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Top Articles - Why Should You Buy A Home?
WHY MORE AND MORE SINGLE PEOPLE ARE BECOMING HOMEOWNERS? WHAT DO THEY KNOW THAT OTHERS DON’T?
We all know our society has changed and will continue to change in the years to come. So much informati
We all know our society has changed and will continue to change in the years to come. So much informati
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
on and so many choices we all struggle to keep up with it all.
A nine year old today knows more than I did when I was 20 and if he or she does not know something they just go on the computer and do the research.
A nine year old today knows more than I did when I was 20 and if he or she does not know something they just go on the computer and do the research.
; or drug, device, and biological product and fixed dose combination would include two or more combinations of drug.
Examples of combination products may in
Examples of combination products may in
Old standards such as mum staying home and dad going to work are long gone and many women today focus first on a career, then on marriage and a family. In many cases the women of the household earns more money tha
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
the man. This has impacted greatly on family structure and lifestyles.
Today staying single longer and getting married later in life has become the norm. Today young adults are much more knowledgeable than in p
Today staying single longer and getting married later in life has become the norm. Today young adults are much more knowledgeable than in 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
ast generations. They realize the quickest road to financial independence, along with a good career, is to own your own home. Interest rates are low and home ownership is actually much more affordable, in many mar
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ets, than renting. They also realize that any gain realized from the sale of your principle residence is not taxable and that home ownership is one of the quickest ways to come ahead. Hence many young single peopl
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 are investing in their own home as soon as they are financially able to.
I had one young customer who purchased a home from me for $92,000 six years ago. His mortgage payments with taxes were $560 per month. An
I had one young customer who purchased a home from me for $92,000 six years ago. His mortgage payments with taxes were $560 per month. An
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
equivalent home would rent for $650. He invested $6100 in his down payment and closing costs. I recently sold the home for him for $146,000. His cost to sell including real estate fees, HST and closing costs wa
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
$10,504 his mortgage payout was $90,000 for a total of $100,504. $146,000 minus $100504 netted him $45,596 tax free for 6 years of home ownership. Do the math! He invested $6100 six years ago. His return on inve
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
stment in six years was 747.5% tax free. Better than any RRSP. Many young men and women are taking advantage of the benefits of home ownership for obvious reasons.
Now to the next question. What do they know or u
Now to the next question. What do they know or u
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
derstand that others do not? They know about and understand the power of leverage. Let’s go back to my example. My young friend is 28 Years old and has $45,596 in his bank account. What do you think he did next? P
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
ut the $45,596 into another home? No way. He purchased another home at a good price $125,000. He invested $9250 Including his down payment and closing costs. His payments are $725 per month which is fine as he is
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
making more money at work and to rent the same house would be $900 per month. The balance he has left in the bank is $36,346. He spent the $6346 on bills and paying off his credit cards. That left him $30,000. Thi
cts are meaningful and rational?
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
Which therapeutic categories to select?
Which Combinations can address unmet needs of the patients?
Do combin
money he invested in Royal Bank shares in a self directed RRSP.
Now think about this! He is 28 years old. 37 years away from retirement at 65. If the value of those shares at minimum doubled every 7 years he wil
Now think about this! He is 28 years old. 37 years away from retirement at 65. If the value of those shares at minimum doubled every 7 years he wil
tions increase the patient compliance?
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
What would be the developing cost?
How to tackle the risks encountered during combination product developmen
l have in excess of $1,000,000 in his RRSP. By the time he is 65. Fantasy ??? NO WAY. If this young man never invests another penny in the next 37 years he will still retire a millionaire and he did not have to wi
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
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
the lottery to do it.
I have customers who have bought as many as 10 homes from me over the past 30 years. I have watched them put their kids through collage, buy their summer cottage, take ocean cruises, buy ex
I have customers who have bought as many as 10 homes from me over the past 30 years. I have watched them put their kids through collage, buy their summer cottage, take ocean cruises, buy ex
ping new procedures for reviewing their safety, efficacy and quality.
Professional from academic institutions, pharmaceutical industries, health care indust
Professional from academic institutions, pharmaceutical industries, health care indust
pensive cars and recreational vehicles all with cash made by applying these same principles. Many have retired before 50 because they could. Many spend their winters in Florida because they can. All accomplished b
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
y the power of leverage and the tax free benefits of home ownership. I know you maybe in no hurry to own your own home and that is your decision but now at least you know what your missing out on.
I hope you have
I hope you have
.
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
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
found this article informative and you can use this knowledge to help you on the way to financial freedom. These principles have helped so many of my customers and myself over the past 30 years. Please feel free t
elopment. They need to be wiser in analyzing the market trends and the regulatory requirements.
Companies that provide selfless information through particip
Companies that provide selfless information through particip
o call or email me should you have any questions and should you wish to meet with me to help you set up your own plan for financial freedom. I or one of my qualified associates will always be available to help 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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