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...

abstract the present study deals with a comparison between reactive and pre-emptive focus-on-form in terms of application and efficiency. it was conducted in an intermediate english class in shahroud. 15 male learners participated in this research and their age ranged from 18 to 25. a course book, new interchange 3, and a complementary book were used. every session the learners gave lectures o...

since the 1960s the age effects on learning both first and second language have been explored by many linguists and applied linguists (e.g lennerberg, 1967; schachter, 1996; long, 1990) and the existence of critical period for language acquisition was found to be a common ground of all these studies. in spite of some common findings, some issues about the impacts of age on acquiring a second or...

the purpose of this study was to investigate iranian efl learners’ beliefs about the role of rote learning (rl) in vocabulary learning strategies; besides, the study examined if english proficiency would influence learners’ vocabulary learning strategy use. this study addresses the need for a clear understanding of the role of rl in efl vocabulary learning by looking at iranian efl learners’ ow...

nowadays, air pollution is a global problem that has had significant growth by technology development, population growth andindustrial development. industrial development brought natural resources deterioration, more manufacturing products, and more environmental pollutants. if pollutant won’t be controlled, human-being and wildlife will face the critical risks. significant release and critical...

the images of muslims in media, literature and politics have been mostly black and white portrayals of a people alien to modernity, civilization, rationality and pluralism. since the end of the cold war and the onset of deadly terrorist attacks in different areas of the world, especially in the united states, these representations show a palpable difference: muslims are represented not only as ...

during the process of reading, sometimes learners use ineffective and inefficient strategies and some factors may influence their use of strategies. perhaps critical thinking is one of these factors. this study aims to identify those categories of reading strategies that are mostly used by iranian efl learners and to see if there is any significant relationship between the critical thinking abi...

efl/esl textbooks have been regarded as essential language teaching materials with which the learners spend about 70 up to 90 percent of their class time. the important role they play and their vast use make them not only influential in learning the language but also in shaping values and attitudes. put it another way, textbooks socialize learners using their contents (i.e. texts, illustrations...

it is not possible to understand developments of a country’s culture and civilization without knowing his believes and myths. whether it is north or south, east or west, planes or mountains, sahara or deserts, here in iran every corner includes valuable and precious treasures which are known all over the world, and cultural – historical objects which are found here adorn all well known museums...

this study was conducted to investigate the impact of podcasts as a learning and teaching tool on iranian efl learners’ motivation for listening as well as on their listening comprehension ability. the study also investigated the learners’ perception towards listening to podcasts and examined whether the learners were likely to accept podcasts. out of fifty-five intermediate learners studying e...