Thursday, 25 July 2013

Do you know what are top 10 Best-selling Cancer Drugs

 Oncology drugs are hot. Scratch beneath the surface of most major drugmakers, and you'll find a host of them in various stages of development, as the upcoming American Society of Clinical Oncology meeting will attest. The usual reasons for growing drug demand apply: Rising healthcare spending in countries such as China; an expanding middle class better able to access healthcare in India and other emerging markets; and aging populations in big drug markets like the U.S. and Japan.

 But cancer drugs have their own unique drivers. They treat deadly, frightening diseases, so patients demand them, even at nosebleed prices. Penny-pinching gatekeepers like the U.K.'s National Institute for Health and Clinical Excellence are more amenable to new drugs for patients with terminal illness, if not at pharma's asking price.

 Many of the newer cancer drugs, recently approved and in development, are aimed at cancers with specific genetic variations, so the drugs can be targeted to patients who are most likely to benefit--and that likely benefit can command premium prices. Finally, biologic treatments for cancer don't face generic competition on schedule as traditional drugs do, so even older drugs such as Herceptin don't have to contend with low-cost knockoffs. U.S. provisions for biosimilar versions guarantee that will change--but it hasn't changed yet.

 In fact, the three top-selling cancer drugs on our list--Rituxan, Avastin and Herceptin--were approved in 1997, 2004, and 1998, respectively. So, they've been long-term earners for their developer, Genentech, now Roche's ($RHHBY) U.S. unit. The newest drug on the list is Tarceva, another Genentech product, which won FDA approval in November 2004.

 So, let's get down to the figures: These 10 treatments brought in U.S. sales last year ranging from $564 million to $3 billion, according to IMS Health numbers. Our Nesa Nourmohammadi gathered the data



Rituxan - $3 billion
Avastin - $2.66 billion
Herceptin - $1.66 billion
Gleevec - $1.51 billion
Eloxatin - $1.2 billion
Alimta - $1.04 billion
Erbitux - $703.3 million
Velcade - $692.7 million
Xeloda - $647.6 million

What I need to do to get education loan????

On an average 80% of the students need financial support in pursuing education in abroad. In this process applying for bank loans is quite common. It is very essential to explore various bank loans and required documents for education loans.
Most of the commercial banks are offering education loan to fulfil the student’s dreams of getting graduation in abroad.


(1) What is the eligibility to secure a loan?
To be eligible for loan approval you need to be Indian Citizen and you would have secured an admission in any of bank’s approved courses.


(2) What is the maximum amount of loan I can get?
In most instances the maximum amount of loan you could get up to Rs.20 Lakhs. This depends on course cost and bank.

(     (3) Which things can be covered under education loan?
·         Tuition fees to University or college
·         Examination/hostel charges
·         Travel Expenses
·         Purchase of books/equipment.

(     (4) When I need to start repaying my loan?
Most banks required the payments of quated monthly instalments (EMI’s), which commences one year after the course finished. The tenure can be 3-8 years of instalment period, most banks don’t take margin money up to 4 lakhs. Above the 4 lakhs, banks require 15 % of margin on the loan amount.

(     (5)  Do I need to submit any collateral security documents to secure the loan?
In most of cases up to 4 lakhs you don’t need to give any collateral security to get the loan. For loans between 4-7.5 lakhs, collateral security in the form of a satisfactory third party guarantee is required.

For loans above 7.5 lakhs, collateral security in terms of suitable value or co-obligation of parents/guardian/third party guarantee along with assignment of future income of student for the payment of instalments may be required.

