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Debt means anything that you owe to another person or entity. A debt requires repayment over a specified period

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

of time including interest rates applied on the principal Debts can come in many forms such as credit card bills

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

Examples of combination products may in

personal or family loans, salary loans, mortgage loans, car loans, among others. In economics, you have learned

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

that when demand exceeds supply, there will be a shortage. Analogous to this economic situation, when your expe

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

ses exceeds your source or sources of income, there results a shortage of money that sometimes leads to bankrupt

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

Combination pro

cy for some individuals.

The power to decline the urge to amass material things is really not strong point amon

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

today?s consumers. This is the primary reason why you see the growth in financial institutions offering credit

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

cards and various types of loans catering to the needs of the individual or the family. You can almost buy anyth

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

ng you desire through credit. The catch would be if you get too deep in taking advantage of all the credit facil

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

ities available to you and you wake up one day to find that you do not have sufficient resources to pay all your

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

bills.

The following are some advice you might want to take in order to keep yourself debt free. First, identif

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

Following aspects would a

all your sources of income whether it is your salary or allowance. Then set a budget that you must be willingly

dd to the challenges in developing combination products:

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

and strictly follow. The budget must be within your income capacity in order that you will be aware of your pur

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

hasing power and your limits. There is no sense of setting a budget then going on a shopping spree the next day.

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

Deduct from your estimated income the estimated budget. The difference would be your available income that you

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

ay want to invest or place in a savings account.

In case you need to make a major purchase such as buying a new

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

Professional from academic institutions, pharmaceutical industries, health care indust

house, a car or an expensive home appliance, saving up for these might take you a lifetime and credit may be an

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

option. However, remember to look for a credit facility that is within your earning as well as paying capacity.

.

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

Study the choices available to you and pick one that is clearly within your income capability. Try to live withi

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

Companies that provide selfless information through particip

your means. By following these simple advices, you can be the master of your debts and not the other way around

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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