DALIAN Travel Guide Information

Geography

Dalian is located west of the Yellow Sea (Korea Bay) and east of Bohai Sea. With a coastline of 1,906 km, it governs the southernmost Liaodong Peninsula and about 260 surrounding islands and reefs.

History

Part of the State of Yan in the Spring and Autumn Period, Dalian became a small town in the 1880s, when the Qing Empire established bridges, cannon platforms and camps there. Named after the Dalianwan Bay (大连? of the Yellow Sea northeast of the peninsula, it was officially called Dalian in 1899, and the term was first used in October 1879 by Li Hongzhang in a document.

Dalian of south Pulandian was occupied by the British in 1858, returned to the Chinese in the 1880s, and then occupied by Japan in 1895 during the first Sino-Japanese War. From 1898-1905, it was occupied by the Russians and renamed Dalny (Qingniwaqiao 青泥洼桥 of Zhongshan District, Dalian) and Port Arthur (Lvshunkou). After the Russo-Japanese war Port Arthur was conceded to Japan (Treaty of Portsmouth), who set up the Kwantung Leased Territory or Guandongzhou. Since the foundation of Manchukuo in 1932, the sovereignty of the territory moved from China to Manchukuo. Japan still leased it from Manchukuo. In 1937, the modern Dalian City was enlarged and modernized by the Japanese as two cities: the northern Dairen (Dalian) and the southern Ryojun (Lushun).

After World War II, Dalian was not returned to China, but taken over by Soviets with theoretical Chinese overlordship (see Yalta Conference), and was returned to full Chinese control in 1955, although the first communist Chinese mayor of the new Lvda Administrative Office was elected in 1945. The name Lvda was formed from the initial letters of Lvshunkou and Dalian. Because of the sudden closure of many Japanese businesses, many Dalian residents were out of work for a while.

On December 1, 1950, Lvda was made into a city again. From March 12, 1953 to August 1, 1954, it became a municipality of China|municipality. The city's name was changed from Lvda to Dalian on March 5, 1981, after the State Council approved it on February 9. It was upgraded from a prefecture-level city to a sub-provincial city in 1994, with no change in its administrative subdivisions.

source:http://www.china-holiday.com/english/chinatravel/city/DALIAN.asp

Part Deux: Is The California Individual & Family Health Insurance Market In Critical Condition?

Having recently watched the "bi-partisan" meeting in Washington and many videos on youtube, I wonder if the problem is "un"-fixable.

Speaker Pelosi, in a recent youtube video answering questions on the meeting, pointed out two things which are absolutely of concern. 1, our health insurance system is employer-based in design and function. 2, there are many more people not covered under the employer-based system who choose to remain on the sideline than those who participate in the non-employer health insurance market.

I won't go through the numbers again since they are covered under part one of this topic below. Suffice to say, nearly two-thirds of those who should participate in the health insurance market in California for individual & family coverage do not. No employer-sponsored health plan, whether fully insured or self-funded, could operate at a participation level of 33% or less. Employer plans require 75% of all eligible employees to participate. I have worked in the past for employers who made it mandatory to buy a health plan through their fsa/cafeteria plan unless one had a valid waiver (so as not to mess up participation).

With rare exception, most every vlog I have seen, including the grilling of Anthem/Wellpoint CEO Braly in Washington, have had a nasty, negative tone. While it is without doubt that people are upset by the rate changes and popular press, there are implications to this notwithstanding the fact that my study below shows that even with the "massive" rate increase, Anthem prices below most of the other California carriers for like coverage (including 2 not-for-profits).

Now here's your "inside scoop" for the day, dear readers. I have it on good authority that a very large health insurance company in California (which shall remain anonymous), in the last six months, approached the state regulatory agency/ies to review the option of cancelling the individual & family market product and bailing out. To be clear as to what is at stake....

IN THE LAST SIX MONTHS, ONE OF THE LARGEST HEALTH INSURANCE COMPANIES IN CALIFORNIA ADDRESSED TO A STATE REGULATORY DEPARTMENT THE POSSIBILITY OF NO LONGER SELLING HEALTH INSURANCE TO INDIVIDUALS & FAMILIES IN CALIFORNIA.

The writing is on the wall across the spectrum of carriers. Sales of new plans are flat. HIPAA plans have been reformated to high deductibles and expensive HMO plans to stem the bleeding in that pool. Programs like Tonik for individuals and BeneFits for small group have experienced less-than-stellar sales.

The only two PPO programs (non-HIPAA) that are selling at all right now are SmartSense by Anthem and VitalShield by Blue Shield. Even in those cases, the sales of new plans is not keeping up with the cancellation of existing subscribers.

