The Chosen - Malters Development Essays - The Chosen, The Promise

The Chosen - Malter's Development One of the most emotional scenes from Chaim Potok's The Chosen is when Reuven goes with Danny Saunders to talk to his father. Danny has a great mind and wants to use it to study psychology, not become a Hasidic tzaddik. The two go into Reb Saunders' study to explain to him what is going to happen, and before Danny can bring it up, his father does. Reb Saunders explains to the two friends that he already known that Reuven is going to go for his smicha and Danny, who is in line to become the next tzaddik of his people, will not. This relates to the motif of "Individuality" and the theme of "Danny's choice of going with the family dynasty or to what his heart leads him." The most developing character from the novel is Reuven Malter. One of the ways that he developes in the novel is in hus understanding of friendship. His friendship with D\fanny Saunders is encouraged by his father, but he is wary of it at first because Danny is a Hasid, and regards regular Orthodox Jews as apikorsim because of the teachings of his father. Reuven goes from not being able to have a civil conversation with Danny to becoming his best friend with whom he spens all of his free time, studies Talmud and goes to college. Reuven truly grows because he leans, as his father says, what it is to be a friend. Another way that Reuven grows is that he learns to appreciate different people and their ideas. He starts out hating Hasidim because it's the "pious" thing to do, even though his father (who I see as the Atticus Finch of this novel) keeps telling him that it's okay to disagree with ideas, but hating a person because of them is intolerable. Through his friendship with Danny, studies with Reb Saunders, brief crush on Danny's sister (who was never given a name), and time spent in the Hasidic community, he learns that Hasids are people too with their own ideas and beliefs that are as valuable as his. He learns why they think, act, speak, and dress the way that they do and comes to grips with the fact that he doesn't have a monopoly on virtue. A third way in which Reuven grows, though the book doesn't really talk about it a great deal, is in his appreciation of life, or cha'im in Hebrew. He almost loses his vision, his father nearly works himself to death, six million Jews are butchered in Europe, and Danny's brother's poor health threatens Danny's choice to not become a tzaddik. When his eye is out of order he can't read, and indeed does remark that it's very difficult to live without reading, especially with a voracious appetite for learning such as his. His father almost dies twice and he talks about how difficult it is to live all alone in silence (which is a metaphor alluding to Danny's everyday life) for the month while his father is in the hospital. He sees Reb Saunders and his father feeling the suffering of the six million dead, Saunders by crying and being silent, David Malter by working for the creation of a Jewish state and being a leader in the movement, in addition to teaching at a yeshiva and adult education classes. And of course Danny is very worried by his brother's illness (hemophillia?) because if he dies it will be even harded for Danny to turn down his tzaddikship. By the end of the book, Reuven Malter is a very changed character. Potok is an expert with using allusion and metaphor. Very subtly throughout the book he uses this for the purposes of renforcing his points, foreshadowing, and to make the book a better read when you've read it previously and know the outcome. One example of this, one that I missed the first time I read the book in 7th grade is the paragraph at the end of chapter nine where Reuven is sitting on his porch and sees a fly trapped in a spider's web with the arachnid builder approaching. He blows on the fly, first softly,

