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.
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 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.
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.
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 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.
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.
All guides (265)
How to Lower Taxes in Retirement in the USA?
Learn how to effectively manage your taxes in retirement in the USA and discover strategies to reduce your tax burden and maximize your savings.
Advisory Fees — When Is It Worth Investing in Financial Advice?
Are you wondering when it is worth using the services of a financial advisor? Read our guide on different fee models to learn when advice makes sense and when it's better to act independently.
Fixed Annuity vs Variable Annuity: Which to Choose?
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.
CBP Confiscation — How Can the Agency Take Cash?
Learn how the cash confiscation process by CBP works in the USA, understand the reasons for confiscation, and your rights as a traveler.
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.
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.
Transporting Medications to the USA — TSA, FDA, Polish Medications, Prescriptions (2026)
Polish medications for personal use can be legally brought into the USA if certain conditions are met: the medication is prescribed to the patient, in its original packaging, the quantity does not exceed ~90 days of use, and the medication is not prohibited in the USA (e.g., some codeine syrups, modafinil without a prescription). TSA allows medications in carry-on luggage WITHOUT the 100ml liquid limit — just inform the officer during screening. The FDA applies a 'personal use' policy — generally does not inspect individual travelers with medications for personal use. Medical marijuana, GHB, and certain psychotropics are federally prohibited even with a Polish prescription.
AI Voice Scam — "Grandchild in Distress" 2026: How to Recognize Voice Cloning
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.
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.
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.
Starting a Business in the USA — Sole Prop vs LLC vs S-Corp vs C-Corp
A comparison of business structures in the USA: Sole Proprietorship, LLC, S-Corporation, C-Corporation — differences in taxes, liability, costs, and when each is best for Poles.
ESTA vs Tourist Visa USA — Differences, Who Can Use It, What to Choose
Poland joined the Visa Waiver Program — since 2019, Poles can travel to the USA on ESTA without a visa. Full comparison: ESTA (90 days, $21, online, 72h) vs B-2 visa (180 days, $185, interview, months). When ESTA is sufficient, when a visa is needed, who CANNOT use ESTA, how to apply, common denials.
How to Check if Your Financial Advisor is Legitimate?
Before entrusting your money to a financial advisor, ensure they are legitimate by using tools like FINRA BrokerCheck and SEC Investment Adviser Public Disclosure to verify their credibility.
Civil Asset Forfeiture in the USA — What You Need to Know
Learn how civil asset forfeiture laws work in the USA, the differences between civil and criminal forfeiture, and how you can defend against unjust property seizure.
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.
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.
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.
Child Safety on the Internet 2026 — AI Sextortion, Deepfake Porn, Groomers
AI in 2026 has changed the dynamics of online threats to children; this guide provides Polish parents in the USA with essential information on AI sextortion (deepfake porn), groomers on Discord/Snapchat, screen time, parental controls, communication strategies, and reporting resources (NCMEC, FBI), along with Polish resources.
Funeral homes in the USA — costs, planning, traditional burial vs cremation, Polish community
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.
How to Recognize Voice Scams — AI Impersonates Your Family
Voice scams are becoming increasingly common, with AI technology enabling scammers to clone the voices of loved ones; learn how to defend against these threats and what steps to take to protect your finances.
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.
The Biggest Scams Targeting the Polish Community in the USA: How to Protect Yourself?
Learn about the scams that most often affect the Polish community in the USA. Read our guide to avoid traps related to fake immigration services, investment market fraud, and other threats.
Jak działa college w USA — community college vs 4-year, public vs private, koszty
Amerykański college to nie 'studia' jak w Polsce — to 4-letni undergraduate program zakończony Bachelor's degree, oddzielony od graduate school (Master's, PhD). Dwie główne ścieżki: 2-letni community college (3 000-8 000 USD/rok in-state) z opcją transferu do 4-year, lub direct 4-year university. Koszt 4-year: in-state public ~28 000 USD/rok (tuition + room/board), out-of-state public ~46 000 USD, private ~60 000-85 000 USD. In-state tuition wymaga 12+ miesięcy zamieszkania w stanie przed startem. Większość studentów otrzymuje financial aid — niskodochodowe rodziny często płacą NIC w prestiżowych private universities z need-blind admission (Harvard, MIT, Stanford). FAFSA to klucz do wszystkich federalnych i większości stanowych dotacji + pożyczek.
Przewóz pieniędzy między USA i Polską legalnie — SWIFT, Wise, FBAR, Form 8938
Transfer pieniędzy między USA i Polską JEST LEGALNY w obu kierunkach, ale wymaga reporting przy większych kwotach. Najpopularniejsze metody: SWIFT (banki, $20-50 fee + 1-3% FX spread), Wise (online, $5-15 fee + 0.4-1% FX spread), Western Union/MoneyGram (drogie ale szybkie), OFX/Currencies Direct (large amounts >$10k). US reporting: FBAR (FinCEN 114) jeśli polish accounts >$10k aggregate anytime/year, Form 8938 jeśli >$50k (single) / $100k (MFJ). Bank reportuje IRS dla transferów >$10k (CTR — Currency Transaction Report). Polish side: polish bank zgłasza GIIF jeśli >15k EUR. PRZEWOŻENIE GOTÓWKI: USA wymaga deklaracji >$10k przy wjeździe/wyjeździe (Form FinCEN 105). PL wymaga deklaracji >10k EUR. Niewdeklarowane = konfiskata + karny. ZAWSZE deklaruj. Wire transfer ZAWSZE legal/safe.
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