Actual - Finance

Credit card debt is a pile of crap. It stinks. It’s not pretty to look at. Go ahead and flush it already. You

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

know you want to. You’re tired of seeing the stupid commercials about how people’s lives are suddenly changed for

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

Examples of combination products may in

the better – once they’ve got their fancy new credit card with a picture of some fluffy puppy on it. According t

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

o the T.V., credit cards are capable of defeating hordes of armed barbarians and have something to do with genuine

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

ly wonderful and funny moments in our lives. They don’t. So cut up your cards. What are you waiting for? Need

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

Combination pro

more? Ok.

Do you know how much profit is made by the credit card companies? Around 30 billion dollars a year an

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 growing, in the U.S. alone. The credit card industry is the most profitable in the U.S. The top credit card co

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

mpanies make more money than the likes of McDonald’s, Microsoft and WalMart. How? Penalties and interest rates,

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

in that order, and if you’ve got a credit card with a balance, you’re paying them. Let’s put into perspective how

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

much money 30 billion dollars is…it’s enough money to hand every man, woman and child in the U.S. a hundred dolla

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

r bill.

If you carry a balance, pay the minimum payment, and occasionally make a late payment (which is becoming

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

Following aspects would a

easier due to the sleaze-ball tactics of most credit card lenders) – you can easily be in a situation where you wi

dd to the challenges in developing combination products:

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

ll never pay off the balance. For every thousand dollar balance maintained this way, 20 percent means you’re payi

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

ng the entire amount of your balance to the card company every 5 years. Even without late fees, exceeding a 20 pe

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

rcent interest rate on your credit card debt is easy. With the late fees ($29+ for missing your payment or exceed

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

ing your maximum), the money you can pay out then progresses into loan shark territory. Do you want to line their

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

Professional from academic institutions, pharmaceutical industries, health care indust

pockets or yours with cash?

Are you ready to flush your credit card debt now? Go ahead and cut your cards up an

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

d flush’em, burn’em or whatever suits your fancy. But wait till you pay them off before you call the credit card

.

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

company and cancel them officially and don’t tell them what you’re planning either…they may raise the interest rat

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

Companies that provide selfless information through particip

e on you. Why? To squeeze every last drop of blood they can from you before you slip away from their slimy grasp.

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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