How to Fill Out a Check, Step by Step

How to Fill Out a Check, Step by Step SAT / ACT Prep Online Guides and Tips Between online bill pay and money-transferring apps like Venmo, many of us don’t fill out checks very often. On the occasion that we do need to write one, like to pay rent, take care of a bill, or send a birthday gift to a relative, we might find ourselves feeling uncertain about whether we’re doing it right. This guide will tell you everything you need to know about how to fill out a check. To start, let’s get up close and personal with this small but mighty piece of paper. Anatomy of a Check: Full Diagram Did you know that a check has your bank account number on it? Or that each check has its own number that shows up not once, but twice? Did you ever notice that official checks have a tiny image of a padlock to show they’re certified by the almighty Check Payment Systems Association? Check out this diagram of a personal check to take a close look at everything on it. This particular check belongs to Archibald Squiggles of Splitsville, Indiana. Sam Lindsay for PrepScholar/All rights reserved. As you can see, your checks will show your name and address, bank account and routing number, and a check number. They also may feature the name of your bank. Using this diagram for reference, let’s look at everything you need to do to fill out a check. How to Fill Out a Check First off, you should fill out your check in pen. You could use a pencil, technically, but then your writing could get smudged or, worse, an unsavory character could come along, erase what you wrote, and change it to something else! Pen is more secure and official, especially when a signature is required. When you’re writing a check, you just need a few pieces of information: Name of the recipient, whether it’s an individual or a company Amount of money you’re writing the check for The date you want the recipient to cash the check You’ll also need to know how to write out the amount of money in words, a task that most of us rarely do outside of the context of writing checks. You’ll find some more tips on how to do this below. Once you have all of this information, you’ll find that writing the check is easy. There are five required pieces of information, plus an optional sixth. You can add these five (or six) pieces of information in any order, as long as you fill them all out in the end. For the purposes of this guide, the steps for how to write a check are presented in the order that they appear on the check from top to bottom and left to right, starting with the date. Many of us write checks every month to a landlord or realty management company. Step 1: Write the Date First, you should write the date on its designated line near the top right corner. Put the date on which the recipient can first cash the check. That might be the current date, or a date in the future. For instance, if you’re writing a check for December, 2016 rent, then you might put the date as December 1, 2016. This means that you want the recipient to cash the check on or after December 1, but not before. You can write the date in long form or in the format MM/DD/YYYY. For instance, using the example above, you could write July 1, 2016 or 07/01/2016 (leaving out the zeros and writing 7/1/2016 is fine, too). If you’re writing a longer month, like November, you can also abbreviate it, e.g. Nov. 1, 2016. In the example below, Loretta Checkworth has started writing a check to pay back Archibald Squiggles. She’s writing the check in late September, but dates it as October 1, 2016. Since she and Archibald Squiggles are close friends, he doesn’t mind waiting a week to cash it until Loretta’s sure she has the funds in her account. You’ll notice that Loretta has redacted her home address and bank account number. She knows better than to share personal information with strangers on the internet. Like Loretta, you can date a check in the future if you want the recipient to wait to cash it. If you have insufficient funds in your account until that date, you should also pass the message along to the recipient to wait to deposit the check until the stated date. You could date your check for way in the future, but who knows if we’ll even still be using checks by then. Maybe we’ll pay for everything in flowers to our robot overlords. Step 2: Name the Recipient After you write the date, fill in the name of the recipient. If you’re writing a check to a person, then write his/her first and last name. Loretta writes out Archibald's full name, as you can see on the check below. If you’re sending money to a company, write the full name of the company (e.g., Acropolis Realty, Inc.). You can also write â€Å"cash† as the recipient. Writing cash means that anyone can cash the check. It’s usually not recommended, for security reasons. Step 3: Fill in the Numerical Amount of Money In the payment box, write out the amount of money. Since the dollar sign should already be outside the box, you don’t need to repeat it. Just write the numbers. Include the cents, even if the amount of cents is zero. For instance, five dollars should be written as 5.00, rather than just 5. It is possible to write a check for less than a dollar. In that case, include the zero before the decimal point. An amount of 75 cents, for instance, would be written as 0.75. Loretta owes $150.99 to Archibald, which she indicates in the payment box below. Since the dollar sign is already outside the box, Loretta doesn't write it again when writing a check. Just the numbers, "150.99" are fine. This piggy bank just learned you can write checks for amounts less than a dollar and is rightfully alarmed. Step 4: Write Out the Amount of Money in Words Now comes the slightly less usual task. In addition to writing the numerical amount of money, you also need to write out the amount in words. You’ll write out the dollars in words and the cents in words or as a fraction out of 100. For instance, an amount of $5.00 could be written as â€Å"Five dollars and zero cents† or â€Å"Five dollars and 00/100.† Writing the cents as a fraction is more common because it saves room on a relatively short line. When there’s no change, you can also follow the amount in dollars with the word â€Å"even.