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Saurabh Saxena | Answer |Ask -Follow

Tech Career Counselling Expert - Answered on Jun 17, 2023

Saurabh Saxena is the COO of Scaler by InterviewBit, an edtech platform that helps engineers achieve their highest potential and prepare for potential job interviews.
He has over 10 years of experience mentoring the next generation of engineering graduates and software developers.
He holds a bachelor's degree in information technology and business administration from the University of Newcastle, Australia.... more

Question by ketan on Jun 03, 2023Hindi

Career

Hello, my nephew is pursuing 12th In science in Bangalore. He is interested in pursuing a career in cyber security. Are there any degree courses for the same available in India, or abroad? Please guide.

Ans: Hello Ketan,
Cyber Security is a part of most Computer Science courses in India. He can pursue any higher education program with focus on Computer Science. Before enrolment review the curriculum to ensure that Cyber Security is a part of the program. To build expertise further you would have to pursue specialisation in the field of Cyber Security.

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Mayank Kumar |193 Answers |Ask -Follow

Education Expert - Answered on Jun 09, 2023

Question by MANISH - Jun 02, 2023Hindi

Career

HELLO MAYANK SIR, MY SON HAS PASSED HIS DIPLOMA IN ELE.ENG. FROM BHAGUBHAI COLLEGE MUMBAI & DOING HIS DEGREE IN ELE WITH ELECTRONICS IN HIS LAST YEAR NOW. HE WANTS TO GO FOR CYBER SECURITY COURSE AFTER HIS GRADUATION. WHAT ARE THE OTHER OPTIONS OPENED FOR HIM IN FUTURE?

Ans: He has multiple options from cybersecurity, AI & ML, PMP certifications that he can do and start his career in the cybersecurity, AI & ML or in data

Latest Questions

Milind Vadjikar |1086 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 04, 2025Hindi

Money

Hello Sir I am 21 years old i want to learn investment and i am ready to embark on this journey to create side income and keeping away from all those tricking things that circular around internet of quick rich scheme which is all we know is fraudulent. So please advice me on this topic. Thank you for your time.

Ans: Hello;

It is good to note that you are curious to know about investments at an early age.

Keep expenses worth 6 months as emergency fund.

Have a term insurance cover in which you can extend amount of cover based on life stages.

Use NPS for your retirement planning.

For all other financial goals such as:
1. Funds for Marriage
2. Home purchase down payment corpus build
3. Vacation planning
4. Car purchase
5. Children's education

You may plan SIPs of various durations into type of mutual funds that are in sync with your risk appetite, financial profile and time horizon.

Mutual funds can be used to invest in various asset classes such as domestic equity, international equity, debt, gold, real estate etc.

Some social security scheme subscription is also desirable (PPF/EPF).

Also carry good healthcare insurance if you are not in government employment.

Please feel free to revert for any other doubts.

Best wishes;

Ravi Mittal |541 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 03, 2025Hindi

Relationship

Hi Advisors, Is getting married in 2025 a good life decision as I get the thought of it I feel a heavy feeling on my heart after looking at current inflation as I do not want to burden another human beings life because of my choices. Please help.

Ans: Dear Anonymous,
I am not sure if you are looking for financial advice or relationship, but the general rule of thumb is that if you have any worries when you think of getting married, it's best to take things slow. As for the financial burden of getting married, it is important for both partners to contribute and shoulder the responsibilities. Things are much easier when
Hope this helps

Ravi Mittal |541 Answers |Ask -Follow

Dating, Relationships Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 03, 2025

Relationship

Hi,i am a female,i have had a lot of sexual intercourse before, and now I'm dating a guy who is a virgin,i told him the truth and he accepted me and we are in our second year of dating, i still can't get rid of the guilt i have for not being able to give him my virginity,what hurts me the most is, when my exes see and know about my boyfriend and me,they will laugh at him for dating someone like me, someone they once fucked,what should i do?

Ans: Dear Anonymous,
I get that it's tricky but you have to understand that it's all in your head. Your exes might not even care, or even if they do, it does not matter. Your present partner doesn't have an issue with your past, and neither should you. What you are concerned about is a mere social construct. So every time you feel this way, make yourself understand that there's nothing to be guilty about.
Best Wishes.

Milind Vadjikar |1086 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by Masoom - Mar 04, 2025Hindi

Money

HI Sir I want to invest in Physical Silver bars & coins. Can I get good returns in Silver in maybe next 2 to 3 years. Also want to know whether I can Sell silver bars at the same trending price?

Ans: Hello;

Instead of investing in physical silver, you may invest in silver mutual funds/ETFs.

This will not require any safe deposit locker, making charges and GST.

You may sell it whenever you want.

Also it pegged to the price of physical silver in India.

