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

126 guides found

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Use a unique password solely for your email

If a password you use elsewhere gets stolen, attackers can use it to log straight into your email account. Once they gain access to your email, they c…

Cost
No cost involved. Storing it in a password manager eliminates the need to memorize it. The…
Benefit
Credential stuffing is one of the easiest attack methods: attackers simply test stolen pas…

Set a screen lock on your phone and a PIN for the SIM card

The SIM card is that tiny card inside your phone that receives SMS verification codes. If your phone gets lost, a finder can remove the card and inser…

Cost
No cost at all. You only need to set the screen lock and the SIM PIN once each.
Benefit
Someone finding a lost phone may move its SIM to another handset, receive SMS verification…

Follow these steps if you lose your phone: block the SIM card, remotely lock it, change passwords, file a police report, and freeze your bank cards if needed.

The order of actions matters more than speed. First, block the SIM card to cut off access to verification codes. Next, remotely lock the phone. Then, …

Cost
No cost involved. Completing all steps takes just a few minutes.
Benefit
Following the correct sequence is more important than acting quickly. Step one is blocking…

If your card is fraudulently used, report it and freeze the card first, then demand compensation from the bank: proving “you made the transaction” is the bank’s responsibility

If someone fraudulently uses your card, you don’t have to prove “this wasn’t me.” Instead, it’s the bank’s duty to prove the transaction was made by y…

Cost
No cost at all. As soon as you notice anything suspicious on your card statements, immedia…
Benefit
Supreme Court rulings clearly define who must provide evidence. If you claim the transacti…

Periodically check the devices logged into your account and any authorized apps, then remove the ones you no longer use

The logged-in-device list shows phones and computers that can still access an account. If unfamiliar devices or long-unused linked apps appear, change…

Cost
No cost at all. It only takes a few minutes each time. The hard part is that there’s no re…
Benefit
The device list shows current account access, while authorized apps are third-party servic…

Don’t tap “Allow all” just to use an app: the data isn’t mandatory, and refusing to share it won’t block service access

Apps request your data. If that data isn’t strictly necessary to deliver the service, the app can’t deny you access just because you refuse to share i…

Cost
No cost involved. The hard part is resisting the urge to tap “Allow all.”
Benefit
Two key legal points apply here. First, providers may not deny products or services on the…

You’re not required to use facial recognition: if other options exist, they must offer you alternatives if you refuse

As long as any other method can achieve the same result, a service provider cannot force you to use facial recognition. If you decline facial recognit…

Cost
No cost involved. When asked to use facial recognition, simply ask, “Are there any other v…
Benefit
The Administrative Measures for the Safe Use of Facial Recognition Technology clearly stat…

Do not entrust proprietary code, API keys, or confidential data to unverified "AI relay proxy stations," especially when allowing AI agents to execute local commands autonomously

An intermediary proxy sits directly between you and the model provider: it can observe, intercept, and modify everything you send and receive. In an e…

Cost
Direct official API access is typically more expensive than third-party relay proxies, and…
Benefit
In June 2026, the Ministry of State Security issued a cybersecurity advisory warning that …

Audit SIM cards and bank cards registered under your national identity once a year, and cancel unauthorized cards immediately

Criminal fraudsters frequently use stolen or forged ID information to open fraudulent SIM cards and bank accounts, often leaving victims completely un…

Cost
Zero financial cost. Check SIM cards via the "MIIT Micro-Report" official WeChat account o…
Benefit
The Anti-Telecom and Online Fraud Law mandates that telecommunications authorities provide…

Before canceling or changing a mobile phone number, migrate or unbind all linked online services and update your bank registration

Once a mobile phone number is cancelled, telecommunications carriers are legally permitted to reissue that recycled number to a new subscriber after j…

Cost
Zero financial outlay. Requires migrating accounts individually to your new number, and up…
Benefit
National Telecommunications Service Specifications mandate that the minimum quarantine fre…

