Why I Want to Be a Teacher Free Essays

Why I Like To Be a Teacher Teaching is an extraordinary calling. It takes a great deal of duty, devotion, persistence or more all, adoration for the demonstration of helping other people learn. Being an educator is one of the noblest and most satisfying callings , regardless of how troublesome the street is. We will compose a custom article test on Why I Want to Be a Teacher or on the other hand any comparative subject just for you Request Now Without a doubt, it is difficult to manage understudies, their practices, individual issues, troublesome ages and even with their folks that occasionally don't bolster the instructors, and to wrap things up, the instructive framework itself. Regardless of how convoluted your life can turn when you are an instructor, from an individual outlook, I can say training pays off. I love to educate and I used to be a math instructor for a long time. This subject is barely ever the students’ top choice. Math is extremely intense, needs some intelligent thinking, students’ center in class and some examination hours after class. Do all the understudies love this? I wager. Then again, when an instructor encourages a not truly affable subject like math, you are not truly agreeable either. I for one think instructing Math is consistently a test however I have confronted it with tremendous delight. Being an educator is satisfying. It takes care of your soul and fills your spirit. It’s incredible to have the acknowledgment of your understudies and a warm embrace when you pursue into them numerous years. You won't likely recollect their names and imagine you do, yet they will without a doubt recall yours. At the point when you hear they are engineers, specialists, medical attendants, mechanics; whatever calling or occupation they notice, you feel glad to realize that you have added to assemble their fates. Your eyes sparkle with feeling. It is totally inspiring to be an educator. Numerous instructors have had proficient emergencies in which they get depleted, exhausted, on edge or think educating is an exercise in futility and musings of forsaking their study halls attack them now and again. I have not met a solitary instructor who has not experienced these enthusiastic sentiments. Some reevaluate and beat this, others leave for good and think twice about it inevitably. Indeed, even the individuals who leave the encouraging calling treasure extremely charming recollections of beneficiary occasions at school with their understudies and discussion about it with adoration and energy. Certainty is that educating is extreme, it is a rose brimming with thistles, yet it is, beyond question, an awesome calling. Instructing is a calling that causes you generally to feel youthful on the most fundamental level, regardless of how old you are. The students’ vitality, excitement, their young soul is as infectious as the most exceedingly awful of the infections. At the point when you are an instructor you become a companion, a guide, a parent, an unprecedented person. I realize it is meticulous to be an instructor, it gives you no extra an ideal opportunity to stare at the TV when you need to stamp students’ papers. You return home with a heap of books to peruse for next class. Instructing is at times viewed as a method of living and not a calling. It is ignored and belittled. Notwithstanding this, I consider being an instructor is an entirely noteworthy calling. I can say instructing is beneficial. Book index simply close to home understanding The most effective method to refer to Why I Want to Be a Teacher, Papers Why I Want to be a Teacher Free Essays I accept that everybody, somehow, has advanced to where they are in life since they had an instructor. An instructor by definition is somebody who gives instructive guidance and imparts deep rooted exercises. Be that as it may, I see educators past that normal definition. We will compose a custom exposition test on Why I Want to be a Teacher or then again any comparable subject just for you Request Now Instructors have the chance to reveal insight into points not regularly found in course readings, to instruct abilities that understudies can use, in actuality, and to rouse understudies to beat their misfortunes. However, why become an instructor when you can turn into a specialist? Or on the other hand a legal counselor? I asked myself these equivalent inquiries preceding joining the training program at the University of Guam. I discovered incredible characteristic benefit of instructing by having the option to motivate understudies to help other people and to give equivalent chances to those youngsters who are considered â€Å"at risk†. I likewise discovered extraordinary extraneous incentive in instructing in light of the fact that it gives an incredible work routine and I am ready to venture to the far corners of the planet since training is established in each nation. I would not like to turn into an instructor my first semester of school at The University of Guam. I had my psyche set on turning into a specialist since I felt that the fundamental reasons why individuals slaughter others or why children end up in adolescent jail is because of the way that they have a hidden stressor that makes them misbehave. I needed to help free the universe of irate and discouraged individuals and assist them with starting their recuperating procedure so they can become contributing individuals to the general public. In any case, after two semesters I understood that every one of these issues could be settled if individuals were accomplished and proficient of the open doors around them. I saw that schools were the ideal establishment to impact youngsters on turning out to be sure and dynamic citizenry. I need to have the option to motivate understudies to participate in solidarity with the goal that they can help people around them. I need to show my understudies that they are more indistinguishable than various and to have the option to perceive the issues that originate from our society’s culture. There are additionally those understudies who are tormented by racial or monetary difficulties paying little mind to how enthusiastically they attempt to succeed. I need to have the option to connect with those understudies and assist them with continueing their instruction. I have seen such a significant number of cohorts of mine who were neglected in light of the fact that they were not the sharpest in the class and those understudies