Best wishes;

Radheshyam Zanwar |1319 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 04, 2025

Question by Ruhi - Mar 04, 2025Hindi

Career

I completed my 12 in 2020 with pcb after this I give entrance and got admission in govt college and completed my d pharmacy at the age of 19 . Since childhood I always want to wearing white coat but after seeing my family condition I decide to give govt job exam in pharmacy field then I give esic pharmacist aiims raipur but not got selected in any a lot of hard work and sleep less night and next month rrb pharmacist exam held I feel very low I m 21 year already I belong middle class family and my father is sick I thought i was never selected what should I do

Ans: Hello dear,
You are not the only one facing critical problems in life. Yet, you completed your pharmacy degree at just 19. I believe you took the job examination only once and felt frustrated. Many candidates have applied multiple times before being selected. Don't lose hope; keep trying until you achieve success. Wasting sleepless nights won’t solve anything. You have limited time to prepare for the RRB Pharmacist examination next month. Wake up and work hard to pass it and fulfill your dreams! At just 21, you have plenty of time to reach your goals. Take care of your father while also preparing for your exams. Keep faith in God. Best of luck for your bright future ahead.

Follow me if you’re satisfied with the reply; otherwise, feel free to ask again.
Thanks,
Radheshyam

Radheshyam Zanwar |1319 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 04, 2025Hindi

Career

I got 94.81 percentile, im from telangana ,for which nit am i eligible?

Ans: Hello dear.
You have borderline percentile. You may or may not get it. Please keep a close eye on admission process. Yet recommending you to score more in 2nd attempt of JEE for sure shot admission. Best of luck to you.

Follow me if satisfied with the reply. Else ask again.
Thanks
Radheshyam

Radheshyam Zanwar |1319 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Mar 04, 2025

Asked by Anonymous - Mar 04, 2025Hindi

Career

(Q1). Secured 86.83 percentile in JEE main Session-1.wether it will lead to eligibility for JEE Advance? Ews category. (Q2). Can I get government college CSE branch.......?

Ans: Hello dear.
Here is the point-wise reply to the questions.
(1) The eligibility to appear for JEE (Adv) depends upon the cut-off declared. Hence please close watch on the announcements made on the respective website. (2) You did not mention the category. Yet assuming OC, difficult to get CSE @ Govt Collge.
Best of luck to you.

Follow me if satisfied with the reply. Else ask again.
Thanks
Radheshyam

T S Khurana |388 Answers |Ask -Follow

Tax Expert - Answered on Mar 04, 2025

Question by BHARAT - Feb 09, 2025Hindi

Money

My wife is retired Her income from STCG from debt funds in this FY is 61000 Her income from LTCG from debt funds is 499000 If she invests Rs 61000 in ELSS will IT DEPT allow rebate of 61000 under section 80c and if so, her taxable income being 499000, will she get rebate under section 87A under the old tax regime

Ans: 01. Kindly note that Tax Rebate u/s 87A is not available if your taxable income exceeds Rs.5,00,000.00, in old tax regime also. I feel in this case taxable income would be more under different heads like Pension & Interest Income etc.
02. Deduction u/s 80-C would be available, if you invest in ELSS. This will effect your other income Like Salary/Pension, STCG & Income from Interest etc.
Most welcome for any further clarification. Thanks.

Milind Vadjikar |1086 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 04, 2025

Question by lavan - Feb 26, 2025Hindi

Money

Hi, I'm Lavan Kumar, i'm 34 year old married, one daughter of 6yr old. my current take home salary is 80k. my current PF balance as on Jan'25 is 8.5L Holding 1Cr term insurance with a premium of 18K per annum medical premium of 40k per annum for my family ( including parents). PPF Balance is 1.18L, investing around 20K per year investing in NPS from Dec'22 onwards and currently holding 2L and investing 50K every year and also investing 4500 monthly through employer from my salary( above mentioned sal is excluding this amt) Investing 9k per month in 5 mutual funds 1.Kotak infrastructure and Economic reform fund - 2k 2.Quant infrastructure fund -2k 3.Bandhan sterling value fund - 1k 4.SBI long term equity fund - 2k 5.Quant Multi Asset fund - 2k Paying LIC of 27K per year for 10L sum assured. currently holding a personal loan with an EMI of 27k per month, same will be closed by Dec'25. Please guide me on how to achieve 1Cr in next 10 years and where to invest to achieve my target.

Ans: Hello;

You may be able to achieve 1 Cr corpus in the following manner;

1. Do a flat monthly SIP of 50 K for 10 years.

2. Begin with a monthly sip of 15 K and step it up every year by 30% minimum.

Other option is to do a flat monthly sip of 20 K for 17 years to achieve 1 Cr.

A modest return of 10% is considered.

Also your funds need a complete rejig for which you may get in touch with a MFD.

Best wishes;
X: @mars_invest

Rajesh Kumar Singh |139 Answers |Ask -Follow

IIT-JEE, GATE Expert - Answered on Mar 04, 2025

Question by Sukriti - Mar 04, 2025Hindi

Career

I get 81.9 percentile in jee mains session 1 can I get cse in any nit

Ans: For general NO

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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