Advice You - Finance

If you had to choose the greatest enemy of your financial security, where would you look? In the lineup, as you look them over, who would you choose? There are so many th

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

at qualify. Banks, credit card companies, persuasive advertisers, finance companies, and identity thieves, would all be in the running.

Banks because, while you are thei

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

Examples of combination products may in

r customer, they do not have your best interests at heart. They hit you with all sorts of fees and charges for services which used to be provided free. They constantly bo

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

mbard you with offers to go further into debt. Car loans, home equity loans and other lines of credit are pitched in every statement you receive. But, they are not your 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

orst financial enemy.

Credit card companies love to add charges for many different errors on your part (and sometimes theirs). Late fees, over-limit fees, yearly fees, a

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

Combination pro

nd returned check fees are just a few. They hike your interest rate if you looked cross-eyed on a Tuesday, or miss a payment (not just with them, but any creditor). Still

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

, they are not your greatest financial enemy.

Persuasive advertisers love to get you to buy, buy, and buy. They have you pegged as far as your habits. They know your wan

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

s and desires. They have so much information on you, the fight isn’t even fair. Their ads make you feel good and pull all the triggers. Yet, they are not your greatest fi

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

nancial enemy.

Finance companies who charge rates that reach to the moon do you no favors when you walk in the door. Sometimes you don’t even need to walk in the door. T

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

hey send you a check you can deposit in your account and thus take out a loan with them with out ever seeing them. They turn easy money into easy debt; easy until it come

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

s time to pay the bill. Even here you will not find your greatest financial enemy.

How about identity thieves? They pilfer your financial information, and run wild with

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

Following aspects would a

the account they set up. They rummage through your trash, set up scams, and flat out steal your info. They definitely qualify as real lowlifes. Never the less they aren’t

dd to the challenges in developing combination products:

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

your greatest financial enemy either.

So how do you find your greatest financial enemy? You go look in the mirror. This is the person you really need to watch. This is

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

who gives into all of the credit offers in the mailbox. This person watches the television and reads the magazines; then responds to the ads that are displayed. It is thi

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

same person who is careless with their financial information or falls for the scams.

This is the man or woman who spends more that they make. This person refuses to sav

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

e any money. It is this person who doesn’t invest for the future. This is also the person who doesn’t educate themselves in matters of money. This is your greatest financ

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

Professional from academic institutions, pharmaceutical industries, health care indust

ial enemy.

It is this person who ruins all your dreams. It is also this person over who you have the most control. Do not look anywhere else for the cause of your financ

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

ial problems. You are in charge and you are accountable.

You need to take the time to investigate all matters financial. You need to educate yourself concerning money, c

.

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

redit, debt and its uses. You are the one who needs to curb your spending. You are the one who needs to establish a plan for your savings and in turn your future. Your gr

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

Companies that provide selfless information through particip

eatest enemy is in the mirror, and so is your greatest help and friend. Depending on who or what you see determines what you need to change or what you need to keep doing

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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Advice You - Your Financial Security's Greatest Enemy

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