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Leasing is a perfectly viable and legitimate way to finance a new car. Although leasing offers attractive ben

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

efits, it is somewhat more complex than buying with a loan. This means there can be pitfalls if a decision to

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

Examples of combination products may in

lease is made for the wrong reasons.

Therefore, a comparison of leasing versus buying is always a useful exe

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

cise when considering automobile financing. One option will generally be decidedly better than the other in a

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

ny specific situation.

Let's first look at the financial side of the analysis.

Leasing always results in lo

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

Combination pro

er monthly payments than a conventional automobile loan, assuming the same vehicle, same down payment, same i

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

terest rate, and same term. Lease payments will be as much as 60% less than loan payments. Therefore, if mont

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

hly payments are your most important consideration, leasing is a good financial option (although there may be

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

other reasons you shouldn't lease -- see below).

However, in the long term, leasing actually costs more than

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

buying assuming that the buyer keeps his/her vehicle for a long time after the loan has been paid. It doesn't

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

take rocket science to figure out that leasing a new car every two or three years costs more than buying one

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

Following aspects would a

car and keeping it until it falls apart. So if long-term cost is your highest priority, then leasing is not f

dd to the challenges in developing combination products:

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

r you.

Even if leasing makes financial sense to you, there may be reasons that it won't work for you.

If yo

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

drive more than about 15,000 miles a year, leasing is not a good option for you. The reason is that leasing

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

is designed for people who typically drive only average miles and don't want to pay for the entire value of a

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

vehicle. They only pay for the relatively small part of the value of the vehicle that they actually use.

Lea

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

Professional from academic institutions, pharmaceutical industries, health care indust

ing may not be a good option, too, if you don't typically maintain your vehicles well, carry only minimum ins

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

urance, like to modify your vehicles, or prefer the idea of ownership.

Furthermore, if you expect lifestyle

.

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

hanges (marriage, divorce, job change) that might cause you to want to end your lease before its normal end d

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

Companies that provide selfless information through particip

te, don't lease. Leases are designed in a way that makes it both troublesome and expensive to terminate early

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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Designing your own marketing materials when you launch your business, instead of having them professionally created, will make getting initial clients more difficult, and may result in a business that will not succeed. Here are several reasons why this is not the best idea.

It's amazing how powerful a bit of advertising in the press can be. The public seems to take the printed word as the gospel truth! If you manage to get your work published, you'll find that your credibility goes up enormously. So how can you improve your chances of getting your message published?

It was nearly six years ago, just before the great Y2K scare, I had my first internet experience. This experience hardly prepared me for the anxiety I would come to know with twenty four hour access. I don't think I'm the only one experiencing it. Blessed are those with restricted access.

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