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...

قریب به 70 درصد یعنی 69.9 درصد جمعیت بخش میرجاوه در سال 1385 در روستاها زندگی می کنندکه این میزان بیش از 2 برابر میزان درصد روستانشینی درکشور است که ضرورت مدیریت روستایی دقیق و همه جانبه را در منطقه الزامی می سازد. با توجه به اهمیت و نقش دهیاری ها در امر مدیریت نوین روستایی و اینکه اعمال مدیریت صحیح بدون تجزیه وتحلیل امکان پذیر نمی باشد؛ پژوهش حاضر با هدف بررسی عوامل موثر بر عملکرد دهیاران بخش ...

writing as a productive skill requires practice in the basic sub-skills of vocabulary and grammar. in fact, grammar has been viewed as the core of programs in writing classes to help the students put the elements of sentence together and combine sentences of specific lengths to come up with an error-free work of art. conceptualizing l2 writing in this way introduces writing as a product and enc...

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...

تقریبا" 50 در صد موارد ناباروری به فاکتورهای مردانه مربوط میشود .امروزه انجماد اسپرم انسان برای افزایش میزان موفقیت در روشهای کمک باروری ،جهت ایجاد بانک اسپرم برای مردان در معرض شیمی در مانی انجام میگیرد . هدف از این مطالعه ، بررسی اثر انجماد شیشه ای بر روی پارامترهای تحرک، مورفولوژی، قابلیت حیات، شمارش( غلظت ) و نیز میزان آپوپتوز اسپرم بعد از ذوب می باشد. روش ازمایش: نمونه های سیمن 34 بیما...

the skill of reading in english as a foreign language is an important and challenging one which is affected both by linguistic and extra linguistic factors. since vocabularies are part and parcel of every reading comprehension text, knowing enough vocabulary always facilitates this process. however, guessing strategy as one of the most important strategies has consistently ignored by language l...

this thesis attempts to measure learning styles, self efficacy and intrinsic motivation as predictors of iranian ielts reading comprehension. in order to address this issue, a quantitative study was conducted on some randomly selected intact students at ferdowsi university. these two groups were assigned as they were undergraduate (ba=91) and graduate (ma =74) students; they were all aged betwe...

دراین پژوهش تاثیر آموزش لغات از طریق عبارات واژگانی ‏‎(lexical phrases)‎‏ بر یادگیری آنها بررسی شده است . بدین منظور یک گروه همگن متشکل از 64 دانش آموز مقطع پیش دانشگاهی به صورت تصادفی به دو گروه دیگر تقسیم شدند . در گروه ‏‎a‎‏ که شامل 32 دانش آموز بود ، لغات جدید در بافتهای عبارات واژگانی تدریس شد . در گروه ‏‎b‎‏ که شامل 34 دانش آموز ، همان لغات در بافت های معمولی ‏‎(ordinary & manipulated con...

this study attempted to explore if teaching english collocations through two different modes of awareness-raising and input flooding has any possible differential effect on immediate retention as well as retention in a delayed assessment. it also compared the possible differential effect of teaching english collocations implicitly and explicitly on actively using the items in writing. m...

heuristics are often used to provide solutions for flow shop scheduling problems.the performance of a heuristic is usually judged by comparing solutions and run times on test cases.this investigation proposes an analytical alternative ,called asymptotic convergence ,which tests the convergence of the heuristic to a lower bound as problem size grows. the test is a stronger variation of worst cas...