wound up dropping out or getting into drugs. I need to have the option to put more accentuation on the understudies who areâ falling behind so understudies feel increasingly great with being at school and keep understudies from dropping out. Being an instructor necessitates that you surrender a ton of your time and tolerance with the expectation that your understudies prevail throughout everyday life. Seeing your understudies become specialists, legal advisors, or possibly the leader of the United States can be extremely compensating despite the fact that educators once in a while gain acknowledgment for their students’ achievements. Nonetheless, instructors are compensated inherently as well as outwardly. One outward explanation behind why I need to turn into an instructor is on the grounds that I get an incredible work routine. Instructors get the ends of the week off, also the mid year and winter breaks too. Being an understudy I was familiar with having a mid year break to recover and to plan for the following semester and turning into an instructor I had the option to keep a similar way of life and still ready to return to my activity when the school year began. Turning into an instructor was speaking to me since I wanted to join the Peace Corps after graduating school and there are open doors for educators to go far and wide and instruct in various nations, particularly the underdeveloped nations. I wanted to travel and help other people and turning into an instructor gave me the methods important to do both. Taking everything into account, I realize turning into an instructor will be troublesome however the prizes are more copious than the expenses. I would like to move understudies to connect with others and to have the option to perceive the issues that come from our society’s culture. I would likewise love to see those understudies who are â€Å"at risk† prevailing to their fullest potential. I would adore give back those benefits to the individuals who are not as blessed and travel the world spreading the affection for learning in all pieces of the world. Step by step instructions to refer to Why I Want to be a Teacher, Papers

Political Speeches and Press Releases Assignment

Political Speeches and Press Releases - Assignment Example The President didn't discussion of the need or objective of making a world without limits; truth be told, he fervently perceived and acknowledged the contrasts between the individuals, their societies, and their religions (Obama). Rather, he worried on the need to see one people as outsider or adversaries if the other; generally, he reproved the idea of â€Å"othering† as respects the political and social condition (Obama). He focused on that it was basic for the worldwide advancement of the world for nations to exist in harmony and to comprehend that assorted variety can be utilized to bring together the networks as opposed to breaking them separated (Obama). He kept up that it was significant for the Oriental nations to choose their administration themselves and to claim their opportunity through the procedure of vote based system (Obama), since it was in the personal stake of the American government to acquire amicability the Eastern culture with the goal that new market co uld open up for the American exchange, and business could prosper, which would bring about the advancement and improvement of the nations

Best Essay Website - Tips to Find One That Can Help You

Best Essay Website - Tips to Find One That Can Help YouIt is not just those from the top universities and institutions who are struggling to find the best essay website for writing an essay on a subject that they have not covered before. There are many people who are just as much interested in getting good grades as anyone else.Choosing the best online essay service can be a daunting task to say the least. Many of the free websites that offer the essay writing service will only send out text as opposed to a paper. The type of paper you end up receiving is not going to be of the highest quality.Fortunately, if you are really determined to find the best online writing service that offers this type of service then you will have to do some research to help you select the best. This article will be discussing some of the factors to consider when choosing the best online writing service to hire for your particular needs.One of the first things you should look for in an online writing servi ce is its ability to supply you with the necessary information. You may want to get yourself some writing materials and get started writing essays online. Make sure you get your sample essays together before starting the actual process of writing them. This will make it easier for you to write in an organized manner.A second factor that should be considered when finding the best essay website is the topic and subject matter that you are writing about. As a matter of fact, many of the websites that offer these services will have you pick a topic and then have you fill out a questionnaire that can help the writer to formulate the paper. You will find that this is the most important factor to consider when finding the best essay website for writing a paper.The next most important factor to look for in an online writing service is the length of the paper. You will need to get your work completed so that you can turn it infor your final grade. Although you may be able to get a free onlin e essay written for you, there is no guarantee that the time that you were given will actually be used for your final grade. You will find that you will need to pay for the time to write a paper.In order to get the best out of your online essay service, you will want to make sure that the website has a good reputation. Not only should you be able to get a good grammar check done before the paper is accepted but you should also be able to see the editing processes that are used to produce the final product. The last thing you want to find out is that the quality of the final result was caused by poor writing skills or poor grammar. Therefore, make sure that you find a website that is known for producing great quality work.All in all, when you want to find the best essay website to hire for writing a paper, you should focus on those that offer excellent results and little to no cost associated with getting the work done. With the right practice, you will be able to learn how to write great essays that are properly formatted and grammatically correct.

