"Terrible" is most often used to describe something of very poor quality. "I am terrible at tennis" "That roasted chicken tastes terrible" "Horrible" is often used the same way as terrible, and in most cases either can be used correctly, but horrible has a slightly more serious mood to it. "As a child, my older brother has horrible to me" "The hurricane left many in horrible living conditions" "Troubles" usually means inconveniences, hurdles, difficulties. "He is not getting any sleep because of troubles at home" "That is the trouble with New England weather, it is so unpredictable"