Instead of paying a subscription for cloud storage, try this DIY method for backing up your photos.
Entrepreneur’s Guide to Pay Stubs: Why Freelancers and Small Business Owners Need a Smart Generator
For freelancers and small business owners, managing income documentation is often an afterthought until it becomes urgently necessary.
Whether applying for a loan, filing taxes, onboarding a contractor, or preparing financial records, pay stubs play a critical role in maintaining credibility and compliance.
Unlike traditional employees who automatically receive detailed earnings statements, entrepreneurs must take a more proactive approach. This is where a smart pay stub generator becomes an essential business tool rather than a convenience.
What Are Pay Stubs and Why Do They Matter
A pay stub is an official record that outlines earnings, deductions, and net pay for a specific pay period. For entrepreneurs, pay stubs serve as proof of income, support accurate bookkeeping, and help demonstrate financial stability.
Banks, landlords, and lenders often request pay stubs even from self-employed individuals. Government agencies may also require them for audits, benefits verification, or compliance checks.
Freelancers who work with multiple clients often receive inconsistent payment formats such as invoices, bank transfers, or digital wallets. A standardized pay stub consolidates this information into a clear and professional document.
Small business owners, especially those running payroll for a few employees, rely on pay stubs to maintain transparency and meet labor requirements.
Challenges Entrepreneurs Face Without Proper Pay Stubs
Many freelancers attempt to substitute invoices or bank statements for pay stubs. While these documents show income, they lack important details such as deductions, taxes, and pay periods. This can lead to complications during tax filing or financial reviews.
Small business owners face additional challenges. Manual payroll calculations increase the risk of errors.
Missing or incorrect pay stub data can result in compliance issues or disputes with employees. Inconsistent records also make it difficult to track expenses and forecast cash flow.
A smart pay stub generator eliminates these problems by automating calculations, formatting documents correctly, and creating consistent records that align with professional standards.
Benefits of Using a Smart Pay Stub Generator
A smart generator does more than create a document. It simplifies financial management and adds legitimacy to your business operations. Key benefits include:
- Accuracy through automated calculations for earnings and deductions
- Time savings by eliminating manual data entry
- Professional formatting that meets lender and employer expectations
- Easy record keeping with downloadable and printable stubs
- Improved compliance for businesses issuing payroll
For freelancers, a generator helps present income in a way that traditional institutions understand. For small business owners, it ensures employees receive proper documentation while keeping payroll organized.
When Freelancers and Small Business Owners Need Pay Stubs
Pay stubs are often required in situations that entrepreneurs do not anticipate. These include applying for personal or business loans, renting commercial or residential property, filing annual taxes, securing visas, or verifying income for insurance and benefits.
Having access to a reliable generator allows entrepreneurs to respond quickly to documentation requests without scrambling for records.
Issuing pay stubs also signals professionalism. Clients, partners, and employees are more likely to trust businesses that maintain clear financial documentation.
Top 3 Pay Stub Generators for Entrepreneurs
Choosing the right pay stub generator depends on ease of use, accuracy, and reliability. Below are three trusted platforms that freelancers and small business owners frequently rely on.
ThePayStubs.com
ThePayStubs.com is a popular choice among freelancers, contractors, and small business owners who need a fast and reliable pay stub generator. The platform offers a clean interface that guides users through each step, from entering earnings to applying deductions.
It supports multiple income types, making it suitable for both self-employed individuals and employers running payroll. Users appreciate the professional layout of the generated stubs and the ability to download them instantly.
ThePayStubs.com is especially useful for entrepreneurs who need compliant documentation without a complex setup.
PayStubCreator.net
PayStubCreator.net focuses on simplicity and flexibility. It allows users to generate pay stubs quickly while customizing key details such as pay frequency, tax information, and deductions.
Freelancers with varying income streams find it helpful to create consistent records across different clients. Small business owners can also use the platform to issue pay stubs to employees without investing in full payroll software.
The straightforward process and clear pay stub template make PayStubCreator.net a practical option for entrepreneurs managing their finances independently.
PayStubs.net
PayStubs.net is designed for users who want reliable documentation with minimal effort. The platform provides guided inputs that reduce the chance of errors and ensure accurate calculations. It supports a range of pay scenarios, including hourly and salaried income.
Entrepreneurs often choose PayStubs.net for its balance of speed and detail, especially when preparing documents for lenders or tax purposes. The generated pay stubs maintain a professional appearance that aligns with standard payroll expectations.
How to Choose the Right Generator for Your Business
When selecting a pay stub generator, entrepreneurs should consider ease of use, customization options, accuracy, and document quality. A good generator should adapt to your income structure and produce stubs that meet real-world requirements.
It is also important to choose a platform with a strong reputation and responsive support.
Final Thoughts
For freelancers and small business owners, pay stubs are more than paperwork. They are essential tools for financial credibility, organization, and growth.
A smart pay stub generator removes complexity, reduces errors, and helps entrepreneurs present their income with confidence.
By choosing a reliable platform and maintaining consistent records, entrepreneurs can focus less on documentation and more on building their business.
The post Entrepreneur’s Guide to Pay Stubs: Why Freelancers and Small Business Owners Need a Smart Generator appeared first on Addicted 2 Success.
I Love My Air Fryer but I’ll Never Put These 10 Foods in One Again
These foods wither and dry out in the air fryer.
The Moment That Brought Me Hope When Life Felt Joyless
