ELSS vs. FD: Which is the Best Form of Tax Saving Investment?

Section 80c of the Indian Income Tax Act offers us the freedom to save money in tax while generating high returns on the invested amount.

Yes, according to the Section 80c tax exemptions, you will find a list of fund types like – PPF, Fixed Deposits, and ELSS etc. Which does not just help you save a substantial amount in taxes but also helps you generate high returns.

While, we have already covered the differentiating factors between ELSS and PPF and established that ELSS are a much better mode of investment, in this article we are going to look into what separates ELSS from FD.

Without further delay, let us get into what each of the two tax saving investment models entails.

What is FD?

Investing in Fixed Deposits through banks allow both HUFs and Individuals to ask for a deduction of around Rs. 1,50,000 in a financial year. The deposits come with a lock-in period of 5 years, without giving you an option to take out the invested amount out prematurely. However, it does give you the option to avail loan at the back of them.

Now, while the investment itself is tax exempted, the interest that you earn on them is taxable.

What is ELSS?

Out of the complete Mutual Fund market, it is only the ELSS investments that comes with the benefit of tax exemption under Section 80c. It is a diversified mutual fund based on equity investment that gives deductions of over Rs. 1.5 Lakhs on an yearly mode.

Before the Budget 2018 announcement, ELSS returns were 100% tax free, but now investors would have to pay 10% long-term tax if the gains are more than Rs. 1 Lakh in an year. But, even with the 10% tax deduction, ELSS comes with the potential to give greater returns as compared to any other form of tax saving investment modes available today.

Now that we have looked at what both FD and ELSS investment means, it is time to look into the factors that differentiates them and try to establish which mode of tax saving investment is better than the other.

ELSS vs FD – Factors of Differentiation

  1. Rate of Return

In Fixed Deposit, the rate of return is generally fixed by the banks and fall in the range of 6 to 8%.

In case of ELSS, the rate of returns are entirely dependent on how the market performs. So, if the market is high, the rate of returns would be high and if the market is low, the percent of return will be low too. But, generally, the returns on ELSS has been falling in the range of 15-18%.

  1. Term of Tenure

The Fixed Deposit tenure is 5 years however, you can expand it to over 10 years.

In case of ELSS, the lock-in period or term is 3 years following which you can either invest the amount somewhere or redeem it.

  1. Tax-Saving Opportunity

The tax that you will have on the returns on your Fixed Deposit depends entirely on the tax slab.

In case of ELSS, the amount of tax that is charged is 10% LTCG tax on the profit that you make over Rs. 1 Lakh.

  1. Associated Risks

The amount of risks associated with Fixed Deposit are low to none as they are safeguarded by the banks offering them.

In case of ELSS, it is the market that manage your funds and as you know that market is very volatile, the investment automatically comes with a lot of attached risk as well.

  1. Option to Start Online

Not many banks gives you the facility to open a fixed deposits account online.

ELSS can be opened online without you having to visit any bank or fund house.

  1. Factor of Liquidity

Fixed Deposits does not allow you to withdraw any amount before 5 years of the lock-in period.

ELSS gives you the facility to withdraw the invested amount after 3 years.

Now that we have looked at both the mode of tax saving investments and what separates them from one another, it is time to look into when to choose when.

Well, the answer to it depends entirely on you. If you are someone who is okay with taking risks if it amounts to high returns, go with ELSS. But, if you are someone who prefers ease above all, go with the Fixed Deposits mode of Section 80c tax saving investment.

If you are confused about which should you go for, get in touch with our mutual funds experts today!

The guide on how to choose a fertility clinic

It is indeed a realization for a couple that they would not be able to conceive. For the guys it may not be something that would make them lose sleep over, but in the case of women it does become an emotional cause of worry. But there is no definite cause of worry as this problem you can fix it without much hiccups. The reason  being if there are a lot of options at your definite end for sure. You can resort to the choice of IVF doctors in India.

The simple reason being that infertility is a cause of private struggle. For the simple reason couples are not even able to ask for others on whom to refer as well. Just on the basis of some close relative giving their thumbs up to a clinic they cannot give their thumbs up to a clinic. The quest for a fertility clinic does not seem to be an easy one and there are a lot of points to consider here as well.

