Use the least money, time and willpower
to win back years of life, money and freedom.
467 tips ranked by value. Each one states what it costs, what it gets you, and how strong the evidence is. Pick one or two, and that counts.
Start with one small thing
Almost no money, no time, no willpower: start with small things worth doing.
Buckling up in the front seat of a car cuts your chance of being killed in a crash by more than 40%. In the front of a light truck it cuts the risk by about 60%. Of the people who died in U.S. cars in 2022 whose belt use is known, half were not buckled up.
Rewrite "I'm going to do this" as "At 8 a.m. on Tuesday, when I sit down at my desk, I write the introduction first." Pooling 94 tests, people who wrote their goals this way were clearly more likely to reach them, a medium-to-large effect. All you change is the wording of one sentence. It costs no money and takes little effort.
In 2018 the then chairman of the former China Banking and Insurance Regulatory Commission (้ถไฟ็ไผ) said: a return above 6% should raise questions, above 8% is very dangerous, and at 10% or more you should be prepared to lose your entire principal. Legitimate wealth products are no longer allowed to promise a guaranteed principal or return. Money lost in illegal fundraising is, by regulation, borne by you, and no one steps in to cover it when things go wrong.
People who have had calcium oxalate stones are often told to eat less calcium, but the trial result was the opposite. Men with recurring stones who ate a normal amount of calcium and also ate less animal protein and salt had only half as many recurrences over five years as those on a low-calcium diet. The UK guideline also states plainly not to restrict calcium.
An IOU should be complete: lender, borrower, amount, interest rate, term, way of repayment, with both signatures. Send the money by transfer, not cash, and a complete IOU is easier to sue on. When you guarantee someone's debt, check whether the word "joint" (่ฟๅธฆ) appears. With an ordinary guarantee (ไธ่ฌไฟ่ฏ), you come in only after the creditor has sued the borrower and could not collect. With a joint-and-several liability guarantee (่ฟๅธฆ่ดฃไปปไฟ่ฏ), the creditor can come straight to you for the money.
These part-time jobs earn a few hundred CNY, and the price is a criminal record. One person took his ID card and 1 bank card to a designated place, helped with transfers and withdrawals, and earned more than 500 CNY. The procuratorate did not prosecute him, but the police still detained him for 10 days and fined him 1,000 CNY. Another person handed his own and other people's bank cards and SIM cards to a gang to receive and withdraw money, and was sentenced to 2 years and 3 months and fined 22,000 CNY (2.2ไธ).
