Remarks:

The English name of the remitter of this transaction must be the same as the account holder. After the registration of remittance transaction is completed, the amount will be debited from your designated account when remitted. Please maintain sufficient balance (including handling fee) in the account to ensure that remittance can be successfully executed. Application hours for foreign exchange remittance transactions are from 9:00 to 15:30 on business days of the Bank. If the currency is RMB, application hours are from 9:00 to 14:00 on business days of the Bank. The remittance amount applied for shall not exceed the equivalent of US$500,000, and the equivalent USD conversion shall be calculated based on the selling rate of the transaction date. The effective date of foreign currency overseas remittance of each currency is as follows. The time of account entry of the payee is subject to the actual time of account entry of the payee bank. If it happens to a holiday in the foreign country, the effective date will be postponed to the next business day. Same-day: USD (US dollar), EUR (Euro), HKD (Hong Kong dollar), CNY (RMB) Next-day: JPY (Japanese yen), GBP (Great British pound), CHF (Schweizer franken), CAD (Canadian dollar), SGD (Singapore dollar), AUD (Australian dollar), NZD (New Zealand dollar) Handling fee calculation standard: A remittance handling fee of NT$600 equivalent will be charged for all transactions. The handling fee waiver for a limited number of transactions per month offered to wealth management customers may be applied toward this transaction handling fee. If you are a wealth management VIP customer of the Bank, you may choose to waive fee payment (no more than 5 transactions per month for Private Family Banking customers/3 transactions per month for Wealth Plus Family Banking customers/1 transaction per month for Wealth Family Banking customers, aggregated with the number of accounting special offers received over the counter) According to regulations of the competent authority, foreigners without a resident certificate or official personnel certificate will not be able to make foreign currency remittances via Internet banking. If the remittance application information is incorrect or the balance is insufficient or does not meet the requirements of the competent authority, and the above circumstances are not rectified after you are notified by the Bank or the Bank is unable to reach you, on the second business day from the application date (inclusive), the Bank will cancel your "remittance application" transaction. After the remittance is executed, if you need to modify the Internet banking "remittance application" content or apply for a refund of the Internet banking remitted amount, please bring the specimen seal for your foreign currency debit account to any CTBC branch to make an application during business hours. According to the regulations of the competent authority, remittances to China may only be made by nationals with an ID card, and the remittance limit per person per day is RMB 80,000. The nature of remittance must be a current account, and may not be a capital account. If the intermediary bank code is left blank, the Bank will designate one on your behalf. For remittances denominated in South Africa Rand (ZAR), the fund transfer may be rejected if no intermediary bank code is provided. If the International Bank Account Number (IBAN Code) is provided, the IBAN code shall be adopted as the account number of the beneficiary for this fund transfer.

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https://www.rightmove.co.uk/properties/126153773?utm_campaign=property-details&utm_content=buying&utm_medium=sharing&utm_source=copytoclipboard#/&channel=RES_BUY

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日本漫畫「Manga」這個單字相信大家一定不陌生，不過你知道「Manhwa」這個代表韓國漫畫的英文單字，也在去年正式被放入牛津字典嗎？繼K-pop韓星，韓國影視作品如《魷魚遊戲》等風靡全球後，韓國漫畫也蓄勢待發，準備成為下一個席捲全球的韓流風暴。

事實上，目前全球前10大的網漫公司，其中就有6間來自韓國。不只如此，許多席捲全球的影劇都改編自韓國漫畫，像是《與神同行》、《社內相親》等。另外，爆紅韓劇《非常律師禹英禑》也被反向改編成漫畫。隨著相關影視作品屢創票房及收視新高，韓國網漫儼然成為韓流輸出的新模式，也讓「漫畫大國」這稱號，不再屬於眾人印象中的日本或美國。

不同於傳統漫畫的翻頁閱讀（又稱「頁漫」），韓國網漫（Webtoon）以垂直閱讀長條漫畫的方式（又稱「條漫」），讓觀看體驗貼近智慧型手機的使用習慣，成功吸引大量平時不看漫畫的用戶，因而培養及擴大網路漫畫的閱讀人口。