Facts About the Province of Prince Edward Island

The smallest province in Canada, Prince Edward Island is famous for red sand beaches, red soil, potatoes, and the irrepressible Anne of Green Gables. It also is known as the Birthplace of Confederation. The Confederation Bridge which joins Prince Edward Island to New Brunswick takes just ten minutes to cross, with no wait times. Location of Prince Edward Island Prince Edward Island is in the Gulf of St. Lawrence on the east coast of Canada Prince Edward Island is separated from New Brunswick and Nova Scotia by the Northumberland Strait See maps of Prince Edward Island Area of Prince Edward Island 5,686 sq. km (2,195 sq. miles) (Statistics Canada, 2011 Census) Population of Prince Edward Island 140,204 (Statistics Canada, 2011 Census) Capital City of Prince Edward Island Charlottetown, Prince Edward Island Date Prince Edward Island Entered Confederation July 1, 1873 Government of Prince Edward Island Liberal Last Prince Edward Island Provincial Election May 4, 2015 Premier of Prince Edward Island Premier Wade MacLauchlan Main Prince Edward Island Industries Agriculture, tourism, fishing and manufacturing See Also:Canadian Provinces and Territories - Key Facts

Ethical and Moral Leadership Environments Essay - 2014 Words

Introduction Defining moral leadership is quite simple and varied dependent upon the situation or context requiring leadership. Carrying out moral and ethical leadership is much more complex when carried out in the day to day operations in life. This is particularly poignant when righting a wrong, or redeeming a situation to help in a process of improvement. Dineen, Lewicki and Tomlinson (2006 p. 430 in Yukl) state a case that it is up to the leadership to lead by example regarding both ethical and moral behaviour. It is also imperative for the leader to set clear goals, standards and objectives and ensure the maintenance throughout the performance of their work (Yukl p. 430 – 431). One of the issues not addressed due to lack of†¦show more content†¦165). This appears to cover all the ideas of a leadership position because it speaks to both the ethical and moral environment of a situation or corporation etc. That is, if one holds forth with the values determined by the research and experienced over time. Environmental Influences from morals and ethics Ciulla’s (p. 493 in Wren) expose on moral environments as â€Å"a system of customs and habits found in daily life that take on a logic of their own, influencing peoples traditions , beliefs, leadership, policies and practices of an organization.† An example he used of unhealthy moral environments, was the case of Rosa Parks. When people see and understand what it takes to change the status quo through courage, the world view shifts. Other people such as Ghandi, Craig Keilburger and Mother Teresa are examples of extraordinary sacrifices they undertook to make the world a better place by taking action and setting the example. The experience of being institutionalized taught me at a very early age to have compassion and empathy of those looked down or those deemed â€Å"lesser than† in society. Anomalies of Cultural Leadership In a culture that has been undermined by colonization I have observed the struggles of Indigenous peoples striving to negotiate with honour in the dominant society whose agencies are in contradiction with the Indigenous â€Å"ways of knowing† (my thesis). Yukl (p. 430) discusses theShow MoreRelatedEthical Leadership in the Universal Business World659 Words   |  3 Pagesreputation or an ethical person with a reputation for injustice. Ethical leadership has long been a debate in regards to its importance and place in the universal business world. Hard wired leaders are usually very set in their ways whether those ways are ethical or not. Leaders are hard wired in terms of their morals, and ethical value and cannot change otherwise. For example a leader who is hard wired as being ethical would be an all-rounder in terms of being a moral person as well as a moral managerRead MoreEthical Leadership : An Effective Leader800 Words   |  4 Pagesleader is an ethical leader. Hartman et al. (2014) indicates that one key difference between an ethical is the means used to motivate others and achieve goals. Another element of ethical leadership, as indicated by Hartman et al. (2004) the end or objective toward which the leader leads. I believe these are key because the leader’s means to achieve the ends (objective) are far too often cause of their ultimate fall from glory. Akker, Heres, Lasthuizen (2009) state that ethical leadership is a relationalRead MoreA Handbook to Simplify Ethical and Moral Leadership Essay examples 1176 Words   |  5 Pagesand enhance the successful outcomes of a business. Leadership behavior is not only based on knowledge and expertise, it is an expectation that leaders understand the vision and core values that guide moral and ethical leadership at all times. Although morals and ethics are synonymous for the most part, the terms are distinguishable. Simply put, ethics is determinant of acceptable guidelines for behavior of a group or organization while morals exude individual beliefs of right and wrong derivedRead MoreRelationship Between School Results And School Leadership945 Words   |  4 Pagesbetween school results and school leadership opened the discussion of new principles of leadership. Thomas Sergiovanni and Robert Starratt (who worked as a graduate assistant for Sergiovanni) were two leading advocates of usage of ethics and/or moral principles in the school administration. Sergiovanni (1986) and Starratt (1991) disseminated their adoption of moral and ethi cal perspectives to educational school leadership theory in their respective works, Moral Leadership: Getting to the Heart of SchoolRead MoreThat Organizations Should Strengthen Their Ethical Leadership1555 Words   |  7 Pagesstrengthen their ethical leadership behaviors by selecting leaders who will be able to gain the trust of employees to gain a fair perception about the company (Xu, 2014, p. 495). They should do this by continuously practicing their ethical codes and procedures and hire leaders with high moral standards (Xu, 2014, p. 500). Ethical Leadership Demirtas and Akdogan (2014) stated that â€Å"When behaviors in an organization are perceived to be ethical, these perceptions influence ethical decision making andRead MoreThe Ethics Of An Ethical Leader822 Words   |  4 PagesThe study of ethics is fundamental to leadership effectiveness. Human relationships, our being, and roles in society influence morality by right and wrong, good and evil, or just and unjust actions. As a human relationship, leadership hallmarks power, influence, vision, obligation, and responsibility (Ciulla, 2003). These attributes can undermine or contribute to the success of the ethical and effective leader in education. Power is defined as the capability or ability to direct or influenceRead MoreAn Analysis Of Servant Leadership Style1198 Words   |  5 PagesAn Analysis of Servant Leadership Business leaders operate in complex environments. Driving organizational effectiveness in the short term while leading the company towards the long-term strategy requires continual evaluation of short-term decisions against potential tradeoffs against the long-term strategy. While the top organizational decision makers typically decide long-term strategy; implementation of the strategy occurs throughout the entire organization (Rush, 2012). Given this, ensuringRead MoreEssay on Ethics and its Relation to Leadership839 Words   |  4 Pagesdetermine what is right and what is wrong, and doing what is right or wrong is what we mean by ethics. To behave ethically is to behave in a manner consistent with what is right or moral†. What does generally considered to be right mean? That is a hard question, and part of it is deciding whether or not behavior is ethical, and determining what is right or wrong. (Values and Ethics, National Defense University). â€Å"Ethics are the principals by which people distinguish what is morally right†. (CertoRead MoreThe Moral Values Of Leadership Essay894 Words   |  4 Pages Business executives accept the moral impact of their leadership behaviors, rarely, to begin with, at any time be neutral. Nevertheless, executives in leadership capacities, are able to shift the culture of the organizations’ ethical behaviors both positively, as well as in negative directions. Powerful and positive leaders, are compelled to self-regulate their ethical behaviors emulating the example, motivating others in the organization establishing the same behaviors, culturally normal, consideredRead MoreA Framework For Building A Foundation Of Ethical Leadership978 Words   |  4 Pages In this book, author Robert Starratt provides a framework for building a foundation of ethical leadership based on responsibility, authenticity, and presence. Readers should understand that this book is not how to transform schools, but how to think about affecting change in our teachers, staff, and students. Author’s Background and Credentials Dr. Robert Starratt is a professor of education at Boston College. Before his current position, he had an extensive career as a teacher and principal

The Influence Of Corbusier And India On Corbusier

CORBUSIER AND MODERNISM IN INDIA Exploring the Influence of Corbusier in India and India on Corbusier Post World War II, Indian architecture was already on its way towards modernism and was being shaped by western ideologies. After independence in 1947, the Indian government voted on the reconstruction of Chandigarh which was to be designed as a new idyllic city. Albert Mayer and Mathew Nowicki were first commissioned to design the city but after Nowicki suddenly died, in 1951 Le Corbusier (on the right) was invited by Jawaharlal Nehru (on the left) to plan the city as â€Å"a new town, symbolic of the freedom of India, unfettered by the traditions of the past†. This paved the way for Corbusier’s architecture in India. Although Corbusier was not the first choice to design Chandigarh, his modernist ideologies appealed to Nehru. Nehru wanted Chandigarh to be a clean slate severing economic backwardness and colonial suppression. Corbusier had proposed ideas for many cities, like Paris, Sao Paulo, Rio de Janiero, and Algiers. However, except for Chandigarh none had been realized. â€Å"The city of today is a dying thing because it is not geometrical. To build in the open would be to replace our present haphazard arrangements,† Corbusier wrote in his book The City of To-morrow and Its Planning. The idea of actually planning a city is unique for India. The picture above is a sketch by Corbusier showing the plan for Chandigarh on the left against the one of Delhi on the right.Show MoreRelatedLe Corbusier : The Modern Architecture1604 Words   |  7 PagesThe report includes the introduction of Le Corbusier(October 6, 1887 – August 27, 1965), He is a French architect, designers, artists, writers, and one of the pioneers of now known as the modern architecture. He was born in Switzerland, and become a citizen of France in 1930. Career for five years, his buildings constructed in Europe, India and the United States.when he was young he love