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Top Articles - Paying of Your Debt With the Pyramid
You probably didn’t get into debt overnight, and short of winning the lottery or receiving a large inheritance, chances are you aren’t going to get out of debt overnight, either! With discipline and consistency, over t
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
ime you can pay off your debt and be on the road to an improved and more manageable financial situation.
Assess the Situation
While you may have gone blindly down the path to excessive debt, you don’t want to attempt
Assess the Situation
While you may have gone blindly down the path to excessive debt, you don’t want to attempt
; 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
to get out of debt in the same manner. Developing a plan of attack will prove more productive and successful than simply saying you want to pay off your debt. It’s important to be extremely self disciplined and deter
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ined in your quest for a debt free existence.
Start by gathering your most recent statements from each of your creditors. Make a list of each account on a piece of paper, starting with your lowest balance and ending
Start by gathering your most recent statements from each of your creditors. Make a list of each account on a piece of paper, starting with your lowest balance and ending
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
ith the account you owe the most on (like a pyramid, you start with the smallest and build to the largest).
Your list should include the creditor’s name, the total amount owed, and the minimum monthly payment. On ano
Your list should include the creditor’s name, the total amount owed, and the minimum monthly payment. On ano
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ther sheet of paper, make a list of monthly living expenses that must be paid- rent or mortgage, insurance, gasoline for your car or commuting expenses, utilities, etc.
Make another list of all your monthly income, so
Make another list of all your monthly income, so
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
that you know how much money you have to work with and make your payments.
Develop Your Plan of Attack
Once you have your list of creditors, your “pyramid” basically tells you how you will begin making payments. Fir
Develop Your Plan of Attack
Once you have your list of creditors, your “pyramid” basically tells you how you will begin making payments. Fir
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
t, add up all of the minimum payment amounts of your accounts, except for the first one on the list. Add it to the total amount of monthly expenses you pay to get a total of minimum expenses going out each month. Onc
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
you have this number, subtract it from your total monthly income to see how much money you have left each month. This is the amount you’ll send to the first creditor on your pyramid list monthly until that account is
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
paid off.
When the first account has been paid off, you’ll then apply the money you had been paying to that creditor to the next account on your list- and include the minimum amount you’ve already been sending to tha
When the first account has been paid off, you’ll then apply the money you had been paying to that creditor to the next account on your list- and include the minimum amount you’ve already been sending to tha
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
account, also. Each time you pay off an account on your list, the next one will be paid off much faster.
Example list of creditors:
Example of total monthly living expenses: $1200 Example of total monthly income: $2100
In this example, the total amount of min
Example list of creditors:
| Account | Balance | Monthly Minimum Payment |
| Credit card 1: | $475 | $21 |
| Credit card 2: | $895 | $56 |
| Credit card 3: | $1970 | $75 |
| Personal loan | $3000 dd to the challenges in developing combination products: Which markets to tap where the combination products can do fairly well? Which combination prod $150 | |
| Car Loan | $13,500 | $375 |
Example of total monthly living expenses: $1200 Example of total monthly income: $2100
In this example, the total amount of min
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
imum monthly payments (excluding the first account on the list) is $656. When combined with the monthly living expenses, $1856 of the $2100 monthly income is spoken for, leaving $244.
The first month, you would send
The first month, you would send
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
redit card 1 the full $244 and send each of your other accounts only the monthly minimum payments. Month two you would call credit card 1 for a pay off balance, and send the $231 remaining, (plus whatever finance char
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
es remain) to completely pay off the account. During month 3, you suddenly have an additional $244 to send with your $56 payment to credit card 2, making your payments to credit card 2 about $300 each month- so it wou
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
d only take 2 or 3 months to pay that one off!
Once your second account is paid off, you take the $300 you have freed up from card 1 and 2 being paid off, add it to the payment for credit card 3, and send $375 to card
Once your second account is paid off, you take the $300 you have freed up from card 1 and 2 being paid off, add it to the payment for credit card 3, and send $375 to card
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
3 until that account has also been paid off.
You continue paying more and more on each of your accounts until each have been paid off- and this pyramid method of paying off your debt is probably the fastest self debt
You continue paying more and more on each of your accounts until each have been paid off- and this pyramid method of paying off your debt is probably the fastest self debt
.
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
reduction method for getting your accounts paid off.
Important Considerations
In order for this self debt reduction method to work, you must have self discipline and stop charging on your credit cards while you are w
Important Considerations
In order for this self debt reduction method to work, you must have self discipline and stop charging on your credit cards while you are w
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
rking to pay them off. You don’t want to add additional monthly debt while you’re striving to pay off the existing debt. And, once you’ve got your debt under control- don’t run out and charge purchases all over again
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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