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It’s the number one source of consumer complaints at the Federal Trade Commission (FTC), and unfortunately, it’s one of the simplest crimes to commit. Identity theft involves information from your da

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

ily life, from shopping, bill-paying, and even applying for a job. Thieves take advantage of everyday opportunities to discover your personal information, including your Social Security number (SSN),

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

Examples of combination products may in

bank or credit card account numbers, income, name, address, or phone number, and use it to commit fraud or other crimes.

How can a stranger get to your information? According to the FTC, identity th

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

ieves may pose as legitimate representatives of an organization, as business professionals or agents of the government, conning you into revealing sensitive information. Common scams include imperson

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

ting employees from banks, credit card companies, Internet service providers, and utility companies. If someone calls you claiming to represent a legitimate organization, confirm this by calling the

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

Combination pro

ustomer service number listed on your statement or bill.

Thieves may also use your place of employment to get the information they need. A co-worker may steal information from your employer; someone

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

could hack into your company’s computer and copy employee records; or a criminal could resort to the old-fashioned method of bribing someone you work with for your information. Check with your emplo

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

er to find out the company policy on securing your records and disposing of them when you’re gone.

If your employer is authorized to pull credit reports on employees or potential customers, someone

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

could take advantage of this access to retrieve illegal reports. Criminals may also pose as employers, landlords, or collection agents to pull your credit information. It’s a good idea to order a cop

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

of your credit report once a year to check for unauthorized entries.

Shredding your documents before you throw them away is also good idea, whether at work or at home. Identity thieves have been kn

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

wn to sift through garbage, in the trash can or at the dump, to find sensitive information.

The most common form of identity theft is credit card fraud. Technology has allowed criminals to begin ste

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

Following aspects would a

aling your credit or debit card numbers as you use the cards, “skimming” them with an information storage device. In addition, thousands of drivers’ licenses and credit and debit cards are stolen eac

dd to the challenges in developing combination products:

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

year. Keeping your Social Security card in a secure location and safeguarding your purse or wallet while at work are necessary precautions.

Even your mail is a source for identity thieves, who may

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

complete credit card applications in your name and go on a spending spree. After stealing your bank or credit card statements, tax information, or box of replacement checks, criminals are able to acc

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

ss your accounts and spend the funds in your name. They may even change the address on your existing account, diverting the bills to keep you from recognizing the problem until it’s too late. Being 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

are of your billing cycles can help you catch a discrepancy in the arrival of your statements.

Identity thieves have a variety of ways to use your information for their personal gain. They may shop

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

Professional from academic institutions, pharmaceutical industries, health care indust

for big-ticket items using your credit or bank account information and then sell the items for cash. With your SSN and date of birth, they can open new bank accounts or apply for lines of credit. In

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

act, banks have granted loans to criminals using stolen identities for purchases as large as cars.

Telephone or internet service can be set up using your SSN. Thieves can avoid impending eviction or

.

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

accumulated debt by filing bankruptcy in your name. Perhaps the most emotionally traumatic, police could issue a warrant for you if a criminal was arrested using your name and failed to appear at a

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

Companies that provide selfless information through particip

ourt hearing.

The ways that identity thieves have conceived to acquire your personal information are numerous, but your vigilance and heightened awareness can curb their ability to make you a victim

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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If you go to a networking meetings or Chamber of Commerce Mixer it is indeed important to get to know everyone and not necessarily launch into a full court press sales pitch, as that does get a little annoying and that is no way to win friends and influence people at all.

10 Tips for Reducing your Expenses (and Conserving your Cash) 1. Reduce Overtime. Overtime is expensive, but a little preplanning of your work schedules will go a long way here. The feast or famine cycle that many businesses go through can drive costs up without a corresponding increase in sales. The trick is to keep a steady pace with your work. Otherwise, you find yourself needing to pay overtime simply to keep from missing your deadlines.

For those who don't own a home but need to consolidate their there are two options available. The first choice would be to contact a debt negotiating company. Debt negotiating companies will negotiate lower interest rates and smaller payments.

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