You should understand what insurance covers and what it does not

Try to figure out on what does your insurance covers. The chances are that it might end up covering something or the other. In case of some policies it might end up covering the lot of insurance procedures or ultrasounds as well. Now the question is whether your insurance policy goes on to cover certain clinics or not. Just because a particular policy is covered you should not go to the clinic. From a medical point of view such questions or actions fall into the fraudulent practice as well.

Any sort of free discounted clinics would not be of much use at this point of time. But do exercise the budget along with the cost in the choice of the clinic as well.

Be aware of the operation mode of the fertility clinics

Till the point you go on to reside in a multiple location, you are going to have a host of infertility clinics from where you can choose one. But you need to be aware of the fact that all fertility clinics cannot be given equal weightage as well. At the end of the day it is a business and you need to consider the fact.

It would point to the fact that during the first stage of evaluation if they are of the opinion that you are not a candidate for this treatment they are going to turn you away. There is no need to lose hope as it would be a good option. The clinic might be willing to turn off a patient as they do not have to hamper their success rate is a good sign for the patient as well.  But whatever be the course of action on the part of the clinic it needs to be for the exact reasons as well.

The success rates would not be mentioned on the website, as undertake some research at your own end.

Permanent residency a boon

With an elevated living standard and poised lifestyle supported by a powerful economy and picturesque landscapes, Australia forms the much-loved place of immigration in comparison to other nations. It is known as a continent country where one can get a higher education, better business as well as employment opportunities in a number of sectors across the nation. People undertake immigration to Australia so that to enjoy a good life. Before traveling to the country, you are required to lodge a petition for the PR- permanent residency visa to obtain the right to reside, study, and continue work with no restriction in Australia. Below are enumerated benefits of permanent residency visa in Australia.

Benefits of PR Australia

Being a PR – permanent resident, you shall be issued a permanent residency visa Australia. This enables the applicant to get the right to reside in the country indefinitely. You shall take the benefit of the facilities of traveling towards Australia and from the country as you get the status of a permanent resident. But, in the first go the permanent visa shall be granted for the short span of five years. You have to apply for the visa once more either from within Australia or outside the country.

As you acquire a visa for permanent resident in Australia, you can get pleasure from unrestricted liberty to pursue the course of your choice of study. The permanent residents possess various choices to select as they happen to get admission in any university. In the country are found a few kinds of loans that are particularly for the permanent residents. These loans can be incredibly useful in dealing with the monetary crisis that can be incurred by the student because of extra funds spend on the study.

One more feature of permanent residence concerns work permit. Working in the country can be very easy with the help of the permanent resident visa. The permanent residents may assume work under an employer within any suitable occupation. Nevertheless, working in the armed forces and the public service is meant only for the Australian citizens. But it doesn’t make a difference in the industrial laws amid the citizens and the permanent residents. The permanent residents can derive the similar advantages as are enjoyed by the citizens of Australia. They can work as a part within the trade unions and also may claim compensation meant for workers.

With respect to social security, the permanent residents are needed to stay in the country for at least two years. Prior to they will be able to obtain social security advantages such as student, sickness, and unemployment benefits which are provided by the government of Australia.

A very crucial advantage that the permanent residents may derive is the facility of healthcare entitlement. Being the permanent resident of the country, you can have the privilege pertaining to health insurance scheme that is offered by Australian government known as Medicare. Under this scheme, the permanent resident may obtain free treatment in the public hospitals and can get medicines on subsidy.

Want to Improve Your Quality of Life? Have a Glass of Beer

After spending a long day at work, there is nothing better than sipping on glass of beer. Since many centuries, beer has been the part of our culture and style of living. However, most of us look upon beer as guilty pleasure which results in gaining weight and creates a state of euphoria that does not last longer. Against this backdrop, scientist have come up with their revelations about beer which include some of the health benefits that it has on our health. But you might question how can a pint of beer do anything good to the body? To explain the same I would like to draw light over its processing.

Beer is made out of starch of sprouted barley grains and hop which is fermented using yeast. Experts have revealed that this yeast which is fermented has many health benefits for the body. Beer is considered more of a food than beverage. But rather than worrying about the amount of calories that you are sipping with each glass, consider that beer is full of proteins and B vitamins which are vital for the body. Contrary to the popular beliefs, the benefits that beer has on our health are enormous and are true.

