I called the IRS ITIN hotline exactly 4 weeks ago and requested a change of the mailing address and a re-issued ITIN notice to the new address (within the same neighborhood in a suburb of Los Angeles). Until May 26th I did not receive a new notice and my profile in IRS.GOV still shows the old address. Is it normal that nothing changed since 4 weeks? How long might the technical update and the delivery of the new ITIN notice take? Would be nice hearing about your experiences regarding that matter. Thank you!

Hi everyone — asking for a friend who is a non-U.S. person with no SSN or ITIN. Is there any practical way to open a personal checking account at a U.S. brick-and-mortar bank that is unconditionally free? My friend visits the U.S. once or twice a year for a week or two and wants the account mainly for local expenses. Most banks we’ve checked charge monthly fees unless you meet waiver conditions like minimum balance, direct deposits, age requirements, or regular activity, which does not fit this travel pattern. The only close option I found is BMO Smart Advantage Checking, but BMO branches are limited to certain states, mostly California, Illinois, Wisconsin, Colorado, and Arizona — not New York or surrounding states. Any better ideas or personal experiences from nonresidents without an SSN/ITIN? Thanks!

Hi friends, recently I secured a residential mailing address in New York State and was also able to get the hydro listed in my name. Next, I was able to get an USA AMEX Blue Cash credit card. The challenge is that the new roommate, who I do not know very well, has turned out to be very difficult to work with. I suspect they are going to prevent me from receiving any more mail. Meaning, I’m expecting they will not notify me when new Credit Offers get mailed to me in the coming future. Ultimately, I will need to find a new USA residential mailing address. But, while I look for a new residential mailing address…does this mean that I’m at risk of my new semi-roommate simply throwing 100% of all new Credit Card offers mailed to me at his address straight into the garbage? Does anyone have any suggestions that I might not be aware of..other than of of course, finding a new USA residential mailing address?

Hi guys 👋 Looking for advice on the best state to form and run a 501(c)(3) for a nonprofit project by digital nomads. AI suggestions have been pretty generic and don’t really fit our case, so we’d love input from people with real experience. Also, just to clarify upfront: under the law, a 501(c)(3) cannot be an LLC — it must be a nonprofit corporation, with the corresponding compliance requirements. Our situation: 1. 5 directors (all natural persons); operations fully outside the U.S. 2. No active solicitation in the U.S. → ideally no need for AG registration 3. No need for director privacy (names can be public on the Secretary of State) 4. Expected annual revenue well under $50k (below IRS thresholds) 5. Minimal formation costs, and ideally $0 annual state-level maintenance fees Given this setup, which state would you recommend and why? Also—are there any videos or content from James Baker where he discusses the best states for forming a 501(c)(3)? Thanks a lot 🙏

Do I get a credit score as a non resident? If yes which card do I start with to build history?