Others - Finance

Most people advocate the case of credit cards, quoting the benefits and convenience that arises from them. However, there is another group/line-of-th

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

ought that strongly opposes credit cards. The reason being ‘Excessive Credit Card Debt’, which is one of the most serious problems faced by the credi

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

Examples of combination products may in

t card holders and credit card industry. However, you can’t pull the shutters on the credit card industry just because of a few irresponsible people

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

(or even if it’s more than few). That is not a solution for beating excessive credit card debt. Moreover, you can’t overlook the benefits associated

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

with the credit cards.

The issue of excessive credit card debt can be looked at from 2 angles. First is addressing of the excessive credit card debt

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

Combination pro

problem at the industry level and second is the addressing of the excessive credit card debt problem at the individual’s level i.e. at the credit car

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

d holder level. The first method involves increasing awareness of the excessive credit card debt problem to the masses. This is more or less being do

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

ne currently too. However, there should also be an effort to tackle this problem of excessive credit card debt at an even deeper level. This means tr

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

ying to devise a mechanism to nip the problem (of excessive credit card debt) in the bud. This mechanism should actually be a part of the overall sys

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

tem. A lot of thought needs to go into devising such a mechanism. Case studies should be taken up, statistics gathered and a proper forum formed (wit

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

representatives from the credit card holders and from the credit card suppliers). As of now, the credit card suppliers just seem to be engaged in co

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

Following aspects would a

ming out with new products and getting customers enrolled to those products. There is little attention paid towards addressing the problem of excessi

dd to the challenges in developing combination products:

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

ve credit card debt in the real sense. Something like attending mandatory seminars on the root causes of excessive credit card debt could be made par

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

t of the credit card application process.

Another way of dealing with the problem of excessive credit card debt could be: developing a system for ca

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

lculation of applicable credit card limit at the individual level i.e. no standard/product-based credit limits. Then there could be mechanisms for pr

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

actively warning the users about excessive credit card debt (based on their credit card usage) or even imposition of early restrictions on noticing t

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

Professional from academic institutions, pharmaceutical industries, health care indust

he first signs that lead to excessive credit card debt.

At the individual’s level, the treatment of the problem of excessive credit card debt would

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

include following of best practices (on credit card usage and avoidance of excessive credit card debt) by the individuals themselves. A checklist or

.

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

a set of questions could be provided to individuals for recognising the first signs of excessive credit card debt.

So, the problem of excessive cred

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

Companies that provide selfless information through particip

it card debt can surely be dealt with by putting together some serious thinking at a broader level together with discipline at the individual’s level

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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A good advertising campaign will reach your target audience and talk to them on a personal level. This has a valuable effect on your sales and reputation. A great advertising campaign will do more than that. It will create a buzz outside of your target audience.

This one is second in a series of articles discussing different ways of making money even without a website. This is about benefiting from freelancing and ghostwriting.

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