Subjects - Finance

1. Make a list of all your debts, write down how much you owe and what interest you are paying. This will include things like student loans, bank

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

overdrafts, credit card loans.

2. If you are borrowing money at a high interest rate this is the first loan to try and pay off. If appropriate

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

Examples of combination products may in

you could try switching the loan from one place to another. E.g. if you are paying 17% on a credit card. You may be better off to take out a pers

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

nal loan of 7%.

3. Make sure you avoid any unnecessary penalties. If you are struggling with repayments you may be surprised at how accommodatin

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

g banks might actually be. It is important to try arranging an overdraft before you go overdrawn. Otherwise you will pay both a higher interest r

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

Combination pro

te and penalty charges.

4. One of my top tips for avoiding high credit card debts is to periodically take out a credit card, which offers 0% int

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

erest for the first 6 or 9 months. At the end of the 9-month period you can switch the balance to a new credit card. This is a way to juggle ?3-4

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

000 without paying any interest. When you buy expensive things put it on your credit card and avoid going overdrawn. I use this system to make su

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

re I never have any cash flow problems and don’t need to arrange an overdraft. Some credit card companies charge a fee of 1-2% of balance transfe

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

s. In effect this means the 9 month loan is like having a 3% interest rate, but 3% is much more reasonable than 17%

5. If you ever make a late p

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

ayment on your credit card or go overdrawn. It is very important that you immediately ring up your Credit Card Company and bank. Or if appropriat

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

Following aspects would a

e you could write them a very nice letter. Say that you are always a good payer but very unfortunately your last payment seems to have got lost i

dd to the challenges in developing combination products:

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

the post. I have done this on a couple of occasions when I forgot or it did get lost in the post. The credit card company has always agreed to r

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

epay the penalty. Also very importantly they do not hold it against your credit rating. It is very important to try and maintain a good credit ra

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

ing, if you miss a couple of payments it will become more difficult to get credit cards in the future, or you will get charged higher interest pa

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

yments.

6. If the debt seems to be getting out of control it may be worth going through your financial situation with an adviser or somebody who

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

Professional from academic institutions, pharmaceutical industries, health care indust

can offer calm advice. Often you may find the situation is not as bad as you feared, with certain changes often you can reduce the debt burden qu

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

ite considerably.

Conclusion.

The most important thing is to try and avoid missing statements and having unauthorised overdrafts. Always mainta

.

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

n the minimum payments and always try to pay off the high interest bearing accounts first. If possible try to consolidate your debts in one place

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

Companies that provide selfless information through particip

where you can get the lowest interest rates. Also it is important to consider your spending and income patterns as this is the root cause of deb

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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Subjects - Tips For Reducing Your Personal Debt Payments

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