“If we could see the miracle of a single flower clearly, our whole life would change.” ~Buddha
There are seasons when life feels stripped of joy, when hope seems far away, unreachable, or unreal. Seasons when you wake up already exhausted, and it feels like there’s nothing soft left in the world—no beauty, no connection, nothing to rest in. I’ve been living in that season lately.
I’m losing my vision to macular degeneration. I’m a caregiver for my ninety-six-year-old mother. I’m navigating disability, financial strain, and the feeling that the future is shrinking instead of widening. Most days, I move through the world numb and tired, trying to remember who I used to be.
I keep trying to find something to hold on to, but joy feels like vapor—something I can see briefly but not touch. Something other people have. Something I can’t seem to reside in.
Every Other Friday
Twice a month, I go to my eye doctor for injections that slow the loss of my vision. The waiting room is always filled with quiet tension—fearful eyes, deep breaths, people trying not to crumble. I sit and breathe, waiting for my name to be called.
And every time, without fail, there is a woman—maybe in her late fifties or early sixties—who enters already furious. Before she even sits down, she’s fighting with the receptionist.
“This is ridiculous. I’ve been waiting forever. None of you know what you’re doing!”
If someone steps too close to the counter, she lashes out:
“Don’t you dare cut in front of me!”
She screams into her phone, cursing the driver who brought her there for free. She talks loudly about how the world has abandoned her. Once, she turned to me and said:
“People like you don’t know what it’s like. You’re privileged. You don’t care.”
Everyone in the room freezes. Heads sink. Bodies tighten. The air turns sharp. It feels like all safety disappears.
Each time I witness her rage, a quiet thought echoes inside me: Is this what we’ve become? A world without empathy, without warmth, without joy?
It reminds me of what so many of us are feeling today—an overwhelming sense of isolation, fear, and disconnection. A society where people carry so much pain that anger becomes the only language they have left.
And I feel it inside myself too.
A Moment That Changed Something
But recently, something happened that shifted the way I saw everything.
A few days before one of my appointments, I was sitting with my mother. I don’t remember what we were talking about—something small, ordinary. But suddenly, we both laughed. Not a polite laugh or a small smile. A real laugh—full, surprising, alive.
I heard the joy in her voice. I saw her face light up. I felt my chest soften and my shoulders loosen. I felt a release of tension I didn’t even realize I was holding. For a few seconds, I felt a deep, fleeting happiness.
And while it was happening, I knew the moment was special. It arrived suddenly and disappeared quickly, but it was real. And it reminded me that I am still capable of joy—that my heart isn’t broken beyond repair, just tired.
Seeing Her Differently
So when I returned to the eye clinic and the angry woman erupted into the room again—shouting, cursing, accusing—something shifted.
I looked at her, and instead of feeling threatened, I saw someone drowning in pain. Someone whose suffering has nowhere to go. Someone who might not have laughed in years. Someone abandoned by a world that keeps moving without her.
Her anger wasn’t power. It was heartbreak in disguise. It was grief with no place to land.
And I realized that she is not the problem—she is the symptom.
A symptom of a society where people feel unseen, where suffering is ignored, where fear becomes louder than compassion, and where joy is treated like a luxury instead of nourishment.
Hope Is Not a Grand Emotion
I used to think hope meant a major turning point—a dramatic transformation, a clear moment of redemption. I thought joy needed to be big to matter.
Now I understand something different:
Hope is small.
Hope is brief.
Hope is quiet.
Hope is a spark, not a fire.
Hope is hearing your mother laugh.
Hope is a breath that loosens tension.
Hope is noticing a moment while it’s happening.
Hope is refusing to let pain define the story.
One Small Moment Can Save Us
The world may feel joyless at times. It may feel harsh and divided. It may feel full of anger like the woman in the waiting room. But every time someone laughs—every time someone softens—every time a moment breaks through the darkness, it proves something essential:
Life is still here. Joy is still possible. The heart still remembers.
We don’t have to wait for everything to be okay to allow something small to matter.
A Practice for When Hope Feels Gone
Close your eyes for a moment. Take a slow breath.
Remember one moment—however tiny—when you felt warmth or connection.
A laugh. A smile. A hand held. Sunlight on your face. Anything.
Hold that memory gently for five breaths. Watch what happens inside you.
That feeling is the seed of healing.
A question: When was the last time you felt even a small spark of joy?
What would happen if you let that moment matter?
My answer: I heard my mother laugh. And today, I’m choosing to let that be enough.
About Tony Collins
Edward “Tony” Collins, EdD, MFA, is a documentary filmmaker, writer, educator, and disability advocate living with progressive vision loss from macular degeneration. His work explores presence, caregiving, resilience, and the quiet power of small moments. He is currently completing books on creative scholarship and collaborative documentary filmmaking and shares personal essays about meaning, hope, and disability on Substack.
Connect: tonycollins.substack.com | iefilm.com
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The 5 Telltale Signs an Article Was Written by ChatGPT
Not sure if that brilliant article was penned by a human or AI? Here are some simple ways to tell.
2026 Homeowner Tax Guide: Every Credit and Deduction You Can Claim to Save Money
The secret to winning the 2026 tax season is realizing that, if you’re smart about it, your home is essentially a giant tax shelter.
Luxury Brands Face a Reality Check in China
China’s luxury market is heading into 2026 in a period of cautious stabilisation following years of aggressive expansion and a sharp post-pandemic slowdown. Growth has shifted away from volume-driven strategies toward tighter pricing discipline, selective consumption and more deliberate brand engagement. Rather than opening stores at speed, brands are focusing on deeper penetration into rising cities, sharper segmentation and longer-term brand equity. Industry observers note that while the market has not returned to pre-pandemic growth rates, it is showing early signs of recovery. Analysts argue that the pace and sustainability of this rebound will depend heavily on consumer confidence and broader macroeconomic stability, rather than stimulus-led acceleration.

