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Credit card offers can fill up your mailbox within days if you don’t check your mail on a daily basis. Pull more than hal

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

f of your mail to the side and it is likely peppered with offers from leading credit card providers extolling the virtues

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

Examples of combination products may in

of their product. Most offers will include points such as these:

• Free Balance Transfers and 0% APR for the first 12 m

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

onths
• No Annual Fee
• Free Rewards Program
• Low APR
• Consolidate Your Debt
• Instant Approva

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

On and on the offers come and on surface there isn’t a lot that separates one card from the next. However, if you dig a

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

Combination pro

little deeper – by reading the extensive terms and conditions that come with each offer – you will see that wide differe

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

nces exist, dramatically so. Read on and we’ll take a look at what you should examine when weighing your offers.

Balance

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

Transfers – At first glance, this sounds like a terrific offer: transfer all of your balances to the credit card and pay

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

0% on that balance for 3, 6, even 12 months or a very low fixed rate for the life of the balance. One offer guarantees th

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

at you can pay just 2.99% until your loan is paid off, well below the rate of a personal loan and far below the average 1

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

8.9% most consumers are paying on their cards. Still, you may have to pay a balance transfer fee and that rate can quickl

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

Following aspects would a

y triple or quadruple if you are late even one time.

Low APR – You may be enticed with a very low introductory APR, perh

dd to the challenges in developing combination products:

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

ps even 0%. Play it right and your purchases can be “interest free” for a period of time. Check the offer closely as your

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

unpaid balances could suddenly surge to 10, 15, even 18 percent or more if unpaid by the time that the introductory peri

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

od ends.

Free Rewards, Or Not – No rewards program is ever worth it if you run monthly balances on your account. Easily

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

the interest rate you pay will cancel out your points and then some. Play the rewards game wisely to get valuable prizes

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

Professional from academic institutions, pharmaceutical industries, health care indust

ou can live with.

Instant Approval…Sort of – You can get instant “tentative” approval for a card when you apply online b

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

ut don’t expect to get to use your card until it arrives in the mail. The credit card company will still have to pull you

.

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

r credit reports before an official approval is granted.

So, enjoy your credit card offers but examine them closely. The

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

Companies that provide selfless information through particip

re is often more to them then meets the eye; read it carefully to make sure you fully understand what you are agreeing to

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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While regarded by many as an imperfect way to choose a new employee, interviews are used by almost all organisations irrespective of size or sector. You may not like the process and indeed some fear interviews intensely however to get that crucial first job and to move up the career ladder you must become not only comfortable in the interview room but also learn how to become an excellent interviewee.

When you speak of the concept of design as it applies to marketing, there are some general concepts that you need to keep in mind. The first is that the design used in your advertising material is going to have a very large impact on the way that potential customers view your business.

Email marketing is one of the most, if not, the most targeted marketing method today. Your customers are asking you to market to them on a regular basis. They're asking you for news, promotions, special offers, coupons, and more.

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