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Main Subject - How Credit Card Deals Have Changed How We Borrow Money
As a young budding musician I remember wanting to borrow ?500 to buy what was at the time the latest in computer music technology. I h
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
ad a credit card but the interest on this was so high that I went to my local bank, filled in the forms and about 2 weeks later was to
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
ld the loan had gone through and the money would be in my account 3 days later. Well how things have changed.
If used carefully credi
If used carefully credi
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
t cards can now be the cheapest and the easiest way to borrow money. Of course I am not encouraging anyone to get into debt but if you
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
have a planned purchase for what you may need to borrow money for, credit cards can now be considered as a cheaper option.
This is b
This is b
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
cause many credit cards now offer zero interest for an agreed time after you take out their new card and transfer your balances off an
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
other card to them. So what I have done is bought a purchase on an existing card, then before it accrued any interest have this bill p
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
aid off by the new card at zero interest. Then as the interest free period closes I would transfer that balance to another card offeri
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
ng zero or low interest also. By continuously changing cards you can reduce you interest considerably. The other benefit I have found
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
is that I can control how much per month I pay back. If I was to receive a bonus from work I could pay more off my card, again reducin
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
any interest that may be payable.
There is a downside of course and that is you. If you are not disciplined in moving sums around or
There is a downside of course and that is you. If you are not disciplined in moving sums around or
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
paying off balances when you have a chance there will come a time when the true interest rate is applied to you card and of course yo
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
u could pay more than a traditional bank loan. I programme these dates into my computer and near the time a reminder appears and off I
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
go.
I bought my last car using a credit card and then kept changing the cards as time went on to keep the interest rate as low as po
I bought my last car using a credit card and then kept changing the cards as time went on to keep the interest rate as low as po
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
ssible and apparently I got purchase protection too. My friends and family though I was stupid but the garage owner where I bought the
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
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
car said it was now a “common thing”, so I am not alone.
There is something else you need to be aware of. Some credit card deals, ev
There is something else you need to be aware of. Some credit card deals, ev
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
n though they advertise zero interest still could charge you an administration charge for transferring your debt across to them. So ma
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ke sure you read all the small print and be fully aware that zero interest means zero charge or not!
Some say that credit cards make
Some say that credit cards make
.
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
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
it too easy to borrow money and these special credit card deals just encourages more debt. I believe this could be a good argument for
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
some, but for me personally I have been able to save quite a bit if cash just by being clever about how I borrow for planned purchase
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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