Focus on Rising Cities
Luxury brands are increasingly reallocating resources toward China’s so-called “rising” or lower-tier cities, where wealth accumulation continues even as top-tier consumption softens. Luxury brands have expanded store networks in tier-two and select tier-three cities such as Changsha, Wuhan, Chengdu and Xi’an, prioritising fewer but larger-format stores that anchor premium shopping malls rather than blanket expansion. A recent industry survey found that luxury brands opened 244 stores in China, with 169 in non-first-tier cities and 75 in first-tier markets, underscoring a shift toward broader geographic coverage.
Emergent markets such as Wuhan, Chengdu, Xi’an and Hangzhou are increasingly important nodes in China’s luxury network, with luxury stores making up a growing share of total store counts outside Beijing and Shanghai. In May, Miu Miu opened its first flagship store (spanning around 5,200 square feet and three stories) in Wuhan, located within the newly opened SKP Department Store. This is also seen with Coach which opened a flagship in Wuhan and Moncler which opened new stores in Nanjing, Jinan and Hefei demonstrating investment in non-tier-one markets and expansion outside the very top cities.
Rather than accelerating store openings in Beijing and Shanghai, brands are selectively deepening their presence in tier-two cities where consumption remains resilient and competition is less saturated. This could potentially see a trend of luxury jewellery Maisons like Cartier or Van Cleef & Arpels presenting high jewellery events in third-tier cities like Hangzhou or Suzhou as Richemont reported overall growth in luxury jewellery demand in Greater China


