Main Subject - Finance

Last year credit card companies earned more than $14 billion dollars from interest. That's interest that people like you and I are paying w

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

hen we carry a balance from month to month on our credit cards. What are the most common reasons that people get into credit card debt? I w

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

Examples of combination products may in

ill share the three most common reasons with you below:

Divorce -- this is a difficult one for people to avoid, b

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

ut it makes sense. Typically what happens is that a couple is living a life that they can afford based on their income(s). However, when 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

e divorce happens, you suddenly (in most cases) need two houses. That means two mortgages/rents where there was previously one. And one per

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

Combination pro

son is probably keeping the residence the couple had when they were together. That person has the full rent/mortgage to pay and now the oth

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

er person has to pay for their new place. It's also very likely that the income is the same for both people. Thus your expenses have increa

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

sed but your income has remained the same, so you end up in debt.

Medical Expenses -- it is becoming increasingly

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

common for Americans to not have health insurance. And in many cases this is simply unavoidable. Jobs that used to provide insurance no lon

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

ger do. Other jobs that still offer insurance may not offer their employees enough hours to qualify for the insurance. The net result of th

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

is is that individuals are on the hook for their medical expenses. When something goes wrong, individuals have to pay for it. Most f the ti

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

Following aspects would a

me, the only way to pay these expenses is with credit cards. The medical expense itself may be expensive enough. But the double digit inter

dd to the challenges in developing combination products:

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

est rate that accrues against the debt is that much more painful -- especially when the medical situation prevents one from working.

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

i>Living beyond your means -- the third reason is the most preventable, but the one reason that people just don't like to

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

talk about. Many people who are in debt are in that position because they live beyond their means. In an effort to keep up with the Joneses

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

or just because we're susceptible to the 3,000 plus marketing messages that we're hit with each day, Americans spend... and spend... and s

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

Professional from academic institutions, pharmaceutical industries, health care indust

pend... whether we can afford it or not. If this is why you are in debt, you have to stop. You must learn to limit your spending and to liv

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

e within your means. If you don't, you will never get out of the debt hole.Some reasons for incurring debt are unavoidable (divor

.

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

ce, medical expenses), while others are fully within our control (deciding to live within our means). It's difficult to accept that we are

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

Companies that provide selfless information through particip

often the very reason for our debt, but to get out of debt and regain control of our financial freedom, we have to come to terms with this.

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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