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Top Articles - Too Much House?
First, let me tell you that mortgage debt is the only kind of debt I don’t yell about. I don’t borrow m
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
oney – ever. But, I know most people won’t do the “100% Down Plan” when it comes to buying a home. So wh
; 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
at are your options?
For those of you who are in debt (which is most of you), let me tell you what Sha
For those of you who are in debt (which is most of you), let me tell you what Sha
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
on and I did. Nearly 20 years ago my wife, Sharon, and I hit the financial bottom because of our debt. We did an
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
unpopular thing to help turn things around. After years of marriage and owning hundreds of pieces of real estat
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
, we became renters. Normal mindset is that you should buy and not rent but remember no
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
rmal is broke. All these years later, I can see that that was probably THE best sacrifice we made. We w
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
re able to pay off our debts and save money for a house.
Although that’s the smartest and safest route, if your
Although that’s the smartest and safest route, if your
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
heart is set on buying a home you can still do it wisely. But if you can’t pay cash for a house in full,
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
>how do you figure how much house is too much?
Take some time to sit down and do the math. Your mortga
Take some time to sit down and do the math. Your mortga
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
ge payment should not be more than 25% of your take-home pay and you should get a 15-year or less fixed-rate mor
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
tgage. Notice I said a 15-year mortgage, not 30. Don’t be tempted by the smaller monthly paymen
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
s of a 30-year mortgage. The truth is 30-year mortgages are for people who enjoy being in debt so much they want
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
to extend it for 15 more years and pay thousands of dollars more in interest for the privilege!
Now, you can p
Now, you can p
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
obably qualify for a much larger loan than what 25% of your take-home pay would give you. But it’s really
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
g>not wise to spend more on a house because then you will be what I call “house poor.” Too much of your
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
income would be going out in payments, and it will put a strain on the rest of your budget so you wouldn’t be sa
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ving and paying cash for furniture, cars and education.
The point is your house payments shouldn’t take over yo
The point is your house payments shouldn’t take over yo
.
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
r budget. Don’t let your mortgage payments cause you major stress every month for years and yea
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
rs to come. Your dream home needs to be just that, a dream. You don’t want it turning into a financial nightmare
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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