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...

the application of e-learning systems - as one of the solutions to the issue of anywhere and anytime learning – is increasingly spreading in the area of education. content management - one of the most important parts of any e-learning system- is in the concern of tutors and teachers through which they can obtain means and paths to achieve the goals of the course and learning objectives. e-learn...

this study was designed to investigate the impacts of teachers self-disclosure on students foreign language classroom anxiety, attitude to english language learning and their achievement scores at the end of the term. there were 48 female learners of intermediate level. they were not randomly selected. there were one experimental group with 21 students and one control group with 27 students.the...

the aim of this study has been to find answers for the following questions: 1. what is the effect of immediate correction on students pronunciation errors? 2. what would be the effect of teaching the more rgular patterns of english pronunciation? 3. is there any significant difference between the two methods of dealing with pronuciation errore, i. e., correction and the teaching of the regular ...

to teach english adequately, qualified teachers are needed. unfortunately, there are still teachers who are teaching english without an academic degree in tefl. it is necessary for teachers to have a major in english to have subject knowledge, but it is not sufficient. teachers need to have an understanding of the social, cultural, moral, ethical, and pedagogical issues of education and practic...

the purpose of this study was to examine the english language needs of medical students at tehran university of medical sciences . analysis of the needs took place for three groups: 320 undergraduate students, 30 postgraduate students and 20 university instructors. a triangulation approach to collect data was used in which a combination of the quantitative (using the questionnaires) and qualita...

one of the most commonly used techniques to reduce the corrosion rate of rebar in concrete is addition substances named corrosion inhibitors into the concrete. corrosion inhibitor is chemical compounds that were added to concrete to prevent corrosion of steel in concrete. sodium nitrate is a type of anodic inhibitors that this study investigatesthe effect of this inhibitor on the properties of ...

having conducted the experiment and analysed the data, the researcher computed the groups mean scores and variances for the test relating to the research question. as the final atep, a t-test was conodonted for the hypothesis. as noted earlier, the significance level was determined at .05 and .01 respectively. the observed t-value was higher than the critical t-value at. 5 and .01 levels. conse...

the study aims to achieve research and testing of hypotheses survey techniques and questionnaires to collect information used. 61 questions in the questionnaire included 15 questions and 46 open questions according to research in the study population, girls and their mothers as the value of different children investment should be. mothers according to the research community benefits from havi...

according to research, academic self-concept and academic achievement are mutually interdependent. in the present study, the aim was to determine the relationship between the academic self-concept and the academic achievement of students in english as a foreign language and general subjects. the participants were 320 students studying in 4th grade of high school in three cities of noor, nowshah...