(    (6) Documents applicable as collateral security.
         Government Securities/public sector bonds
         Land/building documents
         Units of UTI, NSC,KVP, LIC policy, gold, shares/debentures
      Bank deposit in the name of the student, parent/guardian or any other third party     with suitable margin.
Interest Rates for some banks in India follows as:

Bank Amount
 (Max in lakhs) Rate of Interest
Bank of Maharashtra 20 Up to 4 lakhs: 12%
Above 4 lakhs: 12.75%
State Bank of India 20 4-7.5 lakhs: 1.00% above SBAR 14.75 % Floating
 Above 7.5 lakhs: SBAR 13.75% p.a. Floating
Punjab National Bank 20 Up to 4 lakhs: BPLR-1.50%
Above 4 lakhs: BPLR-0.75%
Allahabad Bank 20 Up to 4 lakhs: PLR-0.75%
Above 4 lakhs: PLR-1.00%
Indian 20 Up to 4 lakhs: 12.50%
Above 4 lakhs:13.00%
Dena Bank 20 Up to 4 lakhs: 11.25%
Above 4 lakhs:14.25%
Union Bank of India 15 Up to 4 lakhs: PLR
Above 4 lakhs:PLR+1%

      The Benchmark Prime Lending Rate (referred to as SBAR) of State Bank of India.

Steps to follow before applying for education loan:

Step 1: Check whether the course is in the list of bank’s preferred education loan programs list.

Step 2: Figure out how much loan you need.
To estimate this check out the program cost and living expenses in your destination country. Discuss with your parents/guardians on how much they can afford to pay for you.

Step 3: Check for various available loan options

Step4: Go through all term and conditions very carefully. It is better to consider following things while looking in the loan agreement.

          Which offers the lowest interest rate.
          How long will I be paying the loan.
          How long can I defer payments while studying.
          Is there any option for deferring payments if faced into a financial problem.  


               Documents required for education loan:
·         Completed Education Loan Application Form.
·         Mark sheets of last qualifying examination
·         Proof of admission scholarship, studentship etc
·         Schedule of expenses for the specified course
·         2 passport size photographs
·         Borrower’s Bank account statement for the last six months
·         Income tax assessment order, of last 2 years
·         Brief statement of assets and liabilities, of the Co-borrower
·         Proof of Income (i.e. Salary slips/ Form 16 etc)

         What bank will consider before granting a loan?

·     The repayment capacity of the student’s parents/family/Sponsor.

·   The value of Collateral Security. Bank usually got the valuation of the collateral done from an approved Valuator only then process the loan application.


·   Margin money: Usually in case of Overseas education loan the student family to contribute some margin money, usually its 25%. For example if a student is applying for Rs. 20 Lakh loan and the margin money is 25% then Rs.5 lakhs has to be contributed by Student’s Family.

Tuesday, 23 July 2013

What is FPGEE and FPGEE Blueprint for pharmacists

The FPGEC Certification program or FPGEE is accepted by more than 48 state boards of pharmacy as a means of documenting the educational equivalency of a candidate’s foreign pharmacy education. Foreign educated pharmacists succesfully passed FPGEC certification are considered to have partially fulfilled eligibility requirements for licensure in those states that accept the Certification.


I. General Sciences (15%)


A. Biology
1. Basic principles of living matter
2. Chemical basis of life
3. Cellular basis of plant and animal life
4. Morphology (including cell structure)
5. Genetics (including DNA/RNA information transfer)


B. Anatomy and physiology
1. Gross body structures and functions
2. Circulatory and cardiovascular systems
3 Hematologic, hepatic, and lymphatic systems
4. Gastrointestinal system
5. Urinary system
6. Respiratory system
7. Endocrine system
8. Reproductive system
9. Nervous system
10. Musculoskeletal system
11. Dermatological system
12. Eye, ear, nose, and throat


C. Pathogenic microbiology
1. Classification of microbiological disease agents
2. Characteristics and activities of microbiological disease agents
3. Etiology of infectious disease (viruses, bacteria, algae, protozoa, ameba, fungi, rickettsia, parasites, etc)
4. Pathogenic mechanism and host reaction
5. Infection control


D. Immunology
1. Organization of the immune system
2. Cells of the immune system
3. Cytokines
4. Immunoglobulins
5. Complement system
6. Autoimmune disorders
7. Methods of evading the immune system
8. Active and passive immunizations
9. Monoclonal antibodies
10. Vaccine technologies
11. Immunosuppressants
12. Immunostimulants
13. Adverse immune reactions


