Top Adding - Finance

...Before Your Credit Cards Get Cancelled! Every year, we respond the same way, like Scrooge, giving away the store to avoid the Ghost of Christmas Future. Unfortunately, if we use credit cards to buy Christmas decorations, re

According to USFDA, a combination product is one composed of any combination of a drug and device; biological product and device; drug and biological product

freshments and gifts, most us are haunted by the Ghost of Christmas Past...the past 20 Christmases, if we make the minimum payment. Since we're making payments this year on the holidays of years, even decades past, it makes sen

; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.

Examples of combination products may in

e to look at ways we can avoid using credit cards for at least this one holiday every year.

Debt-Elimination vs Consolidation: Especially with the recent low mortgage rates, many use their home equity to conso

lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.

idate and pay off their credit cards, often with lower monthly payments. Of course, this means last Christmas won't be paid off until 2035 in most cases. The sad fact is, after consolidating to lower their payments, most peopl

here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe

go right back to charge those cards up to the maximum they can afford...or beyond. Instead of looking at how to finance another debt consolidation, let's consider the possibility of debt reduction...long-term...elimination. A

d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.

Combination pro

d up the total of your credit card payments. If you're average, it's about $ 625 per month. One fifth of that ($ 125) is the value of things you bought, with the remaining $ 500 (interest) being the price you paid for not usin

ucts have become life saving products for the pharmaceutical companies who doesn’t have many innovative molecules in their product pipeline and have been inc

g cash (assuming the minimum payment).

Let's turn that around and use it in our favor, for a change. What if we took every Christmas credit card purchase ( you can do this the rest of the year, too. I just don't want to shock

easingly used in the product life cycle management. Even the companies having product patents are trying to extend their product life cycle through the combi

you.) and multiplied the price by 5...the new price representing what we'll pay if we use the credit card. That gives a whole new meaning to the term "Christmas Sale," doesn't it? Think about the financial power you'd have wer

nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically

it not for credit card payments. Most people dream of getting a $ 500 monthly raise in pay, yet they can give that to themselves by simply not using credit cards.

Help For a Debt Free Holiday: Of course, mos

and physically. They need to rightly judge the benefits of the combination products and they have to even look at the risks involved when combining the produ

believe they would need some sort of debt relief to do Christmas for cash and debt freedom is just a pipe dream. This isn't true...it's just a long, hard road to get there. Once you're there, life is far easi

ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi

r without that heavy weight around your neck. I'm just going for a debt free Christmas, though, knowing if I can convince you to do that, you'll see it's worth it to do the rest. That, you can easily achieve in a year, if you'

ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.

Following aspects would a

re able to say "no" to yourself so you can say a bigger "yes" later. Take whatever you spent last year on Christmas and use it as a benchmark for next year (November is a little late to save for this year). Divide that number

dd to the challenges in developing combination products:

Which markets to tap where the combination products can do fairly well?
Which combination prod

y the number of months, or paydays in the year. This is the regular deposit amount for your bank or credit union special savings account (pick one that pays interest). Often, they can automatically deduct the money if your pay

cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin

is deposited directly. "But, "you say, "What if I can't afford to deposit that amount?" Then, it's even more important for you to do this so you can afford Christmas some day but this brings us to that ugly word...budget.

tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen

ong>Merry Money Management: Of course you can afford it...it's just a matter of when you can afford it. Once you get this credit thing cleared up, you can afford five times as much stuff, if you use cash. To be able

t?

As combination products don't fit into the traditional categories of drugs, medical devices, or biological products, the USFDA is in the process of devel

em>to have money to manage you must manage the money you have. Budgeting was a four-letter word for me for a long time, until I was forced to do it to save our house. Now, I praise God I had that financial emergency to he

ping new procedures for reviewing their safety, efficacy and quality.

Professional from academic institutions, pharmaceutical industries, health care indust

lp me learn the difference between needs and wants. Many a parent will rob their daughter's college fund to give her the dolly she wants this Christmas, though, by March, the doll is likely to be broken or lost. You can get he

y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products

the doll, but we'd better be able to tell our own wants "no" so we can tell her "yes" to college...and dolls. The problem isn't income...it's outgo. If you don't have enough every month to put in for next Christmas, you could

.

As there is an increasing trend of the combination products companies manufacturing such products should be able to tackle the problems involved in the de

just take your tax refund and put it away. Marsha and I had no new clothes and ate baked potatoes or rice for dinner 2 nights per week for over a year, to get a handle on our budget...you can do this. Maybe go a little lighter

elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.

Companies that provide selfless information through particip

on the expenses this year and decide you'll do what it takes next year to make Christmas an all cash event. Trust me! Once you've had the taste of a cash Christmas, you won't be able to stop until you're going cash all the way

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

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