Summary - Relationships

Here are 8 Pina Principles to sidestep obstacles, crossover financially, and win in your marriage:

1 - Use Your Strengths

Typically every marriage has a spender and a saver. Generally one person is better

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

at saving. The saver can view the spender as immature and irresponsible. On the other hand, the spender sees the saver as too frugal and a dream killer. Instead of letting it divide you, use the strength of the saver to st

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

Examples of combination products may in

ick to your financial savings plan and build financial security for the family.

2 - Trim the Excess Fat

The average household carries about $10k in credit card debt. To begin eliminating excessive debts y

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

u need more money to conquer the habits that enslaved you. You can gain more money by reducing the "extras" and your living expenses. Cut out the monthly shopping sprees, eating out at extravagant restaurants, stop loaning

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

family and friends money, and increase your insurance deductibles. We had to give up going to Starbucks and Stop & Shop everyday and purchase a home warranty to alleviate unexpected home repair costs. Where can you slash co

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

Combination pro

ts? Every little bit adds up and can go towards paying extra to eliminate your debt.

3 - Be a Team According to a Harris Interactive survey, only 50% of couples maintain combined accounts while 18% keep

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

separate bank accounts. Wow! Only half were team players with their spouse. To win financially utilize a team approach. One thing that has always been true for my husband Stanley and I is that what I have is his and whateve

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

he has is mine. So when I wasn't working, he dipped into his 401k savings repeatedly for our expenses and when he wasn't working, I did the same and carried the load financially. If I ate, he ate. When I paid "my bills," "

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

his bills" were paid in tandem. If I treated myself to something special, I treated him as well. This set the tone for us, in the sense we never fought about this is "my money" or that is your bill. After all, arguing is no

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

going to reduce your monthly debt!

4 - What's the Grand Total? As Stanley and I began to take steps to become financially free, we identified our total debt amount. I'll never forget that day. I called

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

Stanley on the cell phone and said, "What do you think our total debt is?" He guessed a couple of numbers and neither of them were accurate. I couldn't believe the number either. Why? Because we constantly guesstimated our

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

Following aspects would a

debt by saying it's about $20k or we don't have a lot of debt only $25k. It was neither. The truth about your total debt will set you free. Find out your grand total and use it to mobilize your debt free campaign.

dd to the challenges in developing combination products:

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

- Get a Grip

Get a grip and keep track of your money and budget. It can be as simple as an Excel spreadsheet to track income and expenses or a software package such as Microsoft Money or Intuit's Quicken.

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

g>6 - Talk, Talk, Talk

Find a way to communicate in a healthy manner about your family's financial plan and goals. As we know, money can be the number one stressor in marriage. It is what some couples fight about

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

he most. Many of these fights are the result of unclear or unspoken expectations. We strongly urge you to block off time for financial planning and discussions to track progress or lack thereof.

7 - Move Forward No

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

w

I shoulda did "x" or I woulda did "y" isn't gonna get you free in your finances. It's done now. Don't pout about it, blame your partner, or let it paralyze you into inactivity. Think of it like this, the longer

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

Professional from academic institutions, pharmaceutical industries, health care indust

ou do nothing, the longer you stay in bondage. Commit to moving forward now.

8 - Fess Up You need help with your finances. Admit it...things have snowballed into some serious debt and you are in the red.

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

If so, get some help. It could be a combination of a financial planner, securing additional income, or a coach to identify the things you believe about money that are keeping you in debt. In either case talking to an objec

.

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

ive professional partner can ease some of the tension.

Being in a financially out of control relationship is no fun and certainly isn’t glorious. If you need the professional help I referenced in this article, get it and g

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

Companies that provide selfless information through particip

et financially free. There is help…even some professionals come to your home. So what's your excuse now?

Limitlessly free,

Karen M. Pina

GOD's Coach

(c) 2007 Gifts Ordained By Direction/Karen M. Pina. All Rights Reserve

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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Today the internet is full of resources to help you find the best refinance mortgage rate in Florida. In the old days, we had to go from bank to bank looking for the best rates on a mortgage. Now, with the help of the internet you can shop for a home loan right from your computer.

188 Stage Hero's Journey (Monomyth) you need to know about....Walk the Line (2005)

In this article, Michael teaches us that, according to Scripture, God DOES have a favorite religion. Despite what so many may be thinking when they hear that comment, God's scriptural idea of religion has nothing to do with any man-made organization.

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