E. General chemistry
1 Nomenclature (IUPAC)
2. Atomic and molecular structure (including
physical forces of interaction)
3. States of matter (gases, liquids, solids)
4. Stoichiometry
5. Ionization and pH (not including buffers)
6. Chemical equilibrium and reactivity
7. Chemical thermodynamics
8. Chemical and instrumental analysis
9. Nuclear chemistry (radioactivity)


F. Organic chemistry
1. Nomenclature (IUPAC)
2. Molecular structures, bonding, resonance, tautomerism, stereochemistry
3. Functional group chemistry
4. Classes of compounds (structure and characteristics)
5. Types of reactions and reaction mechanisms (reduction, oxidation, addition, elimination, hydrolysis, substitution, etc)
6. Stoichiometry


G. Biochemistry
1. Descriptive chemistry, metabolic and biochemical roles, biosynthesis, biodegradation,
and nomenclature
2. Intermediary metabolism
3. Metabolic diseases
4. Nutrition biochemistry (vitamins, minerals, essential fatty and amino acids, etc)
5. Enzyme kinetics


II. Pharmaceutical Sciences (30%)


A. Fundamentals of drug action
1. Dose response relationships
2. Absorption, distribution, and elimination
3. Metabolism
4. Adverse reactions (toxicity, side effects, abuse, etc)


B. Interaction of drugs with biological systems
1. Relationship of chemical structure to biochemical mechanism of action
2. Stereochemical factors
3. Structure-activity relationships within a series of drugs
4. Drug design strategies and development (Prodrugs, isosteres, drug latentiation, etc)
5. Active medicinals from natural sources


C. Mechanism/Site of Action
1. Rationale for use of a drug (mechanistic, indication, and use)
2. Dosage regimen
3. Precautions, including contraindications and toxicity (patient age, weight, gender, disease factors, dosage schedule and pharmacokinetic factors, effects of other drugs, foods, and environmental factors, incompatible combinations)


D. Pharmakinetics
1. Basic concepts and principles
2. Bioequivalence and bioavailability
3. Pharmacokinetic models and quantification of absorption, distribution, and elimination
4. Multi-dose regimens
5. Linear and nonlinear pharmacokinetics
6. Functions and graphs


E. Kinetic phenomena
1. Decomposition mechanisms (hydrolysis, oxidation, racemization, decarboxylation, photochemical, etc)
2. Reaction kinetics (0, 1, 2 – order, rate law expressions, etc)
3. pH effects on stability (acid and base catalysis)
4. Stability prediction (including Arrhenius Law)
5. Incompatibilities
6. Diffusion


F. Solubility
1. Functional group effect on solubility
2. Factors affecting solubility and dissolution rate
3. Surfactants and micelles


G. Equilibria
1. Basicity and acidity (including buffers)
2. Partitioning phenomena
3. Complexation
4. Protein binding
5 Adsorption-desorption processes
6. Incompatibilities
7. Colligative properties


H. Dosage forms (traditional and novel)
1. Rationale for use
2. Characterization of the bulk drug (including micromeritics)
3. Preparation, processing, and function (including excipients)
4. Tests and criteria of performance
5. Definitions and nomenclature
6. Routes of administration


I. Pharmaceutical calculations
1. Metrology
2. Calculation of drug dosage from appropriate data
3. Calculation of moles, millimoles, milliequivalents, and milliosmols
4. Isotonicity calculations
5. Density, specific gravity, dilution, and concentration calculations


J . Pharmaceutical dispensing
1. Verification and interpretation of prescriptions
2. Performance of packaging and labeling functions
3. Extemporaneous compounding
4. Patient advising


K. Biotechnology
1. Principles
2. Methodologies
3. Products


III. Biomedical/Clinical Sciences (35%)


A. Epidemiology
1. Basic concepts of epidemiology (incidence, prevalence, risk ratio, etc)
2. Age-related disorders (pediatrics, geriatrics, etc)
3. Health promotion and disease prevention (risk factors for development of disease, vaccination schedules in normal hosts, post-exposure vaccinations/prophylaxis, wellness and self-care, etc)


