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Retirement Planning - you're never too old.

With retirement pensions reduced, ageism being outlawed, skills shortages, will there be a renaissance for the older worker?

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

There are loads of opportunities for retirement jobs.

Crafts men, plumbers, carpenters, builders, interim managers, consultants, coaches, mentors, there is an ever growi

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

Examples of combination products may in

ng list of opportunities. More and more people are starting to see that retirement is not a must. They are setting self employed employment plans and 'going for it'. Grea

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

t!

Age is a serious business. Growing old is better than the alternative but increases in life expectancy have to be paid for. It seems without longer working lives and

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

ater retirement that many could face a miserable future. Retirement jobs may be an opportunity for the older worker now but may also be an issue for the not so old, who w

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

Combination pro

ill need to plan for eventual retirement.

In the UK only 28% of those aged 60 are in any kind of employment. 40% of people who retired early felt they were pushed and wo

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

uld rather work. There is good news, and opportunity.

It is forecast that in the next 20 years the number of workers aged 20 to 29 will reduce by 20% while the number of

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

workers aged between 50 and 64 will increase by 25%. This change is being driven by reductions in the birth rate and greater longevity.

What does this mean for everyone

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

regardless of age?

OPPORTUNITIES! Huge OPPORTUNITY!

All trades craft, plumbers, carpenters, builders, interim managers, consultants, coaches, mentors, secretaries, inno

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

vative online businesses, there is an ever growing list of opportunities. More and more people are starting to see that retirement is not a must. They are setting self em

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

ployed employment plans and 'going for it'. Great!

Recent research has revealed that the over 55's are the most likely to come up with new ideas on a daily basis. I have

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

Following aspects would a

long contended that we are the people who still have a contribution to make provide we adopt the right mind set. Yes I'm a silver head.

A friend of mine is currently wi

dd to the challenges in developing combination products:

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

ding down his business activities after a long and successful period as a manufacturer and retailer of men's clothing. Because of my consulting background we talk a lot a

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

nd it really grates when he repeatedly justifies an action saying "at my time of life I don't want this or that". He is justifying his withdrawal to himself on the ground

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

s of age.

Ageism is nonsense (as I've told him). In another survey more than 50% of people felt that they had been discriminated against, and more. 39% believed that the

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

y had been blocked from promotion because of ageism. At age 28 "you are too young" was used against me - so it does happen.

'Too old', 'too young', what drivel. If you h

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

Professional from academic institutions, pharmaceutical industries, health care indust

ve a contribution to make equal to the demands of the job age should not be an issue. Get that firmly in your mind and set out to grab the opportunities. Employment or se

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

lf employment it's surely up to you.

Why not set a small business retirement plan?

As we have worked through the early retirement phase which is resulting in skill shor

.

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

tages and lack of management experience demand is growing for skilled competent people in all occupations and disciplines.

Don't be like my friend, go out grab the oppor

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

Companies that provide selfless information through particip

tunity which suits you, create a small business retirement plan, forget about retirement. Make things happen for you - you will be more fulfilled and better off if you do

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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After twelve years of watching and day-trading the S&P 500 almost every day, I've come to some conclusions of what works and what doesn't. These methods can also be applied to other markets as well, for both long and short-term trading.

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