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.
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
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.
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.
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.
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.
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.
All guides (265)
Trucking company w USA — jak założyć, owner-operator vs fleet, MC number, koszty
Trucking to popularna polska ścieżka kariery w USA — duże stawki dla doświadczonych kierowców CDL, możliwość skalowania do własnej firmy. Trzy główne modele: company driver (W-2 z firmą, 70-90k USD/rok, brak ryzyka), owner-operator leased on (własny truck, jeden kontrakt z większą firmą, 150-250k brutto / 80-120k netto), własna trucking company (own MC number, własne kontrakty, możliwość fleet 200k-2M USD rocznie). Setup własnej firmy: USDOT number (darmowy), MC number (300 USD), BOC-3 process agent (30-60 USD), UCR (50-2 000 USD), IFTA fuel tax, IRP plates (1 500-3 500 USD/rok), insurance ($75k+ premium/rok), drug consortium membership. Truck koszt: 30-80k USD used, 150-200k USD new + trailer 30-50k USD. Loans często SBA lub equipment financing. Polonia ma silne sieci w Chicago, Detroit, NJ.
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.
Investing for Growth or Income Before Retirement? Key Financial Decisions
Are you wondering whether it's better to invest in growth stocks or income-generating assets before retirement? Learn how to adjust your investment portfolio and what strategies to apply to achieve financial stability.
Praca w budowlance w USA — skilled trades, stawki, licencje, jak zacząć
Budowlanka w USA to silna polska niszowa branża — od cieśli i hydraulików po projekty komercyjne. Stawki godzinowe (2026): unskilled labor 20-30 USD/h, framer/cieśla 30-50 USD/h, hydraulik/elektryk 40-80 USD/h (licensed), foreman 50-90 USD/h, supervisor 90 000-150 000 USD/rok salary. Union jobs często 50-100% wyższe + pełne benefits (health, pension). Licencje: większość stanów wymaga licencji dla electrical, plumbing, HVAC (2-4 lata apprenticeship + exam, 200-500 USD fees). General contractor license: zwykle 2-5 lat experience + exam, $200-1000 fees, dodatkowo bond + insurance. Polskie network szczególnie silne w Chicago, NJ/NY, Boston, Detroit — często polski supervisor szuka polskich pracowników.
Zelle scam — why banks often do not refund money?
Understand how Zelle scams work and why banks rarely refund victims' money. Learn how scammers manipulate victims into voluntarily sending money.
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 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.
Medicare in Polish — A Complete Guide for the Polish Diaspora
Discover how Medicare works in the USA; our guide for the Polish community explains what each part covers, who can enroll, how the enrollment process works, and what the costs are.
Polonia in Connecticut — Communities, Churches, Stores, Organizations (2026)
Connecticut has 280,000-300,000 people of Polish descent (~8% of the state's population, one of the highest concentrations in the USA per capita).
Union jobs w USA — związki zawodowe, stawki, benefity, jak dołączyć
Union jobs (związki zawodowe) w USA to ścieżka do wyższych stawek (50-100% więcej niż non-union), pełnych benefitów (gold-plated health insurance, pension, annuity) i job security. Główne unions dla polskiej diaspory: UBC (Carpenters), IBEW (Electricians), UA (Plumbers/Pipefitters), IUOE (Operating Engineers), LIUNA (Laborers), SEIU (Service workers — janitors, healthcare), Teamsters (truckers). Dołączenie: aplikuj do lokalnej union hall, często testing + interview + apprenticeship 2-5 lat. Dues: $50-150/mc lub 1-2% wages. Pension defined-benefit zapewnia stabilną emeryturę (rzadkie w non-union). NY, IL, CA, MA, NJ mają silne unions. Texas i większość south są 'right-to-work' (możesz pracować union job bez dołączać do union).
