Where and How to Obtain an SSN (Social Security Number) in the USA
The Social Security Number (SSN) is a required document for legal work, bank account opening, tax filing, and many other formalities in the USA.
Guides for the Polish Diaspora
Guides, how-tos and resources for Poles abroad: documents, work, offices, pensions, healthcare.
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Tips, prompts and tutorials about artificial intelligence — ChatGPT and other AI tools.
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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.
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.
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.
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 to Open a Bank Account in the USA Without an SSN
Account without SSN — ITIN, PSFCU (Polish bank), Chase, BoA, Wells Fargo. Step by step with a passport.
All guides (265)
How to Find Housing for Seniors in New York City?
Learn about the housing options available for seniors in New York City, including NYCHA senior buildings, Section 8 programs, Mitchell-Lama, and senior housing lotteries.
Identity Theft in the USA — How to Protect Yourself: Credit Freeze, Fraud Alert, IdentityTheft.gov
Identity theft is the second most common crime in the USA, with a complete guide for 2026 on how identity theft works, how to check if you are a victim, credit freeze (the best protection!), fraud alert, identitytheft.gov, and what to do if your identity has already been stolen.
Poland-US Tax Treaty — How to Avoid Double Taxation
Do you work in the USA but have income/property in Poland? Poland and the USA have an agreement from 1974 that prevents double taxation. A complete guide: PIT-36 vs 1040, Foreign Tax Credit, Foreign Earned Income Exclusion, IFT-1R, when to pay in which country.
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.
U.S. Naturalization — N-400, Citizenship Test, Costs (2026)
A comprehensive guide to U.S. naturalization: eligibility after 5 years (3 for spouses of citizens), Form N-400, costs of $760, citizenship test (100 questions + civics), interview, oath ceremony, and common disqualifying mistakes.
Is Annuity Safe? Understand the Risks and Protections
Are you wondering if investing in an annuity is safe? Learn about the risks associated with insurers, state guarantees, and the importance of diversification.
How to Check if a Financial Advisor is Legitimate?
Learn how to step-by-step verify the legitimacy of a financial advisor in the USA by checking their licenses, complaint history, and qualifications to make an informed decision.
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 to Recognize and Avoid Technical Scams — Did Microsoft Say You Have a Virus?
Technical scams, such as fake notifications from Microsoft, can lead to data theft and access to bank accounts; learn how to recognize them and what to do in case of a scam.
How to Avoid EZ Pass and Tolls by Mail Payment Scams
Learn how to recognize and avoid scams related to false road payment notifications in the USA, and discover how to protect your financial data from phishing SMS messages.
How Political Asylum Works in the USA
Who can apply for asylum, how to submit Form I-589, when you can start working, and the path to a Green Card.
Family Sponsorship to the USA — Who Can Sponsor, Form I-130, Waiting Times
U.S. citizens and Green Card holders can bring family members to the USA through Form I-130, detailing who can be a sponsor, whom can be sponsored (spouse, children, parents, siblings), priority dates and bulletin, waiting times (from 0 to 25 years!), costs, AOS vs consular processing, and financial sponsorship I-864.
Sequence of Returns Risk — How to Avoid Disaster at the Start of Retirement
Understand the sequence of returns risk and learn how poor market performance at the beginning of retirement can impact your finances for the next 30 years; discover protective strategies such as cash buffers, bond ladders, and dynamic withdrawals.
Buying a Home in the USA as a Polish Immigrant — Process, Costs, Who Can Help
Poles without a long history in the USA can buy a home — the process takes 3-6 months, costs approximately 25-30% of the price in cash (down payment + closing + reserves). A complete guide for immigrants: real estate agent, when to apply for pre-approval, Polish community locations, inspection, negotiations, closing, mortgage with ITIN, taxes, insurance, common pitfalls.
How to Find a Job in the USA Without Knowing English
Real industries, cities with a Polish job market, where to search, and how to negotiate your first paycheck without fluent English.
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).
How to Use 311 Language Services in New York City?
Learn how to get assistance in Polish by calling 311 in New York City, including available translation services and how to request a Polish-speaking operator.
How to Recognize SMS Scams Related to USPS: Package Held, Pay $3
USPS-related SMS scams are one of the most common forms of phishing in the USA; learn how to identify fake messages, secure your data, and safely verify package statuses.
How to Do a Roth Conversion Without Paying Out of Pocket?
Learn how to perform a Roth IRA conversion while avoiding out-of-pocket tax payments, discovering strategies to maximize tax-free growth.
How to Prepare Financially 15 Years Before Retirement
Planning for retirement in 15 years? Learn how to prepare financially to enjoy a peaceful life after your career ends with these key steps you should take today.
Car Insurance in the USA — How It Works, Types of Coverage, Costs (2026)
Every state in the USA requires car insurance — without it, you cannot register a vehicle; this comprehensive guide covers types of coverage (liability, collision, comprehensive, UM/UIM, PIP), state minimums, how credit score affects pricing, Polish brokers, ways to pay less (bundling, defensive driving, telematics), and what to do after an accident.
Sprzedać mieszkanie w Polsce mieszkając w USA — pełnomocnik, notariusz, podatki
Sprzedaż polskiej nieruchomości z USA wymaga 3 kluczowych decyzji: (1) osobiście vs przez pełnomocnika (notarialna PoA z apostille z USA), (2) notariusz polski (akt notarialny obowiązkowy dla sprzedaży), (3) podatki PIT-39 jeśli sprzedaż przed 5 latami od kupna (19% od dochodu). Bez własności 5+ lat — opodatkowanie. Pełnomocnictwo: typowo $50-150 notarial w USA + apostille $5-50 + tłumaczenie $30-100. Sprzedaż przez pośrednika 2-3% prowizji, bezpośrednio bez. Pieniądze transfer do USA: SWIFT przelew $20-50 fee + spread. Konsultacja z polskim doradcą podatkowym kluczowa (cross-border tax issues USA-PL). Polish-US tax treaty chroni przed podwójnym opodatkowaniem. Środki w USA podlegają US tax reporting (FBAR, Form 8938 jeśli wcześniej był na polish account >$10k).
What to Do If Your Bank Account Has Been Hacked? Step by Step
Learn how to quickly and effectively respond if your bank account has been hacked; this step-by-step guide will help you secure your finances and regain control.
How to Invest After Age 60: A Guide for Seniors
Investing after age 60 can be challenging, but with the right strategy, you can secure your financial future. Learn how to build a balanced portfolio that includes stocks, bonds, and dividends.
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