Valentino’s Haute Couture 2019 in Beijing
There is Luxury in Scarcity
Rather than pulling back entirely, Chinese consumers are becoming more selective. Spending is increasingly concentrated in categories and brands that deliver a combination of emotional resonance, cultural relevance and tangible value. This shift is forcing luxury houses to reassess product strategy, pricing architecture and engagement models, particularly as discretionary spending comes under pressure. This selectivity helps explain why certain segments are outperforming even as overall growth remains muted.
Rather than driving short-term volume through promotions or rapid rollout, brands are protecting pricing power and creative coherence to preserve brand equity. For example, Hermès continues to restrict supply in China, reinforcing scarcity and long-term brand strength rather than maximising near-term revenue. Valentino and Bottega Veneta have leaned into distinct creative identities — maximalism and craft-led minimalism, respectively — rather than chasing trend cycles tied to quick sales. Global luxury groups have scaled back aggressive discounting and price harmonisation in China, favouring tighter pricing discipline and fewer promotional cycles to safeguard brand perception — reinforcing the idea that scarcity is a defining marker of luxury.

Understanding Market Segmentation
This is reflected in how brands adapt to “market segmentation” by moving away from treating China as a single monolithic market and instead refining segmentation by age, spending behaviour and motivation. Chanel and Dior are investing in differentiated clienteling strategies, with private salons and invitation-only events aimed at high-spending VICs, while maintaining more controlled entry-level access for aspirational buyers.
Then, there are Prada and Loewe who have adjusted product mixes in China to reflect demand for expressive fashion and storytelling-led collections, rather than relying solely on globally standardised assortments (case in point being Lunar New Year releases). This sees luxury houses segment Chinese demand more finely — separating high-net-worth, investment-led consumers from younger or emotionally driven buyers — rather than chasing volume across the board.
@nkkoiiiiiii [Content for Qixi Festival from LOEWE] 2025.08.04
Micro-drama Episode 1
Caption : 第一集:她故意弄丢的喜鹊挂件,被谁捡到了? 拥抱多元的创意表达方式,是 LOEWE 罗意威的传统。2025年七夕佳节,LOEWE 罗意威推出七夕特别系列及原创剧集《鹊定爱》,致意这一以爱为主题的传统节日。 明晚7点,心动继续。 编剧:LOEWE 罗意威中国文化顾问秦雯 @不是秦雯 领衔主演:@陈都灵、@陈哲远- #ILOEWEYOU# (ตอนที่ 1: พวงกุญแจรูปนกกางเขนที่เธอตั้งใจทำหาย ถูกใครเก็บไปกันนะ? การโอบรับวิธีการแสดงออกที่หลากหลาย คือหนึ่งในเอกลักษณ์ของแบรนด์ LOEWE เสมอมา ในเทศกาลฉีซีปี 2025 นี้ LOEWE เปิดตัวคอลเลกชันพิเศษต้อนรับเทศกาลแห่งความรัก พร้อมซีรีส์ต้นฉบับเรื่อง “นกกางเขนที่ผูกชะตารัก” เพื่อส่งต่อความรู้สึกอันลึกซึ้งในเทศกาลอันเปี่ยมด้วยความรักนี้ คืนนี้ เวลา 1 ทุ่มตรง ความรู้สึกหวั่นไหวจะกลับมาอีกครั้ง บทโทรทัศน์: Qin Wen ที่ปรึกษาด้านวัฒนธรรมจีนของ LOEWE นำแสดงโดย: เฉินตูหลิง, เฉินเจ๋อหยวน ) #เฉินเจ๋อหย่วน #远远 #陳哲遠 #陈哲远 #chenzheyuan陳哲遠 #ChenZheyuan ♬ เสียงต้นฉบับ – KoiNK
CZY – KOILoveCZY
China Informs (Not Follows) Trends
Luxury marketing in China has recently seen an explosive growth in short-form drama content. China’s micro-drama audience is expected to reach 696 million users in 2025, with platforms such as Xiaohongshu and Tmall integrating narrative content directly into commerce. Rather than relying solely on celebrity endorsements, luxury brands are experimenting with original micro-dramas as a way to build emotional engagement and shorten the path to purchase. This is seen with Loewe who unveiled an original five-episode micro-drama dubbed “Say Yes to Love” as part of the release of the 2025 Chinese Valentine‘s Day collection inspired by traditional Qixi legend imagery. This marks a shift toward more frequent, story-led touchpoints that align with evolving content consumption habits.
Furthermore, domestic brands that already understand the nuances of the market are gaining ground as Chinese labels like Laopu Gold and Songmont have seen rapid market share increases, challenging European houses and drawing strategic attention from groups like LVMH — whose leaders are increasingly engaging with local designers.

