Top Adding - Real Estate

Sure, it’s tough to pull the trigger and buy a home, especially as a first-time buyer. The big hit of covering both a down payment and closing costs is enough to scare any prospective buyer into staying a renter. Wh

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

en you combine the fact that you’ll be responsible for any fixes the house needs and that it’s pretty difficult to just pick up and move, owning your own home gets more frightening by the minute. But fear not, the a

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

Examples of combination products may in

vantages of owning a home far outweigh the risks. So if you’re already looking for a home, continue to do so. If you’re a renter, it’s time to reconsider.

Benefits:

Save big on taxes.

When you own a home you’ll h

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

ave to pay a mortgage and property taxes. It stinks, we know. However, the interest on those bills can help. They’re fully deductible for both federal and state income taxes. The first few years of your mortgage pay

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

ents mostly go towards interest, which means a big-time deduction for you. As a plus, many times all costs associated with buying a home—including those involved with your loan application and home appraisal—are usu

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

Combination pro

ally deductible.

Equity is your friend

Put simply, equity is the appreciation of your home’s worth over what you owe on it. That’s money in your pocket; money you can’t accumulate if you continue to rent. Stats sh

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

w that homes have appreciated in value every year in the United States since 1968. That includes years of economic downturns and recessions. What’s more, you can build equity my making improvements to your house tha

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

t you can immediately enjoy, such as installing a pool or redoing a bathroom. You’ll reap those benefits further down the road when you sell your home.

Appreciate appreciation

The appreciation of your home’s worth

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

is the single biggest contributor to your equity. Homes are considered a great investment over the long term due to their outstanding historical track record. The value of a home typically appreciates at the rate of

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

inflation, plus an additional 1 to 2 percentage points. In booming markets, such as the one experienced over the past few years, home values can grow at a much faster pace—almost 9.4 percent in 2004 alone.

Own to

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

orrow

Owning a home means more negotiating power for you. The more equity you have in your home, the easier it is to acquire a loan or a line of credit to fund home improvement projects, an investment property, or

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

Following aspects would a

a big ticket item.

No more rental restrictions.

Owning means it’s yours. You’re free to do whatever you want to your new home (to a certain extent, of course). Want to paint? Go ahead. Feeling the need to make tho

dd to the challenges in developing combination products:

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

e two rooms into one? Get the permits and go for it. Even better, owning a home means no noisy neighbors above you and no paper-thin walls which to share all of your most intimate details to perfect strangers throug

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

h.

Sweet & Stable

A fixed mortgage rate means you’ll know exactly what your house payments are going to be up to 30 years from now. Even adjustable rate mortgages cap out at a certain level. Knowing what this—undo

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

btedly your biggest bill each month—amount will be well into the future can help you plan for further down the road. Renters have no such luxury, as their rent can—and usually does—increase yearly.

Risks:

Apprecia

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

tion isn’t a guarantee

Though history shows long-term homeowners routinely reap the benefits of appreciation and equity, the housing market can—and has—slipped over the short term. Research the area in which you wa

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

Professional from academic institutions, pharmaceutical industries, health care indust

t to live and make sure any prospective neighborhoods show low crime rates and growing value.

It isn’t cheap

As a general rule, mortgage payments are usually more per month than rent. As an owner, you’ll also be r

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

esponsible for maintenance and repairs—no more landlord to do that for you.

Menacing mortgage

If for some reason you can’t make your house payments, it spells big-time trouble. Lenders could foreclose on you, mean

.

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

ng you could lose the home and all of the equity accumulated so far. Renters, on the other hand, can usually just downsize to a smaller apartment if they find their monthly rent too much to bear.

Pick up and go?

N

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

Companies that provide selfless information through particip

ot so. Owning a home generally means fewer options when it comes to moving. Depending on the state of the market, it could take quite a while to sell your house. Waiting for escrow to close could prolong the process

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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Top Adding - Home Ownership: Benefits vs. Risks

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