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Top Adding - Mountains of Debt
I remember as a child hiking through the Rocky Mountains, with its steep slopes and jagged rock formations. The road trip was a thing of magnificent beauty. Miles of trees and
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
rocks as we ascended upward thousands of feet above sea level in our voyage to the wilderness.
I remember being mesmerized by the monumental walls, scathing hundreds of feet
I remember being mesmerized by the monumental walls, scathing hundreds of feet
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
straight up into the sky. Hours passed as we approached our destination. That was only the beginning of our journey.
Once we arrived at a point where we would leave our vehi
Once we arrived at a point where we would leave our vehi
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
cle we loaded up our supplies and began the second phase of our journey. We would hike into the deeply wooded area to find the perfect camping ground. This would take up to s
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
everal hours as we navigated the steep hillside and rough terrain.
Then once we arrived we would set up camp and get ready for our adventure. Fishing and camping was the best
Then once we arrived we would set up camp and get ready for our adventure. Fishing and camping was the best
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
part of my child hood. I remember catching my 1st fish and all of the experiences of learning to cast the bait where the hungry fish were hiding, the setting of the hook on t
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
he nibble and reeling in the whale (or so I believed).
All of this took time and patience something we lose sight of as we turn into adults. Yet the lessons of patience are n
All of this took time and patience something we lose sight of as we turn into adults. Yet the lessons of patience are n
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
eeded when we look into our financial stability and our obligations when it comes to debt.
You see when we take a good long look at where we are today and what we want to acc
You see when we take a good long look at where we are today and what we want to acc
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
omplish for tomorrow the end of the rainbow seems so distant. Conquering debt has to be done in a manner that makes progress easy and painless.
Setting up a plan of action ca
Setting up a plan of action ca
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
n be as simple as getting a credit report and reviewing your current obligations. What types do you have? Auto loans, credit cards, mortgages, utilities and medical expenses.
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
Take a look and perform this strategy.
Organize your debts from the smallest debt to the highest debt on a piece of paper.
Now look at the amount of interest you pay. I woul
Organize your debts from the smallest debt to the highest debt on a piece of paper.
Now look at the amount of interest you pay. I woul
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
d be willing to bet that the lower balances are costing more in interest that the larger balances; am I correct?
Now make a promise to yourself not to charge any more on your
Now make a promise to yourself not to charge any more on your
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
credit lines until they have been eliminated. I don't mean just pay them off and rack them up again. Seriously pay them off and use them only when necessary.
This is how you
This is how you
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
can conquer the mountain. 1st the smallest balance (keep making regular payments on the other obligations; your credit rating is at stake.) when this is paid in full you can
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
apply that extra money to the principle of the next largest debt, then so on and so on.
Until you have finally paid off all of your credit and charge cards, then you can work
Until you have finally paid off all of your credit and charge cards, then you can work
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
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
on eliminating the larger balances. Your goal should be to conquer the mountain in an orderly fashion so you don't become overwhelmed in the process.
Once you have reached a
Once you have reached a
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
point where the momentum of your effort is taking huge bites out of the principle balances you may wish to look at refinancing the debts under your mortgage.
Some of the ben
Some of the ben
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
efits are interest deduction and faster elimination of higher interest rates. You can also use the equity in your home for investment purposes which will offset your debt in t
.
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
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
he long run.
Remember before making these decisions you have to weigh the pro and the cons, does it make sense to start the term over on your mortgage are you disciplined eno
Remember before making these decisions you have to weigh the pro and the cons, does it make sense to start the term over on your mortgage are you disciplined eno
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
ugh to make this decision and follow through with it once the money gets into your hands?
Why start climbing the mountain from the bottom when you were already half way there
Why start climbing the mountain from the bottom when you were already half way there
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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