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Buying a new car can be a costly mistake if you don’t do your homework. Here we show you how to do the research, and why buying a brand new car can cost you more than you think.

Let’s face it. Most people spend a week or more planning a vacation

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

but do absolutely no research on how to buy a car, where a single mistake can cost you thousands of dollars!

There are several things you need to know before shopping for a car. If you do your research right, it will be easier to deal with the s

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

Examples of combination products may in

alesperson who rarely has your best interest in mind.

Consider this: Car salespeople are TRAINED salespeople. They are taught everything from how to greet you so you can trust them, to how to sugar-coat potential problems, to how to convince you

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

that this is the best car you can buy. And, above all, they are trained to overcome any objection you throw at them. They know them by heart! The result? If you are not prepared, you will feel like a small fish swimming with sharks. You will lose,

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

big time. A lot of money.

Now, where should you start? A great place to start is the internet. There are several car-buying websites that will help you and educate you on everything you need to know to buy the right car, at the right price. More

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

Combination pro

about that in a few moments.

I mentioned before that buying a brand new car can be a costly mistake. Here is why:

Let’s say you are considering buying a brand new car that costs $22,000. If instead you consider a similar car that is 2 to 3 year

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

s old with low mileage, you could expect to pay around $15,000 to $17,000, saving 25% or more! Besides, if you buy a new car, it depreciates substantially the moment you drive it home.

Now, if money is absolutely no issue in your life, then by al

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

l means go ahead and buy a new car. But for most people, buying a slightly used car makes better financial sense.

The problem is that we have been conditioned for so long to believe that it’s the “American way” to buy the latest and greatest. We

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

believe that the car we drive is a reflection of how successful we are, and we want people to notice. But in reality, this way of thinking is killing us financially.

Best ways to buy a car:

- Do your homework. I cannot stress this enough. You ha

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

ve to know exactly how much a car is worth before you leave your house. There are plenty of services that can help you in your research, like Consumers Reports, Experian Autocheck (in case the car was involved in an accident), carbuyingtips.com, E

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

dmunds.com and many more. See our website for more information.

- Shop for a loan BEFORE looking for a car. Go to your bank or credit union, where you will get a much better rate than at a dealership. This will give you a great deal of power when

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

Following aspects would a

negotiating. (Otherwise they may say, “Well, you know, we can’t give you that interest rate with YOUR credit score”, no matter what your credit score may be, and you will end up paying extra money every month!). But don’t mention that you have y

dd to the challenges in developing combination products:

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

our own financing until you’ve agreed on the final price.

-Try to avoid financing your car for more than 4 years. The reason is that in a few years you may owe more than what the car is worth.

- If you buy a new car, the instant you drive it off

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

the lot, it will depreciate between 15 and 25%. It makes more financial sense to buy a 2-3 year old car.

- You can save a substantial amount of money by buying your car from a private individual rather than from a dealership, where there are bi

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

g commissions involved. Be sure, however, to have the car inspected by a mechanic you can trust before your final commitment. If you do go to a dealership, again, do your research. Check the Better Business Bureau to see if they have complains aga

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

inst them and how those complaints were handled.

- And, by the way, you can save another substantial amount of money by selling your used car to a private individual instead of selling it to the dealership. A dealership will offer you $800 for a

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

Professional from academic institutions, pharmaceutical industries, health care indust

car worth $2,000 so they can make $1,200 profit when they sell it to the next person.

- If you don’t feel comfortable negotiating, bring along a friend who is. You can buy them lunch and pay $20, but save hundreds of dollars or even thousands!

-

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

If you are a woman, be ware. It has been shown time and again that women end up paying more for cars. Take along a male friend whose only job need be to frown and shake his head now and then.

- And finally, when you pay off your car, don’t ru

.

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

sh to the dealership to buy another one. Enjoy at least a few months with no car payments, and use that money to pay off other debts.

Remember, buying a car is an important commitment, so do not take it lightly.

Make sure you check out our websi

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

Companies that provide selfless information through particip

te with more tips and resources on how to get out of debt. Get free information, tips and resources at http://www.overcome-debt.

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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