insurers have in the past few decades faced longevity risks - the risk that annuitants survive more than expected - and therefore need a new approach to manage this new risk. in this dissertation we survey methods that hedge longevity risks. these methods use securitization to manage risk, so using modern financial and insurance pricing models, especially wang transform and actuarial concepts, ...

in new management approaches, in the organizations with inflexible structure, existing of red tapes and interruptions caused by limitations and also non-compliance with environmental changes, create demotivation among staff. with regard to the influence of job motivational potential and its relationship to the type of organizational structure( enabling and dissuasive), the goal of this research...

rivers and runoff have always been of interest to human beings. in order to make use of the proper water resources, human societies, industrial and agricultural centers, etc. have usually been established near rivers. as the time goes on, these societies developed, and therefore water resources were extracted more and more. consequently, conditions of water quality of the rivers experienced rap...

monumental changes occurring on a daily basis have altered the world into a global village of expanding technology and shrinking geography in which preparing language learners for intercultural communication seems to be a sine qua non for modern language education. employing a cross-sectional design in its first phase, this study investigated the intercultural sensitivity and language proficien...

چکیده به منظور بررسی اثر تنوع گیاهی و نوع منبع تغذیه ای بر تنوع و تراکم علفهای هرز و حشرات، کارایی مصرف نهاده ها ( نور، آب، عناصر غذایی) و عملکرد و خصوصیات کیفی چند گونه زراعی، آزمایشی به صورت کرتهای خردشده بر پایه طرح بلوکهای کامل تصادفی با سه تکرار در دو سال زراعی 1385-1384 و 1386-1385 در مزرعه تحقیقاتی دانشکده کشاورزی دانشگاه فردوسی مشهد به اجرا درآمد. تیمارهای مورد بررسی دو منبع کود دامی و...

this study examined the effects of collaborative strategic reading and direct instruction in persuasion on iranian high school students persuasive writing and attitudes. students in three intact classes were assigned to one of three treatment conditions: collaborative strategic reading and direct instruction in persuasion or direct instruction in persuasion or a control group. treatment effects...

like any other learning activity, translation is a problem solving activity which involves executing parallel cognitive processes. the ability to think about these higher processes, plan, organize, monitor and evaluate the most influential executive cognitive processes is what flavell (1975) called “metacognition” which encompasses raising awareness of mental processes as well as using effectiv...

why some learners are willing to communicate in english, concurrently others are not, has been an intensive investigation in l2 education. willingness to communicate (wtc) proposed as initiating to communicate while given a choice has recently played a crucial role in l2 learning. it was hypothesized that wtc would be associated with language learning orientations (llos) as well as social suppo...

there are two major theories of measurement in psychometrics: classical test theory (ctt) and item-response theory (irt). despite its widespread and long use, ctt has a number of shortcomings, which make it problematic to be used for practical and theoretical purposes. irt tries to solve these shortcomings, and provide better and more dependable answers. one of the applications of irt is the as...

this thesis attempts to measure learning styles, self efficacy and intrinsic motivation as predictors of iranian ielts reading comprehension. in order to address this issue, a quantitative study was conducted on some randomly selected intact students at ferdowsi university. these two groups were assigned as they were undergraduate (ba=91) and graduate (ma =74) students; they were all aged betwe...