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There are two basic accounts the savings account and the term deposit or varieties

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

of these.

Savings accounts have easy access to your money but very low interest is

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

Examples of combination products may in

paid usually around the 2% mark but account keeping fees and ATM withdrawal fees m

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

eans invariably your interest is in the cents region or nothing at all.

Term depos

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

its are another form of investment usually in the medium to long term.

The rates o

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

Combination pro

offer are always higher on the longer term i.e. 3 -5 years duration. The higher th

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

e % rate offered invariably means the higher the risk involved.

So to get the best

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

bang for your dollar you have to look at a few key factors.

1. % Rate.

2. Term.

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

3. Risk Factor (Is it a well known company? Or one you haven’t heard of before?)

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

4. Account keeping fees.

5. Tax.

6. Access to your records/ accounts (i.e. intern

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

t access.)

7. Availability of cash back in the case of emergencies. You usually fi

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

Following aspects would a

nd that if you draw it out before maturity there is either a penalty involved or a

dd to the challenges in developing combination products:

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

drastic reduction in the rate of % paid.

8. Always read the fine print on the cont

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

racts. It’s no good saying I did not know about that “special clause or condition a

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

fter the fact.

9.Is there ATM or Branch access to your cash.

10. Are there more v

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

able profitable alternatives available i.e. shares?

So whatever you decide to do m

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

Professional from academic institutions, pharmaceutical industries, health care indust

ake sure that you check things out properly and do your homework

So obviously ther

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

e is a bit more to it then just sticking your money into an account sitting back an

.

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

d waiting for the profits to roll in. (Hopefully)

Because if you are not careful y

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

Companies that provide selfless information through particip

ou could be paying the Bank just for the priveliege of looking after your own 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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You might be wondering what all the talk about business cards is about. Why should you have one? A business card, in the simplest possible terms, is a portable advertisement, targeted only to the people who can make the most difference in terms of your business's success or failure. To see why business cards can make such a difference in the health of your business, think about the classic methods of advertising. Each of them has significant advantages, too--but each also carries a significant disadvantage. For example, take mass media advertising....

A secured debt is a debt in which the creditor maintains a security interest in an item or piece of personal property such as a house or an automobile. Unsecured debt is debt in which you borrow from a creditor to obtain goods or services on credit in exchange for your promise to repay the debt.

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