Top Adding - Real Estate

"How much house can I afford?" Have you ever asked yourself that question and are still wonder

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

ing the answer? Well, I have the answer for you.

There is no magic dollar amount that you sho

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

Examples of combination products may in

uld be looking for regarding the "perfect home". How much house you can afford is as unique as

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

you are; it's based on many factors, including your location, income, savings, personal prefer

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

ences, and most importantly, the house-buying plan you have in place.

The most ideal way to b

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

Combination pro

uy a house is the 100%-down plan. Sounds weird, doesn't it?! But think how much fun that would

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

be! Don't borrow money. Period. If I can't get you to postpone the purchase that long, I stron

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

gly suggest you save a down payment of 20% or more, choose a 15-year (or less) fixed-rate mort

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

gage, and limit your monthly payment to 25% or less of your monthly take-home pay.

Yo

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

want your new home to be a blessing, not a curse. If you buy a house with nothing do

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

wn and a huge monthly payment, you're inviting Murphy to move into the spare bedroom. You do N

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

Following aspects would a

OT want Murphy as a housemate - believe me! Slow down and realistically think through everythi

dd to the challenges in developing combination products:

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

g before you jump head-first into making this major purchase. If you don't, you'll just be giv

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

ing Murphy an open invitation to overtake the house.

Here's a quick checklist of impo

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

rtant questions to review as you consider how much house you can afford. If you canno

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

answer YES to these questions regarding the house you have your eye on, then it's not a wise

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

Professional from academic institutions, pharmaceutical industries, health care indust

move to buy it right now.

Can I make at least a 10% (preferably a 20%) down paym

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

ent?

Can I keep house payments at or below 25% of my monthly take-hom

.

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

pay?

Can I afford to take out a 15-year fixed-rate loan?

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

Companies that provide selfless information through particip

Am I working closely with a real estate agent I can trust?

Happy house-hunting

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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Are you hoping you've got your own Bill Gates in the making in your home? As a parent you can probably tell pretty easily whether or not the entrepreneurial spirit is evident in your child. Some kids make it very obvious that the regular nine-to-five will not be a part of their future. For others, you might need to investigate a bit further to see.

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