RIBA Essay Example | Topics and Well Written Essays - 5250 words

RIBA - Essay Example The RIBA plan of work is prepared by the Royal Institute of British Architects in conjunction with other stakeholders to provide a regulatory framework for practitioners in the building and construction industry (Cross, 2013). The RIBA plan of work is widely used in the UK as the official guideline and directive indicating the best practices in the industry (Farrelly, 2014). The plan of work has been extremely efficient such that it has been benchmarked by numerous countries worldwide, modeling their building and construction industry regulatory framework on RIBA’s. RIBA has continued to update its plan of work since 1963 as times and circumstances change (Hopkirk, 2014). The latest plan of work was prepared in 2013 and represented a paradigm shift from the previous one prepared in 2007. The stages of work have essentially remained the same only that they have been categorised and labeled differently (Architecture.com, 2014). Instead of the eleven stages that were explicated b y the tasks to be conducted, the new plan of work has eight stages and eight task bars under each stage indicating the tasks to be conducted.

Personal Bankruptcy Essay Example | Topics and Well Written Essays - 500 words

Personal Bankruptcy - Essay Example Section 316 of the Act requires the creditors to mention any additional income such as those from family is expected in the following year. A petitioner whose bankruptcy case had been previously adjudicated will have to wait for 8 years before filing another claim. The new act also allows conversions of liquidation into wage earner plans and liquidation cases in which the debtor’s income falls under a certain level will only be considered. Petitioner can use the exemptions allowed by the state only if they have resided in the state for at least 730 days. With regard to their houses, the creditors are allowed to exempt the first $125,000 of the value only if the home was purchased within a period of 1215 days. In case a tenant, who is using the home for illegal purposes, files a bankruptcy against the owner, section 311 of the Act would still allow the owner to evict the tenant. Credit card charges made for purchase of luxury goods for a minimum of $500 should be paid within 90 days of the credit and the limits for cash advances are $750 and student loans are dischargeable according to section 310 of the Act. However, the Act still protects the $1,000,000 of a debtor’s retirement benefits. The education savings account is also exempted if the funds have been placed into the account one or two years prior to filing for bankruptcy. In case of auto loans, if a debtor files for bankruptcy, he would be expected to pay only a secured portion of the auto loan in order to retain the vehicle with him. In case of liquidation fillings the petitioner will have to pay the alimony and child support required from him before payment of any other non-secured debt according to section 212. Section 314 of the new act has also ruled that many unnecessary types of debts which fall under chapter 13 will no longer be applicable. The credit system was the center of the federal bankruptcy reform passed in 2005 and these