† In this example, your third option would be to write, â€Å"Five dollars even.† If you’re writing a compound number between 20 and 100, you should include a hyphen. For example, $21 becomes â€Å"Twenty-one dollars† and $49 becomes â€Å"Forty-nine dollars.† If you’re writing an amount less than a dollar, then you could write out the cents in one of two ways. You could write â€Å"zero dollars and† followed by the fraction, or write the amount out in words preceded by the word â€Å"only.† For example, 50 cents would become â€Å"zero dollars and 50/100† or â€Å"Only fifty cents.† Using these rules, let’s look at a few more examples of how to write out numerical amounts of money in words. Example 1: $10.00 Ten dollars and 00/100 OR Ten dollars and zero cents OR Ten dollars even Example 2: $39.99 Thirty-nine dollars and 99/100 OR Thirty-nine dollars and ninety-nine cents Example 3: $0.75 Zero dollars and 75/100 OR Only seventy-five cents Example 4: $1,789.74 One thousand seven hundred and eighty-nine dollars and 74/100 As you can see, the fourth example only writes the cents as a fraction. While you technically can write out the change in words, you probably wouldn’t have space on the line with such a large number. You could also add clarifying commas when writing out big numbers, although you don’t have to. If you’re running into trouble writing out the numerical value in words, you can also enlist the help of a website, like Calculator Soup. It converts numerical currency values into words. It’s best to make sure you know how to write everything out before you start filling out the check, so you don’t waste a check. Before filling out your check, you can use another piece of paper for some check writing practice. You also want to make sure to write small enough so you can fit the amount all on one line. Loretta is used to writing checks, so she went ahead and wrote â€Å"One hundred fifty dollars and 99/100s† on her personal check in the correct check writing format without a practice run first. Loretta also added a dash after the amount to indicate that nothing should come after. You can include a line like this to safeguard your check and make sure no one can add any additional numbers. Personal checks, where words and numbers collide. Step 5: Add an Optional Memo See the memo line near the bottom left-hand corner on the diagram of the check? Filling out this line is optional. You can write a word or two as a note to the recipient or to describe what the check is for. For instance, you could write â€Å"July rent,† â€Å"Happy Birthday,† â€Å"IOU,† or â€Å"Laser tag.† If your recipient is getting several checks from you or other people, then it may be useful to fill out this memo line to make sure your check doesn’t get mixed up. Step 6: Sign It! Finally, once you’ve filled out the date, recipient, amount of money in numbers and words, and optional memo, you’ll sign your name! A signature is essential, as the check can’t be cashed or deposited if it’s not signed. Once you’ve completed these six steps, you’re all done! Your check is filled out and ready to go. After filling out all of the other essential information, Loretta signed her full name. Now the check is ready for Archibald. Besides knowing how to write a check, there's one other step you should take before sending off your check. Read on for one extra tip about check writing. Extra Tip: Write Down the Check Number Before sending off your check to your friend, landlord, laser tag partner, health insurance company, or whoever the recipient may be, you should take one additional step: write down the check number. Every check has its own number to help you keep track of it. As you can see on Archibald’s check, the check number can typically be found twice on the check, on the top right and bottom right corners. Recording the check number helps you keep track of which check you’re using in case it gets lost or you need to cancel it. Canceling a check costs between $15 and $36 depending on your bank, but it could be worth it if you’re worried about the check falling into the wrong hands. You may also want to cancel the check if you don’t have enough money in your account, depending on your bank’s overdraft fees. Usually, banks charge an overdraft fee between $20 and $40 if a check bounces. If you have overdraft protection, then your bank will cover the cost of the check, but this coverage will be a loan with interest, plus you may have to pay an additional fee. You'll have to compare your bank's overdraft fee with its cancellation fee to decide if the check is worth canceling. If you’re worried about a check bouncing, try to tell the recipient to wait to deposit until you’re sure you have enough money in your account. Writing down the check number is a smart move just in case you need to cancel your check or order new ones. When you order from a third party, like Costco, you need to know the number of your last check so your next group of checks can start with the following number. Loretta Checkworth, of course, recorded her check number before she paid back Archibald Squiggles for their laser tag weekend getaway. Archibald recently deposited Loretta’s check into his bank account, so there’s no longer a debt between them. While Loretta’s an old pro when it comes to check writing, what should you remember as you fill out your own personal checks? Remember to record the check number in case your check gets lost in transit... How to Write a Check: Key Takeaways Filling out a check is no great mystery. You just need a small amount of information, namely the name of the recipient, the amount of money, and the date on which they can cash or deposit the check. If you’re unsure about writing numerical values out in words, perhaps practice on another piece of paper first, so you don’t end up wasting a check. Before sending out your check, record the check number, just in case you need to cancel it. Knowing how to fill out a check a useful skill that anyone with a checking account should have. Next time you need to send a check for rent, a bill, or a gift, you can feel confident that your money transfer will go through.

