Advice You - Finance

Having a credit card is a big responsibility, and oftentimes, this responsibility is not clear to colleg

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

e students. So before you sign up for a student credit card, reflect and determine if you can already ha

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

Examples of combination products may in

ndle such a powerful tool. Here are some questions to ask yourself before sealing the deal.

Am I ready?

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

Financial preparedness should not be your only consideration when deciding whether or not to get a stud

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 credit card. More importantly, you should be mature enough to realize the seriousness of student cred

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

Combination pro

it and how it will affect your spending patterns and future credit stability.

Ask yourself if you are r

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

eady to start building your financial records. Keep in mind that how you use your student credit card wi

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

ll be reflected in your credit reports, which you need to keep healthy so that you can be qualified for

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

igger credit lines and loans in the future. Misuse of your card can permanently tarnish your credit hist

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

ory, disallowing you from taking out mortgage loans, business loans, car loans, etc. in the future.

Wil

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

l I be able to pay the dues correctly and on time? Look at your current cash flow and assess whether you

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

Following aspects would a

have enough to repay the charges you will make on your card. Write everything down – from the money you

dd to the challenges in developing combination products:

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

make working at the library to the money your aunt sends you for Christmas – and then compute the averag

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

e amount you have on a monthly basis. Never spend more than this amount, because doing so will make it v

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

ery hard for you to make payments.

Do I understand my legal rights and responsibilities as a cardholder

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

? You need to have knowledge of at least the basic tenets of the Fair Credit Billing Act, which protects

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

Professional from academic institutions, pharmaceutical industries, health care indust

you from such catastrophes as billing errors, theft or unauthorized use of your card, among other things

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

. You need to know where and how to report such an incident, should it happen.

Remember that you are r

.

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

esponsible for your student credit card and everything that happens to it, and that failure to report lo

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

Companies that provide selfless information through particip

ss and any unscrupulous activities done against your card makes you legally liable for the ramifications

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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We're only a few fields away from coming to our conclusion of this medical billing series on the GU0 record, one of the most complex records of electronic billing. In this installment we pick up with field number 66.

April 24-30 is Administrative Professional’s Week. Wednesday, April 27th is Administrative Professional’s Day, also known as Secretary's Day. It has become a time for recognition of those assistants and/or secretaries that work with you to make your life easier!

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