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: in the paper of black and scholes (1973) a closed form solution for the price of a european option is derived . as extension to the black and scholes model with constant volatility, option pricing model with time varying volatility have been suggested within the frame work of generalized autoregressive conditional heteroskedasticity (garch) . these processes can explain a number of em...

the purpose of this study was to investigate the relationship between teachers’ class management practices with students’ self- regulated learning and academic self-efficacy. in this study relating to the management class, three dimensions, (training management, people management and behavior management) and three style (interventionist, interactionist and non-interventionist) was considered. r...

the major aim of this study was to investigate the relationship between iq, eq and test format in the light of test fairness considerations. this study took this relationship into account to see if people with different eq and iq performed differently on different test formats. to this end, 90 advanced learners of english form college of ferdowsi university of mashhad were chosen. they were ask...

gol-e-gohar iron ore mine of sirjan in southern part of iran is a large open pit that operates below the groundwater table and during mining operation, dewatering is required to prevent operation processes from flooding. current operation is going on by digging wells in or out of the pit and pumping to prevent flooding. as a result of the former dewatering operation a vast deep cone of depressi...

the following question poped up: is there any relationship between iranian high school efl learners reading comprehension and listening comprehension? then the following null hypothesis (ho) was developed to the test the above, mentioned question. "there is no relationship between high school efl learners reading comprehension and listening comprehension. for nearly 16 weeks, the experimental g...

بررسی تطبیقی بازده حاصل از کاربرد تحلیل های تکنیکال و روش خرید و نگهداری در بورس اوراق بهادار تهران چکیده در این پژوهش بازدهی حاصل از روش های تجزیه و تحلیل تکنیکی و روش خرید و نگهداری در فرض قابل پیش بینی بودن قیمت ها و عدم وجود شکل ضعیف فرضیه بازار کارا که توسط فاما در سال 791 مطرح گردیده است ، فعالیت میکند . در این مطالعه چهار روش از پر کاربردترین و معتبر ترین روش های تحلیل تکنیکی مورد بر...

abstract this study investigated the predictability of variables from a motivational framework as well as individuals qualities to predict three non-linguistic outcomes of language learning. gardners socio-educational model with its measures has been used in the current study. individual qualities presented in this study include (1) age, (2) gender, and (3) language learning experience. the...

the ability to speak two languages in the world is a remarkable achievement. there is a good reason to believe that bilingualism is the norm for the majority of people in the world because 70% of the earth’s population are supposed to be bilingual or multilingual. various investigations have shown that the native language impacts foreign word recognition, and this influence is adapted by the de...

دسته ای از ترکیبات شیمیائی که مخصوصا با گسترش زندگانی جدید (ماشینی)اهمیت فرآینده ای پیدامی کنند، افزودنیهای مختلف غذائی میباشند که در صنایع مربوطه بکار گرفته می شوند بکارگیری بخشی از این موا تحت عنوان طعم دهنده ها بمنظور تامین طعم و مزه طبیعی درفرآورده های صنعتی تقریبا اجتناب ناپذیر گشته و همگام با توسعه تولیدات روبه توسعه می رود. یک شناخت سیستماتیک و جامع از خواص و آثار اینگونه مواد طبیعتا مست...