Top Adding - Real Estate

This is a very common situation, these days; and it will become an epidemic.

There are millions of adjustable rate and Option Adjustable rate mortgages that will be “resetting” to a normal inter

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

est rate as their “teaser rates” expire over the next couple of years.

This will put severe financial pressure on families who were able to buy their homes only because of those artificially low

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

Examples of combination products may in

payments in the first place.

Many will be unable to refinance or even sell their homes because of the looming glut of homes on the market and the stalling of price appreciation.

Many of these

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

people have little or even negative equity in their homes, which compounds their difficulties as realtors will not list their homes, as they see no way the home owner can pay their commissions.

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

These people also have little to no flexibility to reduce the price of their properties because the mortgage payoff and the closing costs will require them to bring cash to the closing to buy the

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

Combination pro

ir way out of their homes.

Also, these homeowners will have a diminished fervor to stick it out through the hard times just around the corner if they have no equity, abandoning their homes and a

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

dding to the greater problem.

The ultimate nightmare is for people in this situation to be forced to sell their homes for financial reasons. They are headed straight to financial ruin; bankruptc

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

y, foreclosure or both.

Selling a house is a Marketing problem. If I recall from Marketing 101, a product will be successfully sold when you position it as the most competitive product in front

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

of the largest possible market. Painting the porch is not going to make your house the most competitive; everyone else is painting their porch too.

What if you could offer your house for sale

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

and the buyer did not have to qualify for a new mortgage, do you think that would make your house stand out from the rest of the competition? This one change would also double or triple the size

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

of your potential market of buyers. There is a "shadow market" of people who would love to buy a house like yours only they will not or cannot go through the “inquisition” of being qualified for

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

Following aspects would a

a bank mortgage. These people include small business owners, self employed professionals, including real estate investors; foreigners and, yes, those with stinky credit!

They have the cash to p

dd to the challenges in developing combination products:

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

ut down and the ability to carry the payments, they just don't want to hassle getting a mortgage and they will be very grateful to be given the chance to buy a property with no bank involvement.

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

How grateful? We have found that they will jump at the opportunity, pay 15-30% more than the appraised price of the property and will also pay a higher monthly payment as well, which can spell P

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

R O F I T in addition to a quick sale at or above market value. There is only one way that will allow you to sell your home without paying off the mortgage and that is with a properly structured

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

land trust. The trust will prevent the bank from foreclosing on your mortgage for violating the due on sale clause.

An added bonus is that when you sell the property in a land trust, there is

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

Professional from academic institutions, pharmaceutical industries, health care indust

no tax due on the gain; especially important if it is an investment property or a residence that has appreciated beyond the statutory exclusion of $250 or $500,000. Now, you can sell your proper

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

ty quickly, take a nice down payment, receive hassle free monthly payments; in excess of your mortgage payments for years and possibly another lump of cash when the buyer sells the property or re

.

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

finances your mortgage. I say, "hassle free" payments because you will have no tenant, toilet or trash responsibilities to the new buyer. You don't call the bank that holds the title to your car

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

Companies that provide selfless information through particip

if your water pump fails, do you? This has been the way out for many of our clients who were trapped in their homes and can work for you as well. Discuss this option with your realtor or lawyer.

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 discussion around Health and Safety regulations within the Cleaning Industry appears to be a very grey area indeed. Many Cleaning Companies and Employers of Cleaners receive new regulations negatively, seeing these as another way that governments control us, limit freedom and make more money out of businesses. A common attitude is that Health and Safety regulations are simply bureaucratic procedures and more paperwork for the already over-stressed employer. Other Cleaning Companies see new regulations as something that they simply haven't got the time, money or expertise to implement within their companies. Things that they know they really should be doing concerning Health and Safety get pushed to the back of the pile, as there always seems to be more pressing matters to deal with, such as actually making money for the business!

Debt consolidation may prove to be great deal for most but you should have a fixed goal in mind. There are a variety of debt consolidation options available which are quite flexible to suite your particular needs.

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