art so much,became older he went to paris learn architecture, but he had some disease,he had to choose anotherRead MoreThe World Of Architecture And Design1523 Words   |  7 Pagesof Architectural Manifestos, n.d) Le Corbusier believed architecture, sculpture and painting are dependent on space, as he discussed in his manifesto â₠¬ËœIneffable Space’ in 1948. (Gargiani Roberto, Rosellini Anna 2011) Louis Kahn, on the other hand, had a different view. In 1965-69 in his writing of ‘Architecture is the thoughtful making of spaces’ Kahn suggests that meaningful form characterises space. (A selection of Architectural Manifestos n.d) Le Corbusier, one of the pioneers for modern architectureRead MoreBiography Of Charles Edouard Jeanneret, The French Architect, Designer And Writer1748 Words   |  7 Pages Le Corbusier Student: Siena Geddes, 7693990 Class: 20th Century Design Lecturer: Manfred Huber Date: 1st September 2014 Word Count: 1921â€Æ' Charles-Édouard Jeanneret-Gris, better known as Le Corbusier, was a Swiss-French architect, designer, painter, urban planner and writer, active predominately in France, during the first half of the 20th century. Today, he is widely regarded to have been the most immensely influential architect, in terms of town planning and the architectural surroundingsRead MoreArchitecture: Critical Regionalism2103 Words   |  9 PagesLefaivre and, with a somewhat different meaning, by Kenneth Frampton. Critical regionalism could be considered as a particular kind of post-modern response. This response developed as a result of the failure of Post-modernism, together with the influence of Globalization and the spread of Western culture. Critical Regionalism could also be seen as the best solution to cultural issues and the problems of architectural identity. Frampton’s argument is that critical regionalism should not only answerRead MoreLe Corbusier ( The Contemporary City / Radiant Ci ty2294 Words   |  10 PagesLe Corbusier (The Contemporary City/Radiant City): Not all urban planning theories see a natural environment as the ideal urban space. In fact, some planners believed that in order to create a social environment, a city must be built at a very high density, and buildings would be connected by concrete plazas. Le Corbusier was a famous Swiss architect and urban planner who believed that higher density meant shorter distances to work and shopping, and this would be done by constructing a verticalRead More Le Corbusier Essay2772 Words   |  12 PagesLe Corbusier Charles-Edouard Jeanneret is an internationally known influential Swiss architect and city planner, whose designs combine the functionalism of the modern movement with a bold, sculptural expressionism. He belonged to the first generation of the so-called International school of architecture and was their most able propagandist in his numerous writings. In his architecture he joined the functionalist aspirations of his generation with a strong sense of expressionism. He was the firstRead MoreThe First World War And The Reconstruction Of Britain2496 Words   |  10 Pagesreaction by the younger generation to the ‘lightness’ of 1940’s architecture. Brutalism represents an aesthetic that is rational, stripped of ornamentation and predominantly utalised unfinished concrete or rough stone. Initiated originally by Le Corbusier whose architecture was the â€Å"brutal reaction to the machine mass-produced Miesian building types† born in the post-World War II era (S lobodan 1969. P.171-173). Brutalism gained its momentum post World War II as Britain slowly began to rebuild itselfRead MoreSabarmati Ashram1471 Words   |  6 PagesSabarmati Ashram is located in the Ahmedabad at the bank of River Sabarmati. This was one of the residences of Mohandas Karamchand Gandhi. This ashram is now a national monument established by the Government of India due to its significance for the Indian independence movement in the form of the Dandi March in 1930. The ashram was originally established at the Kocharab Bungalow of Jivanlal Desai on 25 May 1915. The Ashram was then shifted on 17 June 1917 to a piece of open land on the banks of theRead MoreBiomimicy: The Design of Life Essay1488 Words   |  6 Pagesâ€Å"Houses are machines for living in,† as Le Corbusier once said. One could say that a building is one of the largest and most used machine in existence today. So why is it that this particular type of machine is so inefficient? A new precedent for design inspiration is needed to mitigate the impact that buildings have on the environment. A machine can be defined as a device that uses energy to perform an activity. Nature, which uses solar energy, can therefore be said to be the most sustainableRead MoreTown Planning of Ancient Romans2420 Words   |  10 Pagesoccasionally stepped and bridged around the city. †¢ Generally rectangular walled city entered by several gates, showing complete town organization. †¢ From the religious significance of the Temples by the Greeks there was a change to the civic influence of Law Courts Basilica which became more important than the public buildings. †¢ Forum Area usually located centre of the town formed by the intersection of the Decamanus and the Cardo being the administrative, commercial and religious center

Australian Taxation Law