The amount of the deposit, its refund timeline, and permissible deduction scenarios must be specified in the contract

The deposit amount, when it will be returned, and under what circumstances deductions are allowed must all be written into the contract before you sig…

Cost
No monetary cost. It only requires an extra ten minutes when signing the contract. The cha…
Benefit
Regulatory statutes make this clear: “Landlords collecting a deposit must specify the depo…

When water and electricity are cut off, locks are changed, or you’re threatened to leave — call the police right away: laws forbid using these tactics to force you out

Landlords are strictly prohibited by law from cutting off utilities, changing locks, or threatening tenants to end a lease or force them to move out. …

Cost
No cost at all. Just make a phone call to the police and they’ll be there immediately.
Benefit
Administrative regulations make it clear: “Landlords may not use violence, threats, or any…

Check a long-term rental’s escrow account before paying a full year’s rent upfront

The discount you get from paying a full year’s rent upfront is minimal. If the rental company goes out of business, you lose both your security deposi…

Cost
No cost at all. It takes just a few minutes to verify.
Benefit
Regulations require any housing rental business that sublets units to set up a dedicated e…

House sold during lease term – lease remains valid, no need to move

If a house is sold while you’re still renting it, your lease stays valid. The new owner must honor the original contract and let you live there until …

Cost
No cost at all
Benefit
The Civil Code includes a principle known as “sale does not break lease,” meaning a proper…

For second-hand home sales where the agent collects the payment, the funds must be deposited into a dedicated transaction account opened by the agency at a bank

The purchase price can range from hundreds of thousands to millions of dollars — this is the largest single transaction amount discussed in this guide…

Cost
No cost involved. The challenge is ensuring the payment goes into the designated account; …
Benefit
Regulations are explicit: any real estate agency entrusted to collect or disburse transact…

Don’t rent a subdivided apartment: the smallest legal rental unit is the original room as designed; kitchens, bathrooms, balconies must not be used for living.

By regulation, the minimum rental unit is the original room as built. Kitchens, bathrooms, balconies, and basement storage areas cannot be used for li…

Cost
There’s no direct expense. The trade-off is that with the same budget, you’ll either have …
Benefit
The rules are clear: the smallest legal rental unit is the original room, and it cannot be…

Urban residents with hukou who want to live in the countryside can only rent rural houses — they must not buy homestead land or houses on it

People with urban hukou are expressly prohibited by national regulations from buying homestead land, rural houses, or “small-property houses” in villa…

Cost
No upfront cost. The trade-off is that the house remains the landlord’s property; the maxi…
Benefit
Official documents from the General Office of the State Council make clear: “Urban residen…

When purchasing off-plan presale property, verify the presale permit first; deposit, down payment, and mortgage funds must be deposited exclusively into the designated escrow account specified in the contract

Off-plan presale property refers to residential real estate sold prior to construction completion. Without a valid statutory presale permit, developer…

Cost
Zero financial outlay. Spend a few minutes checking the presale permit and matching the ba…
Benefit
Under the August 2026 joint directive issued by the Ministry of Housing and Urban-Rural De…

If a formal contract cannot be finalized or mortgage financing is denied due to reasons not attributable to either party after paying a reservation deposit or down payment, demand a full refund

When you pay a reservation deposit or down payment but a formal sales contract cannot be executed, or mortgage financing fails due to non-fault causes…

Cost
Zero monetary cost. Review mortgage contingency and earnest clauses carefully when executi…
Benefit
Under Supreme People's Court judicial interpretations on commodity housing contracts: wher…

Clarify floor area discrepancy remedies before signing a new home contract, and preserve photographic evidence of promotional brochures, advertisements, and architectural scale models

Unless the sales contract specifies otherwise, if the registered deed area of a delivered home differs from the contract area by 3% or less, payments …

Cost
Zero financial outlay. Review the area error terms before signing and photograph marketing…
Benefit
Under the Measures for the Administration of the Sale of Commodity Housing (Ministry of Co…