Write You - Finance

News at the start of October 2006 provided some shocking numbers about the state of personal finances in the UK.

The a

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

verage Briton owes ?3,175 in unsecured debt. The European average however is just ?1,588. This means that the average B

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

Examples of combination products may in

iton is now in twice as much debt. Should we be concerned about this?

In 2005, Europeans borrowed around ?600 billion

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

of unsecured lending, but the UK share of that was ?215 billion. The average 18 to 24 year old owes ?2,860 but many hav

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

debts of over ?5,000.

In part, this can be blamed on the super competitive financial services industry. In a bid to c

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

Combination pro

ompete, personal loans, store cards and credit cards are easier to obtain and the interest rates charged are more compe

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

itive. This price war is intense between providers and consumers have literally 'filled their boots'. There are now mor

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

e credit cards in the UK than there are people! Yet in France, credit card borrowing accounts for just 1.6% of lending.

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

If mortgages are included, the debt levels rise substantially. The mortgage market is equally competitive and a combin

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

ation of historic low interest rates, lenders fighting for business and rising house prices has enabled individuals to

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

orrow ever more. It is now believed that the average borrower spends 51% of his monthly income on mortgage repayments.

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

Following aspects would a

Sooner or later this debt will need to be repaid. This may seem obvious, but it isn't always that clear to borrowers wh

dd to the challenges in developing combination products:

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

o are over spending.

As costs rise generally, borrowers are facing a squeeze. Oil prices have been at record highs, in

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

lation is rising and the Bank of England made a surprise increase in interest rates in August to 4.75%. The average fue

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

l bill in the UK has risen by 30% in a year. As you may be aware, wages are not generally rising that fast. Factors lik

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

these will have an impact on household budgets. The only real question is when will the damage be felt?

Bankruptcies

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

Professional from academic institutions, pharmaceutical industries, health care indust

and missed mortgage payments are starting to increase in number which is a sign of things to come. The citizens Advice

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

ureau recently announced that they believed that 770,000 mortgage borrowers had missed one or more monthly repayments i

.

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

n the last year.

Should borrowers begin to do the sensible things and cut their borrowing and rebuild their savings, e

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

Companies that provide selfless information through particip

onomic growth may be threatened. This may have an impact on house prices, consumer spending, tax revenues and much more

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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