Answers - Finance

Debt consolidation is supposed to help you get free of debt. By combining a lot of smaller debts into one big loan you can pay the debt off with lower repayments. So how c

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

ome a lot of people have the same debt load two years later?

Answer is, they treated the symptom, not the cause. Debt consolidation only works if you address the underlyi

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

Examples of combination products may in

g problem, which is that you spend more than you earn. Once you’ve consolidated debt, it can be very difficult to do it again.

The way it’s supposed to work is that a loa

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

pays off your debts, you sweep away all your past mistakes and extravagances, get a grip on your finances and vow to live within your means. This way you never again have

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

to face the consequences of any more mistakes and extravagances.

But maybe you had just cause for spending too much. Medical bills are the largest cause of bankruptcy in

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

Combination pro

America. If you got sick or had a major accident you’ve got big bills to pay and this can devastate your finances. If this is you, face up to your debt situation before it

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

gets out of control. Your hospital probably has someone on staff to help people in your situation. Find the person with a sympathetic ear and use them. It’s better to ask

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

or help than to prevaricate and suffer alone.

Your aim should be to keep current with all your non-medical bills, but to work out a way of paying your doctor over a longe

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

period of time. If your medical care providers know that they’ll get their money in the end, there is usually a payment plan that you can use. Remember to keep up to date

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

with your household bills: you’ve got to pay your energy bills but the doctors can wait. They can afford it.

Or maybe the reason you’re still in debt is that you still h

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

ve to pay your student loans but you’re not yet earning enough to live. If you’re young enough to be in this situation but old enough to have graduated, then the answer’s

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

Following aspects would a

simple. Get a better job, or get a second job, or both. This sounds tough and it is, but life is tough. If you’ll learn how to be in control of your money at an early age,

dd to the challenges in developing combination products:

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

you’ll be learning how to be one of life’s winners.

For those who are in debt but not sick or young, the simple truth still remains. You’re spending more than you earn.

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

Here’s a way you can help yourself. Get out your wallet, take out the dollar bills and the credit cards and spread them out on the table. See those credit cards? You prob

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

bly think of them as infinite plastic. You use them over and over to buy what you want. Until they actually are maxed out, they seem infinite. They will always gratify you

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

spending impulses. That is, if you will let them.

See those dollar bills? They can buy the exact same things as the plastic, but when you’ve handed them over, they’ve go

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

Professional from academic institutions, pharmaceutical industries, health care indust

e. If you want more of those bills, you’ve got to earn them. Now get the truth into your head that you can only spend up to the value of those dollar bills. Not one cent m

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

ore. If you can discipline yourself into this frame of mind, you’ll begin to see that you can repay your debt.

And here’s another thing. You can cut up your plast

.

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

c even while there’s still money to pay on them. Think about it: destroy the cards but keep up your repayments and one by one those debts will disappear.

If you can thin

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

Companies that provide selfless information through particip

of debt consolidation as a last resort, if you can tackle the causes of your debt (not the symptoms) and if you can promise yourself to start afresh, you can be debt-free

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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