Answers - Real Estate

Your first real estate decision is a no brainer! Truth is, you'll live for free by buying instead of renting. Just the fa

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

cts please. OK, here's the facts and figures:

If you buy a home and live in it for 5 years you will have lived for free.

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

Examples of combination products may in

Your mortgage payments, related closing costs, insurance and property taxes will be returned to you through tax savings an

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

d profits after you sell the property. Here's how it works: (to make it easy we'll use a $100,000 property even though thi

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

figure might seem very low for a home where you live, there are still many places where this is a realistic figure)

Pric

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

Combination pro

e $100,000
Down Payment - 5,000

Mortgage $9

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

5,000
Interest Rate x 10%

1st Year Interest $9.500
Property Tax

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

+1,000

1st Year Expenses $10,500
Income Tax Bracket x 33%

1st Yea

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

Tax Savings $3,465
Appreciation @6% + $6,000

Tax Savings and Appreciation

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

$9,465

Your Interest for the first year was $9,500 and your property tax bill was $1,000, which together total $1

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

0,500, but your investment return from tax savings and appreciation was $9,465. If instead you were paying $600 a month fo

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

Following aspects would a

r rent you would lose $7,200 a year or $36,000 in 5 years because renters don't get any tax deductions nor can they take a

dd to the challenges in developing combination products:

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

vantage on any of the property appreciation. These benefits go to the owner.

You as owner would have paid $760 a month fo

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

r a total of $45,000 in mortgage payments during those 5 years. Add to that another $5,000 for property tax and your total

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

would be $50,600 or $10,120 a year. These numbers are higher than the renter paid... but wait!

As the owner you would ha

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

ve saved an additional $3,465 a year in tax savings from tax deductible interest and property taxes. Also, your appreciati

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

Professional from academic institutions, pharmaceutical industries, health care indust

n on the property is a conservative $6,000 (@6%) many cities have higher appreciation rates.

So you spent $10,120 a year

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

and got back $9,465 in cash and equity. Realistically you only spent $655 a year or $3,275 to live in a place for 5 years.

.

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

But don't forget, part of your mortgage payment went toward paying off about $4,000 of your principle of that 5 year per

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

Companies that provide selfless information through particip

iod, which is more than the $3,275 you spent out of your pocket.

Would you rather be the owner of that home or the renter

tion in industry events and feedback to regulatory authorities would be able to face the challenges and will be successful in developing combination products

HTTP = HTML link (for blogs, profiles,phorums):
<a href="http://www.answers.org.ua/article/137257/answers-Beginning-Real-Estate-Investing-Your-First-Decision-Is-a-No-Brainer--Should-I-Buy-Or-Rent.html">Beginning Real Estate Investing? Your First Decision Is a No Brainer - Should I Buy Or Rent?</a>

BB link (for phorums):
[url=http://www.answers.org.ua/article/137257/answers-Beginning-Real-Estate-Investing-Your-First-Decision-Is-a-No-Brainer--Should-I-Buy-Or-Rent.html]Beginning Real Estate Investing? Your First Decision Is a No Brainer - Should I Buy Or Rent?[/url]

HR, or human resources, is a critical function in most organizations today. It helps maintain a constant supply of qualified workers to fuel the needs of the company. Human resource professionals include people from various organizations that hire, train, and if need arises, even fire employees. They take care of all personnel issues such as payroll, leave policy, and employee benefits.

Copywriting is an SEO tool that can not only boost your web traffic, it can also turn your traffic into sales conversions. Understanding why copywriting is such a powerful SEO tool will help you use copywriting to turn your visitors into loyal buyers.

Most Realtors, Attorneys and CPAs do not have sufficient expertise to guide you in a legitimate and defensible tax deferred exchange. The key here is defensible, as the IRS will usually audit the tax deferred transaction and if it's done correctly so that it is easily defensible you will sail right through the audit for little or no money. Your personal tax profile and that of your other business and family identities must be factored in the decisions. It may be necessary to legally refigure, adjust, and compartmentalize your purchase or sale - and document that appropriately, BEFORE you begin to put any part of the transaction in writing. Planning is legally done BEFORE and if it is done after the transaction you can be liable for fraud. The IRS does not take kindly to fraud especially regarding real estate.

Tags

Links

Answers - Beginning Real Estate Investing? Your First Decision Is a No Brainer - Should I Buy Or Rent?

Related Articles: