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Top Articles - Lower Interst Rates Will Not Solve The Housing Debacle
The bear trap has sprung.
John Q. Homeowner seemed unaware that his foot was in the bear trap and that he willingly put it there. Lu
John Q. Homeowner seemed unaware that his foot was in the bear trap and that he willingly put it there. Lu
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
red on by promises of 1% financing and no money down millions of folks who lusted after owning their own home signed papers without a
; 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
hought to the future.
Real estate agents and mortgage brokers enhanced their dreams by allowing hundreds of thousands of buyers to fa
Real estate agents and mortgage brokers enhanced their dreams by allowing hundreds of thousands of buyers to fa
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
sify mortgage applications. The fireman, policeman, school teacher or any category you might wish to name were fudging their gross pay
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
All parties to the transaction knew it.
The lure of no or little down payment and a mini-monthly payment (for a while) was too great
The lure of no or little down payment and a mini-monthly payment (for a while) was too great
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
. The fine print has suddenly jumped into bold and payment amounts will double and triple. That $400/month payment has jumped to $1,20
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
and the home buyer knows he can’t make it.
What to do?
The bank or mortgage company does not want the house. Sometimes they will ac
What to do?
The bank or mortgage company does not want the house. Sometimes they will ac
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
ept a lower payment, but many will not. The mortgage maker has stockholders and they want to see a return on their investment. Too bad
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
for the home owner. He is evicted under a foreclosure.
Will lowering of interest rates by the Federal Reserve solve this problem?
No
Will lowering of interest rates by the Federal Reserve solve this problem?
No
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
.
Why?
The banking system funded by Wall Street which allowed the low, low down payments and looked the other way on “truth in lendi
Why?
The banking system funded by Wall Street which allowed the low, low down payments and looked the other way on “truth in lendi
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
g” for applications are now the very ones who insist that all applications be verified. No more hanky panky.
That 1% mortgage may be
That 1% mortgage may be
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
efinanced at 5, 6, 7% or more, but the owner must now tell the truth. When he tells the truth he will not be able to qualify for a new
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
mortgage so…….foreclosure. Lowering interest rates will not solve anything because there are not enough people who can qualify under t
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
he truthful rules.
Joe Sixpack who makes $50,000/year will not qualify for that 3 bedroom, 2 car garage brick house when refinancing
Joe Sixpack who makes $50,000/year will not qualify for that 3 bedroom, 2 car garage brick house when refinancing
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
s required.
Currently there are more than 2 million vacant homes in the US not counting condos. Because of the millions of mortgages
Currently there are more than 2 million vacant homes in the US not counting condos. Because of the millions of mortgages
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
ue to be refinanced this year that number could easily double or triple. The reason is more than 20% of all mortgages made during the
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
ast 2 years were sub prime and to date 12% are in the foreclosure process.
The Fed will continue to print money out of thin air, but
The Fed will continue to print money out of thin air, but
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
the banks under the tighter regulations will refuse to lend. This credit contraction which will ultimately cause a severe setback in t
.
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
e stock market. When the dominos begin to fall it could easily be a comparison to the decline of 2000. That took 3 years to bottom. Th
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
re is no way to know how long this might last.
We have not seen the worst of this scenario. Lower interest rates are not the solution
We have not seen the worst of this scenario. Lower interest rates are not the solution
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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