Advice You - Finance

Here's more than 2 cents worth of advice for using coupons, store cards and BOGOS (buy one get ones). With these hints, you should be able to save money on most grocery trips

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

without being obsessive about it.

Using Manufacturer's Coupons

I sometimes clip coupons from the Sunday newspaper inserts, put them in my coupon wallet sorted into

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

Examples of combination products may in

he proper category and then hopefully remember to use them before they expire. This is not always possible, but that's OK, because clipping coupons, sorting them and throwing

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

away expired coupons is the kind of mindless, relaxing task that is soothing for me.

I don't like to bother with coupons that are worth much less than $1 or require you to b

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

y 2 of the product. Here are the caveats:

hint - A 35 cent coupon is OK if your store will Double or Triple the value of the coupon.

You can buy 2 of an it

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

Combination pro

em if you will really use it AND you have a place to put it. I rarely have room in the freezer for 2 gallons of ice cream.

Using Store Cards

If you are like me and m

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

st folks these days, you have a store card from at least one grocery chain. These cards get you the weekly store specials without having to clip a coupon from the store circu

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

ar in the Wednesday paper. They also put you on a relatively safe mailing list to send you even better coupons by mail. For example, I've gotten a few coupons for $10 on my n

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

xt grocery order.

hint - Many stores allow the shopper to just key in his home phone number at the checkout, avoiding the necessity of carrying a store card

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

or miniature keychain card. This is great for the guy that rarely does the shopping or forgets the card when he does.

Gotta Do This Combo Deal

Use your manufacture

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

's coupon for a product at the same time that the product is on a store card special, at the store where coupons are doubled or tripled, and the store where you can us

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

Following aspects would a

that $$-off-on-your-next-order coupon that you have been saving in your wallet.

Buying One of a BOGO

While some grocery stores require you to buy two items that are

dd to the challenges in developing combination products:

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

advertised as a BOGO, many stores will allow you to buy one item at half price, but you have to tell them at the checkout (i.e. the computer at the register will not divide t

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

he price in half so don't use the self-check.)

If you are shopping at the latter type of store where they will give you half price for one BOGO item, try these ideas:

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

g>hint - Separate your single BOGOS while shopping.

hint - Use the child's seat of the shopping cart to separate out your single BOGOS while you sh

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

p.

hint - When you get to the check out, just let the checker know where the single BOGOs have been separated, and the checker can figure what the ? price i

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

Professional from academic institutions, pharmaceutical industries, health care indust

for each of them before handling the remainder of your items.

hint - If you place stuff on the checkout conveyor belt yourself, use the conveyor separator

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

bar and divide out your single BOGOS into one section and put the other groceries in the next section. Let the checker know that the first set is single BOGOS from the same g

.

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

ocery order as in the next section. The checker should be able to work with this.

-- In summary, be careful of the tendency to buy something you don't need just because you

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

Companies that provide selfless information through particip

have a coupon or it's on sale. While this could push you to try something completely new or to try a competitive brand, you don't want a pantry full of stuff you'll never use

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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