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Let me start by giving you this idea to ponder. Which decision do you think the bank would consider - giving you a mortgage loan to purchase a home or a personal loan to go off and play

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

the stock market? Even if you invest in the proverbial "cannot miss" stock there is no guarantee the stock will not crash at some point and become worthless. That property you may have b

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

Examples of combination products may in

ought? It's still there and is far less likely to lose money than the stocks. Stocks are intangible while real estate is something you can walk up to and dig your fingers into, smell and

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

taste if you are so inclined. Your loan officer can drive by every day and look to see it is still there.

Need to get another loan. You can use the property as collateral. It is much m

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

ore difficult to do that with stock.

How many advertising pieces have you received offering you money to gamble in the stock market? How many newspaper ads have you seen or emails have

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

Combination pro

ou received offering mortgage financing? Hundreds if not thousands. I cannot recall ever getting one piece of advertising offering money for nothing to use in the crap shoot called the s

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

tock market.

Have you compared lending rates between personal and mortgage loans? That in itself is shocking when you consider how much it costs to borrow cash versus home loan funds. B

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

anks know you are not going to crank up your home and leave for parts unknown. Property is by far the safer investment so the bank's loan officer is much more likely to smile and write a

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

mortgage check.

Here is more food for thought. What are the possibilities of locating an undervalued property or an undervalued stock? Real estate can be undervalued for any number of

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

reasons. People move on the average every five years now. They want to move up the ladder. They want to move the house they are in quickly and will take the first reasonable offer. Divor

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

es and estate sales are two more arenas to find property bargains. A family member has passed on and their heirs want to liquidate everything pronto so they can get their piece of the es

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

Following aspects would a

tate. You can find some very motivated sellers here. In a divorce situation the estranged couple the end cannot come quickly enough. I agree these tactics may strike some as tacky, but c

dd to the challenges in developing combination products:

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

onsider that the property will be put back into use by some grateful family. You are providing a service and you are in the business to make money.

Remember that stock? I am sure you co

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

uld find great reasons why it is undervalued. It may be in the research phase and is expected to pay off in the end. There may be a takeover looming. It is up to you to look at all the i

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

nformation on the stock and determine if it is undervalued. That is of course if you can get your hands on the information.

One final thought on why I think real estate is far better to

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

invest in than stock. Let us assume you purchased a home in an up and coming area for $150,000. The city comes in and puts in landscaping, new sidewalks, a park, and a number of other im

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

Professional from academic institutions, pharmaceutical industries, health care indust

provements. The house has appreciated in value to $250,000. Let's say your stock has appreciated and is now worth $28,000 from an initial $20,000 investment. Which of these do you think

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

will be easier to access the profits without disturbing things?

With the home you can refinance and draw on the equity generated from the appreciation. With the stock you are going to h

.

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

ave to sell some of it. You will have to pay taxes on what is sold. There are no taxes on the home equity you pulled out.

Now before some of you stock market experts get all up in arms

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

Companies that provide selfless information through particip

let me state here that you can, and countless have, made enormous wealth in the market. But speak to any savvy investor and he or she will tell you their best gains were from real estate

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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American Eagle Outfitters and Wet Seal Stores have issued financial statements about company turnarounds needed to cut sales loses. This kind of story occurs far too often: a business disconnects from their customers because the company either wants to sell to a larger customer base or they want to upgrade to a more prestigious look. This article looks at the three vital steps any organization needs to take BEFORE they make a change in their strategy.

This is the first of a series of articles that you can add to your toolbox of business building techniques.

9/10 times your web site visitors won't stay for more than 15 seconds. This is how you get them to stay, or should I say, get them to come back! For most of you, your web site is a great brochure. It...

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