High-Value Life GuideLife's expensive mistakes
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Policy, legal and insurance guides primarily concern mainland China. Scope and sources ↗

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34 chapters. 765 guides. Search a problem or browse the complete source order.

Browse all 34 chapters in source order
01Avoiding Premature Death48 guides02Preventing Chronic Decline47 guides03Protecting Your Mental Energy27 guides04Stopping Time Wasters18 guides05Cutting Financial Waste50 guides06The Anti-Checklist35 guides07Surviving Broke23 guides08Staying Out of Trouble46 guides09Everyday Legal Traps29 guides10The Economics of Dating and Marriage23 guides11Legal Boundaries for Developers21 guides12Starting and Running a Business28 guides13Handling Emergencies48 guides14Digital Security and Privacy12 guides15Renting and Buying a Home18 guides16Managing Chronic Illness14 guides17Caring for Aging Parents13 guides18The True Cost of Raising Kids7 guides19Workplace Rights and Injuries24 guides20Newborn Survival Guide17 guides21International Travel Safety13 guides22Science-Backed Relaxation12 guides23High-Leverage Skills to Learn25 guides24Navigating Healthcare15 guides25Handling End-of-Life Affairs12 guides26Building a Compliant Platform13 guides27Pregnancy and Childbirth20 guides28Appearance vs. Health10 guides29Recovering from Major Life Blows14 guides30Raising School-Age Kids21 guides31Life Paths After Eighteen17 guides32Studying Abroad Pragmatically12 guides33Navigating Life with Disability21 guides34Safe Home Medication12 guides

765 guides found

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For calls and in-person talks where things might turn sour, start recording right away: you can record conversations you personally take part in without needing prior consent from the other party.

When it comes to loans, debts, compensation, refunds, or labor disputes, misunderstandings can arise months later even if everything was discussed cle…

Cost
There’s no cost involved. Simply turn on the call recording feature on your phone or use a…
Benefit
Article 66 of the Civil Procedure Law lists audio/video recordings and electronic data as …

In an emergency at the scene, first film a wide shot, then capture the spatial relationships, and finally record the damage and injuries — keep the original photos and videos.

If you only film close‑ups of a single scratch on a car or an isolated object on the ground, later on no one will know where they originally were. Beg…

Cost
No cost involved. Simply use your phone to film for several seconds to a few minutes. Firs…
Benefit
Article 66 of the Civil Procedure Law lists physical evidence, audio‑visual materials, and…

Domestic violence: Call the police to get an incident report, then apply to court for a protection order — no divorce required and it’s free

Worldwide, over one third of all female homicide victims are killed by their partners — often as a final outcome of long‑term abuse. Among women who h…

Cost
There is no cost at all. Applying for a protection order involves no filing fees or bonds.…
Benefit
First, the risks. A systematic review of data from 66 countries shows that in cases of fem…

Family members have gambling debts — don’t rush to pay them: gambling debts aren’t legally protected, nor are loans taken for gambling considered joint marital debts

Money owed from gambling isn’t protected by courts. Even if creditors know the borrower is using the funds for gambling, those loans still get no lega…

Cost
No money is required. The hard part is resisting the urge to pay when creditors show up at…
Benefit
A 2017 notice from the Supreme People’s Court outlines four key points: Debts arising from…

If an acquaintance asks you to "help scan your face or act as a witness" for a loan, or asks you to read out an SMS verification code, refuse immediately: this is an "AB Loan" scam where you become the legal borrower, not a guarantor

Requests to "help scan your face as a witness" are fraudulent schemes where loan brokers apply for bank credit directly under your legal name. You are…

Cost
Zero financial outlay. The willpower challenge is saying no to friends or relatives who as…
Benefit
Official consumer risk warnings issued by financial regulatory authorities (including NFRA…

Secure doors and windows with proper locks, install an exterior motion-sensor light, and reliably lock up when leaving: physical locks and lighting prevent residential burglary far more effectively than standalone alarms

Empirical crime data from the UK indicates that households combining quality door locks with window locks face only one-twelfth the risk of residentia…

Cost
Upgrading deadbolts, adding window security latches, and installing an exterior motion-act…
Benefit
Analysis of the Crime Survey for England and Wales (37,416 households surveyed between 200…

Do not share unverified messages about disasters, epidemics, or police incidents in groups; do not photoshop images or use AI to generate fake scene pictures.

If you know a message about a disaster, epidemic, or police incident is false yet still share it, you’ll face penalties just as severe as if you had f…

Cost
No cost involved. Simply check whether the message is an official announcement before shar…
Benefit
Those who deliberately spread rumors or make false reports about disasters, epidemics, or …

Do not post, share, or comment images, memes, or remarks that insult heroes and martyrs, nor make jokes about the national flag or anthem.

