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Learn how to have Your MONEY work for you, don’t work for your money… Because you can be DEBT FREE! Here are the secrets:

1.

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

Don’t buy food at convenience stores; Save 20-30%, they overcharge you for convenience… plan ahead!

2. Avoid impulse items which ar

; 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 placed at check out counters.

3. Buy when items are on sale.

4. Buy non brand names.

5. Plan your meals in advance.

6. Put toge

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

ther a list of items needed and don’t waste fuel going to the store for 1 or 2 items.

7. Don’t eat out! Make everything from scratc

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

h, like grandma did! It taste better and it will cost less.

8. Only buy what is on your shopping list.

9. Don’t bring your kids or

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

Combination pro

go to the store when you are hungry or you will buy things you don’t need.

10. Buy whole chickens and cut it up yourself.

11. Buy

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

drinks in larger bottles; you will save 2 to 3 cents per ounce. For carbonated drinks secure the cap and shake the bottle after each

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

use to stay fresh.

12. Bag your lunch.

13. Use coupons. But don’t travel too far; gas may cost you more.

14. Watch the cash regi

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

ster scanners for errors, especially on sale items.

15. Buy larger sized/quantity items.

16. Shop at discount stores.

17. Don’t bu

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

y coffee/smoothies or any expensive drinks out. Make it at home.

18. Don’t buy dry cleanable clothes.

19. Buy mix and match clothe

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

s.

20. Buy at yard sales, especially children clothes. Remember the price is negotiable.

21. Buy at consignment/thrift stores.

22

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

Following aspects would a

. Buy at outlet centers.

23. Ask the clerk when the next sale will be and if you can place the item on hold till that sale.

24. Get

dd to the challenges in developing combination products:

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

on the mailing list for sales.

25. Don’t wear new cloths when you are hanging around the house or doing any dirty work.

26. Buy en

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

d of the season specials.

27. Sell larger expensive items in a classified ad.

28. Sell smaller inexpensive items in a garage sale.

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

29. Journalize your spending. If using your visa, mark it as a visa item in your check book. It is a good way to reconcile to you

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

r visa bill and it is deducted from your check book.

30. No impulse buying.

31. Don’t buy because you think you deserve it. (You d

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

Professional from academic institutions, pharmaceutical industries, health care indust

on’t deserve things, unless you want to pay for that thing for 5 years or possibly go bankrupt because of those things you deserve).

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

Grow up!

32. Realize you have a credit card addiction problem: if you can only pay off the minimum balance each month or you don’t

.

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

pay timely.

33. Don’t be tempted… Don’t go shopping when you are bored only buy what you need, not what you want or deserve.

Thanks

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

Companies that provide selfless information through particip

for reading and learning.

Richard Bonomo

The Florida Home Loan Advisor

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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