Question: Identify and evaluate key arguments both for and against retaining these tax concessions if housing affordability is to be achieved. In your response you must explain what is meant by negative gearing and how capital gains arising from property investment are treated. You should refer to sections of legislation, tax rulings and cases where relevant. Answer: Introduction Housing affordability is a term that is used to describe the relationship between household income and household expenditure of an individual related to the costs of housing. Housing affordability is related to the acceptable proportion of income of an individual that must be spent for housing purposes. In other words, the concept relates t the capability of an individual to survive sufficiently after incurring expenses for housing purposes. In the present situation, housing expenses of Australian citizens have increased to a great extent. According to a report published by the Australian Housing and Urban Research Institute titled Housing Affordability: A 21st Century Problem, around 15% of all households in Australia pay almost 30% of their income for their housing costs. This surge in the prices of housing and rental properties in Australia has affected the middle and lower income groups to a great extent (Action for Housing Affordability, 2016). This gave birth to the concept of Negative Gearing that was introduced as a tax measure by the Government to set off the ill effects of the soaring prices of the real estate. Negative gearing is a practice where an individual borrows money to invest in income producing investment property in expectation that the income generated from the property will be more that the costs of acquiring and maintaining the property. However, in reality this does not happen and the costs exceed the income resulting in a loss. According to the provisions of the Income Tax Assessment Act 1997, expenses and losses incurred while producing income from an investment decisions are subject to deductions from the assessable income of such individual. In the present scenario, people are intentionally resorting to more and more to negative gearing in order to reduce their overall tax liability. This has resulted in much speculative activities in the real estate market and reduced house ownership further as the prices of properties have failed to reduce ("ACOSS address the impact of negative gearing and Capital Gains Tax on housing affordability | ShelterWA", 2016). The secondary mortgage market also has been affected by such type of speculative transactions. This essay is directed towards evaluating these points and brings out the points related to the nexus among housing prices, negative gearing and capital gains tax regime. Is there a housing crisis in Australia? This has been the main topic of discussion in Australia over the past few years. Housing costs and overall housing expenditure on the housing sector is much more when compared to the other developed countries of the world. Housing costs have increases to a great extent during the years. One of the reasons for such increase is the growth in the urban population. Demand has increased over the years; however, on the other hand, supply is limited and has been restricted by the government in various occasions. Another important and influencing factor is the nature and extent of the demand (Choice, 2016). People have a fascination about the size of homes and rental properties. They often choose large chunks of land to build their home on. Increasing interest rates is also considered to be contributing factor to this current situation as it leaves its impact on the mortgage debt and the mortgage debt market. Residential and commercial backed securities have lost their value in the market as there is a rising trend in default in repaying mortgages by the borrowers who are more concerned about obtaining tax concessions and deductions from the tax authorities ("Expenses deductible immediately - management and maintenance including interest | Australian Taxation Office", 2016). With a rise in housing prices, more and more people are losing their ability to afford a shelter over their heads, especially the lower and the middle income group. Factors Influencing Housing Affordability The housing sector is one of the primary concerns of any government. Since the prices have posed much concern in the country, the government took a few steps to control the market prices. However, these steps did not prove effective to bring a proper solution to the problem. Property price has increased are constantly being overvalued making it difficult to access for most of the population who do not own their house. The situation is so grave that the country is in a brink of having a mortgage crisis. Low and restricted supply of land and property have fuel the crisis. Such a rise in the property prices will tend the market to destabilize. This will create a difference between the level of income and property prices. In such a situation, the primary objective of the government is to make housing affordable ("Borrowing to invest and negative gearing - pros, cons, and how it works", 2016). The government proposed various tax reforms in order to control the situation. Since 200, the de mand of real estate has increased to a great extent and this has allowed sellers and builders to raise the price levels. This has resulted in much concern and now people are required to sacrifice more of their financial resources in order to own or rent a property. First time home owners are the worst affected groups as they are go to great lengths to accumulate finance for their first homes. On the other hand, tax concessions and deductions are available only to people who are interested in acquiring investment properties that will tend to generate assessable income for them. Some of the other contributing factors stipulated by the experts are inflation, the prevailing tax structure and easy access