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How will you react if you get a call one fine day from the collection agency stating that you are liable for charges on your account that have not been made by you? You will definitely get angry, lambast the credit card com

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

pany and take the legal course. The damage however will be done by that time, and your credit rating will have taken a beating. What you will be doing is losing your time and money pursuing a legal case, while the person wh

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

Examples of combination products may in

has scampered with your credit card money will be making merry and waiting for his next strike.

Identity theft is an emerging crime where some one gets hold of your private information and assumes your identity. He applie

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

s for a credit card in your name and wreaks havoc with your credit file and personal finances by using the card for purchases and online transactions. He can even process an address change, ask for a credit line increase, d

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

balance transfers in your name and mess your credit rating. In the end, you are the one who has to pay, literally speaking. Taking care of your credit card and keeping confidential information private is really your respon

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

Combination pro

ibility. Here is how you can ensure that your credit card information is kept secure and confidential:

1. Subscribe to a credit monitoring system: This is the best bet against any kind of identity theft. For a nominal amou

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

nt, you get a service which alerts you of any possible untoward changes which happens with your credit file. For example, Citicard has started with the City Credit Monitoring System which alerts you of any changes or discre

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

ancies in your credit file so that you come to know that the change like an address change or an application of a credit card has been initiated by you and not somebody else. This way you can be secure that your credit rati

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

g is not affected and you stay clear of any identity theft on your account.

2. Online security: The online route is another way by which miscreants can cheat you by using your credit card number and expiration date to make

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

an online purchase. At other times, a nasty hacker can sneak into the online store’s website and steal your credit card information either as you key in the details or from the customer database. However online shopping is

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

the best place to shop in terms of convenience and affordable prices. So how does one shop freely online and without any worries about being robbed? The best way is to shop from a reliable and ‘secure’ site. Go for a websi

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

Following aspects would a

e which asks you to re-enter your personal details every time you shop rather than the one which recommends you to store the information for convenience later. The extra effort of re-entering details is agreeable for the p

dd to the challenges in developing combination products:

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

rivacy of your personal information.

3. SSL technology: Secure Socket Layer (SSL) technology is the best security online. The shopping and business websites online are kept secure due to a program which encrypts the data i

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

such a way that only you can make out what you are doing on a given page. It is encrypted in a machine read level which cannot be comprehended by any other person besides you and the computer. Your credit card details are

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

xtremely secure and there is no way for anyone to get any access of your valuable information. To find out if your online shopping website has the SSL technology is by looking at the URL or the webpage address. If it begins

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

with "https://" instead of the usual "http://", you know that the page which you are keying in your details is secure. The extra “S” in the https stands for ‘Secure.’

4. Verification code: The three digits at the back of

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

Professional from academic institutions, pharmaceutical industries, health care indust

the card above the signature panel on most credit cards make it known to the online retailers and tele-shopping representatives that the card is with the right person.

5. Shred vital information on paper: Make it a point t

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

shred every bit of credit card information, pin numbers, promotional mails and checks after you have used them or made a note of them. This will ensure that your credit card information is secure.

6. Authorization code: Y

.

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

ou get an authorization code for every payment or shopping that you do online or over the telephone. This code is something which only you have knowledge of.

7. Make sure that your unused accounts are indeed closed: Check

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

Companies that provide selfless information through particip

ith the credit card companies and credit reports to ascertain if some of the credit card accounts that you do not use have indeed been closed. If they are still lying open, they can be a potential source for identity thefts

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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Going into the franchise business might be a very good idea for you as it is one of the popular methods of doing business today but when you do a search of the available franchise opportunities, choosing one among the hundreds might be a daunting task.

It used to be that the biggest staffing problem organisations had to deal with was high turnover. Today, the real issue is engagement ... finding a way to get staff to do more than just turn up to work physically. It's about finding ways to engage them mentally and emotionally. It's finding a way to take a stale attitude and freshen it up.

How many consumer loans and open charge accounts do you have? What are the current balances on these accounts? The lender wants to know how much credit you have and how much you have used. Research has shown that the number of credit accounts you have as well as how much of your available credit is used is important.

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