Answers - Finance

As everyone knows, HYIP investments are risky. To the uninformed its the equivalent of throwing a pound in a wishing well, and expecting 2 or 3 to splash back out. In truth, despite the mas

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

s of information on the Internet, there simply isn't a definitive yes/now answer for the inexperienced. Some time ago, I theorised that it would be possible to insure investments against sc

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

Examples of combination products may in

ms. Although by some the idea was ridiculed, I was and still am convinced that the concept is good. Read on, and I will explain all the pros's and cons, you're free do decide yourself the m

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

rits of the service.

Lets take by way of example a typical Internet user that decides to try HYIP investments, lured by the promise of high returns in a short time frame. This person knows

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

nothing of these sites, has no regularly updated information to look through and even if they did the site could turn sour the second hard earned money is invested.

So what happens when t

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

Combination pro

ey try to withdraw the apparent win-fall? In a nutshell, nothing. They receive no payment and have no-one to contact. It is possible to report the incident to a merchant provider but this i

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

variably will not result in the return of spent dollars. Another victim is created with no hope of ever seeing their cash again.

Now consider the difference that a definitive result would

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

make after requesting an insurance policy. If the HYIP to be covered is on the insurance blacklist, or has been reported by other investors as a scam, the policy will simply be denied. From

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

this point on, anyone foolish enough to make an initial spend with the site has only themselves to blame.

The other possibility is that the quote is accepted. Only two possible outcomes ca

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

remain. a) The investment is successful and the policy holder gets paid as promised, or b) The site fails to pay out and the policy holder becomes a victim with a difference. They will get

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

their initial spend returned. In this case, the claim results in the HYIP being blacklisted, thus preventing further victims.

To some this seems too good to be true, but lets break it down

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

Following aspects would a

into component parts and assess it more closely.

Hyip's (High yield investment programs) promise seriously high returns in a very short period of time, often hours or days. Even the best

dd to the challenges in developing combination products:

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

orex traders couldn't promise these types of profits indefinitely. Its possible that they will succeed in the short-term, but its unlikely to be sustainable and so the program fails.

The H

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

IP insurance is somewhat different, with the policy costing 25% of the intended investment amount. It still means that the premium must be multiplied more than 4 times to cover any possible

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

claim made. However, for the system to be fair both in terms of the investor and the site owner, it will take a few days to be sure that no response is forthcoming from the site following

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

payment failure. The insured investor then has to make a claim, provide evidence of the investment and all attempts to resolve the situation amicably. The insurance provider also will make

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

Professional from academic institutions, pharmaceutical industries, health care indust

reasonable attempts to contact the site owner and merchant provider. At which point it is possible to grant or deny the claim based on the results. This is a considerably longer period of t

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

ime, over which the premium cost has been invested wisely resulting in the ability to process the claim and return the lost investment amount. Winning investments provide the insurance serv

.

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 with the necessary profits to be viable since the same investments were made while the policy was valid.

So you see, the fundamental difference is time. Realistic time frames, compensat

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

Companies that provide selfless information through particip

ng for the unrealistic but highly attractive profits. My advice is to keep your money safe, insure your investments. If you're lucky you'll win, if you're not at least you won't make a loss

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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For effective communication with offsite workers, know why you want to communicate with them, and just as importantly, know why they would want to be in touch with you.

Why do so many businesses start and then fail so quickly? Most of them don't have a plan. Without a clear, concise, detailed plan it is impossible to for any buiness to succeed. Your business plan is your blueprint for success.

A recent client request to review their web site usability prompted me to codify some of the rules with which I approach web navigation. These 3 principles work 100% and every deviation from them only brings confusion to the end user and thus lowers the corporate ROI (Return on Investment). Rule Number 3: Mutual Exclusivity.

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