to credit for investment purposes. Negative Gearing and Capital Gains Tax Negative gearing involves and borrower to borrow money for investing in investment properties that tend to fetch future income for such borrower. The quantum of future income is of great important in negative gearing. The borrower invests in such properties where the future assessable income from such investment property is less than the costs of acquisition and maintaining the property. This results in incurring in a loss in the transaction. This loss is then allowed by the Australian Taxation Office (ATO), to be set off against other assessable income of the borrower. The main intention of the tax authorities is to provide a buffer to the borrower and provide them with a tax relief so that they are able to cut down their losses (Choice, 2016). The overall tax effect is to set off the net rental loss arising out of the transaction with the other sources of assessable income source of the borrower so that there is a decrease in the overall tax burden of the borrower. This deduction i s provided as an incentive to the borrower according to the provisions of the ITAA 1997. If in any income year, the assessable income of an assessee is not sufficient to set off the loss, it is carried forward and adjusted with the income earned by the assessee in the next year ("Expenses you can claim | Australian Taxation Office", 2016). On the other hand, the ATO and the ITAA 1997 have rules and provisions for Capital Gains Tax related to investment properties. Tax concessions are provided to assesses in case of investment housing. When a property is held for 12 months or more and then sold, the capital gains arising out of such transactions are subject to 50% tax deductions. Negative gearing and capital gains tax regime combined together form a complete code of deductions that are provided by the government and the taxation authorities so that assesses are able to cut down their losses and decrease their overall tax burden ("Rental properties - avoiding common mistakes | Austral ian Taxation Office", 2016). The facilities of negative gearing and capital gains tax have a two-fold advantage that an individual is able to avail. First one being the ability to deduct the loss from rental property and the second is that of the 50% discount that can be availed in respect of capital gains tax. In negative gearing, the borrower is allowed to set off their loss every year against their assessable income. Therefore, the loss from investment property that is incurred during a year is allowed to be deducted during that year itself. Therefore, the assessee is able to take advantage of the negative gearing facility each year and lower his or her tax burden ("Fuel on Fire: Negative Gearing, Capital Gains and Housing Affordability", 2016). The second advantage here is that when such investment property is disposed off, deductions can be claimed from capital gains tax when such investment property is disposed off. The tax applicable in case of capital gains is much less than the normal income tax rates a pplicable to individuals. Therefore, it can be seen that an assessee is able to claim much deductions and concessions in case of negative gearing and capital gains tax. This is the main intention of the tax authorities so that individuals are able to lower their tax burden (Planners, 2016). The provisions of the ITAA 1997 and that of 1936 intend to provide an effective and efficient tax structure for the people of Australia. The legislative provisions provide a complete structure so that tax planning can be done effectively and people are able to plan about their tax burdens. Division 8 of the ITAA stipulates the deductions that can be availed by tax payers in order to lower their tax burdens ("INCOME TAX ASSESSMENT ACT 1997", 2016). This provides an ease to the tax payers and makes tax levy and collection easy with an intention to make it fair and transparent. The structure is so formulated that people are able to properly plan about their tax payments and the system makes sure tha t they collect what is owed to them ("Hot property: negative gearing and capital gains tax | Grattan Institute", 2016). The present story is somewhat different. The tax incentives provided by the ATO and the government are used in the wrong sense. In reality, the loss incurred in negative gearing gets set off against the tax incentive provided. People are resorting to more borrowing for taking advantage of the negative gearing arrangement. They are investing in property that does not fetch much income so that the costs can be covered (Milligan, 2007). This act is done intentionally so that they are able to get the tax incentive. Set offs are availed yearly until the property is disposed off. On the other hand, capital gains tax deduction can be availed when the property is sold. People are availing both these incentives in a wrong way that itself defies the intention of the tax authorities and the government. Easy access to finance for investment purposes has fuelled this phenomenon. People are availing more and more finance from banks and financial institutions in order to buy investment properties a nd taking advantage of negative gearing ("Rental properties 2013-14 | Australian Taxation Office", 2016). Often it is seen that same individual is buying two or three properties in order to lower their tax burdens. This matter is of serious concern as it has increased speculative activities in the housing sector and the real estate market. People are resorting to hedging actively that affects the secondary mortgage market and influences