Pension Transfer Poland ↔ USA — Totalization Agreement
Working in both PL and the USA provides pension benefits from both countries — the social security agreement from 2009, SSA forms.
Guides for the Polish Diaspora
Guides, how-tos and resources for Poles abroad: documents, work, offices, pensions, healthcare.
🤖 AI Guide
Tips, prompts and tutorials about artificial intelligence — ChatGPT and other AI tools.
Open AI GuideFeatured guides
How to Send Money from the USA to Poland — Wise, Remitly, Western Union, and Others
A comparison of transfer services: exchange rates, fees, delivery times, limits. What to choose for small and large amounts.
Polish Neighborhoods in New York City — Greenpoint, Maspeth, Ridgewood
Where the Polish community lives in NYC: Greenpoint, Maspeth, Ridgewood. Rents, Polish shops, parishes, Saturday schools, transportation.
How long does it take to wait for a work permit (EAD) in the USA — USCIS processing times 2026
Processing times for I-765 in 2026: asylum, AOS, OPT, H-4. How to check status, automatic 540-day extension.
Trust in the USA — Living Trust, Revocable vs Irrevocable, how to establish
Trust in the USA — what it is, asset protection, avoiding probate, state differences (CA vs NY vs FL), Revocable vs Irrevocable, costs.
How to Open an LLC in the USA — Step-by-Step Guide
Choosing a state, filing the Articles of Organization, obtaining an EIN, setting up a business account — and how much it all costs in 2026.
All guides (265)
Housing Scams in the USA — How to Recognize Them, Red Flags, Where to Report
Housing scams are a plague for new immigrants — offers 'too good to be true' for 30% of the market, wire deposits before viewing, stolen photos. A complete guide: 10 types of scams (Craigslist fake listing, fake landlord, sublease scam, deposit theft, fake roommate), red flags, how to verify, where to report, how to recover money.
Phone in the USA — prepaid without paperwork (T-Mobile, Mint, Cricket, Visible)
Prepaid plans without contracts: T-Mobile, Mint, Cricket, Visible, Tello — price comparison 2026, coverage.
Marriage Green Card (CR-1 / IR-1) Step by Step
Green Card through marriage to a U.S. citizen after you are married (different from K-1). I-130 + I-485 (in the U.S.) or CR-1/IR-1 through the consulate. Costs, timeline, documents, removing conditions I-751.
How to Recognize Voice Scams — AI Impersonates Your Family
Voice scams are becoming increasingly common, with AI technology enabling scammers to clone the voices of loved ones; learn how to defend against these threats and what steps to take to protect your finances.
How to Avoid Scams from Fake Employers in the USA? A Practical Guide
Scams involving fake employers are becoming increasingly common, especially among new immigrants. Learn how to recognize and avoid traps related to fake job offers and what to do in case of a scam.
Funeral Abroad — Transporting the Body to Poland, Costs, Formalities
Death in the USA — repatriation of the body to Poland: costs range from 8,000 to 15,000 USD, required documents, Polish consulate, cremation vs transport.
How to Avoid Medicare Scams: A Guide for the Polish Community
Medicare scams are becoming increasingly common. Learn how to recognize and avoid the most frequent traps, such as Medicare card phishing, fake medical equipment offers, and dishonest agent practices.
How to Legally Pay Less Taxes in Retirement?
Learn how to effectively manage your finances in retirement to minimize taxes, including strategies like withdrawal sequencing, Roth conversions, QCDs, and utilizing HSAs.
Polish Psychologist / Psychotherapist in the USA — How to Find One, Insurance, Costs
The Polish community in the USA has access to Polish-speaking psychologists and psychotherapists, primarily in Chicago, NYC/NJ, Boston, Detroit, and through telehealth nationwide.
Affordable Daycare in the USA — Head Start, CCDF Subsidy, How to Reduce Care Costs
Daycare is often the largest expense for families in the USA ($12-25k/year), but there are real ways to lower costs, including Head Start, CCDF subsidies, and various tax credits.
How to Travel with a Large Amount of Cash: Practical Tips
Traveling with a large amount of cash can be concerning; learn how to prepare the right documentation, avoid suspicion, and what to say (and what to avoid) when interacting with officials.
