Page 15 Honorary Professor of Science & Technology

Over the weekend, I was inducted as an honorary professor at Open University Hong Kong.

This reminded me about the movie: Flash of Genius (2008) which shows us why we should get an education.



I am able to run companies, have titles, teach, even do research programs with an independence and at locations that would otherwise not be possible.

The real costs:

However, some students started asking me the real costs of my education. Back in 1992, with scholarships, the total costs per year were $5000. At the same schools, the costs would be 40,000 USD/year:

Schools attended:
www.rpi.edu
www.shu.edu
www.mssm.edu
www.bridgeport.edu

Debt load vs. income considerations:

1. Work income lost during years in school
2. Possible stresses on a relationship due to overtime and student loans
3. Deepening depression on a global level should make students think carefully from the business angle 'where' they place their $$$ aka debt load.

If someone were to repeat my path at today's costs, it would be close to a million dollar investment at 4% FIXED interest rates:

$40,000 USD (avg/yr) x (2006-1992 =14 years) = $560,000 USD total loan necessary.

Assumptions for ease of calculation:
1. 4% interest on loans for 30yrs/360months does not exist (amortization schedule)
2. Sallie Mae doesn't allow for a one time loan of this amount
3. Food expenses and additional costs not included
4. Auto insurance not included

Monthly repayment: 2673.53 @ 4% fixed
Month #1: 559193.14 (remaining balance) 806.86 (principal) 1866.67 (interest) 2673.53 (total payment) 1866.67 (total interest)
Month #360: 0 (remaining balance) 2664.64 (principal) 8.88 (interest) 962,469.24 (total payment) 402,469.24 (total interest)

Questions from today's concerned students (not yet married, already asking):

1. Who is responsible for the debt after the divorce if the Student Loan was secured DURING the time of marriage, BUT the student never finished school and never received any finacial benefit after schooling?

2. Am I liable for anything if I walk away and leave it all to him?

Older student asks: I am choosing to abandon my spouse (both children are over 18) and leave the state. I have debt (equity line) with him I was pressured into signing for a summer residence to be built (the residence is in his name). I want no part of any assets we acquired together and will not seek a divorce, he will have to get it by default. Will I be liable for anything?

Kiplinger's Advice (jbodnar@kiplinger.com), Yahoo Answers

How healthy is Sallie Mae and the accredited companies/institutions?
1. Bear Sterns
2. Merrill Lynch
3. Bernard Madoff
4. Sallie Mae

Possible solutions (if educators got income from external consulting opportunities, universities could charge less to students, the lowered debt load would allow students to be more successful and drive commerce):

1. Educators need to seek compensation and salary outside of schools so that the cost to each student can be significantly decreased
2. Faculty need to be recruited who enjoy and desire teaching with a passion rather than treat this as another job
3. New institutions need to be willing to barter (apprenticeship time as a trade-off for lowered costs of tuition) at earlier levels rather than at post-doctoral levels
4. The costs of education need to be greatly evaluated on their value-added especially in light of rising global unemployment.

Becoming Engaged (8hrs of Practice)

Today's photo session, taught me a valuable lesson on engagement with the camera. There are lots of 'how-to' in the world including 'how-to' photograph a person. I never imagined there could be a 'how-to' be photographed.

This time preparation for new headshot involved looking at my past headshots and learning from them. Today's lesson was on developing`the moment` with your audience (through a photograph).

At first, I didn't see her point. But now, I understand. How you look at someone should reflect how much you care about them! But since the camera is not a person, it is easy to misfire, backfire or not-fire your feelings the way you want. Somehow this is not a problem for Simpy (my dog). I discovered that I had a long way to go before I am as good as Simpy when she looks at me. =D

Engaged 'in the moment'!

Disengaged and thinking of
Wile E. Coyote

There are so many other factors that we'll be practicing on besides 'engaging' including delivering your natural expressions. Like anything, some formal training is always good. =D

Anyone who can provide hints on 'how-to' engage would be greatly appreciated!

My
image consultant said that
I was at most 20% engaged here!!

Dermatophytes: Tinea

Fungi of this family cause infections on the skin, nails and scalp and they constitute over 50% within 55 species of fungus considered to be pathogenic for humans and animals. The lesions caused by dermatophytes are usually circular and tend to enlarge equally in all directions. These fungi usually affect the superficial keratin-rich layer of the affected areas. They hydrolyze our keratin protein and can survive even in the absence of keratin (this is an extremely slow process). In the past it was thought that these infections were caused by worms or lice and therefore the names of the diseases: ringworm or tinea. The complimenting suffix was further qualified by the name of the body area affected( tinea capitis - ringworm of the scalp, tinea pedis - athlete's foot etc. ). There are three pathogenic genera of Dermatophytes - Microsporum, Trichophyton and Epidermophyton.