securitisation. The worst affected group is the first home owners who are still unable to provide a roof above their heads dur to the rising prices of housing and rental properties (News Sydney's housing affordability crisis for low income earners is spreading, 2016). Conclusion Property prices are soaring in Australia due to acute shortage of supply. This has allowed builders and seller to maintain a high price for their properties. In such a situation there is disparity between the level of income growth and the market price of houses and rental properties. In order to have a control of the situation, the government introduced several tax reforms in the form of negative gearing and capital gains tax concessions. The main intention of the tax authorities was to lower the overall tax burden of tax payers who have a just and fair cause. However, these tax incentives are being used in an unethical manner by the tax payers. People are engaging in speculative activities and intentionally investing in properties that are not able to provide adequate returns to cover the costs associated with the properties. People are borrowing more and more to invest in investment properties ("The positives of negative gearing", 2016). As a result, loans and debts are being rest ructured randomly by the banks and financial institutions. In order to have a full control of this situation, either tax incentives have to be discontinued or capital gains tax should be imposed on a yearly basis. People are getting resorting to investment in real estate through Super Funds where capital gains tax is not applicable to gains arising out of the sale of investment properties. Therefore, a difference is being created between disposable income and property prices. High prices are preventing common people from owing a house for residential purposes. In the given case scenario, Jai intends to sell his residential house property and buy another residential property and an investment property. He intends to take maximum advantage of the negative gearing process and the tax incentives that are available for capital gains made by him in the process of these transactions ("What to include in your assessable income | Australian Taxation Office", 2016). Therefore, there are two transactions that will attract tax legislations and accounting of the overall tax burden of Jai. We will be discussing theme respectively. Selling of the Residential Property A capital gains tax event occurs when a depreciating asset is sold or disposed off. Capital gains tax is not a separate tax but forms a part of the income tax of an individual. Capital gains tax is applicable to CGT assets when they are sold. A gain arises when a CGT asset is sold and the sale proceeds exceed the cost of the asset. House of Jai is considered to be a capital asset and the gains made while selling the property will be subjected to capital gains tax (Works, 2016). However, the ATO provides a few exemptions to the tax. One of which is the principal place of residence. When a residential house is sold or disposed off where the tax payer resides, it is exempted from the ambit of capital gains tax. Therefore, selling of the residential property by Jai will not attract any tax liability. Plan to Buy New Properties Jai wants to buy two properties. He has $200000 in hand and wants to borrow $150000 from his existing bank. The primary concern is the manner in which these monies are to be invested. The interest to be charged by the bank for $150000 is 5% pa. He has the following options in front of him. The first option involves utilising the cash in hand ($200000) for buying a residential property and the loan amount ($150000) for buying the investment property. In such a situation, he has to pay an yearly interest of $7500 and in order to avail the benefits of negative gearing he has to maximise his costs and such costs have to be less than the rental income that can be earned from the property. Therefore, this $7500 is the maximum costs that can be incurred by him. In the second option, the investment property will be bought with the cash and the remaining cash and loan amount will be used for buying the residential property. This will not give him much advantage as negative gearing is available only for investment properties that are bought with borrowed money. In this situation, the loan amount will be utilised for buying residential property. In this situation, the residential property is to be bought by utilising $100000 cash and $100000 loan amount. Therefore, only $50,000 will be used to buy the investment property. Therefore, in this situation, Jai will not be able to maximise his expenses with respect to the investment property. Thus, it can be inferred that he will be able to utilise the advantages of negative gearing by opting for the first option. References 2015, H. assisted, T. (2016).Action for Housing Affordability.Tenantsunion.org.au. Borrowing to invest and negative gearing - pros, cons, and how it works. (2016).Taxpayer.com.au. Choice, C. (2016).Capital gains tax explained - Mortgage Choice.Mortgagechoice.com.au. Choice, W. (2016).What is negative gearing and positive gearing? - Mortgage Choice.Mortgagechoice.com.au. Expenses you can claim | Australian Taxation Office. (2016).Ato.gov.au. Fuel on Fire: Negative Gearing, Capital Gains and Housing Affordability. Hot property: negative gearing and capital gains tax | Grattan Institute. (2016). INCOME TAX ASSESSMENT ACT 1997. (2016).Austlii.edu.au. Planners, A. (2016).Negative Gearing.Propertyinvestmentplanning.com.au. Rental properties 2013-14 | Australian Taxation Office. (2016).