Wiki Articles - Finance

Perhaps you are one of many American's today who struggles with owing more on your credit cards than you care to speak about.

Let me begin with a few basic questions:

Do your finance charges exceed the minimum payment du

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

Do you find yourself charging more each month on your credit card that what you paid towards your last statement?

Does your debt cause you to lose sleep or heighten your anxiety?

If you answered yes to a

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

Examples of combination products may in

y of the above questions, I may be able to assist you in a very effective way to reduce your debt and lead you to a path of financial freedom.

First of all, you will need to take a good hard look at your spending habits and ask yourself i

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

there are any areas that are excessive and unnecessary. The change can only begin with you. If you are ready to commit to a complete financial overhaul, you will need to embrace change. While change may be especially painful when it is

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

onnected to the pocketbook, it is the only way to break free of the endless cycle of accumulative debt.

Now, let’s begin our journey.

Make a list of all your credit card debt. Write down how much you owe and the interest rate for

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

Combination pro

each credit card.

Whenever possible, consolidate. Be on the lookout for any promotions offered by your credit card company. If you have a good credit rating, you may receive offers to transfer your debt from one credit card to 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

other for an interest rate as low as 0% for a period of time. Regardless, seek an interest rate that is less than what you are currently paying to avoid excessive finance charges. Be aware of hidden fees. Sometimes you can find an offer

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 transfer balances without a transfer fee.

Create a payment plan. Now that you have decided to radically change your spending habits, how much of your monthly income can you apply towards reducing your credit card debt? Be hone

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

t with yourself. It is important to assess your payment plan without setting yourself up for failure. If you find you are unable to make a reasonable payment amount to significantly reduce your debt, you may want to begin seeking alterna

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

tive ways of creating a cash flow and begin applying that income towards your debt reduction. There are a lot of ways you can make a P/T income at your fingertips if you set your mind to it.

Create a progress chart. I cannot emph

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

size enough how important it is to write your payment plan on paper. I found the Columnar Pads to be very helpful in my organization and charting process. These can be purchased at any office supply store. Simply list your credit cards

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

Following aspects would a

n order of the least balance due to the greatest balance due. Determine the amount of each payment to be applied to each credit card and document in each column. A payment should be made to each card on a monthly basis, with payments bei

dd to the challenges in developing combination products:

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

g applied from each paycheck received. This will keep you on a strict budget and on track on a weekly basis.

NOTE: You will want to apply your largest payment to the credit card with the least amount of debt owed. All other credit c

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

ards should receive the minimum payment due until this first credit card is paid off. Once you have paid off the first card, proceed to the next credit card with the least amount of credit card debt. Continue with this process until all

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

redit cards are completely paid off.

Reward yourself! The psychology behind this is simple! Once you have paid a credit card down, by all means celebrate! However, simplicity is the key. There is no need to throw a huge par

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

y and spend a ton of money. Life offers many simple pleasures. Choose whatever luxury or simple indulgence will aid in motivating you towards you goal.

This financial plan was personally created when my husband and I found ourselves in

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

Professional from academic institutions, pharmaceutical industries, health care indust

heap of debt when the stock market spiraled in 2001/2002. We were forced to sell our way out of approximately 3 years of annual income in the stock market in less than a year and we used our credit cards to shore up our stocks in attempt

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

to avoid selling more stocks. Huge mistake! To our despair, we owed 50% of our annual income to our credit card debt. You can only imagine the emotional and financial turmoil we faced on a daily basis.

Always up for a challenge, I bega

.

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

to organize our finances on paper and chart out our progress. As silly as it may be, I actually put a ‘star sticker’ by each payment made and continued to chisel away at each credit card until is was paid off. The heavy burden on our ba

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

Companies that provide selfless information through particip

ks became lighter until we were finally set free from all the debt. Today we are debt free and in the process of building our dream home with a minimal house payment on the Pacific Ocean, due to our lifestyle change and savings strategies

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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