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Just Other Articles - Credit Cards - To get or not to get, that is the Question!
Are credit cards good? They definitely are a major convenience. The question is; are they worth the conve
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
nience?
First; the advantages and disadvantages. The advantages are the fact that you do not have to carr
First; the advantages and disadvantages. The advantages are the fact that you do not have to carr
; 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
y cash around. This is a lot better, if somebody steals your credit card, there is generally a decent prot
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ection, however, if you are carrying cash, then you lost whatever you had.
Another advantage is the rewar
Another advantage is the rewar
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
ds that you get from the credit cards. Upon average, the return is around 1%. It really depends on the pla
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
n, because you can get up to 5% cash back( although I would not bet my horses on it.) However, the cost ma
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
y outweigh the benefit. If you are late on any big payments, it may just cost you a lot more than one per
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
ent of your credit card spending.
Now we get to the most hated and loved advantage of credit cards. Who n
Now we get to the most hated and loved advantage of credit cards. Who n
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
eeds money, we can still splurge on things that we cannot afford, as long as we have credit! But then we p
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
ay. If you are not careful about your card, you can get hit with about a 33% interest rate per year!
So b
So b
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
e really careful! If you want, you can try to find a card that has a 10% interest rate per year, so you do
ding difficulty in defining their combination products and facing various challenges from selecting a combination to marketing it.
Following aspects would a
Following aspects would a
not have to have a steady income from month to month, and if you pay a month late, you only pay .85% of y
dd to the challenges in developing combination products:
Which markets to tap where the combination products can do fairly well?
Which combination prod
Which markets to tap where the combination products can do fairly well?
Which combination prod
our balance. However, there does not have to be a tradeoff. Some of the cards have very good reward progra
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
ms, and a very low “APR” rate. So if you are addicted to the thrill of getting rewards, and are worried th
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
t you may not pay the balance in full there are still many cards to fit your desires.
Let’s do the math.
Let’s do the math.
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
Let’s assume that you are getting a 1% return on what you spend on your card. Let’s say you spend two thou
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
sand dollars a month on your card. You leave a balance once a year on your card. That is two thousand doll
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
ars, and ten percent is two hundred dollars. However, overall, you have gotten an extra two hundred forty
.
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
dollars for using your credit card, so you have not lost.
It all depends on how timely you are. So make a
It all depends on how timely you are. So make a
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
n excel sheet and pump in all your numbers, and see, do you really gain from the card that you want to get
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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