Cloud computing Thesis Example | Topics and Well Written Essays - 1000 words

Cloud computing - Thesis Example ACKNOWLEDGEMENT Immense credit for the study conducted on cloud computing basics and infrastructure goes to my Most Respectable teacher ________[Name of instructor]_____________. With utmost gratitude I humbly state my instructor helped me immensely throughout my study on ________________[name of course you have studied]__________ course in _________[Name of University]________. This thesis would have been incomplete without the critical assistance provided by them. The writers of the researches in pursued in order to compile a comprehensive study on Cloud Computing deserve utmost thanks as well as their enlightening works assisted me greatly and paved the way for me so that I could exercise to attempt the boundaries of knowledge with all my heart. Lastly, I express sheer gratitude for my parents, siblings and my extended family for providing their moral and financial assistance in the shaping up of this thesis. Aims and objectives The aims and objectives associated with the research report are to provide a comprehensive review of the current state of cloud computing.an introduction to recent phenomenon of cloud computing, which by some is stated to lead to death of personal computers as we know them today. It is for this purpose that a comprehensive study on cloud computing has been carried out keeping in account the intricacies that were possible at most. This was accompanies with the most important information that was up to date. Outline The report is aimed at writing a comprehensive narration of the core concepts of cloud computing. It is for the purpose mentioned above that the reports progresses as narrated in the outline below: I. Introduction: Thesis Statement: The revolutionizing and emerging concept of Cloud Computing is assessed for conceptuality and strength. II. Background. ­Ã‚ ­Ã‚ ­Ã‚ ­ A. Conventional Pre-Cloud computing infrastructures and architectures would be introduced. B. The way cloud computing differed from conventional networks would be explained. III. Architecture. A. Technology A. Technologically advanced devices that lay down the basis of cloud computing have been explored. B. Master Slave approach operating underneath. B. Cloud Storage C. Cloud Security IV. FUTURE TRENDS A. Hybrid Cloud Computing. COMPANIES INVOLVED. A. Insightful, Facebook, Amazon, Mosso. VI. REGULATORY ISSUES. A. Data Protection Act and its Salient features. VII. GLOBAL IMPLICATIONS A. Rising adoption and spread of cloud computing globally. B. ERP and the CLOUD. C. SaaS. D. Real World Organizations. VIII. ENTERPRISE CLOUD COMPUTING A. Concept, Implication and Strategies. IX. Conclusion A. Concluding the standing of cloud computing in the modern Era. B. Proposing Future expansions in the domain. THE STUDY CLOUD COMPUTING INTRODUCTION: ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­Ã‚ ­===================================================================== The phenomenon of cloud computing and the concept of clo ud is well known among the IT techies now. However, for a novice to get to know the basics of the concept the definition provided by the National Institute of Standards and Technology (NIST) is quoted as follows: NIST defines cloud computing in the following few words: â€Å"model for enabling convenient, on-demand network access to a shared pool of configurable computing resources (e.g., networks, servers, storage, applications, and services) that can be rapidly provisioned and released with minimal

Enterprise resource planning Research Paper Example | Topics and Well Written Essays - 1500 words

Enterprise resource planning - Research Paper Example By definition, Extended ERP components is the entire set of collaborating companies, both up-stream and down-stream, from raw materials to end-use consumption, that work together to bring value to the market- place. The advantages of extended enterprise derive from a firm’s ability to quickly utilize the entire network of suppliers, vendors, buyers, and customers. The flows of information that lie at the core of the coordination and collaboration among network members not only link disparate information sources, they also provide an opportunity to build knowledge based tools. Companies engage in long term partnering relationships built around mutual goals and accompanied by very rich and deep exchange of information. Members view that their element of joint action, value chain partners as still retaining some aspects of self serving behavior. Business intelligence (BI) is an information technology concept, representing current state of the historical development of information technologies. This development started in the mid 1960s with the first versions of management information systems (MIS).Therefore BI is more than the fashion and needs to be defined, categorized and explained and analyzed. Of course, information systems are an important variable determining the design of organizations and demand in some cases organizational restructuring processes. Thus BI has direct impact on the organizational structure without giving any direct recommendations and prescriptions as to what the organization is supposed to end up like. CRM uses information technology to create a cross-functional enterprise system that integrates and automates many of the customer-serving processes such as sales, marketing, and services that interact with a company’s customers. CRM systems also create an IT framework of Web-enabled software and databases that integrates these processes with the rest of a company’s business operations. CRM systems include a family of software

