Write You - Finance

Debt management trouble ... interesting title for a page, huh?

Here's the thing. Things that I recall from my own limited experience of being (only) knee deep in debt and during my time

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

as a mortgage adviser are all overshadowed by one thing. Worry.

Generally, I am a very (probably overly) optimistic person. Almost always happy and living life to the full. But I remem

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

Examples of combination products may in

ber very clearly being worried by my debts. It did get me down. It was upsetting. It made me eat more, for comfort. That made me gain a few kilos which made me feel more sorry for myself

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

.

And yet I view myself as being rather lucky. Why? My debts were caused in the main by an errant and untrustworthy business partner, followed by the financial burden of a new business

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

with no capital (he had stolen much of it and run up other business debts besides). I could at least look in the mirror each day and feel no personal guilt about my debts. I felt that my

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

Combination pro

debts and debt management trouble were not of my making.

You may not be so lucky. The debt management trouble that you find yourself in may be of your own doing.

Remembering how my de

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

bts made me feel causes me concern for others. If my own, pitifully small, debt burden could have a mental impact on someone as sunny as me, what could it do to someone of a less rosy di

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

sposition. And, what might bigger debts do to the situation? If someone really owed tens of thousands too many, that could cause feelings of hopelessness quite easily, I imagine.

If I r

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

ecall how some of my clients felt, it was clear to me that the debt burden they carried was literally that - a burden. It really does have a mental impact and it isn't positive. Back the

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

n, I didn't fully appreciate the pain that debt management trouble can cause.

I'm not going to roll out some pithy platitude or other to try and give you a pep talk. You can do that you

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

rself. I wouldn't be so condescending. However, please just remember that you are not alone. In fact, there are lots of people with debt management trouble and problems. It is estimated

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

Following aspects would a

that the USA currently has over 55,000,000 - yes 55 million - people with debt 'issues'. That is a lot of people and one heck of a big special interest group.

So there are support group

dd to the challenges in developing combination products:

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

s out there. Local and national groups offer guidance and advice. You can find details of a few on other pages of this site. If you need to, speak to someone. Even if it's only a friend

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

offering you a shoulder to cry on and some moral support - you don't have to battle on alone.

When we are down, we often feel alone and helpless and that often isn't the case at all.

B

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

ack in late 2004, a friend of mine committed suicide. I hadn't seen him for about 2 years (but in my defence, I had moved abroad). He was in his mid 30's (34 I think) and had recently sp

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

lit from his long term girlfriend. I'm not 100% certain, but I believe that was the cause.

I didn't find out about the service until 2 days before and that is precious little time to pr

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

Professional from academic institutions, pharmaceutical industries, health care indust

epare for even nearby international travel. My sister did however attend. She tells me that the church was 'packed' and there was barely room to stand. He wasn't even that nice a guy! He

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

was destructive, a womaniser, often drunk and had a well earned reputation for fighting.

Yet if all those people were willing to attend his funeral, there must have been many people wh

.

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

om he knew that would have offered him support - if he had only asked. It doesn't need to be that way.

If you have debt management trouble and need to lift the weight on your shoulders,

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

Companies that provide selfless information through particip

even if only for a little time - SPEAK TO SOMEONE. As long as you don't choose your boss - I doubt it will hurt. Don't suffer alone. There is always someone willing to help you through.

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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