Practical guides on "Seniors in the USA". Plain language, with examples for the Polish community in the USA.
Are you wondering whether to choose SPIA (Single Premium Immediate Annuity) or a deferred annuity? Learn about the differences, when to consider SPIA as a long-term retirement security, and the common mistakes Poles in the USA make.
Considering an investment in an annuity? Learn about the differences between fixed and variable annuities, their advantages and disadvantages, and which one better suits your financial needs.
Are you wondering if it's worth doing a Roth conversion at 70 years old with $1.5M in pre-tax savings? This guide analyzes the benefits and pitfalls of conversion, considering your financial situation and its impact on future heirs.
Learn how to effectively manage your retirement funds to avoid high Required Minimum Distributions (RMDs) after age 73, and discover strategies you can implement in your 60s.
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.
The Polish community in the USA often faces the challenge of caring for elderly parents, with Medicaid Home and Community-Based Services (HCBS) waiver being the best option for low-income families, allowing for a paid family caregiver in several states.
A funeral in the USA costs between $7,000-$15,000 (traditional) or $2,000-$5,000 (cremation), with the Federal Trade Commission Funeral Rule requiring funeral homes to provide written price lists and allowing a la carte selections.
Scammers in 2026 clone your child/grandchild's voice from 3 seconds of audio from Facebook and call pretending they need money for an emergency/accident/ransom, targeting older Polish-Americans; learn how to recognize, protect yourself, and establish a family security password.
Someone from Tinder/FB/Match asks for money "for a ticket, for surgery, for investment" or talks about "certain" Bitcoin? This is a romance scam – the most costly scam for seniors (average loss of $9,000). Complete guide: how it works, red flags, how to protect yourself, where to report.
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.