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...

methodology non-native participants in this study were sixty ba students majoring in english literature and teaching english as a foreign language at khayyam university of mashhad. they were senior students, between 21 to 24 years old, who had studied english for at least three and a half years and had passed several courses including grammar, reading, conversation, and writing. this was assum...

why some learners are willing to communicate in english, concurrently others are not, has been an intensive investigation in l2 education. willingness to communicate (wtc) proposed as initiating to communicate while given a choice has recently played a crucial role in l2 learning. it was hypothesized that wtc would be associated with language learning orientations (llos) as well as social suppo...

the present study was an attempt to compare the effect of peer metalinguistic corrective feedback on elementary and intermediate efl learners speaking ability to see which level benefits more from this type of feedback. to this end, 117 female efl learners at grade 3, al-zahra high school in kermanshah, iran were non-randomly chosen. the homogeneity of the participants was attained through a pi...

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...

like any other learning activity, translation is a problem solving activity which involves executing parallel cognitive processes. the ability to think about these higher processes, plan, organize, monitor and evaluate the most influential executive cognitive processes is what flavell (1975) called “metacognition” which encompasses raising awareness of mental processes as well as using effectiv...

just as motivation is important in sla research, demotivation constitutes an important factor, too. there are many studies done on demotivation and burnout of teachers. many of these studies have been conducted on one or two aspects of english instruction. consequently, there are few studies which have been done on more than two aspects of english teaching. the aim of this study is to find out ...

abstract the present study was conducted in order to investigate the impact of an integrated model of form-focused and task-based instruction on iranian efl learners vocabulary learning and retention.it also aimed to detect efl learners attitude towards the implementation of form-focused task-based vocabulary instruction in the classroom. in order to address the purposes of this study, a sampl...

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...

introduction acetic acid bacteria are large group of obligate aerobic gram negative bacteria with the ability to oxidize ethanol to acetic acid (1). they are widely distributed in natural habitats and classified in family acetobacteraceae. members of this family are useful in industrial production of vinegar(2). acetic acid bacteria (aab) can use substrates as glucose, ethanol, lactate or glyc...