Main Subject - Finance

All students should have a credit card if they have at least a part time job. You need to establish good credit before you can apply for a car loan or later a mortgage. It’s very hard to apply for a loa

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

n when you have no credit history. The trick is to use your credit card wisely and to have the proper attitude towards money so that credit works for you.

A good use for a credit card would be, it’s cl

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

Examples of combination products may in

ose to payday and you need to buy food or you need to repair your vehicle to get to work.

A poor use of a credit card is you are tired of being stuck at home because you are short on cash and want to g

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

o out for the weekend with your friends. This is what will get you into cash flow problems at the end of the month.

When you are establishing a credit history it is essential that you pay your bills ea

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

rly or at the least on time at the end of your billing period. Notice I did not say the end of the month. Look at your statement very carefully and see what your billing period is, it may very well be t

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

Combination pro

he beginning or the middle of the month. This is also the time period of when you will start to accrue interest charges. Pay your debt on time and don’t run a balance for at least 6 months.

Here is a

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

neat trick for people that have studied their billing dates and compared this to the date items where purchased. (Please note: this only works for people that are financially disciplined) (It als

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

o doesn’t work with cash advances). Your credit card billing date is June 5th and your payment is due the standard 21 days later. You wanted to use your card a couple of days before say around June 2nd

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

if you wait until June 6th the charge will appear on the next billing statement July 5th and the payment won’t be needed until July 26th. By waiting a couple of days you have extended free credit for an

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

additional 30 days. If you pay the entire amount on time it is basically a 0% percent loan and you have just used somebody else’s money for free.

One more thing about your statement and how much inter

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

st you will pay. Most students get into trouble with cash advances. The majority of credit card companies will start charging you interest from the time you acquired the cash advance and to add insult t

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

Following aspects would a

o injury it is charged until you have paid off the preceding balance plus the cash advance.

What type of card should students apply for “ only 0% introductory offers”. These terms are normally only goo

dd to the challenges in developing combination products:

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

d for 6 months and maybe up to one year. If you are late for just one payment you can kiss the low introductory offer good-bye. Read the fine print on the back of the card offer and you will see what I

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

mean. If you all ready have a visa credit card or Mastercard and you see they are offering 0% for new card holders only, you can phone them up and ask for a better rate. If your credit is good they will

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

normally lower your rate, if they don’t you can always threaten to take your business elsewhere. You can sweeten the deal if you have more than one credit card by transferring the balance to them. Whic

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

h you should always do if you have a card that has a lower interest rate! Although I have to ask if you are a student what are you doing with more than one charge card?

The term credit card surfing has

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

Professional from academic institutions, pharmaceutical industries, health care indust

been used around college campuses for a while. It sounds good and does have its benefits, BUT it can also ruin your credit history very fast with only one simple mistake. I do not recommend you

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

do it, if this is your first credit card or you have had your card for less than a year. Credit card surfing is the practice of applying for any new .

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

itCards/apr.cards.htm">low interest rate introductory credit card offer, normally 0% apr. You apply and then transfer your balance to the new card. This works if you don’t have to pay a fee for a ba

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

Companies that provide selfless information through particip

lance transfer, so you need to read the fine print very closely. Changing cards all the time will show up in your credit history and banks may look at you twice with concern if you are applying for loan

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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