pm-china-life

Help a student and family plan university applications after the 高考 (gaokao): use the student's provincial rank rather than raw score, build a 冲 / 稳 / 保 (reach, match, safe) list from official historical admission data, check subject requirements under the new gaokao, and weigh major against university. Use when asked 帮我填高考志愿, 志愿怎么填, 冲稳保怎么排, 这个分数能上什么学校, or plan gaokao applications. Produces a structured application list with the reasoning for each choice, a risk check of the whole list, and the questions to settle as a family. Never guarantees admission.

Use when asked 帮爸妈办医保, 帮父母办养老金认证, 爸妈异地就医备案, 帮老人办银行业务, 父母被诈骗了怎么办, 教爸妈用手机办事, 代办委托书, or help an adult child handle 医保, 社保, 养老金, banking or scam protection for ageing parents in mainland China. Produces a task list for this errand, what the adult child can do remotely versus what needs the parent in person, the documents and authorisation needed, a step list for the parent in very plain large-step language (长辈版) with a call-for-help line, and an anti-scam card, with every local rule marked to confirm.

Use when asked 公积金怎么提取, 租房能提公积金吗, 离职后公积金怎么办, 公积金贷款能贷多少, 异地提取公积金, or plan how to use a Chinese housing provident fund (住房公积金). Produces the withdrawal routes the person qualifies for (购房, 还贷, 租房, 离职或离开城市, 退休, 重大疾病 and others), the documents and channels for each, a comparison of withdrawing versus keeping the balance for a 公积金贷款, and the city-specific limits to confirm.

Use when asked 积分落户怎么算, 我能不能落户上海 / 北京 / 深圳, 居转户条件, 落户积分差多少, 人才引进落户, or check eligibility for a city household registration (户口) in China. Produces the routes available in the person's city (积分落户, 居转户, 人才引进, 应届生落户 and others), a score estimate built only from the city's current official scoring table, the gap and how to close it, a document checklist and a timeline, each marked to confirm with the city's official notice.

Prepare for China's annual individual income tax reconciliation (个税年度汇算): check income, deductions and special additional deductions, compare the two treatments of a year-end bonus, and estimate the refund or amount to pay before filing in the 个人所得税 app. Use when asked 个税汇算怎么弄, 年终奖单独计税还是合并, 我能退多少税, 专项附加扣除, or how does China's annual tax reconciliation work. Produces a filing checklist, the deductions the person may be missing, a bonus comparison, the estimate with workings, and deadlines. Not tax advice.

Decode a mainland China labour contract (劳动合同) before signing: probation, pay and its structure, working hours, social insurance, non-compete and confidentiality, termination terms and anything that conflicts with the Labour Contract Law. Use when asked 帮我看看劳动合同, 劳动合同有什么坑, 试用期合法吗, 竞业限制条款, or review my Chinese employment contract. Produces a clause-by-clause decode with red, amber and green flags, the statutory limits each clause must respect, the questions to ask HR, and suggested wording for changes. Not legal advice.

Use when asked 医保怎么报销, 异地就医怎么备案, 住院能报多少, 门诊报销比例, 手工报销要什么材料, 惠民保值不值得买, or work out what China's basic medical insurance (医保) will pay for a treatment. Produces the person's scheme (职工医保 or 居民医保), how a claim works for this case (direct settlement or manual reimbursement), an out-of-pocket estimate built from the city's own deductible, rate and cap, the cross-region registration (异地就医备案) steps, and the documents to keep.

Estimate economic compensation (经济补偿金) when employment ends in mainland China: N, N+1 or 2N under the Labour Contract Law, with the high-earner cap, the part-year rule and the questions that decide which case applies. Use when asked 我被裁员了能拿多少补偿, N+1 怎么算, 经济补偿金计算, 违法解除 2N, or how much severance am I owed in China. Produces the scenario that likely applies and why, the calculation shown step by step, what to check before signing anything, and where to get it confirmed. Not legal advice.

Use when asked 个体户怎么报税, 小规模纳税人增值税怎么算, 小微企业所得税优惠, 经营所得汇算, 开票超过免税额怎么办, or plan taxes for a sole trader (个体工商户) or small company in China. Produces the taxes that apply (增值税, 附加税费, 个人所得税经营所得 or 企业所得税), the relief that may apply with the announcement to check, a worked estimate from the person's own figures, a filing calendar, and the questions for the local tax office or 12366.

Explain China's social insurance and housing fund (五险一金) for a specific person and city: what each part covers, what they and their employer pay, how the contribution base works, and what happens when they change job, city or leave work. Use when asked 五险一金是什么, 社保怎么交, 公积金怎么提取, 换工作社保断了怎么办, 社保基数, or explain Chinese social insurance. Produces a plain explanation for their situation, a contribution calculation using their city's current rates, and a checklist for job changes, moving city, unemployment or freelancing. Not financial advice.