這不只為網漫的規模化打下基礎，也發展出不同於傳統漫畫產業的拓展路徑與商業模式。韓國兩大網漫入口網站Naver Webtoon和Kakao Page推出的「付費閱讀」，加上平台廣告收入，讓流量得以順利轉為現金流，也帶動整體網漫市場迅速成長。以Naver Webtoon為例，支援英文、中文、泰文和法文等多達十種語言，每月常駐讀者多達8,000萬，其中更有75％來自海外，顯示網漫市場在全球都有商機。

Kakao Page更將網漫視為開發日本市場的一大利器。該網旗下子公司，日本網漫訂閱服務Piccoma，交易額在2021年達約700億日圓（約3,720億港元）。不但較前一年成長85%，也在當年成為全球收入第3高的非遊戲類APP，僅次於抖音和Youtube。此外，韓國電子書閱讀平臺RIDI也將事業版圖拓展至網漫市場，潛在成長空間使RIDI估值成長至13億美元（約102億港元），成為韓國第一個內容平台獨角獸公司。上述跡象清楚顯示，無論是用戶數還是含金量，這塊網漫市場都不容小覷。

網漫在韓國和亞洲各地掀起新一波漫畫風潮，但回過頭看，身為漫畫大國的日本，卻尚未出現具代表性的網漫平台。或許這與日本行之有年的漫畫連載體系有關，現時日本大多數漫畫均在紙本週刊上連載。若要換到網漫平台上，不但意味要改變作畫風格，還必須重新經營觀眾。加上在日本看頁漫的觀眾仍屬多數，對日本漫畫產業而言，改變的成本太高，使得日本在新型態的網漫市場中走得較慢。

韓國網漫的強力輸出滲透全球，讓人再次見識到韓國娛樂文化產業的本事。這件事亦為筆者帶來一個啟發：韓國網漫其實僅是改動了漫畫閱讀習慣的一個環節，便以後起之姿，撬動了傳統上認為難以撼動的漫畫產業。同樣道理應用在各類創新，只要留心觀察生活中待改善的環節，或許就能從中挖掘無限商機。

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主題：Arthur L.的Zoom會議時間：2022年11月6日 08:00 下午香港特別行政區

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THE U.K.’S 100 Most Loved Workplacesby Hank Gilman

Newsweek 11/11/2022 IT HAS NEVER BEEN MORE IMPORTANT FOR COMPANIES TO BOND WITH AND NURTURE EMPLOYEES. HERE ARE THE BUSINESSES IN GREAT BRITAIN DOING JUST THAT

IN THE U.K., AS AROUND THE WORLD, THE threat of recession is looming over companies and employees alike. The worry: High inflation and interruptions to the energy

supply caused by the pandemic and the Ukraine war will cause corporate profits to shrink and spark major layoffs, hurting both the workers who’ve been let go and those who remain behind.

In this challenging environment, it’s especially important for companies to keep employees motivated and productive, giving them reasons to feel connected to and satisfied with the business they work for. Employers who succeed at this critical task—companies like the ones in our first U.K. edition of Newsweek’s 100 Most Loved Workplaces—are the ones most likely to thrive in the times ahead.

As with its U.S. counterpart, which was published in October, this collection of small, medium and large companies was produced with our research partner, the Best Practice Institute of Palm Beach Gardens, Florida. What separates our list from other workplace rankings is that we get to the bottom of how employees feel about their whole working experience, rather than simply extol company benefits.

Our bottom line is this: Do workers feel loved— and in sync—with the company they work for?

That kind of “emotional connection,” as BPI terms it, can mean success for a company. This works for any business, big or small, says BPI founder and CEO Louis Carter, author of In Great Company: How to Spark Peak Performance by Creating an Emotionally Connected Workplace (Mcgraw-hill, 2019). BPI’S research director, Scott Baxt, also points out that employees, research shows, are as much as four times more likely to be more productive if they love their company. Those same workers also tend to stay on the job longer, cutting down on turnover.