B. Pathophysiology
1. Pathophysiologic alterations of disease (physical assessment, laboratory tests and home diagnostics, disease diagnosis, signs and symptoms of disease, etiology, etc)
2. Disease process (course of disease, prognosis, non-drug treatment, etc)
3. Drug-induced diseases


C. Clinical pharmacology and therapeutics
1. Rational pharmacologic treatment of disease (drug of choice, rationale for selection, etc)
2. Monitoring of drug therapy (parameters of efficacy, parameters of toxicity, etc)
3. Adverse drug reactions (hypersensitivity reactions, dose-related reactions, prevention, etc)
4. Drug interactions
5. Individualization of drug dosage (clinical phannacokinetics, drug dosage in renal failure – dialysis, etc)


D. Clinical toxicology
1. Etiolo


E. Clinical nutrition
1. Nutrition-related disorders (obesity, protein/ calorie malnutrition, drug-nutrient interactions, etc)
2. Nutrition support (oral supplements, enteral nutrition, parenteral nutrition, etc)


F. Literature evaluation
1. Drug information resources (computer applications; primary, secondary, and tertiary literature, etc)
2. Clinical trial design (hypothesis testing, randomization, sampling, blinding, etc)
3. Statistical tests (descriptive statistics, parametric tests, non-parametric tests, etc)


IV. Economic, Social, and Administrativ Sciences (20%)


A. Health care economics
1. Health care costs (systems and pharmaceuticals)
2. Trends
3. Payment and reimbursement
4. Supply and demand (health care services, medicines/drug products, economic modeling, etc)
5. Economic evaluation of medicines and therapy (quality of life, outcomes [therapeutic/clinical/humanistic/cost], pharmacoecononiic analyses, DUE/DUR programs, etc)


B. Ethics/Jurisprudence
1. Jurisdiction: state vs federal
2. Statutes and regulations
3. Regulatory agencies – federal and state (FDA, Public Health, DEA, FTC, HCFA, etc)
4. Ethical principles and practice applications


C. Health care systems
1. Delivery of care/organizations
2. Private and public programs (Medicare/ Medicaid, insurance)
3. Types of non-pharmacist providers and their roles
4. Drug development process


D. Communication and information technology
1. Patient consultation
2. Health care professional communications
3. Barriers to communication
4. Information systems


E. Management
1. Financial management
2. Personnel management
3. Marketing management
4. Organization


F. Marketing
1. Health care professionals (influencing market)
2. Services
3. Advertising
4. Industry
5. Products


G. Professional practice settings, trends, and activities
1. Practice and practice interfaces (institutional, community based, educational/ academic, pharmaceutical industry, government, professional organizations, etc)
2. Trends (manpower/practice patterns, movements, issues, etc)
3. Practice activities of pharmacists


H. Social/Behavioral
1. Socialization/professionalism (development of professional identity, role conflict – internal and external, agents of socialization, effects of socialization in pharmacy, etc)
2. Illness/Behavior (models describing illness/ behavior, health belief models, effect of illness on significant others, strategies of intervention, self-care, etc)
3. Compliance (personal perception of illness, reinforcements, compliance measures, variables affecting compliance, patient education, compliance programs, etc)
4. Factors affecting drug use – legitimate and illicit (peer pressure, cultural considerations, environmental considerations, economic/income considerations, legal and political considerations, patient demographics, etc)

rockking.chetan@gmail.com

Wednesday, 10 July 2013

Here is the Trick For AirTel Customers to Activate free callrate Reducing Offer.

 Airtel-Airtel=30ps/min,Other=40ps/min,STD=50ps/min. 

To activate this Trick dial: 51570(free) then select language then press 1.

 Offer activated successfully. Enjoy it before they block this offer.. 

(working only in some states)