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Is living debt free possible? So many people in today's society struggle with overwhelming amounts of debt. Our society has becom

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

e one obsessed with more. More everything. Debt free living is certainly a goal for most, but is it possible?

To discuss debt fr

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

Examples of combination products may in

ee living, for the purposes of this article, I am not going to consider mortgages. Although it is a dream of mine personally to p

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

ay off my house and enjoy living without a mortgage, at this point in my life, it's not going to happen. At least not for at leas

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

10-15 more years. So the debt free living that I am going to be discussing in this article is becoming credit card debt free.

I

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

Combination pro

t sounds simple. If you can’t pay for it, don’t buy it. Thats how our parents lived as did their parents. And the advice to pay m

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

ore then the minimum payments is great advice. But for some, making even the minimum payments is a struggle. How to pay more? I r

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

member a friend of mine in college who got in over her head with credit card debt. She would use the availability of cash advance

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

s on her credit cards to make the payment. Or use one card to make the payment on the others. It is truly irresponsible to give

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

students in college who are adjusting to life without the supervision of their parents, credit cards. Those who have little to kn

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

w experience with credit coupled with full time schooling and perhaps part-time jobs have no business with credit cards. Speaking

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

Following aspects would a

from experience, it is very easy to get in over your head very quickly. And difficult to get out. Debt free living or the lack t

dd to the challenges in developing combination products:

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

hereof effects every aspect of your life. If you are overwhelmed with debt, there is little else you can think of. Debt free livi

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

ng seems like an unobtainable dream to most.

Debt free living. How to do it? As I struggle with debt myself, I have to ask mysel

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

. Is there a way out? Certainly not as easy one. If is comes right down to it, what is said most often in this case is most true.

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

If you can’t pay for it, don’t buy it. Pay more then the minimum payment each month or you’ll never pay it off. Just take a deep

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

Professional from academic institutions, pharmaceutical industries, health care indust

breath and decide you don’t want to live your life this way anymore.

Debt free living is possible, but not easy. It takes hard

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

ork and determination. It is a goal of mine and I believe should be a goal of everyone. When I send in that last payment on that

.

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

last credit card - I will have the best nights sleep EVER. And that day will come. I will experience debt free living before I am

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

Companies that provide selfless information through particip

too old to enjoy it. We all should. Debt free living should be everyone’s goal. Or at least not getting into debt to begin with

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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