Top Adding - Real Estate

Mistake #1: Buying the Wrong House

Before you start looking for a house, create a checklist that contains everything you want in a home. Take the checklist with you EVERY time you look at a house and use it t

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

o identify what the house does and doesn't have. Make a list of all the features that you want in a home including location. Do not let your real estate agent or anyone else sway your opinion. When in doub

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

Examples of combination products may in

t, refer back to your checklist. The house you buy should come as close as possible to meeting the requirements on your list. You will have to live in the house, so you need to make the final decision.

Mis

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

ake # 2: Choosing the Wrong Mortgage

Choose your mortgage carefully. You know your financial situation better than anyone else -- make sure that you will be able to make your payments comfortably. Write out

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

your monthly budget so you know how much you can afford to pay each month. Don't fall in love with a house and commit to a payment that will put you in a position where you struggle each month to make your

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

Combination pro

onthly mortgage payment. Just because the bank approves you for a specific dollar amount, doesn't mean you can easily make a payment for that amount each month. Don't jump at the first offer. Mortgage rates

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

and mortgage lenders are competitive. Make sure to talk with several lenders and compare their offers before choosing the best deal for you.

Mistake #3: Having Too Much Debt

Make sure your debt is as low a

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

s possible before you look for a home and settle on a mortgage company. The less debt you have, the more likely you are to get a better mortgage rate. In addition, lots of debt means a higher portion of you

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

monthly income going to pay off the debt rather than being available for the mortgage payment and other unexpected incidentals that come along with owning a house.

Mistake #4: Skipping the Home Inspection

D

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

on't skip the home inspection. You want to know as much as you possibly can about the house you're about to buy BEFORE you buy it. A home inspection by a well-qualified, thoroughly trained individual will te

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

l you a lot about the property. If problems are found, you can decide if you want to renegotiate with the seller by asking them to pay for the repair costs or accept the problems and move forward. Be proact

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

Following aspects would a

ive and know what you are buying before signing the final papers. Once you own the home, it is often too late to seek assistance from the seller if problems do appear.

Mistake #5: Not Putting Everything in W

dd to the challenges in developing combination products:

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

riting

Verbal agreements can not be enforced, so make sure all terms are spelled out in writing. The seller may be a nice person and the real estate agent may be very willing to work with you to make the sal

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

, but that is no reason not to put every agreement in writing. Be overly cautious. If your own real estate agent tells you an item doesn't need to be in writing, tell them you appreciate their advice and ask

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

to have it written anyway. Do not take shortcuts to speed up the process.

Mistake #6: Not Reading All Of The Fine Print

Read everything included in your documents, including any restrictions that might be on

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

the property through a homeowner's association, property deed or other means. Homeowner's associations often have many rules. Make sure you know what they are and that you can live with them before you buy a

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

Professional from academic institutions, pharmaceutical industries, health care indust

home. Also, many property deeds have restrictions regarding zoning. Check out the restrictions before you sign on the dotted line!

Mistake #7: Not Verifying All Of The Information Listed About The House

J

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

ust because the listing for the house says the house is in a particular school district or the average monthly electric bill is a certain amount doesn't necessarily mean that it is. Don't assume anyone would

.

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

ntentionally misinform you but mistakes do happen. Do your due diligence and verify information by calling the school district or the utility company to verify the information provided.

The home buying proce

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

Companies that provide selfless information through particip

ss can go very smoothly if you avoid these seven mistakes. Simply prepare yourself ahead of time, know what you want and what you can afford, and take the time to thoroughly read and understand the whole deal

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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