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Wiki Articles - Living Within Your Means--Bills
In the last article on this subject, I wrote about groceries and how to do them cheaper so you come under budget each time.
In this article, I will be speaking about the balance of your bills versus what you spend on actual living.
In this article, I will be speaking about the balance of your bills versus what you spend on actual living.
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
But please accept these basic truths.
Credit is a tool and if it is not used correctly, it hurts.
Paying all your bills on any cheque hurts your cash flow.
Simplifying bills is not always better. Often it means that you are issu
; 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
ed notices long before you're overdue two months because the amount of the bill trips a limit.
Imagine, it is payday again. Wow. Great. Before you even get that cheque, you know it's basically spent on bills. Every kind of bill
Imagine, it is payday again. Wow. Great. Before you even get that cheque, you know it's basically spent on bills. Every kind of bill
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
imaginable and you're intent on paying them. Oh boy, do that and you risk not having any money for food or some of the other necessities of life. So what happens next if you pay all your bills from your paycheque right away? Yes,
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
naturally, you don't have anymore than change in your pocket and so of course, out comes the credit.
If you are the average North American, you can't afford a credit card...not a traditional one anyway. People will give you all kin
If you are the average North American, you can't afford a credit card...not a traditional one anyway. People will give you all kin
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ds of reasons why credit is good and other reasons why it is bad. There doesn't seem to be a consensus about it. In this case, I'm stating emphatically that you cannot afford a credit card if you're living as most people do from pa
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
ycheque to paycheque.
Even if you are making minimum payments, it's too much money out of your pocket. That twenty bucks could have gone elsewhere. That one hundred dollars could have gone elsewhere. Credit encourages laziness.
Even if you are making minimum payments, it's too much money out of your pocket. That twenty bucks could have gone elsewhere. That one hundred dollars could have gone elsewhere. Credit encourages laziness.
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
It asks you to take the road most traveled, and naturally the easiest road to pick. Defering credit with minimum payments from month to month means that the minimum payment becomes larger and larger and larger. The hole it is diggi
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
ng into your cash flow gets bigger by the month. So instead of taking 20 bucks out of your pocket as it did in January, now it is taking about 40 bucks. By June, you're up to 50. People consider this kind of money a small thing bu
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
t over time the amount of money spent goes up and up just to meet basic minimum payments. The more you defer larger amounts, the more likely you are to need another credit card.
And what about those months where you heroically take
And what about those months where you heroically take
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
a real chip out of the credit card's balance? Usually those months lead to less eating which leads to more credit being used.
So first thing is first. Put the credit card in a drawer and I will explain how to figure out how much
So first thing is first. Put the credit card in a drawer and I will explain how to figure out how much
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
you can pay to what you owe, strategies to reduce the amount you're paying in bills and services as well as showing you that credit is unnecessary.
Say you get your paycheque and it is four hundred dollars. That means, you can only
Say you get your paycheque and it is four hundred dollars. That means, you can only
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
spend 200 dollars on bills. Half. If you make 700, you can spend 400, slightly higher than half on bills.
That's the magical formula. You need to stay near the half mark.
The next question has to be, but I can't pay everything
That's the magical formula. You need to stay near the half mark.
The next question has to be, but I can't pay everything
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
off that way? Then, that means you have too many regular bills. Time to start trimming your services.
Look at some of your basic service bills such as cable, telephone and hydro. In the case of cable, get rid of anything above ba
Look at some of your basic service bills such as cable, telephone and hydro. In the case of cable, get rid of anything above ba
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
sic. That'll give you a lot of relief. Or better yet, phone them up and say you're hurting and will have to reduce services, they may well find a solution for you so that you can keep a little extra in services.
As for the telepho
As for the telepho
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
ne, do you really need to know who is calling you? My bet is no. So forget call waiting and all of those fancy ring tones as well as call display. If it comes to having a choice between having a phone and non at all, then I would
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
pick a phone. If your long distance is not a package, flat rate unlimited, then dump it and find a company that has that. In the case of Hydro, think of looking for energy leaks. For example, do you have a dryer that is from the d
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ark ages? Do you have a washing machine that eats electricity on every load? What about a huge freezer? Dump them. Replace them with more modern equipment.
Then move on, shop around for insurance ect.. You can always find that
Then move on, shop around for insurance ect.. You can always find that
.
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
kind of thing cheaper.
Dump bills that are ridiculous for small amounts. Pay them yearly instead.
Once you start using this formula for success, you will always have more money in your pocket and your need for credit will become a
Dump bills that are ridiculous for small amounts. Pay them yearly instead.
Once you start using this formula for success, you will always have more money in your pocket and your need for credit will become a
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
thing of the past. The main thing is to always keep a certain amount of money available for spending, which is what we all do with money. Then, you don't need a credit card.
This is yet another way you can live within your means.
This is yet another way you can live within your means.
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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