Arabic petrol Research Paper Example | Topics and Well Written Essays - 500 words

Arabic petrol - Research Paper Example The first aspect is the economic development that took place during this particular time. Three major economic development are attributable to the discovery of oil in the Arab Gulf (Cleveland, & Bunton, 2013). Key among these three economic development occurred immediately after the oil discovery and happened between the year 1930s and 1960s. It is vital to point that this region was among the poorest across the globe prior to the discovery of its oil. Thus, for the first time after the discovery, there was building of the basic infrastructure and improvement in the standards of living. It prompted the growth and development of urban centers in most parts of the region. These developments presented a number of business opportunities for most states within the region. Many countries developed the interest to engage the region in business activities. The rapid growth and infrastructural development provided the leaders the means to make a profound economic transformation (Cleveland, & Bunton, 2013). Additionally, it gave them the power to control their country and its citizens. Socially, for the first time the region had a say on issues regarding international ties and economic development. As mentioned the discovery improved the standard living of the residents of this region and strengthened the social fabric. Hence, this was a major social development. Another economic and social development that happened after the oil discovery was due to the changes in the oil price. This occurred between the year of 1973 and 1974. There was a gold-rush atmosphere because of the income, which was tripling. The region directed much of its spending on infrastructural projects, as well as other social developments. The result was an emergence of a new generation of citizens with a good education (Cleveland, & Bunton, 2013). The number of professionals increased, which paved ways for more job opportunities. For instance, the number of teachers who could take up the

