Top Adding - Finance

“Change begets change”
- Charles Dickens

There is one sure fire way that is guaranteed to get you out of debt.

STOP CHARGING!

Simple as that may be, if you just

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

stop charging now, you still may have debt obligations that you need to take care of. So what would be the best way to achieve the goal of eliminating this debt.

There

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

Examples of combination products may in

are many strategies that you can employ to get you out of debt but there are several things that you must do first to lay the groundwork for becoming debt free. It all s

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

arts with you.

Excessive credit card debt is a growing sickness in America, and like many illnesses, people tend to ignore the problem until it's of epidemic proportion

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

s. Take control now and eliminate credit card debt before it threatens your financial health.

You must change the way you think about money, credit and debt. You must c

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

Combination pro

hange the way you act and feel. Yu must change. PERIOD.

To eliminate credit card debt as rapidly as possible at the lowest possible cost to you, I recommend using a tri

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

d-and-true credit card debt elimination method often recommended by financial experts. I call this method the Credit Crunch.

1.List all of your credit cards, including

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

the balance, the interest rate, and the minimum payment percentage and the minimum payment according to the latest statement. The minimum payment percentage can be found

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

in the small print on your credit card statement or your cardholder agreement, and is usually between 2 and 2 1/2 percent of your balance.

2.Rearrange the list so the

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

redit card with the highest interest rate is at the top and the credit card with the lowest interest rate is at the bottom.

3.Add up the required minimum payments for a

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

ll the cards.

4.Decide how much money you can come up with each month, in addition to the total minimum payments on all your credit cards, to apply to your credit card

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

Following aspects would a

debt. If you don't believe you can afford to pay any additional amounts over the minimum payment, it's time to do a budget and find ways to cut your expenses

5.Each mon

dd to the challenges in developing combination products:

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

h, pay the minimum balance on each credit card except the one with the highest interest rate. On the credit card with the highest interest rate, pay the minimum balance

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

PLUS the additional amount you've identified to reduce your credit card debt each month.

6.Continue to do this until the first credit card (the one with the highest int

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

erest rate) is paid off entirely. Then take the amount you were paying on that credit card (which is now paid off) plus the amount of the minimum balance on the second c

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

edit card, and apply the total to the second credit card each month until the balance is paid off, continuing to pay the minimum balance on all the other credit cards.

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

Professional from academic institutions, pharmaceutical industries, health care indust

7.Continue crunching your payments on the credit card with the highest interest rate as described above, until all credit card debts are paid off.

Some financial expert

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

s recommend paying off the credit cards with the lowest balances first, rather than working on those with the highest interest rate. I disagree with that approach becaus

.

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

although it might make you feel better to see the number of credit cards with balances decline, that good feeling will cost you money. Balances with higher interest rat

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

Companies that provide selfless information through particip

es accumulate interest costs more quickly, meaning you pay more to the credit card company in interest and less in actually paying down the principal amount that you owe

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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