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, ...

the ability of composing a coherent and extended piece of writing in second language is considered as a fundamental factor to convey information and ideas of learners through the academic issues. although learners may achieve a perfect academic writing skill through assigning the l2 tasks in content based instruction, but demonstration of their abilities may be related to their ability in l1 es...

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 purpose of this study was to investigate how english language teachers in mashhad who teach students in the pre-university cycle perceived the impact of the efltee on their teaching. the target population was nearly all pre-university english language teachers in seven districts of mashhad in the scholastic year 2008/2009. a survey questionnaire which consisted of (36) likert type items, wa...

the present study investigated the effect of the two vocabulary teaching techniques in est, namely the use of translation and the use of visual aids as two separate vocabulary teaching techniques. to answer the question of the study, a pretest (michigan test) was administered to the 58 randomly selected est students at khajeh nasiredin tusi university, faculty of mechanics. after the homogeneit...

this study investigated the potential role of age in inductive and deductive grammar learning among iranian foreign language learners. the experimental population consisted of our randomly selected samples including two groups of children (with age of exposure to english within 8-13), and two groups of adults (with age of exposure to english within 11-13). thus, the comparison was between ch...

building on previous studies on intellectual features and learners’ grammar learning, the present study aimed at investigating whether intelligence criterion had any impact on efl learners’ english grammar learning across two intelligence levels. in the current study, the participants were divided into two experimental and control groups by administration of raven i.q. test. this led to the for...

tennessee williams (1911-1983), the modern american dramatist, had his own unique school of dramaturgy. the dramas which he depicted are populated by characters who are lonely, desperate, in anxiety, alienated and in one word lost. they face challenges which they may overcome or not, through the choices they make. all these moods and conditions are clearly seen and explained in the theory of ex...

the thesis has been arranged into five chapters and mainly concerned with the baer-invariant of groups which is the generalization of the schur-multiplier with respect to the variety of groups. chapter one is devoted to collect some notation and background information which are needed in the next chapters. its also contains some important statements which will be generalized in this thesis. cha...

introruction khawf in(iran)-herat and mazaresharif and shirkhan bandar in (afghanistan)-dushanbe in (tajikistan)_(kirgizstan)-kashghar in(china) project railway network is under construction that it is as a significant corridor for revitalizing silk road corridor in the region .at the present there are three different gauge in the region central asia with 1,520 mm gauge and turkey-islamic repu...