📁 Tax (5 guides)
China income tax 2026: brackets, deductions and pitfalls
Everything about China's 2026 income tax in one read: the basic deduction, seven progressive brackets, 7 special additional deductions, cumulative withholding — plus worked examples for 4 typical income profiles.
The 6 Bonus Tax Trap Zones in 2026: One Yuan More, a Thousand Less
Bigger isn't always better! Six trap zones mean one extra yuan can cost thousands. Full 2026 trap table plus optimization tactics.
Corporate Taxes 2026 in Practice: VAT, Surtaxes, CIT
Which taxes does a company pay? Small-scale or general taxpayer? What SME breaks exist? Real numbers, complete ledger, 2026 edition.
Property Purchase Taxes 2026: Deed Tax, VAT, Income Tax
What taxes does a CNY 1M home purchase trigger? Deed tax, VAT, income tax and the maintenance fund — fully broken down for buyer and seller.
Sole Proprietorship vs Company 2026: Which Saves More Tax
Company or sole proprietorship? Five real income brackets compared: under CNY 1M annual invoicing, sole proprietors typically save 30–50% in tax.
📁 Finance (7 guides)
China mortgage rates 2026: LPR, fund & combined loans
Mortgage rates in 2026 explained: commercial vs provident fund vs combined loans, 3 repayment methods compared, and 4 common decision traps.
IRR: busting low-rate installment illusions
A "6%" installment loan can carry an IRR of 11%–13%. Five real scenarios teach you to bust every low-rate pitch with IRR.
Best Prepayment Timing: Shorter Term or Lower Payment?
Prepayment saves interest but drains liquidity. Three real scenarios: when to prepay, when not to, and term-vs-payment trade-offs.
True Auto Loan Cost: Dealership Financing vs Bank Loans
Is the dealer's "0% interest" real? What's the true rate of credit-card auto financing? This article uses IRR to bust every 4S-store pitch.
Compounding & Regular Investing: The Science of the Snowball
Compound interest is the eighth wonder of the world. Four real scenarios show CNY 1,000/month over 30 years snowballing from CNY 360K contributed into CNY 1.5M.
Exchange Rates in Practice: Smart Conversion for Travel & Study
Cash or transfer? How big is the gap? The smartest ways to exchange money and avoid cross-border traps.
Rent vs Buy over 10 Years: Real Numbers from 3 Cities
Ten years of renting versus buying with a mortgage — real data from three Chinese cities. In tier-1 cities, renting may well win.
📁 Insurance & Work (6 guides)
Social Security & Housing Fund 2026: bases, rates and transfers
How much do you actually contribute? What's the employee/employer split? How do transfers work when you move cities? Every practical detail of China's social insurance & housing fund for 2026, in one place.
Retirement Pension 2026: How Much Per Month?
How much will the public pension actually pay? Real formulas: 30 years of contributions on a CNY 10K base, retiring at 60, yields CNY 4,500+/month.
From HR's View: An Employee's True Total Cost
A CNY 10,000 gross salary really costs the employer 14,000+. A full cost breakdown of one employee — essential for HR and founders.
Annuity Real IRR: Auditing the Sales Pitch
Is the "4.5% compound" in annuity pitches real? IRR says actual returns may be just 2.5%–3.5%, far below the headline.
Overtime Pay at 1.5x/2x/3x: The Complete Calculation and How to Claim It
How do the 1.5x/2x/3x rates actually work? Can comp time replace holiday pay? The complete legal reading, with worked math.
N, N+1, 2N severance: the complete lawful guide
How much are you owed when let go? N, N+1 and 2N explained — every number and step for asserting your rights.
📁 Assessments (2 guides)
All 16 MBTI types: career strengths and traps
MBTI is not mysticism — it's a self-awareness tool. This guide maps all 16 types with their best careers, typical traps, and workplace advice.
RSTI 15 Dimensions: Decoding the Workplace Subconscious
RSTI goes finer than MBTI, unpacking the workplace subconscious across 15 dimensions — full interpretations and use cases inside.
📁 Life (6 guides)
RMB Amounts & Invoice Headers: The Complete Finance Guide
Why must reimbursements use formal words? How to manage invoice headers? Essential conventions for finance staff.
2026 Child-Rearing Costs: Pregnancy Through College
What does raising a child through college cost? Real data from four cities: CNY 1–2M in tier-1, CNY 500–800K in tier-2/3.
Life progress: days lived, days remaining
China's average life expectancy is 78.6. At 30 you have lived 10,950 days, with about 17,700 left. These numbers can change how you choose to live.
The Kinship Map: Address Every Relative Correctly
Dread fumbling "uncle" titles at family reunions? This visual guide maps every common relation.
2026 China Public Holidays: 13 Days, Full Calendar with Overtime Pay
13 statutory holiday days plus swapped workdays in 2026 — the complete calendar with an overtime pay lookup.
Resignation Cost: Bonuses, Options and Leave at Stake
Quitting is more than a month's notice. Every hidden cost unpacked: forfeited bonuses, unvested options, leave payouts, new-job probation.