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The old adage says Haste makes Waste, and caution is your only friend. How true such a proverb is when it comes to the world of personal financial planning. Caution mea

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

ns that you stop and look at all options before making any decisions in order to ensure that more often than not the result is a sound decision with a positive outcome.

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

Examples of combination products may in

This step is almost mandatory when dealing with issues of financial planning, 401(k)s, and future money needs like retirement funds, etc. Poor financial decisions can re

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

ult in catastrophic consequences like late payment, a deteriorating credit rating and even bankruptcy.

When investing in real estate for short term purchases, one of the

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

options you may be considering is an interest only mortgage. These can be a tricky investment and so you may want to consult with your financial advisor, before enterin

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

Combination pro

g into a mortgage of this type. And, since it really can’t be considered a piece of your investment portfolio, a will more than likely be part of a business venture or i

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

vestment. This is where the looking at all the options really comes into play. An interest only mortgage is not a good financing option when you are looking at purchasi

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

ng a piece of property for a long-term investment purpose or are going to claim capital gains on the property. Interest-only mortgages are for quick profit transactions.

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

You get in, and you get out. No hanging around in the middle. In. Out. Fast. Easy. Why do I say that? Because interest only mortgages do not allow for an increas

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

in value to you, there isn’t an equity growing measure included so you can’t get more out of the transaction, really; and, your investment debt never decreases.

Short-t

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

erm implications and considerations of interest only mortgages have one main point. The payments are pretty low during the term of the payment, but that is simply becaus

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

Following aspects would a

e the overall liability is never going down. Other than that, this mortgage product really shouldn’t be a regular item of consideration in your financial planning portfo

dd to the challenges in developing combination products:

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

io.

The interest only mortgage offers little in the way of tax deferred savings when compared to the bigger products like IRAs, MSAs, and even 401(k)s. Sure the interes

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

t is tax deductible, but not at a one-to-one ratio. Even SEPs for the self-employed individual can have a one-to-one ratio of tax savings.

Over the long-term financial

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

planning picture, if you were to consider an interest only mortgage in comparison to a regularly amortized mortgage you would see that when the regularly amortized loan i

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

paid out, there is still a long line of payments to be made on the interest only loan. The amount of savings could be quite substantial if you consider the time value o

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

Professional from academic institutions, pharmaceutical industries, health care indust

f money. Time value is easy to understand once you learn it. The basic concept is that the dollar is worth more today than it will be worth tomorrow (history seems to c

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

onfirm this). So money put in savings today, will ultimately be worth more than money you start saving in ten or fifteen years. This is why financial planners urge folk

.

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

to plan for retirement at such an early age instead of waiting until age 35 or 40 to start saving for the future.

While an interest only mortgage may seem like a viable

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

Companies that provide selfless information through particip

option to you, be wary and consider all the other possibilities. Chances are a reputable financial planner will have other options that benefit you more in the long run

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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