Advice You - Finance

In olden times, you only needed air, food and water to survive. Unfortunately, nowadays, that equation has changed. With the proliferation of motor vehicle

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

s and the continuous exodus of people towards the city, gasoline can now be considered as a major necessity – as vital to or even more vital than the basic

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

Examples of combination products may in

elements earlier mentioned.

Due to the fluctuating prices of crude oil, the cost of gasoline continues to soar. Since gasoline is needed to power almost a

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

ll kinds of motor equipment, most especially vehicles which transport people from one place to another, the consumer has no other option but to bear the br

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

nt of gasoline prices. Since prices are on the rise and gasoline consumption cannot be foregone, many people opt to pay for gasoline expenses using credit,

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

Combination pro

and leave the cash for more pressing needs. If one can check the breakdown of every credit card bill, it wouldn’t be surprising to find out that a big chu

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

k of the bill covers gasoline expenses.

Realizing the trend of consumers to put gasoline purchases on credit, and aware of the stiff competition amongst t

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

hemselves, credit card companies have launched a different kind of credit card and termed these cards as gas cards (gasoline credit cards). Gas cards are s

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

ill your basic credit cards, however, unlike other cards, most gas cards come with a concomitant rewards program wherein for every dollar spent using these

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

cards, whether on gasoline purchases or other items such as food or clothing, the cardholder gets something back.

Rebates, or a return on a percentage of

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

your total purchase, are the most common reward offered by gas cards. The rebates given are usually larger on gas purchases (normally 3 – 6%) and slightly

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

Following aspects would a

maller rebates on non-gasoline purchases (i.e. groceries, clothing, etc). In some instances, you may have to make a minimum purchase (ranges from $10 to $2

dd to the challenges in developing combination products:

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

0.00) before you are entitled to earn rewards points or rebates. Incidentally, the rebates are usually reflected as a credit memo on your statement, you do

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

’t receive actual money.

Most gas credit cards are affiliated with Mastercard and Visa. In addition to these, they also work together with other establish

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

ments such as groceries, hardware, clothing stores so that you could earn rebate or rewards points with your every purchase. To entice new patrons to sub

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

cribe or avail of gasoline credit cards, most card companies offer tempting incentives such as a free fill up upon approval or they would waive your annual

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

Professional from academic institutions, pharmaceutical industries, health care indust

fee for the first year.

Gas cards may seem frivolous, especially to one who already has a number of credit cards in his wallet, but to those who can only

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

afford to carry one credit card, this kind of service is a god send and can be considered very convenient. The satisfaction felt by cardholders stems not j

.

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

ust from being able to earn a rebate, or getting a freebie when applications are approved. Their satisfaction comes from knowing that there is a card compa

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

Companies that provide selfless information through particip

y that is aware of the pricing cost of commodities, and has gone out of their way to develop a product that would give consumers more value for their money

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 - Buy Gas and Get a Bonus

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