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One of the top New Years resolutions for Canadians is to get out of debt and to better man

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

age their money. Currently, consumer debt is at an all time high and many people are still

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

Examples of combination products may in

paying off their credit cards from last Christmas.

As we all know, accumulating December

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

debt is a bad way to end the year. In the back of our minds, we know our stress will be w

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

orse in January when we must face the stack of bills that we can't pay off.

According to

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

Combination pro

the experts at Consolidated Credit Counseling Service of Canada the first step is to take

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

a look at your credit situation and figure out your debt-to-income ratio. As a rule of thu

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

mb, your total installment debt (e.g., credit cards, auto loans, student loans) shouldn’t

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

exceed 15 percent of your annual take-home pay.

Many people receive 0% credit card offers

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

that are enticing, but you must remember that credit card issuers give you a line of cred

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

t based on the information available to them regarding your financial situation, but you a

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

Following aspects would a

re the best judge of what you can comfortably manage. Just because you have a certain amo

dd to the challenges in developing combination products:

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

unt of credit available on your card, doesn't mean you should use it and max out your avai

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

lable credit.

Here are some sure signs that you need to revamp your finances:

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

Your credit cards are maxed out and you’re only paying the minimum. Failing to settle your

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

bill in full can lead to whopping finance charges. And if you skip a payment you can be on

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

Professional from academic institutions, pharmaceutical industries, health care indust

staggering late fees in addition to the interest.

An increasing amount of income goe

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

s to paying your debts. Only 15 percent of take-home pay should be spent on fulfilling cre

.

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

dit obligations.

You’re using one card to pay off another. Don’t fool yourself into t

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

Companies that provide selfless information through particip

hinking you squaring away your debts. All you’re doing is borrowing more money.

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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Business is a risky nature. It is also said the higher the risk, the greater the benefit. Discretion is the better part of the valor, as the potential downfall might lead to complete financial failure and recovering could be a mammoth task. It is important to know how much money you should risk, and incorporating a business venture reduces the risk and the personal liability.

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