Grandparent and Family Scam — How to Defend Against New Scammer Methods?
Grandparent and family scams are becoming increasingly sophisticated; learn how to recognize new methods used by scammers who exploit technology to deceive elderly individuals, including Polish immigrants in the USA.
FINRA BrokerCheck — How to Use the Broker Checking Tool
Learn how to effectively use FINRA BrokerCheck to verify the credibility of brokers and investment firms, with a step-by-step guide to help you avoid scams and make informed financial decisions.
Tax Loss Harvesting — How It Works and How It Can Help You?
Learn how to utilize tax losses to minimize your tax liability, understand rules like the 'wash-sale rule', and how automation through robo-advisors can simplify this process.
Cash Work in the USA — Risks, Law, Taxes, How to Protect Yourself
Cash work (under the table, off-the-books) is common in Polish communities in the USA — cleaning, construction, childcare, restaurants. Technically LEGAL if earnings are reported on taxes. ILLEGAL if the employee or employer hides income. Consequences for the employee include lack of Social Security credits (crucial for retirement and SSDI), no workers comp in case of an accident, no unemployment benefits, no credit history, and issues with mortgage/credit. Consequences for the employer include IRS penalties of $5,000-$50,000 per employee + criminal liability. Employees CAN legally pay taxes themselves (Schedule C as self-employed) — requires ITIN/SSN, Form 1040 + SE. This is often the safest path for Polish workers in the gray zone.
Bringing a Parent to the USA — I-130, IR-5 Green Card for Parent (2026)
A U.S. citizen aged 21 or older can bring a parent to the USA through an I-130 petition + IR-5 visa (or Adjustment of Status if the parent is already legally in the USA), with no visa cap or preference queue, typically taking 12-24 months for the entire process.
How HRA Works in New York: A Guide to Social Services
Learn how the Human Resources Administration (HRA) operates in New York, including a guide to SNAP, financial assistance, Medicaid, HEAP, and other services available to New York residents.
How to Avoid Losing Money on Fake Investments?
Learn how to protect your finances from investment fraud with a practical checklist to help you verify investments and avoid losses.
How Fund Management Costs Affect Your Retirement
Learn how differences in fund management costs can impact your retirement savings by comparing active funds with index funds to highlight the importance of the expense ratio.
How to Adjust Your Portfolio 10 Years Before Retirement: Key Strategies
Managing your portfolio 10 years before retirement is a crucial step in ensuring financial stability. Learn how to apply asset allocation principles, build bond ladders, and protect against sequence of returns risk.
MAGI — What is it and how does it affect Medicare?
Learn what Modified Adjusted Gross Income (MAGI) is and how it affects your Medicare premiums and ACA subsidies, as well as the differences between MAGI and AGI and which incomes are added to MAGI.
Negotiating Medical Bills in the USA — Charity Care, Itemized Bill, Balance Billing
Medical bills in the USA are often SIGNIFICANTLY NEGOTIABLE, with the first question always being to request an ITEMIZED BILL (line item for each procedure with CPT codes).
Agent nieruchomości w USA — jak zostać realtor, licencja, prowizje, koszty
Realtor w USA to popularna ścieżka dla polskich kobiet i mężczyzn z networking skills — wymaga licencji stanowej (60-180 godzin pre-license course + state exam, 250-800 USD), ale brak formalnego wykształcenia wyższego. Status: 1099 independent contractor pracujący pod sponsoring broker. Commission split z brokerem: 60/40 do 90/10 zależnie od company i twojego experience. Average commission dla agenta: 2.5-3% z sale price. Typowy agent w polonijnym mieście (Chicago, NJ, NYC) zamyka 8-15 transakcji/rok, gross 80-150k USD, net 50-100k USD po wszystkich kosztach. Polski-speaking realtors mają niche advantage — polonijni klienci często preferują rozmowę w polskim. Top polish agents w major skupiskach zamykają 50+ transakcji/rok, $200-500k+ rocznie. NAR i lokalne MLS membership wymagane.
Facebook Investment Scams — How They Work and How to Protect Yourself
Discover how Facebook investment scams operate, including fake celebrity endorsements and 'exclusive trading groups'. Learn how to recognize and report them.
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