Answers - Real Estate

In the age of creative arm programs, subprime lending, and increasing interest r

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

ates, families have found themselves in a financial crunch. If you find yoursel

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

Examples of combination products may in

in this situation, a simple solution is to put your property on the market and

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

ell to an interested buyer.

The bigger issue is that most individuals who enter

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

d into the creative arm programs weren’t educated to the potential pitfalls. Th

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

Combination pro

y gambled on the initial mortgage payment remaining low. Also, many of them did

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

n’t consider the consequence of interest rates fluctuating upward.

Then, there

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

re the unforeseen misfortunes, such as, divorce, death, and loss of employment.

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

Trust me; I have experienced them all. Unanticipated life events can have a pro

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

ound effect and can impact your finances immediately.

The first step is to work

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

with your mortgage company to see if they will allow you to work out a lower pay

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

Following aspects would a

ment. Lowering your payment will buy you time to either sell or get back on you

dd to the challenges in developing combination products:

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

feet. Remember, the bank isn’t in the real estate business and doesn’t want to

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

foreclose on your property. If you foresee yourself not recovering anytime in t

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

e near future and do not expect your circumstances to change, you may need to co

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

sider selling your property immediately. By selling, you may walk away with a p

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

Professional from academic institutions, pharmaceutical industries, health care indust

rofit and save your credit.

Lastly, we have to educate ourselves before signing

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

on the dotted line. Ask the appropriate questions with regards to your loan pro

.

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

ram before you commit to and sign a contract. Get opinions from at least three

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

Companies that provide selfless information through particip

inancial sources, and most of all, don’t allow yourself to slip into foreclosure

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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