How Beer Improves Your Life

Moderate consumption of beer which means one glass of beer for women and two for men can be really rewarding. Consumption of beer acts as a medicine and below are some of the major benefits that beer has

Reduce Incidence of Inflammation

The basic component of beer that is Hop contains flavonoids are the source of antioxidants that help keep the heart healthy. These antioxidants are anti inflammatory that protects against inflammation of the body. Going forward if anyone ask you not to drink beer as it puts on weight, tell them that it is rich source of antioxidants. Different varieties of beer have different levels of antioxidants ranging between 4 milligram in lager beer and negligible amounts in microbrews.

Slows Ageing of Cells

Scientists have revealed that the yeast that is used to ferment beer also helps in slowing the cellular ageing. It has show drastic results with respect to different human genome by increasing and decreasing the length of telomeres which are the ends of human DNA. It prevents the premature ageing of skin cells thus preventing the occurrence of fine lines on skin.

Prevents Cancer

Another major benefit of consuming beer is that the acids presents in hops called humulones and lupulones have the ability to fight against cancerous cells. Thereby, preventing cancer from recurring.

Boost Brain Power

Flavonoids present in beer hop has also show positive results in boosting brain power thus help in reminding things and situations. A university in Chicago has come out with results that shows that persons who drink beer are 23 percent less likely to develop alzheimer’s disease. Therefore, the brain power and mental health is improved.

Get Sparkling White Teeth

If you are also embarrassed due to the yellow teeths than beer is the solution. Consumption of beer in moderate amounts has revealed that it clears the teeth of plaque and helps in making then brighter and shinier. Experts have tested the beer extracts on bacteria which has shown that even a tiniest extract of beer restricts the growth of enzymes that promote tooth decay and gum diseases. It help in keeping away bacteria from growing inside of teeth.

Improve performance in Bed

All those men who are facing erectile issues can resort to beer. The phytoestrogens present in beer helps you last longer thus enjoining your sex life in a better way. Moreover, dark beers have the capability of getting you in mood as darker beers have more iron which increased the red blood cells and circulation. These two vital to attain frequent circulations.

Does Beer Causes Belly Fat ?

Though the many benefits that beer has on our health are laudable, there is still a bigger concern. Beer causes belly fat due to excess calorie intake. As beer is made up if malt, it is full of calories which get stored in belly. This belly fat is called visceral and is not good for the overall well being of the body. Excess belly fat on the body leads to kidney disease, diabetes and cancer. Therefore, consumption of beer has to be in moderate amount.


Planning your next trip to Magala? Great, Such an amazing taste! Magala is a wonderful and beautiful place to visit to enjoy your vacations at it offers an excellent variety for tourists, as you can enjoy its beautiful beaches, diverse museums, and other leisure activities in this exciting place. There are many other things that will definitely make you fall in love with this place.

Vacations are meant for reducing the stress, and not about adding more stress to it. However, unfortunately, things happen and make a vacation an overwhelming experience, no matter how exciting the holiday destination is. Well, there are things that are not under your control, such as bad weather conditions or flight delays.  But other things stolen credit cards, or standing on the long queue for the taxi, have the potential to ruin your fun and excitement but do not have to end your holidays if you are well prepared in advance.

For your next trip to Magala, little efforts early can really help you enjoy your vacation rather than getting involved in troubles along the way.


Some travelers love to pack their all-time favorite belongings they want to have with them without keeping the space limitation factor in mind. Doing this must be avoided as it can result in carrying an unwanted heavy load that you would be responsible to take care of while traveling. This is why, instead of just wondering to take all your favorites along with you, think about the least possible load that is actually needed to get comfortable. Always keep in mind that versatility is an important factor when you start packing for your next travel.


No one wants to experience an emergency situation while traveling to another country. In order to avoid any kind of travel emergency situation, it’s very important to ensure that you are prepared in advance to handle the worst situation, especially if you are traveling to an unknown place. Always make sure that you have the medical supplies, and copies of ID proofs, passport and other important documents that are necessary to carry when traveling to another country. In case your passport gets lost or stolen, by having an electronic copy of your passport and ID proofs you can still get back to your own country.


Pre-booking the flight tickets is one of the best things you can do, but its not only an essential part of traveling. Booking an airport transportation service in advance in order to travel to and from the airport, is also important. Advanced booking of an airport transportation service can make your next trip much easier and convenient. Also,  you do not have to stand in a long queue for hiring a private taxi and ensure that everything goes in a proper way.


