Tourist Visa to the USA 2026 — Step by Step
Do you need a B1/B2 visa or is ESTA sufficient? Procedure, costs, DS-160 form, and what to do in case of denial.
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
Credit Score in the USA — How to Build Credit History from Scratch
Secured card, Self Lender, Petal, Experian Boost — how to reach 700+ in 12 months.
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.
401(k) vs IRA — how to save for retirement in the USA
A comparison of retirement accounts: employee 401(k), Traditional/Roth IRA, limits for 2026, employer match, and how to choose.
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 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)
Polish Accountant in the USA — How to Find One, What They Do, Costs (2026)
A Polish accountant in the USA assists with federal and state taxes, FBAR, FATCA, ITIN applications, Polish income from Poland, and self-employed business matters, providing a comprehensive guide on CPA vs EA vs tax preparer, costs ($150-500 for annual filing), where to look for Polish accountants, and when they are absolutely necessary.
W-2 vs 1099 w USA — employee vs contractor, prawa, podatki, misclassification
W-2 i 1099 to dwa różne statusy zatrudnienia w USA — fundamentalna różnica dla podatków, benefitów i praw. W-2 employee: pracodawca odprowadza FICA i income tax z każdej wypłaty, zapewnia benefits (health insurance, 401k, paid leave), pokrywa workers comp i unemployment. 1099 independent contractor: sam płacisz pełne FICA (15.3% self-employment tax) PLUS income tax, brak benefitów, brak workers comp, brak unemployment. Wybór nie jest dowolny — IRS i DOL mają kryteria (kontrola, behawioralna, finansowa, relacja). Misclassification (pracodawca traktuje cię jako 1099 gdy faktycznie jesteś employee) to częste oszustwo — możesz aplikować o Form SS-8 do IRS, używać Form 8919 do zapłacenia tylko employee FICA, lub złożyć wage theft claim.
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.
Mortgage w USA — jak działa, typy kredytów, koszty, kto może dostać
Mortgage to amerykański kredyt hipoteczny — kluczowe narzędzie zakupu domu. Pełny przewodnik: typy (Conventional, FHA, VA, USDA, Jumbo), 15 vs 30 lat, fixed vs ARM, down payment (3-20%), PMI, closing costs (~3-6%), credit score wymagania, jak Polak bez credit history może aplikować, polonijne mortgage brokerzy.
IRS Scam Calls — How to Recognize Scams?
Learn how to recognize scams related to calls from the IRS and understand the rules of contacting the IRS to avoid traps and report suspicious activities.
Shipping Packages from the USA to Poland — Cheapest Options, Times, Duties (2026)
Shipping a package from the USA to Poland costs $30-300 depending on weight and speed, with a full guide comparing USPS, UPS, FedEx, and Polish couriers (Doroteq, EuroAmerica), costs per kg, delivery times, customs in Poland (€150 limit), what can be sent, restrictions, and how to ship cheaply amidst Christmas season chaos.
Where to Find a Polish Doctor in New York
How to find a Polish-speaking doctor in NYC — search engines, Polish clinics, accepted insurances, FQHC.
CDL — Truck Driver's License in the USA for Poles
How to obtain a CDL Class A in the USA: requirements, school costs ($4,000-$8,000), exam in Polish in IL, and driver salaries.
How to Legally Transport Large Sums of Money: A Practical Guide
Planning a trip and want to transport a large sum of money? Learn how to do it legally to avoid issues at the border with these best practices regarding transfers, traveler's checks, and documentation.
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.
How Does a Medical Interpreter Work in the USA? A Guide for the Polish Community
Learn how the medical interpreter system works in the USA, when to use a certified translator, and the differences between family and professional translation.
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.
I Have $1.1M in 401(k) and IRA — Can I Retire?
Do you have $1.1M in your retirement accounts and are wondering if you can retire? Learn how to apply the 4% rule and what factors may influence your decision.
Can You Transport Gold Across Borders? A Guide to Rules and Regulations
Are you wondering if you can transport gold across borders? Learn about the regulations in the USA and the formalities you need to fulfill to avoid issues.
How to Identify Fake Financial Advisors? Red Flags to Watch Out For
Are you wondering how to avoid being scammed by fake financial advisors? Read our guide to learn about the red flags that may indicate dishonest practices.
How Health Insurance Works in the USA — Marketplace, Medicaid, Employer-Sponsored
Three main paths to health insurance in the USA, how to apply, and what it costs in 2026.
Working in the USA Without Papers — Realities, Risks, and Legal Alternatives
Working without Work Authorization in the USA — what it means, the risks, penalties for employees and employers, employee rights even without status, and legal pathways to obtain work authorization (EAD, asylum, U-visa, VAWA, marriage).
OMNY for Seniors and Students: How to Use Discounts
Learn how seniors and students can take advantage of the OMNY program in New York to save on transportation costs, with a guide to discounts for those aged 65+ and students.
Hidden Fees in Investing — How Much Are You Really Losing?
Do you know how much investing really costs you? Discover hidden fees that can significantly impact your savings over the years, understand the mechanisms, and learn how to avoid financial traps.
TSA at Airports in the USA — Security Check, REAL ID, PreCheck, Global Entry (2026)
The TSA (Transportation Security Administration) screens all passengers at American airports, providing a comprehensive guide on REAL ID requirements (effective May 7, 2025), carry-on regulations, TSA PreCheck ($78/5 years — shorter lines), Global Entry ($120/5 years — immigration bonus), CLEAR, traveling with children, and Polish medications.
When to Enroll in Medicare to Avoid Penalties?
Learn when to enroll in Medicare to avoid penalties; this guide covers enrollment periods, exceptions, and potential penalties for late registration.
Advance Parole — Leaving the USA During the Green Card Process (Form I-131)
During the I-485 process, you cannot leave the USA without Advance Parole — leaving = abandonment of the case; a complete guide: who needs it, Form I-131, costs (free with I-485 from 2024), waiting times, emergency AP, traveling with AP, what to show at the border, when AP is insufficient (e.g., visa stamp needs renewal).
Roth Conversion After Age 65 — When Does It Make Sense?
Are you considering a Roth IRA conversion after age 65? Learn when such a decision may be beneficial, especially in the context of large pre-tax balances and estate planning.
Uber/Lyft/DoorDash — rozliczenie podatków w USA (1099, Schedule C, mileage)
Praca jako kierowca Uber, Lyft, DoorDash, Instacart, GrubHub itd. to klasyczny 1099 gig economy — sam płacisz pełne self-employment tax 15.3% PLUS income tax. Kluczowa dla zysku: dokładne śledzenie mileage. IRS stawka 2025: 70 cents/mile = 700 USD odliczenia za każde 1000 mil służbowych. Dla typowego full-time kierowcy 30-50k mil rocznie = 21-35k USD deductions. Plus other expenses: telefon, ubezpieczenie, parking, opłaty platformy. 1099-K wystawiana jeśli >5 000 USD na platformę (od 2024). Quarterly estimated tax payments by uniknąć underpayment penalty. Strategia: SEP-IRA może oszczędzić 25% net income na podatkach. AB5 w CA i podobne ustawy stanowe próbują rekwalifikować gig workers jako employee, ale Prop 22 odwrócił to w CA.
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