As Baxt explains, the businesses on this, and the U.S. list, “highlight how they have given a voice to all employees and, in return,” have likely been “rewarded with increased productivity and performance.”

How did the companies make the list? More than 450,000 employees were surveyed at businesses ranging in size from 50 employees to well north of 5,000; some 410 companies were accepted to apply for certification as a “Most Loved Workplace” and nearly 300 made the cut. The top 100 among them were chosen based on several factors that BPI’S research has revealed are most important to employee sentiment and satisfaction, with best practices culled from the employee surveys, interviews with hundreds of company officials and public company rating sites. The criteria included: Is collaboration and teamwork important? Are there opportunities for advancement? Does the company promote understanding and respect within their culture? Are worker values aligned with their company?

The Top 100

As in the U.S., flexible work arrangements seem to be entrenched at the companies on the U.K. Most Loved list. Also as with the U.S. list, career development was crucially important to employees at our U.K. companies.

Virgin Atlantic, this year’s top company, for example, has a special program called “Springboard,” which was created for women who are struggling with work-life balance—an issue whose critical importance was laid bare during the pandemic—and who want to thrive in the corporate world. It was designed to also help Virgin reach a 50/50 gender mix “within our leader population.” Pharma company Perkinelmer (No. 8) has a “Mycareerjourney” portal that lets employees see new jobs at the firm. They’re also matched with the resources needed to develop skills for those jobs.

BPI’S Carter says that the alignment of employee and company values was crucial as well. “The most mentioned significant words by the companies (in our surveys) were ‘value’ and ‘culture’ with 45 percent of the companies making mention of at least one of those words,” he says. “The companies begin the execution of their culture and value-based systems during the recruitment process.”

For instance, applicants at Sensat (No. 29), a software firm, have to go through a “values” interview. Financial services firm Wills & Trusts Wealth Management Group (No. 42) requires new hires to

participate in a four-day culture workshop.

Will these good feelings last when we survey those companies again next year?

Not at all clear. Some three years after COVID-19 hit, the workplace is an unpredictable place. Britain is dealing with economic and political woes and who knows what the winter will bring with continued high inflation and fuel shortages looming? A worldwide economic downturn might change the rules of engagement with employers.

We’d argue, though, that it is more important than ever that companies are willing to change with the times and actively work to meet the evolving needs of the people who work for them. The best employers recognize that and act accordingly, no matter what economic times they’re in.

We can’t predict the future. But we do know that there are lessons to be derived from our Top 100. If you’re an employee looking to find a firm more aligned with your values, this list can help. If you’re an executive trying to make your firm a better place for your employees to thrive, taking note of the practices of the Top 100 is a good place to start.

That’s true no matter who is running the U.K.

▸ Most Loved Workplaces® is a registered trademark of the Best Practice Institute, Inc., of Palm Beach Gardens, Florida.

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Pick the area you think is good.

Hit Rightmove/Zoopla every single day searching for any property listed in the last 24 hours. It takes 10 minutes each evening. Do endless amounts of research and looking around. You'll soon develop a feel what is a good price/deal. Go and view a lot of places. Ride your bike or walk around the neighborhood.

Try to buy like a fourth or fifth time buyer not a first time one. Two people looking at the same property First time buyer "oooh this is cheap for a two bed flat" Fourth time buyer "hmmm this is top floor on a busy road, how will I unload anything/get trades to fix stuff? All the windows are north facing, the bedrooms are too small for a standard double bed and a wardrobe or furniture, the building looks in poor repair - who is responsible. Let's come back and look at this property or area in the night, in the morning, on a weekend on a Saturday night etc. Are the neighbours owner occupiers or tenants. How long can I realistically live here before I have to move (kids, family, let's etc)".

Ask the agent what they think it is worth, where people are buying, what they look for. Don't discuss the price in the house with anyone. Plenty of places have cameras/ring door bells etc and the buyer will know what you can offer.