Evolution Of Quantity Surveying And Its Effects Construction Essay

Evolution Of Quantity Surveying And Its Effects Construction Essay Quantity implies amount, number, measure, extent, size, magnitude and mass. Surveyor denotes inspector, assessor, examiner, reviewer and evaluator. The name Quantity Surveyor was originally derived from the initial need for the profession; which is to prepare the Bill of Quantities from plans, describing the material, items of work and the quantities required. Builders also use the Bill of Quantities when submitting tenders in order to secure work. Currently, Quantity Surveyors functions involve numerous activities. It is these activities that far remove the profession from that of simple bean brick counting. With the changing environment, the quantity surveyor has evolved to satisfy the marketplace by filling the gaps across diverse industries, as is reflected in industry changes, title changes and education. Suitable titles have now become necessary, namely those of Construction Cost Consultants, Building or Construction Economists, Cost Engineers and Commercial Managers. The cluster sampling survey method was used, which involved pilot interviews and structured questionnaire surveys. Investigations were limited to the views expressed by both students of Quantity Surveying and professionals employed outside the traditional construction industry who were members of the South African Council of Quantity Surveyors, although the views of practitioners with no professional affiliations were also sought. Content analysis, descriptive statistics, multi-attribute techniques and rank correlation tests were used in the analysis of the research data. The Potential Outputs of my research this work in progress could include Changes in courses at tertiary institutions or the introduction of new courses, a name change for Quantity Surveying as a Profession. Keywords: Changing, Effects, Evolution, Quantity Surveying 1 Introduction Historically, the three major employers of Quantity Surveyors were; professional Quantity Surveying firms (PQS), municipalities and government departments, as well as construction and civil engineering companies . companies. Quantity surveyors are increasingly employed across several industries. Industries rang, ranginge from chemical e.g. Fluor, communications e.g. Telkom, electrical e.g. Eskom, Oil oil refineries e.g. Sapref. What does this mean regarding the demand for the profession? This report will also strive to ascertain what they are doing there, how they are valued and so forth. The option of working in an industry of your choosing elevates the status of quantity surveying as a profession. This should be tantamount to greater job opportunities and employment security, further enhancing quantity surveying as a target profession. How does this impact on students career choice? Due to the range of services currently provided, the profession is becoming less reliant on construction, as it places more emphasis on finance, which enables greater involvement in other industries such as insurance, banking, law, and property management. If in fact there are many other industries employing quantity surveyors, this spells good news for the profession. A knock on effect would be an increase in the number of students applying to study Quantity Surveying as a career, as it moves away from the traditional construction approach. Throughput rates will also be affected, as a greater number of students could havecould have access to in-service training earlier. For the long term, course material/notes might change/adapt to suit the various sectors, as each, having subtle differences in approaches would need the necessary Curriculum curriculum and syllabus changes. The Quantity Surveying profession is at an interesting stage, where opportunities and rewards will be high for those who are innovative, keen on research and willing to embrace the hallengeschallenges of the future and emerging technology. 2 Literature Review 2.1 The Establishment of Quantity Surveying There is a shortage of qualified Quantity Surveyors with good employment opportunities in various industries the (AIQS, 2010). Demand for qualified and experienced Quantity Surveyors has been high in recent years. Historically, this demand follows the fortunes of the building, construction and engineering industries. When industry booms, so does the need for Quantity Surveyors. By the middle of the 20th century Quantity surveying had evolved to a recognised profession in the construction industry (Ashworth and Willis, 1995). Quantity Surveying had developed into the traditional role of keeping accounts and controlling of construction costs for both the client and the builder. The prime role of the quantity surveyor pivots around the aspect of cost control of projects (Willis and Trench, 1999). From inception to completion necessitates a detailed knowledge of contractor s prices, experience of the construction process and an ability to foresee the likely effect of economic trends. Quantity surveyors are construction economists who fulfil varied and comprehensive duties to support cost-effective construction and property development projects (Ilias et al., 2010). The core competencies of quantity surveyors include determining project budgets, measuring project quantities, preparing contract documentation such as Bills of Quantities and cost control documents, administering contracts, and preparing final accounts. Despite being recognised as a professional discipline distinct from architecture and civil engineering since 1836, quantity surveyors are not immune to the threats and changes in their operating environment. Some parties in the construction industry have been critical about the quality of works and services provided by quantity surveyors. Some even question the importance of appointing quantity surveyors as project consultants. Because of these challenges, the profession needs to regroup and take stock of the whole situation so that they will not become extinct in the future, this includes all parties who have vested interest in the development of the profession, be it the students, educators and professionals. Every profession evolves in response to the ever-increasing changes in the global business environment (Marcel and Jasper, 2009). In order to remain relevant, globally competitive and successful, New Zealand Quantity Surveyors need to constantly scan their business landscape to discern new directions and to adapt to imminent changes in their professional practice. This study aims to investigate the current areas of, and future directions in, quantity surveying practice in the New Zealand construction industry; imminent opportunities and threats; and ways to proactively maximise the opportunities and minimise the threats. The results of a survey, based on a structured questionnaire reflecting 23 defined competencies, which were derived from the literature and from in-depth interviews with selected practitioners, indicated that technically orientated competencies were rated of highest importance for current services, while management orientated competencies were rated of higher importance for future services (Nkado and Meyer, 2001). Quantity surveying firms that offer services overseas have more staff than non-exporters .exporters. They also handle larger projects and offer a wider range of services (Florence Yean and Chan, 2008). Recent practice, however, has gone back to the original intent of value engineering, i.e., to improve the value of the end product or service (McDuff, 2001). This typically means that the client is going to receive more for their money because of the practice of value engineering. 2.2 Current and Future Trends of Quantity Surveying Quantity surveyors are also employed by large engineering companies as well as and housing agencies (AGCAS, 1994). Specialist home builders seek the expertise of quantity surveyors, as do some trading agencies, including any public committees who control extensive property investments. Multinational mechanical contractors and energy conglomerates regularly employ quantity surveyors under the unconventional title of Cost Engineer. The University of Salford is offering post graduate Electrical Quantity Surveying courses, Mechanical Quantity Surveying courses and Electrical Mechanical Quantity Surveying courses (Salford, 2011). These courses are accredited by the Royal Institute of Chartered Surveyors. The MSc Quantity Surveying in Mechanical Electrical programme is aimed at the mechanical and electrical sectors. Due to the increased importance on low carbon emissions and sustainability in the modern built environment, new roles are emerging for the Mechanical Electrical Quantity Surveyor in the areas of renewable energy, sustainability, low carbon technologies and energy management involved in the provision of careers and employability. With buildings accounting for around 50% of all carbon emissions, the quantity surveyor plays a significant role in combating climate change. The need for Quantity Surveyors is relatively consistent (AIQS, 2010). The range of services provided by the profession has become less dependent on the level of construction but more on finance and property management. Quantity surveyors are known by various names, as they are also called Construction Cost Consultants, Building / Construction Economists, Cost Engineers and Estimators. The Quantity Surveying profession is at an interesting stage, where opportunities and rewards will be high for those who are innovative, keen on research and willing to embrace the challenges of the future and emerging technology. A description of the quantity surveying profession states that, Quantity Surveyors get a lot more involved in all aspects of construction as well as other industries such as insurance, banking, law etc. (University, 2010). An article in a career recruitment company further speaks of a Chartered Quantity Surveyor working as a Commercial Manager (Kempthorne, 2010). As a job description for a Quantity Surveying role, it was stipulated that market need creates evolved Quantity Surveyors (Construction, 2011). Quantity Surveyors meet the ever evolving needs of their clients, offering a vast range of services as depicted in the following website article (Brown, 2010). Today several Quantity Surveyors have explored opportunities out of the boundaries of construction industry, examples being the financial industry, insurance industry, manufacturing industry and real estate sector. (NISA et al., 2006). As emphasised, being one of the key professional experts in the construction sector, Quantity Surveyors have the utmost responsibility to address the key cost, financial and contractual issues of the construction process, which is always highly influenced by the environmental parameters, which are very sensitive to changes and are unique for every project (Senaratne and Sabesan, 2008). The new approaches in construction culture, procurement strategies, changing markets, delivering added value and supply chain management, partnering, private finance initiatives have directed the construction industry towards a new route of evolvement (Cartlidge, 2002). The importance of this is further emphasised due to the declining role of manufacturing and increasing growth in the service sector of the economy .economy. In order to subsist and grow in the future, quantity surveying profession has the utmost necessity to respond to the accelerating social, technological, economical and environmental changes quickly as well as productively (Surveyors, 1992). Since the needs and expectations of the clients are ever changing facts, in order to compete and to excel in the profession, quantity surveyors have to acquire and operate wide range of diverse skills outside the normal traditional Quantity Surveying role (Pathirage and Amaratunga, 2006). The changing nature of the construction and development industry such as the adoption of innovative technological processes and development, the emergence of highly focused professionals and the full range of advanced technologies will necessitate a much stronger emphasis on job competencies than ever before (Lenard, 2000). The findings are important given the increasing globalization of construction services, especially given the international ties between designers, quantity surveyors and other built environment professionals (Bowen et al., 2010) .

