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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Do not assume notarization is mandatory for estate inheritance: small bank deposits up to 50,000 RMB can be withdrawn directly, and real estate can be transferred at the registration registry by all statutory heirs together

For deposits totaling 50,000 RMB or less at a single banking institution, surviving spouses, children, or parents can withdraw the funds directly with…

Cost
Free. Requires visiting banking institutions individually and coordinating all statutory h…
Benefit
Under joint circulars issued by the China Banking and Insurance Regulatory Commission (CBI…

Platforms must never collect payments themselves and then transfer them to sellers; funds must be settled directly via a licensed payment institution.

If a platform first receives buyer payments into its own account and then forwards them to sellers, it is effectively operating a payment business. Ru…

Cost
No monetary cost is involved. However, it requires some time to integrate a product from a…
Benefit
According to regulations, a payment business is defined as “transferring monetary funds ba…

Paid websites require a license; platforms that facilitate transactions need a different type of permit; free sites only need to be registered.

Websites that charge users must first obtain a Value-Added Telecommunications Business License. This license is issued solely to companies; individual…

Cost
Registration is free of charge. Obtaining a Value-Added Telecommunications Business Licens…
Benefit
The regulations state: “The state implements a licensing system for commercial Internet in…

Obtaining a license for online cultural activities is required to run live streams; private companies rarely qualify for the permit needed to distribute audiovisual content

To host live streams or game commentary sessions, you must secure a provincial-level Online Cultural Activities License that explicitly lists “online …

Cost
The so-called “Online Cultural Activities License” governs whether one may earn money via …
Benefit
Securing the proper licensing framework ensures legal operation within China’s digital med…

Servers placed in China must be registered; ISPs must hold a value-added telecom license

If you host a server inside China, you must register it before launching your website. Registration itself costs nothing and is handled alongside the …

Cost
There is no fee for registration. It is submitted together with the server application at …
Benefit
The regulation explicitly states: “Without prior registration, no entity may provide non-c…

Requiring sellers to join the platform means the platform must verify identities, register data, report information, and retain records for three years

If you allow third parties to sell goods on your platform, you must first verify their identity, address, contact details, and business licenses, then…

Cost
No direct monetary cost. However, the platform must perform background checks on sellers’ …
Benefit
Legal regulations set specific obligations for platforms. The official wording states that…

You must regulate user-generated content: moderation mechanisms, reporting portals, and immediate takedown plus reporting of illegal material

Platforms are legally responsible for any issues arising from user content. You must set up a full system: user registration, post and comment moderat…

Cost
It costs money to hire moderators — this is the platform’s biggest ongoing expense. Report…
Benefit
Regulations require platforms to “fulfill primary responsibility for managing user-generat…

Providing information publishing and instant messaging services requires users to provide authentic identity information

If your website allows posting or chatting, you must collect users’ real identity details at sign-up. Those who refuse to provide such information can…

Cost
Implementing a real-name verification system involves paying per-use fees for the verifica…
Benefit
The law explicitly states: “Internet service providers offering network access, domain reg…

No live streaming accounts may be created for anyone under 16; tipping limits are set by age group

People younger than 16 cannot sign up for a live streaming account on this platform. Those aged 16 or older must have their identity verified and must…

Cost
There are no direct costs. The process simply requires adding two extra steps during regis…
Benefit
The law clearly states that “online live streaming service providers must not offer accoun…

Respond promptly to infringement notices; restore content after 15 days if no response

If someone sends you an infringement notice with preliminary evidence, you must promptly delete, block, or remove the relevant content and forward the…

Cost
No cost involved. You must establish a fixed workflow: receive the notice, forward it to t…
Benefit
Rights holders are entitled to request e-commerce platforms to take necessary measures suc…

When picking a server, first consider how much downtime you can tolerate, then check whether there’s any support available, and only then compare prices.

The main difference among these three options isn’t price — it’s what resources you’ll have at hand when something goes wrong. Big providers offer reg…

Cost
Cloud instances from major providers typically cost several hundred to several thousand yu…
Benefit
Again, the key distinction isn’t price but the support you can rely on during an emergency…

If user data in your website or app is breached, immediately remediate, notify affected users and regulatory authorities, and report cyberattacks to public security

If a breach, tampering, or loss of personal information occurs or is suspected, you must immediately deploy remedial containment, notify regulatory au…

Cost
Free. Requires having a predefined data incident emergency response plan in advance: desig…
Benefit
Article 57 of the Personal Information Protection Law (PIPL) provides that upon the occurr…

When offering auto-renewing subscriptions, display prominent reminders before enrollment and prior to each billing cycle, and ensure cancellation options are easily accessible

When selling auto-renewing memberships, operators must display conspicuous disclosures before initial user signup and prior to each recurring charge d…

Cost
Free. Clearly describe recurring terms on subscription enrollment pages, dispatch an autom…
Benefit
Under Article 18 of the Measures for the Supervision and Administration of Online Transact…

Register for the Maternal and Child Health Handbook at a community health center before 13 weeks of pregnancy to claim free prenatal checkups

You are entitled to at least five free prenatal checkups during pregnancy, plus home visits after delivery and a 42-day postpartum checkup, all paid f…

Cost
No cost at all — this is part of the national basic public health service program. You’ll …
Benefit
The third edition of the National Basic Public Health Service Standards outlines specific …

Getting tested for HIV, syphilis, and hepatitis B during the first prenatal visit — free prevention options available

During your very first prenatal checkup, you can get tested for HIV, syphilis, and hepatitis B at no personal expense. Even if results show a positive…

Cost
No cost involved; the maternal and infant transmission prevention program provides these t…
Benefit
Maternal and infant transmission is how infections pass from a mother to her unborn or new…

Get screened for gestational diabetes at 24 weeks of gestation or later — don’t mind drinking the sugary solution

Gestational diabetes is high blood sugar that appears only during pregnancy. At 24 weeks or later, spending half a morning drinking a sugary solution …

Cost
Several tens to over a hundred yuan. You must fast beforehand, and several blood draws wil…
Benefit
The U.S. Preventive Services Task Force recommends screening for gestational diabetes at 2…

Memorize this “go to the hospital immediately” checklist — it applies throughout pregnancy and the first year after childbirth

If any of the following symptoms appear, head to the hospital on the same day — do not wait until the next morning. Persistent or worsening headaches,…

Cost
No cost at all. It takes just five minutes to memorize, and it’s a good idea to share it w…
Benefit
These are all emergency warning signs during pregnancy and postpartum listed by the US Cen…

Ask for labor analgesia — it does not raise the risk of C-section

Labor analgesia involves injecting anesthetic into the lower back to dull the pain of childbirth. It works far better than other pain‑relief options a…

Cost
Several hundred to over 1,000 yuan; prices vary by region. Be sure to ask the hospital and…
Benefit
A Cochrane systematic review found that epidural analgesia is more effective than non‑epid…