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Just Other Articles - Credit Rebuilder Program (4th in a 5 article series)
Step 3: Save For Good Credit!
Did you know you can use a savings account to establish
Did you know you can use a savings account to establish
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
or repair your credit?
Follow these 5 simple steps and you can start to rebuild your credi
; 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
t right away!
1. Open a Credit Union Savings Account
Call your local credit union te
1. Open a Credit Union Savings Account
Call your local credit union te
lude drug-coated devices, drugs packaged with delivery devices in medical kits, and drugs and devices packaged separately but intended to be used together.
ll them you want to open a savings account. Depending on the credit union you may need about
here is enormous increase in the number of combination products entering the market in the recent years. Combination products have proven advantages but fixe
$500.00 to make this program work. If you don’t have enough cash yet, don’t wait. Open your a
d dose combinations are still in the process of convincing regulatory authority on their advantages over the single ingredient formulations.
Combination pro
Combination pro
ccount with the minimum requirement and begin to deposit as often as you can.
2. Take out
2. Take out
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
a Loan Secured by Your Savings
Once your account is open and has the minimum savings re
Once your account is open and has the minimum savings re
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
uired, take out a Secured Share Loan. This loan will be secured by your savings. In most case
nation products and maximize the revenues. But the companies involved in this practice are overlooking that they are burdening the patients both economically
s you can choose any repayment terms you like. I advise a 12 month repayment. Once you have o
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
nly 10 months left, most lenders will not count the payment against your debt load!
3. De
3. De
ts. Some of the combination products were well accepted by physicians while others suffered. Companies involved in development of combination products are fi
posit the Loan back into Your Account
Don't go on a shopping spree! Have the loan funds
Don't go on a shopping spree! Have the loan funds
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
deposited back into the savings account. Now your account will show double the amount you pla
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
ced in savings... For example: $500 for your savings (the secured amount), and $500 from your
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
loan.
4. Set up Automatic Drafts to Pay Back Loan
Have the monthly payments for the
4. Set up Automatic Drafts to Pay Back Loan
Have the monthly payments for the
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
loan drafted from your savings account. Now the loan is repaying itself! Add just enough mone
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
y to cover the interest on the loan. One great feature of this program is that if you ever ne
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
ed your $500 for an emergency, simply have the loan completely paid off with the remaining lo
y and representatives from various regulatory agencies are working out to design the regulatory requirements for manufacture and sale of combination products
an funds in the account and your savings will be released... With no additional debt!
5.
5.
.
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
Rebuild Your Credit... Using Your Savings!
Try to find a credit union that reports to AL
Try to find a credit union that reports to AL
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
L three major credit bureaus... Equifax, Experian and TransUnion to bring up the middle score
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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