RCBC Savings Bank Essay

I. Synopsis RCBC Savings Bank is a wholly owned subsidiary of one of the country’s top universal banks, Rizal Commercial Banking Corporation (RCBC). RCBC Savings Bank was incorporated on the 15th day of January, 1996 to provide retail banking services to its target clientele and serve as the consumer and retail banking arm of RCBC. RCBC Savings Bank formally started its thrift banking operations on the 27th day of February, 1996. It grew extensively in just over a year, from a lean one-branch organization with a seven-man skeletal force to an institution with a network of six branches supported by 106 full-time personnel in 1997.In September 1998, RCBC Savings Bank acquired selected assets and assumed deposit liabilities of Capitol Development Bank. As a result of the strategic alliance, the Bank further widened the reach of its branch network and became the 2nd largest thrift bank in the country with 117 branches. One of its branches is the RCBC Savings Bank La Paz in Iloilo City. It serves many Ilonggos in banking and financing services. Despite of its fast growing business, the Management paid no attention to some internal control aspects of its branches. Like the La Paz Branch many complaints from customers regarding the efficiency and slow-moving service of the bank. The long queuing of the customers every time they do transactions to tellers is really a problem; it decreases the goodwill of the company and much more the customer satisfaction. As we all know, the competition in banking industry is high and many banks are already here in Iloilo. How would the Management address this problem? What course of actions or solutions should the Management put in place to achieve higher customer satisfaction? Is the company really into realizing its vision to be the most-sought-after by the consumer market when it comes to financial products and services?