Advice You - Finance

Spend some time surfing online or read the newspapers and you will find there are similarities between the two. What's that you may ask? The answer is, cred

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

it card offers are all over. Almost everywhere you look contains an offer and even if you aren't looking, when you get up in the morning and read your post,

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

Examples of combination products may in

you'll invariably find these offers in your mail, with a very personalized message to you. They'll offer you all sorts of things, from great "savings" to lo

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

annual charges. In return all you have to do is open a credit card in your name. Seems good, doesn't it?

Well, remember, "There is no such thing as a free

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

lunch" and "Buy in haste, repent at leisure". The trouble is, and also the reality, is that when you are running low on free cash, an offer of an instant cr

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

Combination pro

dit line of several thousand dollars seems like a gift from the gods. At least, it does at first glance, but remember they are offering you this for a reaso

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

n. They aren't doing it for your health or pocket, they are benefiting from it. The offers on display are 'tempters' to enter into their credit trap. Indeed

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

it is so cleverly designed, that sometimes you feel like they are doing you a favour. Of course, deep down you know this isn't true. Don't you?

Before you

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

jump in at the deep end, be sure to rationally consider a few aspects so that you have made an informed and wise decision. Such as: -

* Do you need more cr

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

dit? Credit cards will not fix money problems. They can be a temporary band-aid in a money crunch, but they cannot provide any financial benefit long term

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

* Did you read the entire offer? Sometime credit card offers will suggest that you are pre-approved and all you need to do is sign the application and th

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

Following aspects would a

e card will be in the mail. This is true however, if you are not approved for a standard card, they can approve you for a secured card, which requires a ca

dd to the challenges in developing combination products:

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

h deposit on your part.

* What is the interest rate after the initial introductory period has passed? Although many companies offer a zero percent interes

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

rate with a new account, that amount can increase substantially after just a few months. If you have a balance owing once the initial period has passed, y

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

u'll be paying substantially in interest charges.

Now there are some good things about having a credit card. One of which is that credit is necessary to bu

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

ld a solid financial standing. That said, you would be wise to be careful about what debts you are amassing and which companies you choose to have those deb

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

Professional from academic institutions, pharmaceutical industries, health care indust

ts with, if any. Debt is a bad thing unless it's used to acquire assets that work for you. Don't confuse liabilities with assets. Items such as a new car ar

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

n't an asset, they are a money pit. Remember, it's you that will be paying the interest bill for the next 'x' number of years, not them.

Also, don't think

.

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

f credit cards as if you aren't really spending, as you would with hard cash. You are. Not only that, you are spending and having to pay interest. For that

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

Companies that provide selfless information through particip

eason, keep the number of credit cards you have down to a minimum and try to pay the balance off in full each month, if possible.

Happy credit card hunting

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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