Anthem has launched three new product portfolios for IFP in the last six months--Core Guard, Clear Protection, and coming April 1, Premier. I will be curious to see whether or not new enrollments in these plans (lower cost) will overtake defections off of coverage as is the current trend.

Until and unless this trend shifts, the IFP market is going to be chaotic at best. Continuous premium increases will become the norm, and this in turn will drive more people off of coverage which will create a repetitive cycle.

So, Dave, you ask, what is your solution to the problem?

Well, I see two choices.

One, like Speaker Pelosi mentioned, mandate coverage and penalize those who do not participate. Increase participation to as close to 100% as possible, guarantee-issue health insurance coverage with no pre-existing conditions problems and create an incentive (tax or othewise) for people to participate in addition to a penalty.

Two, and this is one I may favor over the first one, kill off all non-employer coverage plans and go to a single payer exchange for coverage (with a mandate or incentive). The exchange could offer compliant private plans from carriers that wish to offer them and/or public plans like Medicare/FEHB or other plans designed under federal mandates. Allow carriers to sell private plans outside of the exchange to those who can qualify and wish to purchase outside of the exchange.

Make the exchange available to those who cannot obtain employer-sponsored coverage and do not wish to or cannot purchase a private plan outside of the exchange. Also, provide that any employer under 20 employees (2-19) who chooses the exchange over the group plan must pay a penalty per employee to the exchange, and any company over 20 employees must either provider group coverage or pay a payroll tax penalty per employee to the exchange.

Health and Wellness by Bethany Burks Green Tea Health Benefits Could Include Glaucoma Prevention

Green Tea Health Benefits Could Include Glaucoma Prevention. Green tea has been in the center of a study done by the Journal of Agricultural and Food Chemistry. The research indicated that antioxidants found in green tea could help protect against eye diseases such as glaucoma.

Green tea contains catechins which are absorbed by the eye. These catechins could have protective qualities against the oxidation that causes various eye ailments.

If the results of the study prove to be true over time, then the health benefits of green tea will be numerous. It’s currently known that green tea helps with weight loss, cancer prevention, and depression.

Green tea has its roots in ancient China. For over 4,000 years, Asian countries have drank green tea as part of their diet. Green tea is typically available at gourmet food stores and even in certain grocery stores.

Traditional green tea is served warm, similar to the tea you are used to drinking. Some companies such as Nestea have iced tea drinks that include this healthy version of the drink.

Even though the beverage has been linked to various health benefits, drinking green tea alone isn’t enough to keep yourself healthy. You still need to visit your doctor regularly and speak with them about any supplements or regimens you use for your health.

source: http://cnmnewsnetwork.com/1817/green-tea-health-benefits-could-include-glaucoma-prevention/

HIV illness 'delayed by' herpes drug aciclovir

A common treatment for herpes can delay the need for HIV drugs in people with both infections, say US researchers.

A study of 3,300 patients in Africa found aciclovir reduced the risk of HIV progression by 16%, The Lancet reports.

Although a "modest" effect, the researchers said the cheap treatment was a simple way of keeping people with HIV healthy for longer.

One expert said it was important to note that aciclovir did not seem to make HIV patients less infectious.

The researchers from the University of Washington, Seattle, concentrated on people infected with HIV-1 - the most common type of infection.

It is known that most people who are infected with HIV-1 are also infected with herpes simplex virus type 2 (HSV2), or genital herpes.

Previous studies have shown that keeping the herpes virus suppressed reduces HIV levels but it was unclear whether this would slow down the disease.

Those in the trial were either given a twice daily dose of aciclovir or a dummy pill and then they were monitored for two years.

At the end of the study, 284 people on aciclovir had either started taking HIV medication, had a drop in CD4 count suggesting they should be on medication or had died. The comparable figure for patients taking the placebo was 324.

The HSV2 virus causes genital herpes

Use of aciclovir treatment did not reduce HIV transmission to their heterosexual partners.

More options

The researchers pointed out that HIV treatment with antiretroviral drugs would probably have a greater effect on reducing HIV disease progression than was seen with aciclovir.

But the herpes treatment may provide an additional option for individuals who have not reached medical thresholds for initiating antiretroviral therapy.

"Further investigation is needed to establish if suppression of this herpes virus has a role in HIV-1 treatment for people not eligible for antiretroviral therapy."

Study leader, Dr Jairam Lingappa, said: "While the HIV disease ameliorating effect we have observed is modest, it could add one more tool to help people with HIV infection stay healthy for longer."