Tinea capitis:

It is caused by species of Microsporum and Trichophyton. The disease varies from small itching on the scalp to severe cases which can cause permanent baldness. Some of the infections can result in painful inflammations and pustular abcesses around the hair follicles.

The disease is 'sometimes' highly contagious (varies depending on the life cycle of the fungi) transmitted either directly or via hair clippers and other fomites (Def: any inanimate object or substance capable of carrying infectious organisms such as germs or parasites). Tinea capitis is seen in two forms: endothrix infections, with the hyphae growing only within the hair and ectothrix infections, with growth within and on the surface of the hair shaft.

Tinea corporis:

This is the disease more commonly known as ringworm of the smooth skin. The lesions are usually circular with a scaly center, surrounded by an advancing circle of vesicles and papules.The lesions may itch, particularly in warm weather. Tinea corporis is caused by species of Microsporum and Trichophyton.

Tinea barbae:

More commonly known as `barber's itch' affects the bearded area of the face and neck, forming dark red abcessess. The hairs in the affected areas become brittle and lack luster. It is caused by members of Trichophyton and more rarely Microsporum.

Tinea Cruris:

Reference: J Dermatology 2008 Aug;35(8):541-5:

Title: Unusual presentation of tinea cruris due to Trichophyton mentagrophytes var. mentagrophytes.
Location: Mycology Research Center, Faculty of Veterinary Medicine, University of Tehran, Tehran, Iran.

Contact: khosravi@ut.ac.ir

Abstract: Tinea cruris is a subacute or chronic dermatophytosis. This report describes a 30-year-old man presenting with a history of bullous erythematous along with itching of his crural (thigh) region. This is commonly known in the North America as jock itch (fungal groin infection).

On the basis of clinical findings, the lesions were mis-diagnosed as contact dermatitis and pustular psoriasis, so he was treated by local and systemic corticosteroids but pustular lesions were progressed on the affected sites. By using mycological and histological examinations, dermatophytosis caused by Trichophyton mentagrophytes var. mentagrophytes was confirmed. The patient was successfully treated with itraconazole and local antifungal treatments.

Tinea Eyebrows:

Reference: Cutis 1991 Aug;48(2):149-50.

Title: Tinea of the eyebrow showing kerion celsi reaction: report of one case.

Location: Department of Dermatology, National Defense Medical College, Saitama, Japan.

Contact: Hiruma, M.

Abstract: A case of dermatophytosis showing a kerion celsi reaction in the eyebrow of a forty-seven-year-old woman is reported. The causative organism was Trichophyton rubrum. Direct mycologic examination revealed endothrix parasitism within the shafts of the infected hairs, and the trichophytin test gave positive results. Histologic examination of the lesion revealed marked inflammatory infiltration in the dermis, and numerous arthroconidia within the hair shafts. The symptoms disappeared almost entirely after oral treatment with itraconazole for three weeks. In view of the rarity of tinea of the eyebrow ...

Tinea pedis:

Athlete's foot (common name) is the most common fungus infection , most of the cases being caused by Trichophyton mentagrophytes. It results in an inflammatory infection with vesicles between the toes and on the soles; the skin peels and fissures form in the affected areas. The infection can sometimes spread to hands,thighs and other areas.

Tinea unguium:

This sometimes called onychomycosis or ringworm of the nails. The nails become opaque and brittle, lose luster and are easily separated from the nail bed. The infection is caused by Epidermophyton floccosum or various species of Trichophyton.

Treatment options:

Most failures of topical therapy are either due to inaccurate diagnosis, inadequate treatment, missing out some lesions or re-infection either auto-infection (fomite recontamination) or from other sources (pet-to-human, human-to-human).

Historical usages:
Oral Itraconazole used in a single dose of 400 mg and ketoconazole total adult dose 800-1000mg is common protocol. Children are given smaller doses depending on their weight.
The value of oral treatment with 400 mg. of Fluconazole (tradename: DIFLUCAN) in a single adult dose proved to be effective in the treatment of pityriasis versicolor.

These medications are expensive and some patients can not afford the cost. Oral azoles such as itraconazole, ketoconazole, ecanazole and fluconazole have toxicities, teratogenic effects and should be used under careful guidance of BOTH a qualified microbiologist and physician.

The use of creams, spray and shampoos containing the formulation ratio:
10% artemesia oil (wormwood)
5% neem oil
15% tea tree oil
20% thorn tree oil
10% aquarius superwash (contains supermatrix)
40% deionized water

has been found to be highly effective against treating dermatophytes. This can be used to rub the skin twice daily for one month and later once weekly for three months or for longer periods.

All fomites (pillows, hairdryers, slippers, clothing, nail clippers etc) and pets, pet equipment should also be washed with the given formula.

Formulation is currently being produced by http://www.surewit-hk.com/