The book has been properly written with an objective to assess the potential of insurance according to household income groups in rural areas of Jammu and Kashmir. It also aims to generate a socio-economic profile of the insured and uninsured population in rural areas of Jammu and Kashmir. The book also aims to study and analyze the awareness levels of the insured and uninsured regarding need for insurance, types of insurance available, insurance interest, benefits of insurance, and benefits of insurance investment. It involves an empirical investigation of the extent to which advertising affects sales. I believe that our findings would be of great interest to the wide and diverse readership of the people.

This publication is an attempt to study the occupational efficiency and leadership pattern and job satisfaction of educational administrators in higher education. It is hoped that this book will be found very useful for those who want a clear and accurate exposition of educational administration. I will fell amply rewarded if it arouses a genuine interest among the students of educational administration. The presentation of various topics in this book has been made learner centered. Many of the topics are discussed in such a way to make it authentic and academically sound. I am very thankful to Prof. N.A. Nadeem for his constant encouragement. I also thankful to Mr. Javaid, Mr. Showkat, Rakshanda Shabir, Dr. Gulshan for their timely guidance and encouragement, I also thankful to Lambert Academic Publishing especially editor Irusu for the publication of this book.

The languages spoken in the Indian sub-continent have been explored with specific purpose and orientation yet one admits the fact that languages spoken in the belt of Jammu and Kashmir state have been touched to a little margin. The present research work is an attempt to analyse the morphology of Siraji spoken in the Doda District of Jammu and Kashmir. The first chapter "introduction" deals with the history and geography of the district.The second chapter "derivational morphology" deals with the derivation of nouns, adjectives and verbs. In the third chapter "compound words and compound formation in Siraji has been given space.The fourth chapter "Inflectional morphology" comprises of inflection of nouns, pronouns, adjectives and verbs. In nouns, case, number and gender has been taken into consideration. In pronouns also case, gender and number has been discussed. Similarly adjectives have been shown as being masculine, feminine, and their degree has also been shown. In verbs, tense and mood has been touched The last fifth chapter is the "conclusion" which summarizes the overall research work.