employees always concern about losing their job , or in other word , losing their income resources. for this purpose, every government requires strong system for covering these concerns. the unemployment insurance (ui) program’s can be used for achieving this goal. in this thesis, we price ui based on the insurance history of employee and the duration of being unemployed. we use the weibull dis...

abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

writing as a productive skill requires practice in the basic sub-skills of vocabulary and grammar. in fact, grammar has been viewed as the core of programs in writing classes to help the students put the elements of sentence together and combine sentences of specific lengths to come up with an error-free work of art. conceptualizing l2 writing in this way introduces writing as a product and enc...

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...

abstract: the present study is an attempt to find out cultural exophoric references in iranian high-school elt textbooks and touch stone series to compare the frequency of occurrence of such references in these books. the purpose is to find out which of the series of the books under investigation impose a greater referential burden on efl learners as far as their reading comprehension of the ...

the effect of learning strategies on the speaking ability of iranian students in the context of language institutes abstract language learning strategies are of the most important factors that help language learners to learn a foreign language and how they can deal with the four language skills specifically speaking skill effectively. acknowledging the great impact of learning strategies...

abstract: advertisements are the most accessible type of authentic materials, and this is one reason why they are used more and more in english teaching classes. for this cause, studies in the field of advertisements are very widespread nowadays. for pun is one aspect which makes advertisements more interesting, it is used more than before in advertisements. use of puns makes an advertisement m...

the construct of self-efficacy has received increasing attention in research over the past two decades. many studies have been carried out 1.3 significance of the study this study has pedagogical implications since improving students’ self- efficacy and autonomy is important for promoting actual performance on classroom academic tasks. in academic settings, it has been shown that self-effi...

the present research was conducted to explore the effect of employing two language teaching approaches, i.e. schema-based instruction (sbi) and translation-based instruction (tbi), on vocabulary knowledge, structure and reading comprehension ability of forty one female students learning english in grade one senior high school in rivash, kuhsorkh, iran. while sbi focuses on schemata, i.e. words ...

this study is an outlook of iranians religious practices and customs in eras such as nasser one. it attempts to answer the main question, "religious practices and ceremonies in the society during naseri ruling" and other subsidiary questions with scientific and historical theories. iran was a traditional and religious community . people abided by their religious practices and duties within reli...