Gold is a Girl’s Best Friend
Gold jewellery has gained renewed strategic importance as Chinese consumers increasingly view it as both a cultural symbol and an investment asset — particularly amid the rising value of gold. Domestic brands rooted in traditional craftsmanship — including Laopu Gold and Baolan — have seen surging demand to cater to it. The momentum has drawn strategic attention from global luxury groups such as LVMH and Kering, underscoring a broader recalibration of luxury value in China toward material worth.
Perhaps indirectly (or directly) related to this is the research that shows that women aged 45 to 59 have emerged as one of China’s most influential luxury consumer groups, controlling an estimated RMB 10 trillion in annual spending. This demographic is known to place priority on long-term relevance over novelty or trend-driven consumption.
China’s luxury market is absorbing economic pressure by prioritising selective spending over volume growth. Growth now depends on alignment with domestic values and selective consumer confidence — a reality check that is forcing luxury brands to rethink how fast they grow and why consumers should choose them at all.
For more on the latest in business and luxury industry reads, click here.
The post Luxury Brands Face a Reality Check in China appeared first on LUXUO.
BYD Vs Tesla: China’s EV Market Takes On Global Leadership
LUXUO examines China’s electric-vehicle market at a critical juncture, where slowing domestic demand, fierce local competition and ambitious global expansion are redefining the industry. From BYD overtaking Tesla to the struggles of legacy automakers, the market is in flux — offering both challenges and opportunities for brands and consumers alike.
A Market at Its Inflection Point

China’s electric-vehicle (EV) story is no longer one of steady growth. The sector is undergoing a strategic pivot as it deals with weakening domestic demand, reduced government incentives and increased margin pressure. China’s EV sector — once a forerunner of unstoppable expansion — is now facing a more disputed reality in 2026.
Earlier policy frameworks positioned EVs at the centre of China’s industrial aspirations. That has changed: Beijing has omitted EVs from the latest five-year plan’s list of priority industries, signalling the end of the period of unfettered backing.
Bloomberg has highlighted growing investor concerns, citing profit issues and disappointing results among EV producers. Meanwhile, exports have emerged as a key growth driver. Overseas shipments of Chinese automobiles — which will be mainly electrified in 2025 — climbed even as domestic sales slowed at the end of the year, forcing makers to hunt for demand elsewhere. Xpeng’s aggressive 2026 ambitions reflect deliberate adaptability rather than naive hope. Xpeng’s intention to sell up to 600,000 vehicles reflects a desire to diversify products and explore new technologies.
However, not all tales are positive. Commentators such as The Atlantic have described the market as “imploding” in places, citing significant discounts and waning customer enthusiasm.
BYD and the Global EV Crown

China’s EV story is not only domestic; it is global. In 2025, BYD eclipsed Tesla as the world’s largest seller of EVs, a milestone that reflects volume growth, affordability and vertical integration. The Shenzhen-based manufacturer has control over crucial components — particularly batteries — which allows it to manage costs and supply chain risk more effectively than Tesla. BYD’s development into Europe, Latin America and Southeast Asia highlights how Chinese EV brands may leverage local scale to achieve international dominance. As Stella Li — BYD’s executive vice president — points out, the emphasis is “on products people can actually afford and use every day.”
VW Slips to Third Place in China
Volkswagen — China’s long-time market leader — fell to third position in 2025, trailed only behind BYD and Geely, with fourth-quarter sales down 17.4 percent. VW and BYD both lost market share due to heavy competition from Chinese competitors, notably in the budget sector. VW intends to launch China-specific EVs and expand exports, but regaining domestic market share remains a major issue for CEO Oliver Blume.
Spaniard’s Love for BYD

