Advice You - Finance

People do not pay enough attention to their credit cards. They think that loosing a credit card is just a nuisance unt

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

il they obtain a new copy from the bank.

People need to learn to be careful using credit cards; not only to keep them

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

Examples of combination products may in

in safe places but also not writing down their Personal Identification Number (PIN), a common mistake people make now

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

adays. This way, taking advantage of ATM cards and debit cards is easier for those who do this for a living.

Here, w

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

present some tips in order to avoid these kinds of situations.

Credit Cards, ATM and debit cards
- Be extra car

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

Combination pro

eful about giving your account number on the phone. You have to be very sure of whom you are giving it to. Be certain

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

it is a prestigious financial company.
- Never expose you account number through the mail. Do not disclose it o

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

n the front of any postcard, envelope or any kind of mail.
- Draw lines in the blank spaces on checks and debit s

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

ips in order to avoid any tampering with the amount of money.
- Do not ever sign a blank check.
- Always d

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

estroy any unnecessary copies.
- Try to save all your receipts in order to compare them to your statements.

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

- Cut all of the old credit cards through the account number; this way it can not be used again.
- In order to kn

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

Following aspects would a

ow if your account presents any errors, you should compare your receipts periodically with the account statements on a

dd to the challenges in developing combination products:

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

regular basis. This way, you will be able to report the errors about your credit report and report them to get them fi

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

x as soon as possible.

ATM and debit cards
- Always remember your PIN number, do not carry it written

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

down on a paper.
- Be very carefully with any card transactions before entering the PIN number because after givi

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

ng it, there is nothing anyone can do.
- Be very careful with the online transactions because sometimes the spy-w

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

Professional from academic institutions, pharmaceutical industries, health care indust

re can steal your personal credit card information. (In order to know more about this topic, check your local bank for

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

more information).

Any bank or financial company will never ask you to give them your PIN number because it is 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

he only way to control access into the account. The PIN number also controls the transactions that any client does, a

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

Companies that provide selfless information through particip

nd this is the only way to make sure that nobody else but the client is touching and using each account or credit card

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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