Gus Cairns, editor of HIV Treatment Update, said: "It's nice to see a positive result in this field.

"There are biological reasons to believe that treating people's herpes could make them less likely to acquire HIV, or less likely to transmit it if they already have it, but results of trials testing the idea have been disappointing.

"Now at least we find that aciclovir, a very cheap, non-toxic and widely-available drug, can prolong the time some patients may be able to stay off the more expensive, and sometimes toxic, HIV drugs."

He added that the delay in HIV progression seen in the study may translate into a year or two off HIV medications.

"The only reservation I have is that aciclovir doesn't appear to make people less infectious, whereas the HIV drugs certainly do."

Source: http://news.bbc.co.uk/2/hi/health/8512412.stm

Anthem: The Tale of the Tape in California

I was curious about the impact of the now-delayed Anthem Blue Cross rate increase on premium levels. I could only think of one way to find out, so I ran quotes on myself in Gilroy for four comparative coverage plans from the four California health carriers. Kaiser and Blue Shield are not-for-profit, so they should win, right? The results may surprise you!

The rates below include the Anthem rate increase scheduled for March 1, 2010.

1500 Deductible HSA Plan (or closest match)

#1 Anthem Blue Cross Lumenos 1500 HSA...............$243.00
#2 Health Net CA 2500 HSA (closest).................$246.00
#3 Blue Shield CA 1800 HSA (closest)................$311.00
#4 Kaiser 1500 HSA..................................$349.00

3500 Deductible Traditional PPO (or closest)

#1 Health Net Value PPO 4000 (closest)..............$179.00
#2 Anthem Blue Cross 3500 PPO.......................$224.00
#3 Kaiser 3000 Plan (closest).......................$277.00
#4 Blue Shield CA Essentials 3000 (closest).........$352.00

$0 Deductible PPO/HMO RightPlan Clone with Comprehensive Rx (or closest)

#1 Anthem Blue Cross RightPlan 40 PPO...............$358.00
#2 Health Net NetFirst PPO..........................$383.00
#3 Kaiser HMO (closest match).......................$457.00
#4 Blue Shield CA Active Start 35...................$504.00

1500 Deductible HMO Plan

#1 Kaiser 30/1500...................................$365.00
#2 Anthem Blue Cross HMO (w/1500 deductible)........$654.00
#3 Health Net HMO 40................................$670.00
#4 Blue Shield CA Access+ HMO.......................$798.00



I have not included the SmartSense plans, nor the the Core Guard and Clear Protection plans offered by Anthem. However, those three portfolios all price even more favorably against the in-state competition.

Anthem Agrees To Delay Rate Increase in California

On Saturday (2/13) Anthem agreed to hold off on the March 1 rate increases until May 1 at the soonest. This will give time for independent actuaries and auditors to determine if the increase in rates is appropriate.

Anthem to delay insurance rate hike amid criticism

Anthem Answers Sebelius

Anthem President and CEO of Consumer Business, Brian Sassi, addressed his response to Ms. Sebelius regarding her inquiry concerning Anthem rate increases in California.

Click here to read Mr. Sassi's letter

Poizer Asks For Temporary Halt To Anthem Rate Increase

California Insurance Commissioner Steve Poizner has sent a strongly-worded communication to Wellpoint/Anthem requesting that they hold off on the proposed 3/1 rate increase until 5/1 so that an independent actuary retained by the DOI can review Anthem's payout ratios.

Additionally, the Obama Administration has expressed serious concerns about such a large rate increase in California.

A link to Mr. Poizner's letter here.

How to avoid Skin Aging

Rapid skin aging is not unheard of in this day and age. In fact, more and more people experience premature formation of wrinkles and fine lines. We have suddenly become a nation of young people trapped in old and withered bodies.

Skin aging is a gradual process. It happens on a daily basis. Your skin will counteract the damages by using its regenerative functions. However, there comes a point in your life when your skin can no longer do its regenerative functions. Because of that, aging speeds up.

Avoid smoking
Smoking plays a major role in the fast aging cycle of the dermis. Many young people have this vice. Smoke emitted by cigarettes contains nicotine. This substance can break down Vitamin A in the dermis. Vitamin A is essential for the repair of damaged dermis tissues. Without this nutrient, skin cannot properly heal damages.

Stay away from people who smoke. Second-hand smoking is just as debilitating as first-hand smoking.

Get lots of sleep
We take sleep for granted. There are so many things occupying our time that we forget our body's need for sleep. Your body needs to restore weak functions. It needs to correct damaged nerves and tissues. That can only be done through proper sleep and rest. Make sure you get 8 hours of sleep in order to prevent premature dermis aging.