So, if you are planning to visit Magala for your next holidays, make your trip enjoyable and unforgettable by getting in touch with a reliable airport transfer services in Magala.


These were a few important things that you need to do when planning your next trip to Magala or any other destination.

Why Natural Oils Are A Boon For Any Pain

Pain is not particularly fun for any people in their right mind. Though it is necessary for life. If there is no pain how does a person know if they have a problem such as cancer to the highest degree or being stabbed by a knife and not know until they have already bled out. People who have congenital analgesia may at first feel supernatural because in a fight they can keep going on while the opponent constantly feels the pain with every punch, but it dwindles with every lasting minute. Till it becomes a curse. Nevertheless, people feel bad for them, but what this is really leading to is what are other ways people who do feel pain can relieve themselves from it.

The Medical Benefits Of CBD

CBD oil itself is one of the many hemp oil products that can relieve people of pain. CBD can often be confused since it is a compound found along with THC which stands for delta-9 tetrahydrocannabinol in marijuana. Marijuana is always abused for its high coming out from the mind-altering THC, but CBD doesn’t do that. Studies have shown that CBD has medicinal benefits, not harm. CBD and THC are both found on the same plant, but CBD is found in the form of hemp on the Cannabis plant. From these hemps, CBD oil is produced.

How It Works

How it works is any cannabinoids which CBD and THC are, attach to receptors specific to cannabinoids. Our body has two kinds CB1 and CB2 receptors. CB1 is found mostly in the brain but some are in the body too. These receptors direct coordination and movement, pain, emotions, and mood, thinking, appetite, and memories, amidst others. While CB2 receptors are found in the immune system and they deal with pain and inflammation. Scientists once thought that CBD sticks to these CB2 receptors, but now it seems that it influences the body to make more of their own cannabinoids.

There is more to be revealed. CBD after into hemp oil products has more benefits than ever in the universe. Since the pain was mentioned first. How about letting pain be talked upon. Studies from the Journal of Experimental Medicine has discovered that CBD significantly diminished inflammation on mice and rats. Researchers say that this could be a new path of treatment to chronic pain and better since it has a more natural way to relieve pain.

CBD For Cancer Cells

Favorable evidence uncovered that CBD can suppress cancer cells from traveling to other realms in the body as well as killing off the cancerous cells. Other benefits include lowering acne, calming people with anxiety disorders, quit smoking and drug withdrawal. Not to mention it treats epilepsy and other mental disorders and possibly prevents Alzheimer’s disease in its early stages. Additionally, it could stop the inflammation in the pancreas in type 1 diabetes.

With positives come negatives some people say a side effect is tiredness and it has not been approved by the FDA and not every state in the USA allows the use of CBD.

Importance of birthday party for children

Parties are an important part of children’s lives where they are getting a chance to express them and explore the uniqueness of the party with their friends and colleagues. One should always try to select the theme of the party based on the occasion for which it is to be organized. It will add more importance to the party and the way kids are exploring the party.

A birthday is an important event which is having their own importance among the children. It is an important occasion or a day when kids would love to spend the day in most creative and innovative manner. They would thereby wish to have their birthday party highly customized to their needs so that they would love to be at the birthday party.

Importance of organizing the birthday party for children

Organizing birthday party is having their own importance among the children as it is a day of unique importance to them. One can thereby make this day of greater significance by organizing a party which is bringing creativeness and engagement among the kids who are going to attend the party. We have thereby discussed few of the importance of birthday parties for children over here.

  1. Showcasing the importance of the day: This can also be considered as showcasing the kid who is having a birthday about how much importance we carry for the day when they are having their birthday. It is thereby a way of showing their importance for us by means of making the party special in a way in which it is flowing and moving forward. One should make this flow in a better manner such that kids who are having their birthday feels most encouraging to be attending their birthday party.
  2. Organizing the relevant events: One can also organize the events at the party which is relevant to the same. It will help in making the party most successful and also the kids who are joining over there will love to express themselves at the party. These events are in a way giving a chance to these kids to showcase their talent to other kids who are going to join the party. It is thereby acting as a platform for these kids to utilize this event to showcase their creative stuff.
  3. Encouraging Kids interaction with the flow: This ensures that kids are interacting with the various events and the way party is flowing. It encourages maximum kids engagement with the party which will ultimately result in the maximum effectiveness of the party in terms of kids enjoying the party and even contributing to the various events which are organized at the party. It will result in children’s knowing each other at the party which will result in children’s enjoying the party.


