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Credit cards are often considered to be responsible for a persons financial problems. Is it the credit card or is it you, not be

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

ing able to manage your credit card debt? If you are not careful in your dealings then there is a possibility of running up larg

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

Examples of combination products may in

e debts which would then prove difficult to clear.

There are some basic points to keep in mind when using credits cards which w

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

ll ensure that you are not faced with impossible payments and in an emergency you have the card to fall back on. First off, form

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

ulate a budget and stick to it. Try not to get tempted into splurging with your card. If that's the case, leave your cards at ho

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

Combination pro

e unless absolutely necessary. One policy to adopt is to pay more than the minimum due mentioned in your statement. That way som

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

e amount of the principal will be taken care of. In most cases, the minimum amount due only takes into account the interest accr

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

ed for that period so your outstanding remains the same. Another option would be to transfer the existing balance to a card whic

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

h has a lower rate of interest for a short period. That would save you some interest payment and help your overall budgeting. B

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

t remember that after the grace period the interest reverts to the original.

Another option would be if you have equity in your

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

home which can act as collateral and you can clear the higher interest card debt for a lower interest home equity loan. Remembe

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

Following aspects would a

r if you default you stand to lose your home. There are free credit counseling firms available to help you deal with your debts

dd to the challenges in developing combination products:

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

but the only viable solution is to make your payments on time.

Using your card wisely will save you a lot of trouble and leaves

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

you happier. A point to note would be: never forget that the credit card is a loan and it has to be paid back. Keep track of y

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

ur balance due and stop using the card till the balance is clear. Keep receipts so you have a record and can catch incorrect cha

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

rges at any time. Making payments on time keeps your payment history healthy and the company will, if you were to ever want it,

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

Professional from academic institutions, pharmaceutical industries, health care indust

sanction a loan just on the basis of your history.

Last but not least, avoid taking your card to places where you know there is

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

a likelihood of you overspending. Cash spending can be kept in check by sheer virtue of the fact that when you run out of it, n

.

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

-ones going to be selling you anything, anymore. But a card has infinite possibilities and herein lies the debt trap. Be carefu

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

Companies that provide selfless information through particip

l or you will find you have bitten off more than you can chew and getting out of this debt trap will be difficult and exhausting

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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In the SBIR/STTR world, the single most important decision you need to make is whether you are going to bid a job as Firm Fixed Price (FFP) or as Cost plus Fixed Fee (CPFF). These are two very different contract types and the decision to use one contract type over the other is very important to the overall success of a program. If your sponsor gives you a choice on the matter, the decision to go with one contract type over the other should be well thought out prior to submitting your proposal.

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