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...

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...

learning a second or foreign language requires the manipulation of four main skills, namely, listening, reading, speaking, and writing which lead to effective communication. it is obvious that vocabulary is an indispensible part of any communication, so without a vocabulary, no meaningful communication can take place and meaningful communication relies heavily on vocabulary. one fundamental fac...

abstract the third millennium has started, but the world is facing with serious challenges in achieving international security and peace. various human rights violations have lead the states to find means to protect human rights. also article 55 of the united nations charter introduces the respect to human rights and fundamental freedom as the most suitable ways to realize peace and security. ...

previous studies regarding teachers’ beliefs have revealed that teachers’ beliefs have influence on their classroom practices. the current study aimed to investigate the effect of teachers’ beliefs about teaching reading strategies on students’ motivation and success in reading comprehension in the context of english teaching as a foreign language in high schools of mazandaran, iran. data were ...

the neogene intrusion masses in the noudeh-enghelab area located to the north of sabzevar ophiolite have cut the late cretaceous ophiolitic rocks, sedimentary- volcanic and eocene volcanic rocks and have been covered by pliocene and quaternary deposits. the margin is of lava with basalt, phyric andesite-basalt and andesite and the central parts (dome shaped) composed of phyric andesite-trachyan...

in this project, some new polyaspartimides, (pas)s, have been synthesized form michael addition reaction between new synthetic bismaleimide (bmi) and some aromatic diamines. a characteristic property of this polyaspartimides is a pendent carboxylic group, which introduced to these polymers from new bismaleimide. bismaleimides (bmi) is one of the interesting compounds, which can be self-polymeri...

abstract amino acids are building blocks of proteins, and play a vital role in living beings existence and their functionality. the interaction of these compounds with metal ions is of great importance to biochemists, and chemists, because their functions can be utilized as a model in understanding enzymes mechanism for transport of metal ions to tissues. among twenty essential amino acids w...

investigation the archetype of mother can help the reader to understand poes works, especially his fiction, better, if not fully. motivated by internal and external drives to get into the universe in its manifold form poe was impelled to art and, from various modes of art, to symbolism. how much was poe successful to produce works of art has been a matter of dispute among critics. however, ther...

the current study examined iranian undergraduate efl students’ willingness to communicate with regard to their vocabulary knowledge. in general, participants were somewhat willing to communicate in english. the total mean score of 730 university students’ perception of willing to communicate was 83.53 out of 135. results, regarding four parts of willingness to communicate, revealed that part...