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 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...

a novel acrylic acid-functionalized fe3o4 magnetic nanoparticle with a core-shell structure was developed for utilization as a heterogeneous organosuperacid in chemical transformations. the structural, surface, and magnetic characteristics of the nanosized catalyst were investigated by various techniques such as transmission electron microscopy (tem), thermogravimetric analysis (tga), and ft-ir...

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...

objective: the objective of this study was to investigate the invitro fluoride release of four new self-adhesive resin cements; set (sdi, australia), breeze (pentron, usa), embrace wetbond (pulpdent, usa), g-cem (gc, japan) and to assess the bonding performance of these self-adhesive resin cements for bonding of orthodontic brackets. materials and methods: for fluoride release experiment, six ...

‏‎the community dynamics of aquatic coleoptera(insecta)in one of the spring-stream habitats of bammo national park in fars province called cheshmeh-ye-ghanbari is studied as a pilot project and model for acquaintance with and furthering the biodiversity studies on fauna of iran. sixteen species-populations out of nineteen of this community were already identified for their taxonomy and for thei...

teachers beliefs have usually been left unattended in the realm of educational research in iranian context. one of those beliefs which seems to impact teachers performance in the classroom is their sense of self-efficacy, which refers to teachers belief in their ability to enhance student achievement and in bringing about positive learning outcomes. the present study aimed to investigate the pr...

the present study was concerned with exploring the frequency and linguistic focus of corrective feedback types given by novice and experienced female teachers working with young learners and compared it with those of elementary classes for adults. moreover, it aimed at measuring learners’ acknowledgement of teachers’ corrective feedback in the form of uptake in relation to linguistic coverage o...

recent studies in scientific education as well as foreign and second language instruction suggest that thinking has rarely been an integral part of education and training in classroom. some scholars decried the lack of emphasis on thinking in the institutes and schools. they noted that memorization and drills were rewarded,while inquiry, reflection, and consideration of alternatives were frowne...

abstract the primary purpose of this study was to explore the actual practices and cognitions of two groups of iranian eap teachers, i.e. language teachers and content teachers, with respect to teaching reading-comprehension and vocabulary. to this end, tehran university of medical sciences which authorizes both groups of teachers to teach eap courses was selected as the context of the study s...