Thus, we can say that birthday party for children is having its own significance among the kids. One should consider this importance as it contributes to the overall success of the party and how much children’s explore the creative stuff at the party. It will also result in children’s contributing maximum to the party and their outcomes.

Error Free Mapping App: Street View

When people visit new places sometimes they forget where they are at present time and where to go. With the helping Google mapping facility you can know where you are standing at present, you can save desired location and Street View will help you to reach out there safely. Street View is a mapping all like Google Map and Google Earth. The search results of street view are amazingly error free. The best part of this website is that it is user friendly. You don’t have to learn perfection just by adding present location and destination location you can search any way.

Street View as Helper in Crucial Situations

Sometime you feel lost at some unknown place and find nobody to help you out. Street view is a website that helps you to find your present location. You can easily locate the address where you want to go. Among all map viewing websites street view is fun because it is simple and precise to use. For business holders street view provides clear graphical presentation of their desired partner. For safety purpose you can catch anyone’s location if you are worried about their wellbeing. Mostly parents feel relaxed when they first time send their wards alone at any unknown cities. Street view gives simple information to reach your goal.

Some Commercial Benefits of Street view

Street view is a website to find any unknown location obviously yet it has some commercial benefits. If you want to start up any business or open your franchise in another city you can locate it on Street view. Sometimes it becomes difficult to market your business or a service, let the Google mapping website do it for you. Actually it’s possible, suppose you opened a beauty parlour and located it on street view. When nearby people will search a beauty parlour on Google they will show your address. It is truly a great business strategy.

Some Benefits of Street View

Street view is a Google mapping searching website. The major benefit of this website is to find out any unknown place. Street view provides other benefits also which one can’t imagine. You can search any service provider on Google map. If you are going to park your vehicle in parking lot you can Zoon the Google map and you will see how much vehicles are already parked there. Suppose you are hungry and unable to find any food store at your present location, search on Street view and you will get many.

Street View to explore Street Level searches

Street view explores every street of any city like if you are in UK you can see 360 degree views of UK streets. If you are in unfamiliar city you can search in Street view’s graphics section. Street view captures images of many known streets and publishes on maps to search desired street easily. If you are searching for rental property and also wants to know nearby facilities you can search specifically on street view. You don’t have to waste time by visiting many properties. Just drag on Google maps and track the particular property and nearby surroundings. Street view gives personal view of Whole Street that’s why you don’t have to visit personally. Street view gives very simple look of exterior view of any property.

Top Attractions to See through Golden Triangle Tour Packages India

What often draws attention of tourists towards Golden Triangle tour packages India is the way to explore more attractions in the shortest possible time-frame. In addition to this, the tour packages are budget friendly to explore and enjoy a wonderful tour. Here are a few details to explore some of the main attractions in different cities.

Top Attractions in Delhi – The First City to Explore During Golden Triangle Tour

Delhi is the capital city and beginning point of your Golden Triangle tour packages India. Some of the main attractions that you will see here include, but not limited to:

  • The Grand Red Fort, Glorious India Gate and Rashtrapati Bhavan (Presidential House)
  • Ruins of Qutub Minar, Jantar Mantar and Humayun’s Tomb
  • Swaminarayan Akshardham Temple, Chhatarpur Temple and Isckon Temple
  • Lotus Temple, Jama Masjid and Old Fort
  • Bangla Sahib Gurdwara, Raj Ghat, Hauz Khas Fort and Agrasen Ki Bauli

In addition to the aforementioned attractions, there are various others that you will see here.

Triangle Tour Packages IndiaAgra – the City of Taj Mahal

Agra is another city to explore in your Golden Triangle tour packages India where you will see various historical and UNESCO World Heritage Sites. Some of the main attractions that you will see here include:

  • Taj Mahal – One of the Seven Wonders of the World
  • Red Fort (UNESCO World Heritage Site)
  • Et-Mad-Ud-Daulah (UNESCO World Heritage Site)
  • Sikandra (Tomb of Akbar the Great)
  • Jama Masjid and Ancient Markets Nearby

In addition to the aforementioned attractions, you will also see Fathepur Sikri that is 35 km on National Highway 11 to Jaipur from Agra. If time allows, you can also see Chambal Safari and various other attractions.