Spain’s EV market is expanding, but Chinese automaker BYD — not local brands — is the primary beneficiary. BYD’s market share topped 10 percent in July 2025, outperforming Tesla — thanks to almost 100 dealers and inexpensive EV and plug-in vehicles. Legacy European automakers — such as Seat — are losing position in this change.
In fact, 2024 was a difficult year for German automakers in China, with Porsche sales falling 28 percent and Volkswagen, BMW, and Mercedes-Benz all losing ground to local competitors. Weak domestic demand and lower-cost Chinese competitors have pushed employment layoffs and capacity reductions, indicating that the German auto industry will continue to face pressure.
Tesla’s Stance

Tesla concedes increased competition as BYD overtakes global EV sales, threatening its market dominance in China, Europe and other key markets. In response, Tesla is modifying its price, expanding its car lineup and expediting the development of additional models, all while focusing on software, autonomy and energy integration as differentiators. To regain traction, CEO Elon Musk focuses on AI innovation, manufacturing efficiency and global production scale. In addition, the corporation is extending its foreign reach and considering strategic partnerships to defend its leadership in key sectors against quickly developing Chinese competitors.
The Domestic Demand Challenge

The most immediate pressure point is a drop in domestic consumption. After several years of intensive government incentives (subsidies, tax breaks and buying assistance), these mechanisms are fading. According to a recent South China Morning Post research, sluggish year-end sales and competition pressure have restarted discount wars, with big brands implementing steeper price cuts to clear inventories. Industry analysts also warn that many smaller EV manufacturers are facing a “do-or-die” moment. Removing subsidies and tax breaks threatens weaker businesses, exposing the industry’s natural shakeout.
That contraction is structural, rather than cyclical. Overcapacity, margin erosion and increased competition have shifted the equation for both existing and rising businesses. China’s supply system — previously praised for its breadth and durability — is no exception. Battery commoditisation and fluctuating raw material prices have pushed margins down, even as price battles spread to component suppliers.
China’s Used-Car Scam
China’s “zero-mileage” used-car export program enables manufacturers to register new vehicles as old and sell them overseas, inflating domestic sales figures while maintaining factory output despite falling local demand. The strategy puts pressure on global competitors by flooding international markets with low-cost vehicles, but it also poses reputational issues — potentially undermining Chinese EV brands abroad. While it temporarily boosts domestic revenue and reduces overcapacity, the grey market obscures the true health of China’s EV business, postponing industry consolidation and concealing fundamental issues that may surface in the future years.
What This Means for Owners and Brands
China’s existing and future EV owners face a mixed but resilient picture. Charging infrastructure and technology advancements continue to grow and many localities are loosening non-EV purchasing prohibitions to ensure accessibility. Despite reduced buyer incentives, EV adoption is widespread — aided by low-cost models and increasing familiarity. Broader industry predictions still envision EVs acquiring a higher share of total car sales in the coming years, even if the pace slows.
Charging infrastructure expansion is a top goal as cities plan network densification to enable increased EV use. China’s current and prospective EV users face a mixed but resilient picture. Charging infrastructure and technology developments are continuing to expand and many communities are easing non-EV purchase restrictions to allow accessibility. Despite lower buyer incentives, EV adoption is growing, supported by low-cost models and more awareness. Broader industry estimates still show EVs gaining a larger share of total auto sales in the future, even if the rate slows. Charging infrastructure expansion is a primary priority as cities plan network densification to support growing EV use.
Strategic Lessons and Future Trajectory
China’s EV business presently provides numerous educational lessons for governments and industry leaders worldwide:
Government assistance is important, but it must evolve: Government incentives initially drove EV sales, but removing them revealed that consumer demand is not as strong as expected.
Competitive intensity hastens maturation: Price wars and overcapacity are signs of maturity rather than weakness. Only financially prudent and innovation-driven players will survive.
Export diversification is necessary: Domestic saturation necessitates a worldwide presence. Exports are no longer a supplementary strategy, but rather a key revenue source.
Finally, China’s EV environment is entering a period of consolidation and strategic recalibration. Growth will continue, but at the expense of increased industry discipline and sharper competitive distinction. The future for EV owners remains bright — with more options and improved infrastructure — while EV brands’ sustainability increasingly rests on worldwide competitiveness as much as domestic demand.
For more motoring reads, click here.
The post BYD Vs Tesla: China’s EV Market Takes On Global Leadership appeared first on LUXUO.
Dave Ramsey Would Hate This Trick — but It May Work for You
Popular personal finance guru Dave Ramsey has a well-known aversion to debt. His stance is that all debt is bad debt.
It’s true that high-interest debt can do significant damage to your long-term financial plan. But while Ramsey’s philosophy would encourage working as hard as you can get rid of your debt quickly, that’s not always possible. It may make sense to consolidate the debt in a way that allows you to reduce the interest that you pay overall. One way to do this is with a 0% annual percentage rate (APR) balance transfer. Here’s what you need to know.
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What is a 0% APR balance transfer?
Credit cards have high APRs, often of 20% or more. That means if you have a large balance on a credit card, it’s going to take significant time and money to pay down the debt, including interest. A 0% APR balance transfer allows you to transfer the debt to another credit card — one that doesn’t charge interest. Depending on the card, you can also roll over other types of debt, like a personal loan.
Keep in mind that the 0% APR offer is usually promotional, and will only last for a set amount of time like 12-18 months.
What to consider before using a balance transfer
While a balance transfer can help you pay less in interest, it certainly doesn’t make your debt go away — and that’s why it wouldn’t be a go-to strategy for Ramsey, who has long said that you should always avoid credit cards. But that doesn’t mean that a balance transfer doesn’t make sense for someone looking to eventually become debt-free.
Balance transfers make the most sense for people with high-interest debt, but balances that are small enough for them to pay off during the promotional period. Even the best balance transfer credit cards have regular APRs that go as high as around 30% once the initial promotional period is over.
It’s also important to remember that balance transfers come with fees, usually around 3-5%. The transfers can be worth that cost if you pay off the debt in a timely manner, but letting the debt linger can create additional problems, especially if you continue to spend money.
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Put a plan in place
A balance transfer probably only makes sense if you have a plan to pay off the entire balance before the intro rate expires. Setting up automatic payments can help keep you on track.
And make sure that if you get into debt due to spending more money than you earn, you adjust your spending habits. If you don’t, you risk racking up debt on another credit card.
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Eight New Architectural Projects by Renowned Architects Across China
LUXUO explores buildings that reflect a maturing architectural culture in China, one that balances global design talent with local context, civic engagement and environmental responsibility. From cultural landmarks to soaring skyscrapers, China’s architecture continues to produce work that is visually compelling, technically ambitious and socially relevant. Yet it also prompts a question: why does China frequently commission the world’s leading architects to shape these cities? The answer lies in a deliberate strategy to combine international expertise with local identity, creating projects that impress both local residents and the international design community alike.
Ningbo Centre – SOM’s Supertall Beacon in Zhejiang

