Useful Articles - Real Estate

So you are thinking of buying a home? Here are some questions to ask yourself:

What is the most important reason to buy a home?
When you think you have found your home, how will you know?
How important is

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

the neighbourhood? Here is a little quiz I pulled from a book by Suzanne Whang who is the host of HGTV's House Hunters.

True or False

You must have a licensed real estate agent in order to write an off

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

Examples of combination products may in

r on a house?

A buyer negotiates the commission with the real estate agent prior to purchasing a home?

There is no cap on the commission that a real estate broker can charge on a sale?

A buyer must have 3%

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 the purchase price in cash to place down when submitting an offer?

Title insurance may be optional when buying a house?

Title insurance will protect a buyer in the event of a landslide that damages the property?

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

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When buying a home, the new buyer must take out property insurance at a value that equals the cost of the home.

After choosing an agent, the buyer must remain with that agent for six months. Should the buyer purch

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

Combination pro

ase a home from another agent during that time, the buyer owes the original agent full commission, or at least a 25 percent referral commission?

When a buyer signs an offer to purchase and gives a cheque to the agent as se

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

urity, the agent may deposit said cheque in his real estate account until otherwise notified. Answers:(1) False (2) False (3) True (4) False (5) True (6) False (7) False (8) False (9) True

As a home buying consultant I

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

help people understand the real estate world. I am not a real estate agent but my job is to take my clients through the A to Z of home buying. The main things you need to know before buying are:

What can you afford? Do

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

ou know what your financial position is?

What are you looking for in a home? Make a list.

You need to look at the pros and cons between renting and buying. There are people out there who are very content with r

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

enting and see no need to purchase. When I decided to buy my home the biggest pro was to be able to put my personal touch on it. I was tired of renting apartments and houses that all had the 'basic white' theme throughout. I co

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

sider myself a creative person and needed to express that through my living space. I was also very sick of paying someone else's mortgage!

On the Pro side to renting, if anything goes wrong it just takes one phone call and someo

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

Following aspects would a

e comes and fixes the problem. Well, it is not always that easy, we have all had landlords at one time or another who just didn't want to fix anything. I have heard some horror stories from tenants about this. The point is, you

dd to the challenges in developing combination products:

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

never get the bill, and it is someone else's problem to fix. Owning a home, you always get the bill. So you need to make sure that you have a home inspector check out the home and keep in mind that you should have a house fund

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

or the problems that will no doubt arise. I prepared myself by becoming knowledgeable on minor home repairs there are so many good books out there to show you the basics.

Each person needs to make their own list and see if home

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

buying is something you really want or are you just doing it because you think you should. Here are a few things to start your pros and cons list, you decide which side they go on:

planting roots
spending money
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
i>
building equity
privacy
landscaping
repairs
upkeep
having a pet that you don't have to hide
decorating in your own style.

Here is an example of the pros and cons of r

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

Professional from academic institutions, pharmaceutical industries, health care indust

enting

Pros

no responsibility of repairs
no property taxes to pay
can often rent in a better area than you can afford to buy
no landscaping duties (cutting grass, weeding, shoveling)

Con

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

no equity
no long term security
no tax deduction
limited freedom to decorate/design/customize
restrictions on pets, guests, etc.
rent increases
limited parking
loud

.

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

people who share your walls, floor, ceiling

When you decide that you really do want to own a home, the next step is to decide how you are going to go about it. Do you have the down payment saved? Do you have the money

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

Companies that provide selfless information through particip

in the bank for the closing costs? (They are usually 1.5% of the purchase price). Buying a home is one of the most important purchases you will make so you need to think things through carefully and have a plan of action in place

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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Start small, STAY FOCUSED, and progress slowly. This is a business, after all, and businesses need to grow. But you'll see results faster, in my opinion, if you FOCUS.

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