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I’m sure your answer is yes to this question. Yeah, you may want to loose your debt, but aren’t sure exactly how to do this. Did you know that there are a lot of people

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

in the United States who are in more debt today than we’ve ever been? We’re also saving much less! That’s right. Even though we make more money we’re saving a lot less

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

Examples of combination products may in

han our grandparents did! I know you’re saying, things cost much more these days. Yes, I know, but we’re still spending more, which keeps us from saving the money we shou

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 for a rainy day.

In fact, the interest rates that are currently being charged on credit cards average eighteen percent and upward. Ouch! That’s a lot of interest to pa

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

for a credit card especially if you don’t pay off your balance each month. Of course, your credit card company would like you to keep a balance on your credit card so t

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

Combination pro

ey can collect interest from you! Remember you’re charged interest on your unpaid balance, that’s how the credit card companies make lots of money. You say to yourself,

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

what can I do to reduce or eliminate my debt? Well, here are some tips to help you begin your path to financial freedom by reducing and eventually eliminating your debt:

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) Review all of your current billing statements to determine how much you owe your creditors. By doing this, you’ll know exactly where you stand with your bills and exa

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

tly how much you owe.

2) Look at the highest interest rates you are paying and the balances of these particular credit cards. Based on those balances, attempt to start

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

aying off the credit cards with the highest interest rates first. This will assist you in reducing the amount of interest you are paying to your creditors sooner.

3) Pa

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

more than the minimum amount due on your credit cards! You want to get your debt reduced and eventually eliminated by paying over the minimum balance that the credit car

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

Following aspects would a

d company is requiring you to pay. Remember debt elimination is your goal, so this will help you to work towards that!

4) Make sure to pay your bill on time in order to

dd to the challenges in developing combination products:

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

avoid late fees and extra interest charges added to your credit balances. You definitely don’t want to pay your credit card company any more money than you need to! Remem

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

er, the more money you keep for yourself, the more you have to save.

5) Don’t use your credit cards! That’s right, you’re trying to become debt free, so you’ll need to e

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

iminate or reduce your spending on your credit cards. Yes, I know you’ll need one for emergencies. But, that’s just it, emergencies only! So don’t use your credit card f

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

r anything else other that a true legitimate emergency. Your goal is to stay out of debt and to become debt free.

6) You may want to take money from your savings or mon

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

Professional from academic institutions, pharmaceutical industries, health care indust

ey market account to pay off your credit cards so you can become debt free or reduce your debt. If you decide to do this, make sure you keep some money in your savings f

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

r an emergency or a rainy day!

7) If you think you need debt counseling, then you may want to seek professional help to assist you with reducing or eliminating your debt

.

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

Just do some research via the internet to locate a company that specializes in this.

These tips should help you get started on your way to becoming debt free for the f

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

Companies that provide selfless information through particip

ture. You’ll be glad that you decided to take this crucial step in taking control of your personal finances by losing your debt! Remember, it’s important for your future

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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