Get pre approved for a mortgage and find a good solicitor. When you come to offer you'll be ahead of the competition.

Find out why they seller is selling - probate, divorce, insolvency, do they need to move quickly.

Buy with your head and not your heart. Look at it like a business deal

Also don't be afraid of renting. Most people are negative about it but it can be a key to great wealth if you have the discipline to save your money elsewhere. Far better to rent and have access to your riches, than be rich but all of your wealth is in your house which you can't access

Set alert in 24hours, then contact within the same day of post.

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The Pros And Cons Of Buying A New Build Property

Pros And Cons of Buying A New Build Property If you are looking to move house then you might have thought about buying a newly built home direct from the developers. But, what are the pros and cons of buying a new build property?

Here are what we consider to be the main advantages and disadvantages of buying new builds:

Advantages Of New Build Properties

No Chain

One of the biggest advantages of buying a new build is the fact you won’t be buying into a chain. That means, as soon as your finances are in place, you can look to complete the purchase.

It also removes the risk of being gazumped and can help make the whole house move less stressful. However, be aware that once you have agreed to buy a new build, the developers will often set a deadline for when you need to complete by. This can add pressure if you need to sell your own property to fund the move.

Low Maintenance

New build properties are built to the latest regulations and specifications, meaning that it’s unlikely you’ll need to worry about repairs for a while. They also come with a 10-year NHBC warranty to cover structural defects.

Add to this the fact many home builders offer their own warranties too, and you’ll definitely gain some peace of mind when buying a new build.

Influence The Final Finish

If your chosen new build is still being built, it may be possible to influence the exact finish inside the property. This could be things like your choice of flooring, tile colour, or even minor alterations to layout.

Whatever it is, it gives you the chance to make the property ‘yours’ and reduce the need to change anything once you move in.

Government Incentives

Help To Buy Scheme Depending on your eligibility, it may be possible to benefit from government incentives such as Help To Buy when buying new a build property. Many such incentives are only available on new builds.

Talk to the developer as they’ll know what current incentives might save you the most money.

More Energy Efficient

As new build properties are built to the latest specifications and building standards, they are often more energy efficient than older properties.

In a country where energy costs seem to be ever-increasing, this can lead to significant savings on your energy bills over the coming years.

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Everything Is Brand New

Many people love the fact that no-one else has lived in a new build property before them. That means everything is brand new and should be spotlessly clean.

Disadvantages Of New Build Properties

Harder To Get A Mortgage

Because new builds are often sold at a premium price, lenders are often stricter with the maximum loan to value (LTV) they will lend for a new build property.

This means you may need to have a larger deposit to be able to get a favourable mortgage rate than you would if you were buying a similarly valued older home.

In addition to this, developers will often only give you 28 days to complete a purchase after you have put down your deposit. This can be a tough deadline for some mortgage lenders to meet.

Property May Not Be Built Yet

Depending on which stage of the build process the developers are at, the house you buy may not actually be built yet. That means you’ll be relying on show homes and imagination to understand exactly how your house will look when completed.

This also means there a risk the property won’t be quite what you hoped it would be when you finally get the keys. Plus, if you are in a chain you may need to consider moving into rented accommodation while you wait for your new build home to be finished.

Questionable Build Quality

Although new build properties are built to the latest specifications and regulations, there is a tendency nowadays for firms to use cheaper materials in order to increase their profit margins.

This is why you’ll often find new builds contain a high proportion of stud walls. These offer poorer sound insulation and can be tricky to affix heavier objects to, such as mirrors and bathroom fixings.

Smaller Rooms And Gardens

New Builds Have Smaller Rooms Because developers need to maximise the number of properties they build on a site in order to increase their profit margins, new build properties tend to have smaller rooms and gardens.

So, even a 4 bedroom new build house may not be much different in size than an older 3 bedroom house.

Possibility Of Disruption

If the development upon which your purchased new build property sits is not completed when you move in, be prepared for a period of disruption.

Noise, vibrations, road closures, and excessive mud and dirt are all common on housing developments where work is still ongoing.

