Actual - Finance

I remember fondly my college days. But I'm not so fond of the credit card debt that followed me for many

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

years.

I wasn't in college for a month when I received that first credit card. I immediately went shop

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

Examples of combination products may in

ing for the things my parents couldn't afford -- name brand clothing, new and expensive shoes and to dec

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

orate my dorm room.

Years after receiving my degree I was still paying for those credit cards. If only

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

knew then what I know now.

If you have $3,000 worth of expenses on your credit card -- from nights out

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

Combination pro

at the bar or pizza in -- it will take you approximately 36 months to pay off the balance at $100 a mon

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

h at 10% interest. Since no one ever gets a credit card rate under 10%, unless they are very lucky, you

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

can expect to pay for your credit a lot longer.

Chances are that you won't have anything you bought on

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

hat card after three, four or five years.

The key is to never take out a credit card in the first place

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

unless you know that you can resist using except for emergencies. It can be very tempting to use your c

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

rd just once -- a thousand times. If you can't pay off the balance with every statement, you are chargin

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

Following aspects would a

g too much. And you will pay a lot in interest.

For the same convenience of credit card without the ris

dd to the challenges in developing combination products:

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

of interest, you can take out a debit card that gives you instant access to your money. You can only sp

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

end as much as is in your checking account.

Find ways to save money on things. Look for coupons. Don't

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

uy your own alcohol. Go to matinees for movies. Buy used text books. Shop around for the best cell phone

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

deal. Carpool for spring break or vacation close to home. Many college students come back from spring b

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

Professional from academic institutions, pharmaceutical industries, health care indust

eak with $1,500 worth of debt. If you work earning $10 an hour full-time, it will take you a month and a

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

half to earn enough money to cover your spring break. However, it will take you over a year to pay off

.

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

he debt if you charge it.

You have to think about your future right now. You don't want to get out in t

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

Companies that provide selfless information through particip

he real world and find that your debt is costing you that nice apartment, new car or professional attire

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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