Policy, legal and insurance guides primarily concern mainland China. Scope and sources ↗
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According to regulations, at least 50% of sales revenue from lottery games must be paid out as prizes; for the Double Color Ball game, this figure is …
Regulatory authorities themselves state that any product offering a return rate above 6% should raise red flags, those above 8% are highly risky, and …
Making minimum payments is not a discount — it is essentially a daily‑interest loan that works out to roughly 18% per year. Once you use this option, …
On average, each gamer in China spends roughly 480 yuan per year on games, and that money is almost impossible to get back. Laws only require refunds …
Money spent by children over eight years old can be legally invalidated and refunded if the amount far exceeds what one would reasonably expect for th…
Each of these six scams works differently, but they all end the same way: the scammer gets the child to use a parent’s phone to transfer money or read…
Extended warranties typically cost 10% to 50% of the item’s original price. The profit margin on these warranties is roughly ten times higher than tha…
The second batch of centrally procured drugs saw an average price drop of 53%, with some drugs becoming 93% cheaper. As of April 2026, 11 procurement …
After completing this setup, any money in your individual yibao account can be used to cover medical expenses and medication costs for your spouse, pa…
In Beijing, the first-tier water price works out to 0.005 yuan per liter. Bottled water, calculated at 1 yuan for every 500 milliliters, costs 2 yuan …
Among investors who trade most frequently, the average annual return is only 11.4%, while the overall market average for the same period is 17.9%. Thi…
When you use borrowed money to buy stocks, any drop below a set threshold leaves you unable to add more funds, so your positions get automatically sol…
The collection of stocks held by actively managed funds already closely mirrors the overall market. Yet the extra management fees they charge are dedu…
For every 1 percentage point increase in a fund’s annual fee, the amount you end up with after 20 years drops by roughly 18%, and after 30 years by ab…
As long as multiple assets don’t all rise or fall in perfect unison, spreading your money across them keeps your average expected returns the same, wh…
For every yuan you deposit, the tax you save equals your marginal tax rate minus 3%. If you contribute the full 12,000 yuan in a year, a taxpayer at a…
According to three years of data from U.S. gyms, members who signed contracts with monthly fees exceeding $70 attended the gym just 4.3 times per mont…
Any business that accepts a prepayment from you must sign a written contract with you that clearly outlines how refunds will be handled. If a business…
What you save is exactly the money spent on items you no longer want the very next day. For online purchases, you can return them for any reason withi…
When judging whether something is cheap or expensive, people rely on the first price they see; later adjustments rarely make up for that initial impre…
The insurance company makes no promises about any dividends or refunds you might receive. Policy documents must explicitly state in bold text that “fu…
When you’re at fault, the mandatory insurance pays out only up to three specific limits: 180,000 yuan for death or disability, 18,000 yuan for medical…
Keep 3 to 6 months’ worth of living expenses in an account you can withdraw from at any time. This way, if you lose your job or fall ill, you won’t ha…
Paying off your mortgage is essentially the same as earning a guaranteed return equal to your mortgage rate. So the only question you need to ask is: …