Of course, any disruption will only last until the development is completed but it’s worth finding out the timescales the developers are working to so you know what you are letting yourself in for!

Less For Your Money

We mentioned it earlier but it really is true that most developers price new build properties at a premium. You are paying for the fact that everything should be in perfect condition and under warranty. You are paying for the fact no one has lived there before you.

If you want the best value for money, an older property will give you more property for your cash.

Pros And Cons Of Buying A New Build Property – Summary

So, as you can see, there are a number of pros and cons of buying a new build property. If you want something which doesn’t need anything doing to it for a few years, has never been lived in before, and is built to modern standards, a new build property may be right for you.

However, if you want to maximise what your money will buy, enjoy larger rooms and gardens, and avoid the excessive plasterboard walls common in new builds, stick with an older-style property.

Whichever type of property you decide to buy, make sure you check out our guide on how to choose a removal company before the big day arrives.

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UK mortgage lending to be lowest in over a decade in 2023

BRITAIN’S mortgage lending is headed for its biggest plunge in more than a decade next year after a surge in interest rates and cost-ofliving squeeze brings household budgets to a breaking point.

Total loans for house purchases may total just £11bil (Rm60bil) next year, a fraction of the £63bil (Rm344bil) expected for 2022, according to a report from the consultant EY.

That would mark 0.7% growth in lending, the lowest since 2011 and down from a healthy 4% increase expected this year.

The report is the latest warning sign flashing for Britain’s housing market, which kept growing through the pandemic even as the economy tipped into recession.

With another downturn underway, lenders and estate agents have for months predicted that the property market is likely to slow if not plunge in the months ahead.

Borrowing costs are soaring along with expectations that the Bank of England will keep raising interest rates in response to the highest inflation in 40 years.

Investors are betting on the biggest increase in 33 years when policy makers meet again next week, taking the base rate to 3% from near zero at the end of last year.

“While interest rates are still fairly low by historical standards, they are the highest they’ve been in a decade and are set to rise further,” says Anna Anthony, UK financial services managing partner at EY.

“This will put further pressure on alreadystrained finances and will have a knock-on effect on demand for most forms of bank lending.”

The cost of key UK mortgages remains close to a peak last seen in the 2008 financial crisis, which is reducing the number of people who can afford to buy property.

It’s also raising the costs for borrowers who need to refinance loans, which in the UK market typically happens at least every five years.

The average two-year fixed-rate home loan fell slightly to 6.49% on Thursday, the first time it has dropped below 6.5% for ten days.

That’s as the average five-year fixed-rate deal also dipped to 6.35%, although it remains close to a 14-year high, according to Moneyfacts Group Plc.

Analysts at Credit Suisse say that house prices “could easily fall 10% to 15%,” and others including Niraj Shah of Bloomberg Economics predict double-digit declines. Analysts at HSBC have predicted falls of 7.5% nationally and 15% in London.

That will reverse some of the gains made since the start of the pandemic, a period that has seen house prices soar 23%.

The factors that boosted the market then – a strong labour market and shortages of homes for sale – may continue to provide some support, the mortgage lender Halifax said on Oct 7.

The political turmoil that culminated with Prime Minister Liz Truss handing power to Rishi Sunak also is weighing on the market.

In recent weeks, Truss’s plans for unfunded tax cuts spooked investors, pushing up interest rates in financial markets.

While those rates have come down sharply with a U-turn on the budget measures, mortgage rates have yet to return to the levels prevailing in the summer.

For now, the housing market remains healthy, with asking prices for properties coming to market rising in September at the strongest pace in months, according to real estate search website Rightmove.

But its report also showed buyer demand has fallen 15% in the first two weeks of October. — Bloomberg

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Spooking the marketThe Scotsman

There are certain aspects of a property which you have a legal obligation to disclose when selling.

Not mentioning the nuisance neighbours, a dodgy loft conversion or planning permission for an imminent build nearby could land you in court under the Property Misdirections Act.

