Advice You - Finance

Getting a student credit card is not hard to do. The problem comes in how it is used. Your student should not be carrying large sums of cash each month to get through

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

the month. It could easily be lost or stolen. I had a friend that was considered a genius. While we were at school he couldn't remember from one day to the next what

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

Examples of combination products may in

he had done the previous day, or where he put anything, including his money. Another friend constantly ran out of money by the middle of the month and was either borro

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

wing form other students or on the phone crying to his father about needing more. Not to say I was a saint, but that is another story.

A student credit card may be th

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

first line of credit your child has. It will depend on the child if they understand the responsibilities of having one. Student credit cards can come with a monthly l

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

Combination pro

imit or with no limit at all except for the bank limit. You have a choice in that matter, because usually the student will need a co-signer for that card.

In a credit

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

based family a child may have signature loans by the time they are twelve. My uncle was one of those people. They used a well known institution for signature loans an

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

d he would take out six month to one year loans for music equipment that he was easily able to pay back in half the time. By the time he was sixteen his credit rating

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

oared and to this day he has no problems with getting what he wants when he wants it.

Most of us are not that lucky however, and some students just are not driven by

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

desire. A student credit card should not be a gift and should not be considered a gift by the parents. The students themselves should be mentally-aware of how to handl

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

e finances. If your child is one of those that still has a quarter when you give them the second one a week later, then chances are they can handle a credit card. If i

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

Following aspects would a

t was lost or spent, you may need to start worrying.

For the sake of the article we will assume that, while yet unproven, there is no indication that your student wil

dd to the challenges in developing combination products:

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

use the credit card for junk. First sit down with the student and decide what the credit card will be used for. Keep in mind that a cola and pizza a day adds up to ov

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

er $4475 plus tips, in credit over a year! The sum does not take into consideration other meals and snacks. A single candy bar at a school could easily add up to $365

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

dollars in credit over a year, if they only ate one a day. Try to remember your eating habits when you were a student.

Dormitory, apartment rent, books and tuition sh

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

ould be paid by check. If there is a car involved it should also be paid for by check, unless you and your student are familiar with online banking and the great benef

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

Professional from academic institutions, pharmaceutical industries, health care indust

ts a good system offers.

If you are giving support to your student you can setup an auto withdrawal from your bank account each month to payoff the student credit car

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

d payments. The credit card can be great for just about anything but it, just like everything else, needs to be in moderation, and I mean moderation within your budget

.

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

, not necessarily the students budget.

After you have decided on what the credit card will be used for go online and start searching. Make sure you pay attention to

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

Companies that provide selfless information through particip

the all of the details of the card, and all of its terms and conditions. Above all, make sure there is an automatic bill payment feature so the card is never paid late

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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