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Are you short of cash and just need a little to get by? Thinking about using the cash advance option of your credit car

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

d? Are you sure, have you read how that works? Let me tell you my story of the time I did that and some ideas to avoid

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

Examples of combination products may in

his credit card trap.

Normally we buy something on a credit card and if our balance started the month at zero we have

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

grace period. Meaning we do not pay interest until our statement due date. Which can be anywhere from 31 days to 7 day

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

depending on where in the month we’re at. I needed a couple of hundred dollars and I did not have it. I had my paychec

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

Combination pro

k coming in another 10 days but did not want to wait for it.

I got the cash advance of $900, bought whatever it was. N

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

te: it is always a bad sign if someone takes out a loan to buy something but cannot even remember what it was. It means

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

it was not an important purchase. In a month my statement arrived and I took a quick look at it. Something seemed very

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

rong, as I owed a bunch of extra money.

I was all upset that the credit card company could make such a mistake. They c

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

harged me interest from the day I borrowed the money. At the time it was 22%, my inability to wait the two weeks cost m

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

about $30 in interest alone. Some of you might be thinking that $30 isn’t that big of a deal. If that thought entered

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

Following aspects would a

our head, take it as a warning sign that you still haven’t grasped the concept of what money is worth. That extra $30 w

dd to the challenges in developing combination products:

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

re after tax dollars. This means when you take into consideration all the deductions that are taken from my paycheck I

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

was out more likely around $60.

Learning lessons the hard way makes them much easier to remember later. Hopefully you

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

ill learn from mine, read how your credit cards work. Most credit cards are set up to make you pay a lot more than your

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

original purchase. Between fees for service, late fees and interest charges it can take most of your paycheck.

What ca

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

Professional from academic institutions, pharmaceutical industries, health care indust

you do instead of using the cash advance? The most famous and practical thing is to have an emergency fund. This is ab

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

out three months of salary in an easily accessible form, like a line of credit on your house, and it is only used for e

.

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

ergency items .The easiest is do not spend the money. Learn how to go without it until you’ve saved up enough money to

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

Companies that provide selfless information through particip

go and get it. Go read and understand how your credit card works today it will save you money. Be smart to be wealthy

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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