Moisturize your skin
Dry skin condition is the first sign of dermis aging. You have to be sensitive to the needs of your skin. If you notice an evident dryness of your dermis, you have to immediately moisturize your skin. Use a moisturizer loaded with natural ingredients like CynergyTK, Phytessence Wakame and Manuka honey.

CynergyTK supplies functional keratin to the dermis. This is a kind of complex protein necessary for the renewal of collagen proteins. Collagen supports the youthful structure of the dermis. Phytessence Wakame helps prevent the loss of hyaluronic acid brought about by harmful enzymes. Hyaluronic acid is essential for the moisturization of collagen proteins. Keeping collagen hydrated can prolong skin elasticity. Manuka honey contains emollient properties that can get rid of dermis dryness. This type of honey is replete with vitamins and minerals that can harness the core functions of the skin.

Make the right food choices
You are what you eat. If you don't eat the right kinds of food, it will reflect on the condition of your skin. Vitamins, minerals, proteins and omega-3 fatty acids are vital not only for the health of your skin but also for your existence.

Source:http://ezinearticles.com/?How-To-Hamper-Rapid-Skin-Aging&id=5000431

Beer boosts bones and fends off osteoporosis

Drinking beer especially pale ale strengthens your bones and could stop them becoming brittle, a study suggests.

Researchers found that the drink contained a substance that boosts bones and could mean they are less likely to suffer from osteoporosis.

They discovered that beer, especially pale ales, contains high levels of silicon known to slow down the bone thinning that leads to fractures and boosting the formation of new bone.

The finding, published in the Journal of the Science of Food and Agriculture, backs up previous research which also showed that the drink was good at fending off brittle bones – especially in women.

"The factors in brewing that influence silicon levels in beer have not been extensively studied", said Dr Charles Bamforth, lead author at the University of California.

They found that lighter beers with a greater use of hops had the most silicon.

Silicon is present in beer in the soluble form of orthosilicic acid (OSA), up to half of which can be absorbed by the body making beer a major contributor to silicon intake in the Western diet.

Based on these findings, some studies suggest moderate beer consumption may help fight osteoporosis, a disease of the skeletal system characterised by low bone mass and deterioration of bone tissue.

The researchers found that the extra heat used in malting darker beers tended to destroy some of the silicon. Beers with more hops naturally had more silicon they found.

Osteoporosis or low bone density is often described as a silent epidemic of the 21st century. In the UK alone it results in more than 200,000 fractures annually and costs the NHS more than £1 billion a year.

Three million Britons are affected by osteoporosis.

The actual biological role of silicon in bone health and formation is not known though it is thought to help manufacture collagen, one of its major components.

"Beers containing high levels of malted barley and hops are richest in silicon," concludes Dr. Bamforth.

Beer, especially pale ales, contains high levels of silicon known to slow down the bone thinning that leads to fractures Photo: CORBIS

"Wheat contains less silicon than barley because it is the husk of the barley that is rich in this element. While most of the silicon remains in the husk during brewing, significant quantities of silicon nonetheless are extracted into wort and much of this survives into beer."

Dr Claire Bowring, National Osteoporosis Society, said the research did not mean that people head for the pub.

“These findings mirror results from previous studies which concluded that moderate alcohol consumption could be beneficial to bones," she said.

However, while the National Osteoporosis Society welcomes measures to improve bone health we do not recommend anyone increases their alcohol consumption on the basis of these studies. While low quantities of alcohol may appear to have bone density benefits, higher intakes have been show to decrease bone strength, with an alcohol intake of more than two units per day actually increasing the risk of breaking a bone.

"There are also many other health concerns linked with alcohol which cannot be ignored.”

For more information visit http://www.telegraph.co.uk/health/healthnews/7168666/Beer-boosts-bones-and-fends-off-osteoporosis.html

Is The California Individual & Family Health Insurance Market In Critical Condition?

With the recent LA Times article and notifications to approximately 800,000 CA residents by Anthem Blue Cross of California, the future of individual & family health insurance coverage is looking bleak. Anthem announced a rate increase for March 1, 2010 ranging between 30-39% on many private health plans.

I received information just yesterday that Aetna has now laid off the IFP staff support for northern California (and I supposed SoCal as well). The last time Aetna laid off people in these positions, they exited the market in California.

First a look at some "interesting" numbers and how they relate to this issue.