Ningbo Centre — a new icon on China’s east coast — stands 409 metres above the city of Ningbo. Skidmore, Owings & Merrill (SOM) designed this supertall tower, which is the city’s highest building and has a remarkable combination of office space and luxury accommodation. While many skyscrapers blend into the skyline, Ningbo Centre stands out with exquisite proportions and a finely designed façade. The skyscraper houses Grade-A workplaces on the lower levels and a Ritz-Carlton hotel on the top, combining commercial ambition with urban living. Its completion is a statement of confidence in China’s urban centres, despite larger economic challenges in the real estate sector.
Greater Bay Area Culture and Sports Centre – Zaha Hadid’s Stadium Complex

Completed in 2025, Zaha Hadid Architects’ Greater Bay Area Culture and Sports Centre occupies a 120,000-square-metre site in Guangzhou’s Nansha District. The multi-venue complex features a 60,000-seat stadium, a 20,000-seat indoor arena and a 5,000-square-metre aquatics centre — all situated beneath ZHA’s signature layered, fluid roof. The sculptural forms guide circulation, link public plazas and integrate landscaped terraces, while materials like glass and steel maximise daylight and structural efficiency. Beyond sports, the centre hosts concerts and community events, turning the architecture into a civic hub that blends functional innovation with commanding design.
Sun Tower, Yantai – Striking Monolith

