</p><ol><li><strong>By mail. </strong>Send your completed W7-(SP) form, proof of identity, and documents regarding your undocumented status to the following address:<br><br>Internal Revenue Service<br>Austin Service Center<br>ITIN Operation<br>P.O. Box 149342<br>Austin, TX 78714-9342<br><br>Documents will be returned to you within 60 days. Submit your application as soon as possible to avoid delays in processing your next tax return.<br><br></li><li><strong>With an Acceptance Agent. </strong>Apply personally for an ITIN through an <a href="http://www.irs.gov/Individuals/Acceptance-Agent-Program" target="_blank">IRS-approved CAA</a>. This allows you to hold onto your original documents and IDs for the remainder of the application process.<br><br></li><li><strong>At an Assistance Center. </strong>Book an appointment at an <a href="https://www.irs.gov/help/contact-your-local-irs-office" target="_blank">IRS designated Taxpayer Assistance Center</a>. This option also allows you to hold onto your documents and IDs while your application is being processed.<br></li></ol><h2>How Long Does the Process Take?</h2>
<p>Typically, <strong>getting an ITIN takes six to eight weeks</strong>. However, the process can take up to 10 weeks if you apply during the busiest period, which starts in the months leading up to April 15.&nbsp;</p>
<p>After you submit your application, the IRS will review your documentation in detail before returning it and letting you know if you’ve been approved. Following this, it will take another six to eight weeks for the IRS to process your tax return.</p>
<p>Your ITIN allows you to file your taxes and demonstrates that you’re complying with federal law. This form of ID can also be used for both financial and professional opportunities in the future.&nbsp;</p>
<p>At SABEResPODER, our mission is to empower you on the path to stability and success as you adapt to life in the United States. If you think someone would benefit from learning more about the ITIN process, be a friend and send it their way!</p>

Paying taxes is an essential part of American life. If you don’t have a SSN, you’ll need to know how to get an ITIN. This article explains the step by step process.