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
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.
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.
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.
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.
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.
All guides (265)
Renting an Apartment in the USA Without a Credit Score — Strategy, Documents, Cities
A fresh immigrant without a credit history? What landlords really check, how to negotiate, offered alternatives (co-signer, larger deposit), which cities are friendly, pitfalls, and how to bypass a credit check.
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.
How Much Does It Cost to Live in Chicago — Budget for Singles and Families (2026)
Real monthly expenses: rent, food, transportation, health insurance — with example amounts for different neighborhoods.
MetroCard vs OMNY — which is better for you?
Find out which transportation option in New York is better: MetroCard or OMNY. We compare the benefits, including fare capping and who still needs a MetroCard.
Car Accident in the USA — What to Do Step by Step, Insurance, Lawyer
In a car accident in the USA? The crucial first 30 minutes: safety, 911, photos, exchange info, do not admit fault. Complete guide: insurance claim, hit-and-run, Polish driver without papers, when to get a lawyer, Polish community lawyers.
Phone in the USA — prepaid without paperwork (T-Mobile, Mint, Cricket, Visible)
Prepaid plans without contracts: T-Mobile, Mint, Cricket, Visible, Tello — price comparison 2026, coverage.
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.
FHA Loan in the USA — Can a Pole Without a Long Credit History Qualify?
An FHA loan is a federally insured mortgage for first-time buyers and those with low credit scores, detailing conditions (3.5% down with 580+ credit), MIP (mortgage insurance for the life of the loan), limits, income requirements, how a Polish immigrant applies, and pros and cons compared to Conventional loans.
How to Check USCIS Case Status — Tools, Alerts, Escalation
Checking the status of a USCIS application: receipt number, online case status, myUSCIS account, email alerts, InfoPass, when to file a Congressional inquiry or Ombudsman.
How to Buy a Car in the USA — New, Used, Financing, Documents
Step by step — where to look (dealer, CarMax, privately), financing without credit, documents (driver's license, SSN/ITIN, insurance), title transfer, sales tax, basics of negotiation, Polish mechanic for inspection.
Ponzi Schemes in the USA — What to Watch Out For?
Learn how Ponzi schemes operate, their characteristic features, and how to protect yourself from them, along with historical examples and warning signs that can help avoid fraud.
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).
How to Rent an Apartment in New York City Without a Credit Score
Specific strategies for new immigrants: guarantor, larger deposit, shared apartment, no-fee apartments — what works in 2026.
How to Pass the Driving Test in the USA — Driver's License Exam
The procedure for obtaining a US driver license: documents, costs, theoretical and practical exams, and whether a Polish driver's license is sufficient.
IRS payment plan w USA — installment agreement, Offer in Compromise, Fresh Start
Jeśli winien IRS pieniędzy, masz kilka legalnych opcji negocjacji: Short-Term Payment Plan (do 180 dni, free), Long-Term Installment Agreement (do 72 mc, $31-225 setup fee), Offer in Compromise (settlement za reduced amount, $205 application fee), Currently Not Collectible status (IRS wstrzyma collections jeśli hardship), Fresh Start Initiative (od 2012 expanded). Nie ignoruj IRS letters — collections escalate: wage garnishment, bank levy, property liens, passport revocation (przy $50k+ debt). Most polish workers z tax debt mogą kwalifikować się na Streamlined Installment Agreement (do $50k debt, 6-letni plan, no financial disclosure). OIC settle za 10-30% original debt jeśli demonstrujesz inability to pay full. Statute of limitations: 10 lat od assessment — IRS nie może collect po tym (z exceptions).
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.
2FA + Password Manager — How to Secure Email, Banking, Social Media
80% of online account theft can be avoided with 2FA and unique passwords; a comprehensive 2026 guide on enabling 2FA, why Authenticator > SMS, Bitwarden vs 1Password, passkeys (new), and recovery codes, with step-by-step instructions for each platform.
ITIN — Tax Identification Number in the USA: What It Is, Who Needs It, How to Obtain It
ITIN (Individual Taxpayer Identification Number) — a 9-digit number from the IRS for individuals without an SSN who need to file taxes in the USA. A comprehensive guide: who needs it, how to submit Form W-7, where to find an Acceptance Agent, how long it takes, what ITIN does NOT provide, and common mistakes.
How to Get a Green Card in 2026 — A Guide for Poles
Real pathways to obtaining permanent residency in the USA in 2026: family, work, DV lottery, and more — costs, timelines, forms.
American-Style CV — What to Change, How to Write for US Recruiters
Differences between Polish CV and American resume: no photo, format, ATS keywords, how to convert.
SPIA or Deferred Annuity? What to Choose for Retirement?
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.
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.
How to Recognize Scammers Impersonating the Social Security Administration?
Learn how to identify scammers impersonating Social Security Administration employees, recognize warning signs, and protect yourself from phone scams.
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.
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