Actual - Real Estate

In my family the topic of the housing market crash gets daily attention. It all really started when I read Sell Now!: The End of the Housing Bubble by John R Talbott last September. We ha

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 lived in our house for 8 years and had become quite comfortable. We lived in one of the big US cities where the real estate market run up had been most pronounced. As a result, we felt

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

Examples of combination products may in

ery lucky. This was influencing our purchasing decisions as the equity in our house was making us feel wealthier than we had before the run up in prices.

That all changed the day I read

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

Sell Now! and started to think of the housing market crash possibilities. Up to this point, the idea of prices falling a little bit had crossed our minds. But in most social circles, the

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

onsensus was that things would flatten out, but not drop. Dr Talbott changed that viewpoint for us by systematically refuting the arguments that could possibly explain the extreme run up

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

Combination pro

n prices we'd seen. Additionally, he outlined very credible data from Japan showing that a very similar phenomenon had happened 15 years ago.

The graphs were startling. They literally to

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

ok the breath out of me. When you looked at the raw data, it didn't look so bad. Just as the cocktail party conversations had suggested, the prices seemed to flatten out after previous ru

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

ups. However, the graphs showing real prices after adjusting for inflation were really bad. They looked like a bell curve. A steep UP and then a steep DOWN. And the implication was that

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

e were sitting at the very top of the biggest curve in the last 100 years right then, in the 3rd quarter of 2006, poised for a dramatic ride down. Not good.

Dr Talbott brought me two new

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

perspectives that we hadn't had previously.

1) He helped me see the equity in our house as possibly more risky than the investments we had in the stock market. This viewpoint was genera

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

ly contrary to the traditional view that building equity in your house was the safest possible way to grow a nest egg for retirement.

2) He opened our eyes to the possibility of renting

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

Following aspects would a

house rather than owning. This was something so remote in our minds that it was never even considered. However, upon a few weeks of data collection (looking at rentals online and in pers

dd to the challenges in developing combination products:

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

on) we came to the conclusion that we could get a BETTER house by renting for the same money, while reducing any risk as the equity would be out of our house and in the bank. What a stran

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

e situation.

Based on all of the above, we cleaned the house, got a Realtor and put up the sign. We sold our house in December, 2006 after 4 weeks of open houses.

So is the housing mark

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

t crash really here now? Did we make the right move? It seems there is data to suggest that it's actually starting. It began with permits falling. Permits for new construction are often s

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

een as a leading indicator of future sales. Then the number of properties changing hands started to fall in late 2006. Prices have stayed relatively stable, which is somewhat surprising.

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

Professional from academic institutions, pharmaceutical industries, health care indust

owever, there is wide speculation that people can't change prices that easily given how leveraged many people are.

In the last few weeks it's really started to hit the fan. We've seen so

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

e incredible press on the problems in the subprime lending markets. These are mortgages and other lending instruments that were granted to people with higher risk profiles. No surprise th

.

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

ese are the first to default. My worry is that, like permits, this is another leading indicator of what's to come. My bigger worry: Dr Talbott is being proved correct.

For our family, th

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

Companies that provide selfless information through particip

housing market crash is a happy ending. However, we are not too happy as we know it has the potential to hurt many people we care about as well as do serious harm to the economy at large

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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