Making jokes about heroes, martyrs, the national flag, or anthem can lead to a detention period of 5 to 10 days, or a fine ranging from 1,000 to 3,000…

Cost
No cost at all. There is absolutely no need to comment on, edit, or forward any content re…
Benefit
Those who insult, slander, or fabricate false information about heroes and martyrs, thereb…

After viewing content on foreign websites, simply close the page — do not screenshot, share, repost, or discuss it in any groups or comment sections.

Viewing overseas websites is not restricted by law, but downloading, screenshotting, or reposting content to domestic groups or social media is legall…

Cost
No cost involved. Once the page is closed, the matter is over. There is no need to archive…
Benefit
Those who spread false information, slander, or otherwise incite others to subvert state a…

Part-time jobs that ask you to use your own card to receive payments, withdraw cash, or transfer money — no matter how much extra pay they offer, avoid them

These part-time jobs promise only a few hundred dollars in earnings, yet they can leave you with a criminal record. One person brought his ID and a si…

Cost
There is no direct monetary cost, but you should steer clear of any “pay-per-day” gigs tha…
Benefit
Anyone who knowingly helps move, buy, sell, or otherwise conceal money or property obtaine…

Some people try to get you to “package loan applicants” for them and offer a commission based on the loan amount — don’t fall for it.

Helping others “package” loan applications in order to get a cut of the proceeds is a form of fraud. One criminal gang of 126 members turned unemploye…

Cost
There’s no cost at all. Just say no. Never lend your ID card or credit report to anyone, s…
Benefit
Committing fraud to obtain loans, acceptance letters, letters of credit, or guarantees fro…

Keeping found items and not using them for personal gain; returning lost phones, wallets, or cash to owners or police

Keeping found items for personal use when the value reaches “a relatively large amount” without returning them is a criminal offense known as misappro…

Cost
No cost at all — it only takes a few minutes. Simply call the owner or bring the items to …
Benefit
Returning lost items to their rightful owners promptly — whether by notifying them directl…

Use your real identity to claim discounts — don’t register fake accounts or exploit loopholes to get more

Using your own real identity and one account to claim a discount is perfectly fine. Creating multiple fake accounts or placing orders yourself just to…

Cost
There is no cost involved. You simply avoid taking part in “coupon‑hunting groups” and sta…
Benefit
Defrauding others or the state of money is punishable by up to three years in prison plus …

Register drones with your real name first; never fly near airports, military zones, or restricted urban airspace, and don’t tamper with altitude limits

Flying a drone without proper registration can result in a fine of up to 200 yuan; repeat or serious violations may incur fines ranging from 2,000 to …

Cost
Registering your drone is free and takes just a few minutes. Before every flight, check vi…
Benefit
Operators who fly without registration may be ordered to correct the issue and face fines …

Do not secretly film others, nor install cameras in rented apartments, homestays, or hotel rooms

Secretly watching, filming, or distributing someone else’s private information can lead to detention for up to 5 days, or a fine of up to 1000 yuan. F…

Cost
There is no cost involved, nor does it require any time investment. Simply avoid secretly …
Benefit
Those found guilty of secretly watching, filming, eavesdropping on, or distributing someon…

Do not eat wild animals; do not buy, sell, or keep protected species as pets

If you eat a nationally protected animal, the animal will be confiscated and you will be fined 2 to 20 times its market value. Those who purchase, tra…

Cost
No cost involved. Only purchase pets that are legally sourced and bred in captivity.
Benefit
Consuming or purchasing nationally protected wildlife results in confiscation of the anima…

You cannot detain or confine someone to collect a debt, nor follow them home and refuse to leave

The money truly belongs to you, but you still cannot detain or confine the debtor. Laws explicitly state that detaining or confining someone solely to…

Cost
There is no cost. If someone owes you money and refuses to pay, you can file a lawsuit in …
Benefit
Illegally restricting another person’s freedom, unlawfully entering their home, or conduct…

Do not lend your ID card, do not use someone else’s ID card, and do not register, open accounts, or buy tickets using another person’s documents.

Lending, renting, or transferring your resident ID card to another person results in a warning and a fine of up to 200 yuan. Using someone else’s ID c…

Cost
No expense involved. If someone asks to borrow it, simply refuse. If a copy is required, c…
Benefit
Lending, renting, or transferring one’s resident ID card to another person results in a wa…

Cooperate when stopped or taken away by police — don’t push, hit, or grab their body cameras; especially if you’ve been drinking, stay calm.

Simply refusing to comply with police orders can result in a warning or a fine of up to 500 yuan; more serious cases may lead to detention for 5 to 10…

Cost
No cost at all. Simply refrain from any actions on the spot. If you have complaints, you c…
Benefit
Refusing to comply with lawful police orders carries a warning or a fine of up to 500 yuan…

Sexual relations with anyone under 14 are illegal; “she consented” is not a defense

Any sexual contact with a person under 14 is treated as rape, regardless of whether they consented. Such acts incur harsher penalties, with a baseline…

Cost
No cost at all. If you’re unsure about the other person’s age, do not engage in any sexual…
Benefit
Sexual contact with anyone under 14 is classified as rape and punished more severely, with…