Top Adding - Real Estate

Nearly a full third of households are still renting...but if you are one of them, you could be paying a hefty price. Additionally, the children of the baby boomer generation are close to or at the home buying age, but these "echo b

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

oomers" could mistakenly decide to put off the purchase of a home because of all the noise about a "bubble" in home prices.

Is there a "bubble"? The simple answer is "no". Even if interest rates move a bit higher, it won't be enou

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

Examples of combination products may in

h to cause a nationwide slide in home prices. The key to a healthy housing market is the job market. If the payment on a new home might be slightly higher due to increased interest rates, it generally won't stop someone from purcha

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

ing the home of their dreams...but if they feel their job is in jeopardy, it might be enough to stop them from making a move. So with the currently low levels of unemployment and the beefy gains in job creations, it looks like the

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

housing market will remain vibrant. Although it will be difficult to sustain the double-digit gains that much of the country has seen, price declines are highly unlikely. Expect a more moderate rate of appreciation, perhaps closer

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

Combination pro

o the historical 6-7% range, which is still very good.

It is important to note that housing tends to be localized. So if the job market in your area is weak, housing prices could under perform the rest of the country.

But this ta

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

k of a housing bubble has been going on for a few years now, and those who were unfortunately victimized by continuing to rent instead of purchasing a home are painfully mulling over their missed opportunity. But is it too late? Ev

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

en with the more moderate levels of appreciation expected…procrastinating on that home purchase could cost you a bundle.

Let's look at an example. If you are paying rent at $1,500 per month and your landlord increases your payment

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

by a modest 5% each year, you would wind up paying just about $100,000 over a 5-year period! Worse yet, after forking over $100,000, you still would have nothing to show for it.

And speaking of having nothing to show for it - how

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

bout any improvements you might make to a rental property? It's not uncommon for renters to freshen up the paint, install new light fixtures or plant some nice flowers outside. But guess what…all your efforts, labor and the benefit

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

of that improvement belong to the landlord, not to you.

With the extensive variety of programs to help buyers obtain a mortgage with little to even zero down payment, the very same money could have been used towards home ownership

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

Following aspects would a

. Even using a standard 30-year fixed program, a mortgage of $300,000 could be obtained with a total monthly mortgage payment - including property taxes and insurance - of around $2,200. Assuming a 25% tax bracket, this would be eq

dd to the challenges in developing combination products:

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

ivalent to the average amount spent on rent during the same period after your tax benefit.

And the benefits of home ownership are quite considerable. Because the mortgage is being paid down each month, equity is being built. After

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

5-years, the $300,000 mortgage would be reduced to $279,000, adding $21,000 to your net worth. Home appreciation can add an even bigger chunk. If your home appreciates at a modest 5% per year, the value of a $300,000 home would inc

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

rease to $383,000 after 5-years. Subtract the remaining mortgage of $279,000 and you have a whopping $104,000 of additional net worth! Even if the appreciation level were at 3.5% or half the historical norm, the result would be $77

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

000 of additional net worth.

But if laying out the initial increase in monthly payment and having to wait for your tax benefit to show up next April is a tough nut to crack, the IRS wants to help. Instead of waiting to file for th

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

Professional from academic institutions, pharmaceutical industries, health care indust

tax benefits derived from your new home purchase, you can simply adjust the amount of your withholding. This allows you to have less tax withheld from each paycheck so you can handle the new mortgage payment more comfortably throu

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

ghout the year. In essence, you are taking your tax refund as you go instead of letting Uncle Sam hold it all year, interest free.

Visit www.irs.gov and use the IRS withholding cal

.

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

ulator. This very handy tool can quickly show you the effect a change in withholding will do to your net paycheck. Remember to balance this with the expected refund and it is always a good idea to check with your tax advisor.

Don'

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

Companies that provide selfless information through particip

be victimized by the bubble hype. Buying a home is a big step, but it is almost always one in the right direction.

If you have any questions or would like to talk to Carlos Aguilar about buying your 1st home please call him today

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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The market offers several investment alternatives, and thus individuals are likely to be overwhelmed solely with the thought of them. It is essential to have proper guidance to execute a plan in order to achieve one?s financial goals. People who want to get involved with the market should look for the council and advice of financial advisors. While choosing financial advisors, people need to opt for one who has all the required expertise, qualifications, and tools to help them focus on their long-term goals. A good financial advisor can help decide which investments are best suited for individual needs, based on financial objectives. They will also be able to help with a savings program to build assets.

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Top Adding - Buy a Home vs. Rent

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