Answers - Real Estate

Get a Mortgage Pre-Approval! You need to know what you can afford. You have to be realistic before you jump headlong into it. We suggest making an appointment with your bank’s mortgage representative and having a serious talk. Don’t be a

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

fraid to shop around. Check all banks and compare rates. Don’t be afraid to haggle – most banks will knock off 1% from the posted rates. Ask for it - you deserve it. This is the biggest purchase of your life. Also find out how long the rate will

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

Examples of combination products may in

be “locked in” for. Usually 60-90 days. If the rate does go down in that time period normally your bank will give you the lowest rate in those 60-90 days, make certain that this is the case.

Make your Home Wish List Do you want a townho

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

use, semi-detached or a detached home? What about a condo apartment? How many bedrooms do you need? What about a backyard? Is it something you want – will you be able to maintain it? Location – do you need to be near a school for your kids?

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

onsult with a Realtor to find a home to suit your needs and price range. Be honest and explain your situation. We’re here to help you. And realize that is not always going to be easy. If you are pre-approved for a mortgage at $200,000 and y

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

Combination pro

u have a downpayment saved up of $10,000 then you can look at homes priced up to $210,000. If your chosen location is central Toronto, it will be near impossible to find a 4 bedroom detached home for that price. You have to consider what is affo

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

rdable. How much home can you afford in your chosen location? The farther you go out of the city the less expensive everything is. If you go to Ajax for example you could find a detached four bedroom in that price range. In Toronto, you are look

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

ng at $400,000+.

Search for your New Home Be patient – it may take awhile to find the perfect home or conversely, it may be the first home you step foot in! A word of warning, in the current market homes are being sold at an alarming ra

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

te. If there is something you decide you like, it is better to jump on it then to wait too long and have it sold out from under you.

Make an Offer on the Home you Choose Your realtor will take care of all the negotiations and will advis

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

you on every aspect of the process. Standard conditions in the offer are: buyer arranging financing and inspection of the home by a qualified home inspection professional. These conditions are included to protect you – the buyer. The financing

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

s approved by your bank and the inspection is done by a home inspector of your choice. Your realtor will have names of inspection companies to choose from or check the yellow pages and compare rates. The standard is for the inspector to supply y

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

Following aspects would a

ou with a report at the end of the inspection and alert you to any concerns he or she may have. Having a termite inspection in any of the older homes in Toronto is a good idea.

Once the offer is accepted and the conditions are fulfilled

dd to the challenges in developing combination products:

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

then the deal (contract) is firm and binding. You just need the Seller to move out! You will need to prepare for moving expenses and utility set-ups (water, hydro, gas, etc.)

Closing Day! This is the day that your lawyer and the seller’

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

s lawyer exchange documentation and funds and you get the title and keys to your new home!! It may well be a stressful day for you – actually, we know from experience (we’ve done this twice now) that yes, it is stressful. The relief of finally h

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

ving your new house keys in your hand will be such a pleasure.

Moving Day! Careful planning ensures a smooth and painless move. Whether you are hiring a moving company or you are doing the work yourself, make certain to assess the costs

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

and be ready. Renting a truck and doing it yourself may be cheaper at times, but to save the strain on your back you may just let the pros do it. The costs can vary wildly.

For our first home we, with a few friends and family members, moved us

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

Professional from academic institutions, pharmaceutical industries, health care indust

in. We were going from an apartment to a house and it was easy. The initial cost of the truck was not too expensive, it was the additional mileage cost that was tacked on at the end that was not so pleasant. Not to mention the pain in our backs

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

nd knees the next day from all the lifting and stair climbing! And we weren’t out of shape, it was just crummy, hard work.

But here’s the truth, for moving into our current home we broke down and hired a moving company – not a big name but stil

.

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

l a bonded, insured company and the guys were great. They brought the truck, emptied out our storage locker and got everything into our new home quickly and efficiently. Yay! No sore back and knees for us! We personally are in relatively good sh

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

Companies that provide selfless information through particip

pe and not lazy by any stretch of the imagination, but we are also not into busting our backs again. So, ultimately, the choice is yours. Yes, it’s cheaper to do it yourselves just make certain you are ready for the work, that’s all we’re saying

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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It's true that you can't take it with you, but many are becoming more concerned about what happens to what they leave behind. Thanks to some recent changes in estate laws, strategies that were once only doable by the extremely wealthy are now more accessible by those of more modest means. Read on to see if you can take advantage of these estate planning tools and create a living legacy for your family.

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Answers - Steps to Owning Your Own Home or Condo

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