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.
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 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.
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.
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.
Food stamps (SNAP) in the USA — who qualifies, how to apply
SNAP / food stamps: income criteria, immigration status, EBT card, how to apply in the state. For a family of 4, up to $1,200/month.
Tourist Visa in the USA Expires — What to Do (Overstay, I-539, Options)
B-2/I-94 visa expiration — options: I-539 extension, status change, departure. Consequences of overstay (3 and 10-year bans).
All guides (265)
HYSA — How to Find the Best Savings Accounts?
Wondering how to choose the best savings account? Learn what to consider when selecting a HYSA, the benefits of FDIC insurance, and when it might be better to choose a CD or Treasury bonds.
USCIS Online Account — How to Set Up Step by Step (2026)
A free account on my.uscis.gov allows you to track all immigration cases, receive notifications, submit forms electronically, and receive documents, with a complete guide on registration, 2FA, verification, available online forms, and common mistakes.
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.
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 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.
Treasury Bonds, CDs, and Money Market Funds: What to Choose?
Are you wondering where to invest your savings? We compare Treasury bonds, CDs, and money market funds in terms of safety and profitability to help you determine the best option for you.
Polski mechanik w NYC — jak znaleźć, dzielnice, usługi, ceny, zaufanie
Polscy mechanicy w NYC area koncentrują się w polonijnych dzielnicach: Greenpoint, Maspeth, Ridgewood, Long Island City (Brooklyn/Queens), oraz suburban NJ (Garfield, Linden, Wallington, Clifton). Najbardziej popularne usługi: oil change ($30-80), brake service ($150-500 per axle), state inspection ($25-37 NY/NJ), transmission service, suspension, AC service, body work, transmission repair. Polish mechanics often specjalizują w European i American makes — Mercedes, BMW, Audi, VW (popular w polonijnej community), plus standard Honda, Toyota, Ford. Ceny zwykle 20-40% niższe od dealerships, with polish-speaking service. Zaufanie based na long-term polonijnych relationships. Sprawdź Polish Yellow Pages, Facebook 'Polacy w NJ/NY' groups, Polonia portale dla recommendations. NJ inspections done at shop; NY inspections at certified stations.
Tax Brackets in the USA — How Do They Really Work?
Understanding how tax brackets work in the USA can aid in better financial planning.
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).
Polish Doctor in Chicago — How to Find One, Neighborhoods, Specialists, Insurance
Chicago has one of the largest Polish-speaking medical communities in the USA, concentrated in Polish hubs such as Avondale/Jackowo, Niles, Park Ridge, Norridge, and Schaumburg.
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.
Food stamps (SNAP) in the USA — who qualifies, how to apply
SNAP / food stamps: income criteria, immigration status, EBT card, how to apply in the state. For a family of 4, up to $1,200/month.
Guaranteed Returns — The Biggest Red Flag in Investments
Learn why promises of guaranteed returns are often scams, understand SEC regulations, and pay attention to common phrases that may warn you of financial fraud.
Traffic Ticket in the USA — Types, Fees, Traffic Court, How to Fight
Received a ticket in the USA? A comprehensive guide on types of tickets (moving vs non-moving), the points system state by state, how insurers find out, when to go to traffic court, how to fight, traffic school, CDL specifics, and Polish driver's license.
Cheap Flights USA ↔ Poland — How to Find, When to Buy, Cheapest Airlines (2026)
Flights between the USA and Poland cost $500-2000 depending on the season and timing, with a full guide on when to buy (8-12 weeks in advance), which airlines (LOT, United, Polish Charter, Lufthansa), cheapest routes (NYC, Chicago, Newark direct), free price alerts (Google Flights, Skyscanner, Hopper), and miles + points strategies.
Polish Doctor in the USA — Nationwide List, Organizations, Insurance
Where to find Polish-speaking doctors in the USA: Chicago, NJ, FL, MI, MA, CA. Polish American Medical Association (PAMA), medical centers, compatibility with Medicare/Marketplace, telehealth in Polish.
Voting from Abroad in Polish Elections from the USA — Consulate, Registration, Deadlines
Polish citizens in the USA can vote in Polish elections (Presidential, Parliamentary, Senate, European Parliament, referendums) only IN PERSON at the Polish consulate or embassy; mail-in voting from the USA is NOT available (it was abolished in 2023 for most voters abroad).
Earning from Covered Calls — Risks and Realities
Learn how ETF funds with a covered call strategy work, their risks, and potential returns, and understand if this strategy is suitable for you as a retiree.
Childbirth in the USA — costs, Medicaid pregnancy, prenatal care, child's citizenship
Every child born in the USA (except for children of diplomats) is automatically a US citizen — this is a constitutional right under the 14th Amendment, regardless of the parents' status.
Child Tax Credit (CTC) in the USA 2026 — how much, who, how to get it (ITIN, immigration status)
The Child Tax Credit (CTC) in 2026 is $2,200 for each qualifying child under 17, with up to $1,700 being refundable (ACTC) — you will receive it even if you did not pay any taxes.
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.
Medicaid for Seniors in the USA — Dual Eligibility, MSP, Asset Limits, How to Apply
Seniors aged 65+ with low income may qualify for both Medicare (federal health insurance for 65+) AND Medicaid (state program for low-income individuals) — known as dual eligibility.
Without Health Insurance in the USA — Charity Care, FAP, EMTALA, What to Do
Lack of health insurance in the USA does not mean lack of care; EMTALA mandates that all hospitals accepting Medicare stabilize any patient in an emergency regardless of status and ability to pay.
FAFSA — jak aplikować (2026), pomoc finansowa, Pell Grant, loans, ITIN rodzice
FAFSA (Free Application for Federal Student Aid) to obowiązkowy formularz dla każdego studenta college chcącego dostęp do federalnej pomocy: Pell Grant (do 7 395 USD/rok 2025-26, nie do zwrotu), Subsidized Stafford Loans (do 5 500 USD/rok), Unsubsidized Stafford Loans, Federal Work-Study, Plus Loans dla rodziców. Większość stanowych grantów i prywatnych stypendiów też wymaga FAFSA. Aplikacja otwiera się 1 października (roku przed studiami), kończy 30 czerwca następnego roku. Dochód rodzica z 2 lat wstecz (prior-prior year). WAŻNE dla polskich rodzin: rodzic z ITIN MOŻE wypełnić FAFSA dla dziecka US citizen / LPR — od 2024 r. roller nowy system pozwala ITIN holders na założenie FSA ID. Wcześniej była bariera.
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