Sun Tower — designed by OPEN Architecture — was completed in late 2024 on a 6,500-square-metre oceanfront site in Yantai. It has 4,200 square metres of cultural space. The tapered concrete form holds a library, exhibition rooms, a café and an outdoor theatre. The building’s geometry is perfectly aligned with solar events, indicating solstices and equinoxes using natural light. Sun Tower also promotes public experience over spectacle with manicured terraces, sheltered outdoor spaces and discreet acoustic treatments. Sun Tower combines environmental awareness with cultural programming, creating a peaceful and social core in a rapidly growing metropolitan region.
Top San Hsiang Complex – A Sculptural Mixed-Use in Changsha

The Top San Hsiang Complex — designed by PEI Architects and Didi Pei — is located on a 7,500-square-metre riverside property along the Xiang River in Changsha. The mixed-use complex comprises five 120-metre buildings and over 50,000 square metres of internal space for offices, residential units and retail. Its sculptural geometry and stepped terraces link the waterfront and public plazas create visual rhythm and pedestrian flow. The complex strikes at the juxtaposition between density and open space, combining commercial ambition with civic presence and its completion signifies resurgent architectural confidence in China’s second-tier cities.
Chongqing International Trade and Commerce Centre – KPF’s Giant Urban Engine

The Chongqing International Trade and Commerce Centre — designed by Kohn Pedersen Fox (KPF) — will stand 458 metres tall with 88 storeys and anchor the congested Yuzhong Peninsula skyline. It is set to be completed in early 2026. The mixed-use tower — located on a 20,000-square-metre plot near the Yangtze and Jialing rivers — offers approximately 150,000 square metres of space for offices, upscale homes and shops. The building’s slim, curving contour reflects the city’s mountainous topography. A high-performance glass curtain wall enhances views and lighting. Integrated sky gardens and public terraces drive vertical circulation, transforming this structure into a business hub and visual landmark in one of China’s most vibrant megacities.
Suzhou Museum of Contemporary Art – BIG’s Garden of Pavilions

The Suzhou Museum of Contemporary Art, designed by Bjarke Ingels Group (BIG) in conjunction with ARTS Group and Front Inc., is set to open soon (in 2026). Still, photographs show that its architectural presence is now complete. Explore the images of the Suzhou Museum of Contemporary Art. The 60,000-square-metre structure resembles a cluster of pavilions under a continuous roof, reinterpreting Suzhou’s classical garden traditions in a dramatic, contemporary way. The museum — located on Jinji Lake, blurs the lines between inside and outside — with glazed hallways and courtyards that guide visitors through art, water and landscape.
Xiamen International Centre – Gensler’s Skyscraper Masterpiece

Gensler’s Xiamen International Centre stands 343 metres tall and offers 68 storeys on a 12,000-square-metre site in Xiamen’s developing financial sector. The mixed-use tower spans 120,000 square metres and features premium offices, a luxury hotel and retail spaces. Its glass-and-steel façade accentuates verticality and reflects the city’s waterfront surroundings. Landscaped plazas, pedestrian pathways and public terraces are integrated into the podium, creating linkages to the surrounding urban fabric. Designed for efficiency and presence, the tower anchors the skyline and illustrates that ambitious, high-quality design can thrive even in volatile market situations.
Beijing Philharmonic Concert Hall – MAD Architects’ Cultural Jewel

MAD Architects’ China Philharmonic Concert Hall — located near Beijing’s Workers’ Stadium — was completed in 2024. The building has a total floor area of 26,000 square metres across three storeys. The curved façade, made of glass-reinforced concrete and translucent glazing, filters sunlight while framing views of nearby gardens, lotus ponds and water features. The main auditorium is built for excellent acoustics, with terraced seating and sculptural proportions that create an intimate setting amid an expansive environment. The idea combines cultural presence, urban integration and environmental care to provide a peaceful, contemplative alternative to the bustling capital.
Conclusion
These designs demonstrate that, despite economic volatility and altering market conditions, these famous architects continue to push boundaries by combining technical innovation with cultural sensitivity. They are transforming skylines, reimagining public spaces and designing structures that are both functional and visually appealing. From elegantly sized civic centres to soaring skyscrapers, China’s contemporary architecture demonstrates that ambition and inventiveness are still alive, providing residents and visitors with a glimpse of cities intended for the future while maintaining local identity and environmental responsibility.
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