Answers - Finance

Some people will go through life without so much as a bump in the road. However, a large majority of people will face a road with many bumps

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

and quite a few broken bridges. Its the handling of those bumps and bridges that can be hard and sometimes unbearable. Many of those probl

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

Examples of combination products may in

ems are going to put some pressure on your wallet and bank account. Sometimes the pressure is to much for the contents of the wallet and yo

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

may begin to crumble. Luckily, there is somewhere to turn, its called a home equity loan. "A home equity loan! That means dealing with ba

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

nks and lenders; and all they care about is money!!" Well, in most cases, yes they do care a great deal about their investments and their mo

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

Combination pro

ney. But either way, a home equity loans is a great way to make some improvements in your life.

A home equity loan is in fact a great way t

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

make improvements in your life, but it can also be a dangerous option for those who think it is "free" money. As most adults in this world

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

know, there is no such thing as "free" money. A home equity loan is basically a loan on the mortgage that you have paid off. If you have p

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

ayed off $100,000 on your home, that's how much equity you have in your home. However, most banks will only lend 80% of that paid amount, s

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

the loan amount you may receive will be up to $80,000.

The bad thing about this whole process is that you are actually putting up your hou

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

se as collateral against that loan. You will have to make those monthly payments in addition to your usual mortgage payments, so things migh

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

Following aspects would a

t get a little expensive if you are not properly prepared. That's why the term "second mortgage" is used; as it implies that you are actual

dd to the challenges in developing combination products:

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

y paying two mortgages just to keep your home.

Obviously, a home equity loan is not something to be decided on in a split second; it must b

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

e given some serious thought. Do you really want to risk your home because you feel the need to add an extra room on your house? Or because

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

you want to take the family on a dream vacation? If you have the money to make the loan payments, then yeah, its fine. But, if you feel hesi

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

ant that you might not have the funds to cover the monthly payments, you may want to hold off on that home equity loan.

If you can handle t

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

Professional from academic institutions, pharmaceutical industries, health care indust

he payments, then get the loan. If you want the new corvette that just came out, but are unsure if you can handle the loan payments; do NOT

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

get the loan. If the situation demands money NOW and not later (such as a family member who needs medical treatment, or perhaps a child who

.

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

eeds college money), then get the loan.

You basically have to step back, view the situation, and make a decision. With some serious thought

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

Companies that provide selfless information through particip

and thorough planning, your home equity loan will be all smooth sailing and you will be on the road to some major improvements in your life

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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