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Answers - The Gifts of Debt
Debt is both a curse and a gift. Debt can ruin you. Debt can also set you free to create a life of abundance. How is it possible that debt can have such different effects? In the t
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
heaters of ancient Greece, actors wore masks to represent tragedy or comedy. Debt also wears two masks. One face is familiar to us. It kicks us when we are down, squeezes us when we
; 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
are broke, hounds us when we can't pay. It doesn't take much imagination to recognize this face of debt. This type of debt robs people of their lives. This debt can and does ruin peo
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ple.
This face of debt is particularly acute at this time of year. January is the month when many people open up credit card bills and wonder how they will pay for the Christmas gif
This face of debt is particularly acute at this time of year. January is the month when many people open up credit card bills and wonder how they will pay for the Christmas gif
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
ts they bought on credit. It doesn't take much imagination to outline all of the ways that debt can ruin lives.
Yet, debt has another face. This face of debt can be a great gift to
Yet, debt has another face. This face of debt can be a great gift to
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
those who recognize it and use it well. Why? Debt allows you to take advantage of someone else's money to buy something you could not afford to buy. Debt allows you to do and be and
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
have what you could not do on your own.
Let's start with mortgages for houses. Few people can afford to buy houses with their own money. You can probably buy a cartload of groceries
Let's start with mortgages for houses. Few people can afford to buy houses with their own money. You can probably buy a cartload of groceries
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
, a meal at a nice restaurant, and some new clothes by pulling cash out of your wallet. But when you want to buy a house, how many people have enough money in their checking accounts
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
to be able to buy houses for hundreds of thousands of dollars?
What is the solution? You take out a mortgage. A mortgage is a just a fancy word for debt. You borrow money to buy y
What is the solution? You take out a mortgage. A mortgage is a just a fancy word for debt. You borrow money to buy y
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
our house. And because of this mortgage debt, you have a house you can call your own.
What else does debt give you? Debt puts college in reach for millions of people who could not
What else does debt give you? Debt puts college in reach for millions of people who could not
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
afford to pay tuition up front.
Debt also allows you to start a business, using someone else's money, when you don't have enough money of your own.
I can imagine that you might be
Debt also allows you to start a business, using someone else's money, when you don't have enough money of your own.
I can imagine that you might be
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
thinking: Banks and lenders are making a profit on all of this debt. And besides, you are paying dearly to borrow the money. What about the interest rates? What about the endless fe
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
es? What about the banks that overcharge? All of this true. Banks and credit card companies can be downright usurious in their charges, especially for anyone who gets in trouble and
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
falls behind in payments.
And it is also true that debt can be a great gift because it gives you a start. You borrow money to buy a house you could not afford to buy without it. You
And it is also true that debt can be a great gift because it gives you a start. You borrow money to buy a house you could not afford to buy without it. You
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
borrow money to start a business when you don't have enough to get started. You start school you could not have started without the borrowed money. These are only a few examples of
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
the gifts of debt.
Consider this. The only reason you have debt is because someone with money believes that you will repay the money. And with the money, you are able to do somethi
Consider this. The only reason you have debt is because someone with money believes that you will repay the money. And with the money, you are able to do somethi
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
ng you could not otherwise afford that will change your life for the better.
Debt has two faces. You can also choose what face you will wear in front of debt. You can wear the face
Debt has two faces. You can also choose what face you will wear in front of debt. You can wear the face
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
of fear. You can be angry at your creditors and upset with yourself, or you can put on the face of gratitude that someone trusted you enough to loan you money for you to have and cre
.
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
ate and be what you could not have or create or be with your own money.
Abundance comes in many forms. One source of abundance in your life comes in the form of credit from people a
Abundance comes in many forms. One source of abundance in your life comes in the form of credit from people 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
nd businesses. This face of debt can be a great gift on the pathway to living abundant lives. The most appropriate response is gratitude for the gift of debt that leads to abundance.
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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