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Top Adding - Are We About to See an Outbreak of REOs Again?
REO stands for Real Estate Owned and describes bank-repossessed properties.
Back in the late 1980s and early 1990s th
Back in the late 1980s and early 1990s th
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
ere was a rash of REOs on the market spawned after several years of creative financing intended to work-around ungodly
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
interest rates. Anyone who sold real estate in those days would agree it was like the wild-wild west of real estate.
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
Banks, overly eager to make loans during a time when property sales were at a virtual stand still, threw caution to th
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
wind and became more-than-willing to make loans to just about anyone able to propose a creative lending idea.
But we
But we
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
reap what we sow--within a few years, when it came to pay the piper, borrowers seemingly had no creative way to maint
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
in the loan and many in turn lost their property to foreclosure. In response, this time eager to dump an overbearing l
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
oad of repossessed properties, banks got the creative idea to sell them off through a specially-formed department they
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
called REO.
It was like witnessing a financial train wreck. Fortunes were lost, reputations destroyed, and for many,
It was like witnessing a financial train wreck. Fortunes were lost, reputations destroyed, and for many,
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
the idea of ever sharing the American Dream got blown off the steps of courthouses across the nation into kingdom-come
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
like piles of ashes.
For the decade following, banks tightened their lending practices and REO, with the exception of
For the decade following, banks tightened their lending practices and REO, with the exception of
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
a few occasional foreclosures, became history.
But history does have a way of repeating itself. About five years ago
But history does have a way of repeating itself. About five years ago
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
banks again threw caution to the wind and seemingly decided to loan money to just about anyone breathing—whether they
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
had the means to repay or not. In fact, they made it easy. Many loans got approved with zero down and included creativ
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
interest rates to keep the monthly payment low—at least for five years.
Can you guess the outcome? I believe we are
Can you guess the outcome? I believe we are
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
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
about to see another outbreak of REO. In my area foreclosures are rising, and sources in Southern California are telli
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
g me there are clear and visible signs that it is just a matter of time before we see an REO pandemic--again.
My advi
My advi
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ce to real estate investors is to start watching the market for properties that must get sold (at below-market prices)
.
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
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
and be prepared to react. If it sounds ghoulish to consider getting a good deal on the misfortune of others, keep thi
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
s in mind: we are surely not wise enough to prevent it, but at least not so foolish that we would miss the opportunity
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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