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With all my bills who would possibly want my credit? Let them steal my identity and pay my bills! Unfortunately, that’s not the way it works. Many of us mistakenly believe that identity thieves hit

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

only the wealthy. Nothing could be farther from the truth. The average person is often more vulnerable that those we consider wealthy?

When someone steals your identity, they probably won’t touch you

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

Examples of combination products may in

existing accounts and they certainly aren’t going to use your address. That would alert you to the problem. Last year the Identity Theft Resource Center reported that 73 percent of identity thieves w

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

ill open new lines of credit in your name with a new address. Sixty three percent will take out loans in your name. Thirty seven percent will have cell phones or phone service in your name. Fifteen p

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

rcent will even lease a car or apartment in your name. And guess what? They aren’t going to pay the bills!

The Federal Trade Commission reported that in the last five years 27 million identities were

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

Combination pro

stolen. That’s one in every 8 adults. That’s more than 1,100 thefts per hour, three times the number of household burglaries. It’s definitely the fastest growing crime in America.

How will you learn

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

your identity has been stolen? Eighty- five percent learn the hard way. They apply for credit and it’s denied. The collection agency calls trying to collect on past due bills for things they didn’t

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

uy. Only fifteen percent are lucky enough to have a business alert them through verifying an application or an address change.

How does your identity get stolen? The number one way is by stealing you

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

r purse or wallet. That gives them your name, birth date, and often your social security number. That’s all they need to establish credit in your name. Your mailbox is also a prime target. If you r

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

ceive checks or pre-approved credit offers in the mail you are at risk. Some will steal directly from your mailbox. Others will send in a change of address form and let the Post Office bring it to th

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

m. Then there is the “dumpster diver” who goes through the trash at homes or businesses to find the needed information.

You can’t stop identity theft from happening. But you can reduce your risk! Re

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

Following aspects would a

move unnecessary information from your purse or wallet. You need your social security card when you start a new job but you don’t need to carry it the rest of the time. Is your social security number

dd to the challenges in developing combination products:

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

n your driver’s license? Request a different number from the from the state motor vehicle department. Keep those credit card offers out of your mailbox. Have your name taken off the marketing list of

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

the three major credit reporting bureaus (Equifax, Experian, and Trans Union). Drop your bills off at the post office instead of putting the flag up on your mailbox. Never give an unsolicited caller

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

our social security number, credit card number, or other personal information over the phone. If someone calls representing your financial institution or a creditor get their name, location, telephone

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

umber, and the reason they are calling. Then call them back at the phone number printed on your billing statement, not the number they gave you.

Routinely check your credit report for accuracy or even

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

Professional from academic institutions, pharmaceutical industries, health care indust

better; subscribe to a monitoring service. It’s an easy and cost effective way to protect your family’s name and finances. A professional credit analysis yields valuable information. They’ll give y

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

u specific instructions to reduce your chances of becoming an identity theft victim. Daily monitoring gives you the earliest possible detection. Early detection keeps personal and business losses to a

.

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

minimum. Businesses are hit hard by identity theft. Remember they pass those costs on to you, the consumer.

You don’t have to become an overnight identity theft expert. Letting a professional resolv

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

Companies that provide selfless information through particip

the situation for you makes an otherwise costly, frustrating, and unpleasant experience easier to bear. You’ll have the peace of mind of knowing that someone is always there watching your back for you

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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I don't think it's out of the question to speculate that the future of network marketing will be very bright, however, for network marketing to become the ideal business opportunity in the world's eyes there are many issues that need to be addressed and corrected within our industry before people as a whole see network marketing as what it should be.

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