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Fear of embarrassment and failure. Most Filipinos fear of being embarrassed with anyone who knows about the decision if it’s a bad one. They think they will be the talk of the town and will be the topic at any

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

gatherings and will keep reminding of that bad attempt. Bad decisions are bad decisions. Because many Filipinos are afraid to make bad decisions, they put off making any decision at all. They want to remain in their comfort zone that kept them safe and sound f

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

Examples of combination products may in

or a long time. I suggest you do the following:

Get the facts. Make sure that the company is nationally recognised and endorsed by the Government.
Google them. Make sure you have all the details of the Developer or Company and do your

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

own checks by calling them using the details taken from the internet. Check their website.

Check past performances. Ask for their Annual Reports which will tell you how well they perform in the past.

2. Fear generated

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

by others. A person can easily be discouraged by someone’s negative comment about the investment, about the company, its service or even about the representative of a company.

Have the property you wanted to buy personal

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

Combination pro

ly checked and visited by your trusted family members or relatives. Ask them to bring camera or video to send you of the actual footage of the property. Don't rely too much on a colourful flyers which has been taken by a professional photographers but doesn't

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

give you of the "actual" picture of the house.

Ask the neighbourhood. Feedback from people actually living there is valuable. Ask things related to security, community, amenities, service etc.

Compare prices. Check the actual value of

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

the property being sold online and off. There are online classified ads that produce real-time prices of all properties being sold in the Philippines. Check http://www.buyandsellph.com/

Check

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

blogs. This is an online conversation of all topics. If you want to know what people are talking about a property or a company. I found this site very helpful http://skyscrapercity.com.

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

>3. Fear of repeating past mistakes made. After a bad experience of lies and false hopes, many are not happy to believe again for the fear of repeating the same mistakes. You can do these:

Ask the company to give you names of their sat

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

sfied customers. Call them.

Check everything. From the amount of investment, terms and conditions, size of the property, location, insurance coverage

Ask for the Contract to Sell notarized by a qualified lawyer.

4. Fear of unkn

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

Following aspects would a

own. A lack of understanding of a product or service and its value will be the main reason why people hesitate to invest. Do these:

Check the property by you or by your trusted family members and relatives.
Understand the property de

dd to the challenges in developing combination products:

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

tails by reading everything including the small prints.

Ask, ask, ask! Knowledge is power.

5. Fear of being lied to. Property cost millions of Pesos investment and the last thing a prospective investor or buyer want is to be l

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

ied to about the investment. My suggestions are these:

Ask for business identification and affiliation.
Ask for a receipt or acknowledgement every time the payment is made
Call the Head Office if the money you sent has been received and

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

recorded. 6. Fear of owing money. Many first-time buyers of properties don’t have any idea how to manage properties. They don’t know if they can live within the budget and if they can pay their monthly investment for the

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

rest of the term usually 10 years. They keep asking what if…’what if I can’t repay’…what if I’m not alive anymore’…what if I lost my job. The best remedies are:

Check how much you can afford and stick

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

Professional from academic institutions, pharmaceutical industries, health care indust

with it.

Give up something which is not really necessary

Property is not for the faint-hearted. It requires guts and inner-strength. Carefully examine the value of the property and see if it meets your long-term goal. If it is the one you wan

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

ed for a long time, you have to sacrifice a bit. Many great ideas have been lost because the people who had them could not stand being laughed at. Property gives a high sense of pride and achievement. Many Filipinos working abroad don’t invest on propert

.

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

ies for many reasons. Their lives are stuck in a rut and just going round the bushes. They never see that property investment will bring them more money Don’t listen too much for negative people. After all the exhaustive checks you have done and you are

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

Companies that provide selfless information through particip

convinced about its value to you, give it a go! Don’t listen to negative people, most of these people are losers and would be glad for you to join in. Surround yourself with positive people and take risk when you know that the profit is huge. Be a winner

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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Get yourself away from those heavy monthly commitments and high interest credit card debts. By consolidating debt into one easy loan payment you may even be able to take that long awaited holiday.

Identity theft is technically defined by the United States Government as being the fraudulent use of an individual's personal information-such as Social Security number or date of birth-to commit financial fraud.

Though you may believe that homeownership only affects those loans that carry collateral, truth is that being a home owner will bring more benefits to you than you can imagine not only on secured loans but also on unsecured loans of any type.

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