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Why is personal debt bad

Debt allows individuals to make purchase today by pledging some of their tomorrow’s earnings. Is there anything wrong with having a little - or a lot - of debt? That depends on what the debt does for you - and it should always be more than what you do for the debt. Will this debt pay me back more than what I put in? After you factor in principal repayment, interest payments and the alternative uses of that money, does the debt still make sense? Are you getting all your money back and then some? Could you have done something better with the time and money you are investing? Debt can be "good" if it has the potential to increase your net worth. Bad debt is money borrowed to purchase depreciating assets or assets for consumption. Any time you take out a loan or charge something on your credit card, you are borrowing from the money you hope to earn in the future. You never know what changes may happen in your income, so it is better not to mortgage your futur...
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Today was a long day !!

Half awake and sleepily, I look at my mobile, oh boy couple of missed calls and message from my wife. How long did I sleep? What's the time? 8:45 in the night. So I slept only for 45 mins. Time now for quick chat with wifey and then quick dinner. At 10 pm back at room with couple of articles, one text book chapter to be read before I could try my hands on the case to be read for tomorrow's strategy management class. Flashback to 7:30 am the same day. Grudgingly I am getting out of my bed. Its time to get ready fast, have a quick bite at the mess and run for the class. Professor is already in the class and next hour and a half is about how to manage a world class operations. After assimilating concepts of operations research in the previous term we are learning operations management this term. Though explained in manufacturing terms, fundas are on managing supply chain.  Next two class, for full three hours, are on corporate finance management. Again we have had our fin...
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Que Sera, Sera !!

Life is difficult. This is a great truth, one of the greatest truth. It is a great truth because once we know that life is difficult - once we truly understand and accept it - then life is no longer difficult. Because once it is accepted, the fact that life is difficult no longer matters. -- M. Scott Peck in The Road Less Traveled.  There are only so much one can influence when it comes to things that affects one's life and its future course of action. Some one rightly said that there is future of desire and then there is future of fate. To some extent life is sum of the choices one makes, but even then not every thing can be planned and turned out to be as much as planned. But one thing among all this, that is very important is ability and strength to accept the current situation. Sure plan ahead and take steps to make planning a reality but then be aware that things may not turn out the way you have planned. Have strength to accept the outcome. Be happy if it turns out t...
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