Zapisać dziecko do przedszkola w USA — Pre-K vs preschool, publiczne vs prywatne
Amerykański system 'przedszkola' dzieli się na: preschool (płatne prywatne dla 2-5 lat, typowo 800-2 000 USD/mc), public Pre-K (darmowe dla 3-4 lat w wielu stanach: NYC 3-K i Pre-K for All, NJ Abbott districts, GA Pre-K, FL VPK, OK, VT, DC), oraz kindergarten (5-6 lat, część publicznej szkoły, darmowy obowiązkowy w większości stanów). NYC ma najszerszy darmowy system — dziecko może iść do publicznego 3-K w wieku 3 lat, Pre-K w 4 lat, kindergarten w 5 lat = 3 lata bezpłatnej edukacji przed pierwszą klasą. Aplikacje przez MySchools.nyc, wybierając 12 preferencji. Dla dzieci poniżej 3 lat — Head Start lub Early Head Start (darmowe niskodochodowe) albo płatne daycare/preschool.
Lost / Stolen / Damaged Green Card — How to Recover It Using Form I-90
Have you lost your Green Card? Was it stolen? Did it get damaged in the wash? This comprehensive guide covers reporting theft, Form I-90 (replacement), differences vs renewal (10-year card vs 2-year conditional), costs of $540, waiting time of 8-18 months, ADIT stamp as proof of status during the waiting period, and traveling without the card.
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.
How to Obtain a Senior Discount MetroCard in New York City
Learn how to obtain a Senior Discount MetroCard in New York City, including required documents, processing time, and information about transitioning to the OMNY system.
Free Translator in Hospitals in the USA — Your Rights
Learn about your rights to free translation services in hospitals in the USA, as facilities are required by law to provide access to translators to ensure effective communication in your language.
Crypto Scams — What to Watch Out for Before You Invest?
Investing in cryptocurrencies can be risky, especially in light of numerous scams; learn how to recognize traps such as 'pig butchering' scams and fake investment platforms.
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.
Credit history z Polski w USA — czy przenosi się, jak zbudować od zera (2026)
Polska historia kredytowa NIE PRZENOSI się automatycznie do USA — system finansowy USA jest oddzielny od BIK (Biuro Informacji Kredytowej). Nowy emigrant zaczyna z 'thin file' lub 'no file'. Ścieżki budowania credit od zera: secured credit card (deposit $200-1000), credit-builder loan (Self, Credit Strong), authorized user (rodzina/znajomi z dobrym credit dodają cię), rent reporting (Experian Boost, RentReporters), credit unions, store cards. Nova Credit oferuje IMPORT polskiego BIK do USA dla niektórych banków (American Express, HSBC, niektóre mortgage lenders) — kluczowe dla świeżych imigrantów. Typowy timeline: 6-12 mc do FICO 650+, 18-24 mc do 720+, możliwy 750+ po 2-3 latach disciplined use.
Access-A-Ride in NYC — how to use transportation for people with disabilities?
Learn how the Access-A-Ride service works in New York City, what the qualification requirements are, and how to apply for transportation for individuals with disabilities.
Exporting Cash from the USA Over $10,000 — Limit for the Family, Not Per Person
$10,000 is the threshold for the ENTIRE family/group traveling together, not a limit per person. How to file FinCEN Form 105, why splitting the amount is a crime, and how to protect legal money.
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.
How to Recognize Phishing Emails and SMS: A Practical Guide
Learn how to identify phishing emails and SMS to protect your personal data and finances, discover common scams, and understand how to defend against them.
Romance scam — how older adults lose their life savings
Romance scams pose a serious threat to older adults who may lose their savings; learn how to recognize scammers and what steps to take to protect yourself.
Phishing 2026 — fake IRS, USCIS, bank, USPS: how to recognize and defend yourself
SMS/email/phone call from "IRS" about unpaid taxes? "USCIS" about a delayed case? "USPS" about a stuck package? The most common phishing scams of 2026 targeting the Polish community. How to recognize them, how to verify, where to report.
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