However, in this week leading up to Halloween, what if the nondisclosure involved a slightly darker subject matter?

A survey conducted in 2016 suggested that a third of UK buyers would be dissuaded from making an offer on a property if they found out that someone had died in the house.

But given the advanced age of the housing stock in this country, I’d say most places must have been the scene of a demise or two.

Aside from learning that a really grisly murder occurred in your chosen dream home – which might indeed be off-putting – I don’t see the problem.

However, there are a couple of houses in my area which could be considered spooky because of the fate of previous owners. Both of these dwellings might make superstitious buyers pause.

One, in the village, has been abandoned for decades. Tucked behind a wall of overgrown trees and shrubs, you can just see the roof of the once-fine Victorian villa set back from the road. Older residents explain that it belonged to a local family, the last of whom died abroad in the 1970s.

Presumably there have been disputes about the will, or just a disinterest from distant heirs, because the house has remained empty ever since.

A couple of years ago it was the subject of a Youtube video, made by an American couple of selfapponted “ghost hunters” who broke in and filmed the interior.

The upsettingly voyeuristic footage showed a collapsed staircase and water damage, but most of the rooms are surprisingly intact – albeit covered in bird droppings and dust.

Hauntingly, there remains music sheets on the piano and a chess set laid out mid-game on a table.

Another cottage, at the head of a loch and only reachable by a lonely six-mile single track road, was owned by friends of my parents.

Parts of it date from the 1600s and over dinner one night, the owners confessed to my mum and dad that, while renovating the property, they had dug up the kitchen floor and found what they thought might have been human bones – very ancient, but chilling all the same.

Fearing that if they informed the authorities their renovation would be halted by archeological investigations, they kept schtum, covered the bones back up in earth and laid their new floor on top.

The house was sold on about 20 years ago, and while most of us in the know about the story remained diplomatically silent, someone eventually informed the new owner.

Her reaction, fortunately, was one of delight. She understands that it is unlikely to be anything more sinister than a former resident who wanted to remain in the home they had loved. To her, a body under the floorboards – tall tale or not – adds to the charm of the house.

But she just might not disclose that unique feature in the brochure when it comes time to sell.

“A third of UK buyers would be dissuaded from making an offer on a property if they found out that someone had died in the house”

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Post-pandemic return to the office leads to increased house prices in UK cities, study findsThe National - News

Employees returning to the office have fuelled the growth of house prices in British cities but left rural areas trailing behind, research from UK bank Halifax published on Monday suggests.

Since the start of the year, city property prices have typically grown by 9.2 per cent, compared with 7.9 per cent in surrounding areas, Halifax said.

Andrew Asaam, mortgages director at Halifax, said the trend of people looking for greener spaces to move to, which developed early in the coronavirus pandemic, had remained.

“That trend didn’t disappear completely this year, as house price growth in these areas remained strong,” he said.

“But as daily life started to get back to normal for many, the opportunity to live in cities became more attractive again, driving up demand. There’s evidence of this in locations across the country, with property price inflation in the majority of cities outstripping increases in their surrounding areas.

“Clearly the economic environment has changed considerably in the last few months, with the likelihood of more significant downward pressure on house prices, as the cost-of-living squeeze and higher borrowing costs limit demand. The extent to which such trends will continue to shape the housing market is therefore uncertain.”

But some places have bucked the trend. In areas surrounding Birmingham, house prices have risen faster in percentage terms than in the city. This is reflected in places such as Walsall, where property price inflation has risen 16.4 per cent so far this year, Halifax said.

And in the North-east of England, Newcastle, Sunderland and Middlesbrough have recorded weaker house price growth this year so far than their surrounding areas.

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Milton Keynes

THE U.K.’S 100 Most Loved Workplacesby Hank Gil­man

Barclay blue award member

The Pros And Cons Of Buying A New Build Property

UK mortgage lending to be lowest in over a decade in 2023

Post-pandemic return to the office leads to increased house prices in UK cities, study findsThe National - News

THE U.K.’S 100 Most Loved Workplacesby Hank Gilman