Jaipur – The Royal City and Capital of Rajasthan

Your Golden triangle tour packages India are counted as incomplete without spending time at Jaipur. Some of the main attractions that you will see here include, but not limited to:

  • Amer Fort, Hawa Mahal and City Palace
  • Jantar Mantar, Jal Mahal and Jaigarh Fort,
  • Nahargarh Fort, Rambagh Palace and Birla Mandir
  • Albert Hall Museum, Sheesh Mahal and Govind Dev Ji Temple
  • Mubarak Mahal, Ram Niwas Garden and Sisodiay Rani Bagh
  • Mansagar Lake, Jaipur Zoo, Bapu Bazaar

There are various other attractions that you will see here. You have to just do proper planning or choose Places to visit in Rajasthan to explore the wonderful attractions. There are various other attractions you will see here.

Now, what is more important than anything else is to choose the right tour packages that are convenient for you and make a contact the right travel agency to make an advance booking. Online search will be the best source for you to fulfill your requirement. You will come in contact with a number of reputed travel agencies. Best Asian Tours offers you affordable tour packages for memorable golden triangle tours. So, what you are looking for, choose the best one and enjoy the real charm of Central part of India.


When it comes to IT organizations, disruptive technologies are of great significance, as the same alter the entire ecosystem. They are the cause of total transformation of business procedures and risk mitigation measures.  By the way of disruptive technology, a relatively smaller organization can challenge a bigger organization in terms of market penetration. Therefore, it is extremely important for software companies to stay updated and mitigate risk of losing business through effective use of managed security service providers, provided by third party technology partner. Professional management in terms of security and IT infrastructure is a must in today’s business scenario, to cut down on operational cost and lubricate business processes. Many a times it has been observed that large business houses only consider equal scale business houses as their competitor. This makes smaller organizations enter the business that has the leverage of disruptive technology. Over time, these smaller organizations establish a strong foothold which leads to multiple business threat to existing organizations.

Therefore, it is essential for the IT organizations to look out of the box solutions to reduce business risk and associated cost. They must be able to conduct a SWOT (Strength, Weakness, Opportunity and Threat) analysis of their business and market as a whole, to proactively stop any entry level adversary.  The best way to reduce risk and cost today is through managed IT infrastructure services. This leads to a rapid transformation in the IT landscape of organizations, by building highly receptive business models in the domain of Big Data, mobility, and social collaboration.  Not only does managed IT security and infrastructure services helps in better management of IT resources, but it also makes the organization highly adaptive to change in technology or style of doing business. This flexibility is very important in today’s world, if companies need to flourish and extend their reach.

However, it is very important for the organization to choose a technology partner, who would definitely deliver both infrastructure security service and managed security service solutions. It is important to reduce support cost, but also increase visibility of the managed IT landscape alongside. Managed security services are important to alleviate problems in the action area of data theft or integrity, malware, firewall management and other resource constraints. It is important to have 24×7 unauthorized entry monitoring system along with the automatic management of its numerous updates. This is made possible with managed security solutions, with its advance capabilities in system security audits and threat response reaction time. Every organization has its own set of challenges, and therefore onsite counseling by technology partner is important to assess the threat perception and key business requirements. It is necessary to have a detailed study of organizations IT architecture for better service offering.

It is important to have web traffic analysis reports, which a good technology partner should deliver to the organization, along with daily monitoring of firewall and VPN. The key is to have an application testing mechanism to counter new threat categories. The need of the hour is a cloud based penetration platform testing mechanism, which is guaranteed to protect key business information and provide a 360 degree view of the landscape. Advanced log management is necessary to analyze the IT usage pattern and proactively derive any possible laps in procedures. Rapid detection capabilities are a must have for any inbound/outbound communication interface. Organizations should have remote desktop management methodology, which includes maintenance of tools and servers.

It is necessary to establish VDI infrastructure integration capability alongside desktop management services. The IT landscape of the organization needs to be more agile in terms of technology absorption capabilities. A good managed security solution should increase first call resolution and on time delivery of services, with best in class industry level SLA. It is important for the technology partner to offer database as service to increase the effectiveness of threat monitoring capability. It is necessary to have perfect synergy between human and machine oriented intelligence systems to achieve greater operational flexibility. This will undoubtedly lead to better predictive monitoring of IT resources of the organizations. The trick is to understand the maturity level of organizational IT infrastructure and be responsive and proactive about the threat matrix.