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What Is Good Debt And Bad Debt And How To Manage It

What Is Good Debt And Bad Debt And How To Manage It

Being able to borrow too much allowed many of us to make bad decisions - decisions that led to painful consequences. While debt can help us build assets and achieve dreams, it is also true that debt can lead into a maze that is extremely difficult to unravel. Sudipto Dasgupta is confused. He borrowed money from the bank for a home loan and also some more money as a personal loan to buy a home theatre system to enjoy the music that he loves. His financial advisor tells him that while a home loan is "good debt", acquiring a home theatre system worth Rs 1 lac is bad debt.

Rajiv Raj
Why Sales Must Be More Important Than Marketing

Why Sales Must Be More Important Than Marketing

I know many marketers who complain that marketing is always treated as a second-class part of the business. And while as a marketer I know the importance of providing consistently effective marketing, I also know that if other parts of the business are not effective, then you cannot fix it with any level of marketing.

David Liff
Microsoft, Mobile and Why Microsoft should have bought Slack

Microsoft, Mobile and Why Microsoft should have bought Slack

I for one, totally buy Microsoft’s positioning as the productivity and platform company for the mobile-first and cloud first world. I think it’s an excellent business opportunity, and although the prospect of selling to corporate executives in dull suits may not inspire a fanatic fan-following among the masses, it is the right thing to do - the addressable market, especially in cloud computing, and for Microsoft as a one-stop solution for all corporate IT needs, is quite large, and the company is just getting started.

Shyam Sunder RamaKrishnan
Google's Major Competitive Challenges

Google's Major Competitive Challenges

Google may have dethroned Apple as the most valuable company by dint of its financial reporting discipline, but I’d say they should keep the champagne on ice. Industry shifts like transition from web to mobile computing are always fraught with risk I think the jury is still out on whether Google is the company that holds all the aces for the era of mobile computing. Android may have been a defensive masterstroke by Google, but having a safeguard against irrelevance is quite different from having a weapon of dominance.

Shyam Sunder RamaKrishnan
Why Facebook Looks Poised For World Domination

Why Facebook Looks Poised For World Domination

Of the five American technology giants that are now spoken about in the same breath ( Google, Apple, Facebook, Amazon and Microsoft), I believe that it is Facebook that has the brightest future. A rigorous defence of this claim would require a proper assessment of the strengths, weaknesses and addressable market opportunities in front of all five companies, and I will do that in subsequent posts. For now, I find it really funny that most people view Facebook as nothing more than a passing fad or a silly pastime, unworthy of being spoken in the same breath as Amazon, Google, Microsoft and Apple. Here’s why I think they are all wrong.

Shyam Sunder RamaKrishnan
Academics | InsideIIM