California population (2009) - 36,900,000 (probably 37,000,000 by now)

# California residents covered by private health plans - 2,100,000
# California residents on average uninsured - 6,000,000
# California residents covered under Group/Medicaid/Medicare - 28,800,000

Those numbers tell us a lot about what is going on. IFP (Individual & Family Plan) represents an average enrollment of 6% of the total population, and 7% of the total insured population of California. 76% of the total population is covered under an employer-sponsored health plan, Medicaid or Medicare and 93% of the total insured population is covered under an employer-sponsored health plan, Medicaid or Medicare.

Sadly, the uninsured population is nearly three times as large as those who have private health insurance.

Group plans (employer-sponsored) flourish in California. The plans are heavily mandated by benefit and also represent a true actuarial "pool" of risk. Carriers require 75% of all eligible employees to participate, thereby spreading the risk across a large and balanced company population. I have heard over the years that actuarily, group plans tend to run 20% using major benefits, 30% using some benefits and 50% using no benefits in any plan year.

While group plans will certainly experience rate increases due to health care costs, they are often minimized by mandated participation. So long as the actuaries do their job, group tends to be more stable.*

Individual plans have few if any mandates and there is no participation requirement. As such, plans react to utilization of benefits and increases in health care costs on a more radical scale than employer-sponsored group plans.

Also, plan benefit levels are continuously being adjusted to keep the utilization in check. Lower deductibles give way to higher deductibles, first-dollar benefits give way to services under deductibles first, co-insurance splits continue downward (Health Net has plans 50/50),and so on.

When I first started in health insurance in California, then Blue Cross of California (now Anthem) had a very impressive set of PPO plans. $10, $20, $30 and $40 co-pay plans with no deductible, low out-of-pockets and 80%-90% coinsurance levels. They also covered all normal benefits including maternity. The $40 co-pay plan was so inexpensive that it became a loss-leader. The plans were retired around 2000 to make room for plans with lower co-insurance levels, deductibles and higher out-of-pockets. This trend has continued since.

The bottom line is that slowly but surely IFP will become undesireable to consumers and carriers. Carriers will bleed money on accelerating health care costs and consumers will hate the plan designs. Every year the IFP carriers introduce "new" plans, all of which are stripped-down from the preceeding plan designs. Carriers will continue to retire plans that are no longer profitable (see Anthem Share PPO plans and Blue Shield Spectrum PPO plans). At the rate things are going, IFP plans in a few years will be completely catastrophic coverage with little or no preventive care, generic only drug benefits and deductibles in the 10-20,000 range. Oh, and you can pretty much forget about maternity on PPO plans in a few years, too.

HMOs will continue to offer richer and stronger benefits (with access restrictions), however, they will eventually price so high as to be unaffordable for many consumers.

* the exception was the major rate increase in the Lumenos HSA plans a couple of years ago for group. This was due to an actuarial error in terms of anticipated benefit utilization. Lumenos group HSA plans offer free no-cost preventive medicine. The utilization by the traditional 50% who normally don't use benefits in a plan year as almost 100% which totally blew the curve. Rates were increase between 25-39% at the first Lumenos plan anniversary to compensate.

Cal-COBRA under ARRA

I have just received information from multiple sources that the ARRA extension through 2/28 for subsidy to 15 months does now apply to Cal-COBRA as well as federal COBRA.

Scientific breakthrough could lead to better AIDS drugs

Scientists have succeeded in growing a crystal that reveals the structure of the enzyme, integrase, and this could improve the design of the integrase inhibiting drugs commonly used for AIDS treatment.

Integrase – an enzyme found in retroviruses like HIV – plays a key role in HIV infection.

“When HIV infects someone, it uses integrase to paste a copy of its genetic information into their DNA,” the researchers from Imperial College in London stated.

“Availability of the integrase structure means that researchers can begin to fully understand how existing drugs that inhibit integrase are working, how they might be improved, and how to stop HIV developing resistance to them.”

Many researchers had tried and failed for more than 20 years “to work out the three-dimensional structure of integrase bound to viral DNA”, prior to this study, they stated.

Cracking the integrase crystal mystery after 20 years

To grow a crystal of “sufficient quality to allow determination of the three-dimensional structure”, the scientists from Imperial College in London and Harvard University in Boston conducted more than 40 000 trials.

These results in seven kinds of crystals, only one of which was of high enough quality for their study.

Lead author Dr Peter Cherepanov said: “We went back to square one and started by looking for a better model of HIV integrase, which could be more amenable for crystallization.

“Despite initially painstakingly slow progress and very many failed attempts, we did not give up and our effort was finally rewarded.”

Their findings are published this week in the journal Nature.

Source: http://blogs.timeslive.co.za/hiv/2010/02/02/scientific-breakthrough-could-lead-to-better-aids-drugs/comment-page-1/