Targeting Financial Fraud Against Senior Citizens in CT

Attorney General George Jepsen is encouraging members of the public and social service agencies that work with seniors to attend the annual Connecticut Triad conference to learn more about financial exploitation and ways to protect against such abuse. The conference will be Thursday, Nov. 1 from 8:30 a.m. to 12:30 p.m. at the Riverfront Community Center, 300 Welles Street in Glastonbury. In addition to the Attorney General, featured speakers include Hubert H. Humphrey III, of the Consumer Financial Protection Bureau’s Office of Financial Protection for Older Americans; Special Agent Anna Ferreira-Pandolfi of the U.S. Department of Health & Human Services’ Office of the Inspector General and Dr. Linda Eagle of the Global Bankers Institute.

Assistant Attorney General Phillip Rosario, head of the OAG’s Consumer Protection unit, will moderate a panel discussion by representatives of the Glastonbury Police Department, the state Department of Banking, the state Department of Social Services, People’s Bank Fraud Unit and the Probate Court.

The event is free and open to the public, but seating is limited and those attending are asked to reserve a space by e-mailing gjames@swcaa.org, or by calling 203-814-3620, on or before Friday, Oct. 26.

Triad is a national initiative of law enforcement agencies and community groups working together to reduce crimes against seniors. There are more than 60 local Triad chapters in Connecticut. Current members of the CT Triad Advisory Board include: The Office of the Attorney General, The Department of Social Services Aging Services Division, People’s United Bank, The CHOICES Senior Medicare Patrol (SMP) Healthcare Fraud and Abuse Project, AARP Connecticut and the Connecticut Area Agencies on Aging.

David B. Fein, U.S. Attorney in Connecticut, hosted the first of the six summits nationwide focusing on financial fraud earlier this month. He says between 2008 and 2011, FBI statistics show at 136 percent increase in investor fraud schemes. At an event in Stamford on October 1, speakers discussed an increase in scams involving reverse mortgages, the failure of victims to have done any due diligence on those they trust their money to, and a lack of skepticism when an "investment counselor" asks for funds to be paid directly to them.  Since last year, the U.S. Department of Justice says, it has charged, brought to trial, taken pleas or received sentences for more than 800 defendants in investor fraud cases. The amount taken from victims exceeds $20 billion.

Earlier this week, a Wells Fargo survey found that a growing number of middle-class Americans plan to postpone their golden years until they are in their 80's.  CNN reported that nearly one-third, or 30%, now plan to work until they are 80 or older -- up from 25% a year ago, according to the survey of 1,000 adults with income less than $100,000.   Overall, 70% of respondents plan to work during retirement, many of whom plan to do so because they simply won't be able to afford to retire full time.

Robotics, Simulation Training Draws Medical Talent to Hartford

An unassuming building on Hudson Street in Hartford, in the midst of a construction zone and a short walk from Hartford Hospital, is what’s known as CESI - the Center for Education, Simulation and Innovation, located on the second floor of Hartford Hospital’s Education & Resource Center. Part of the hospital campus, it is among a select number of premier centers for comprehensive experiential learning and innovation nationwide, using simulation, robotics and other leading-edge training technologies – a hands-on magnet for  tomorrow’s technology that is increasingly becoming today’s reality in medicine.  Some suggest that CESI is– or soon will be – among the top five facilities in the country.  Already, CESI is a regional and national training destination. As the second largest surgical center in New England and the Northeast’s largest robotic surgery center, Hartford Hospital is widely viewed as a hub for medical training.

The vision of the rapidly growing facility is fundamental to the mission of Hartford Hospital, and parent-organization Hartford Healthcare:  to assist all providers in enhancing multidisciplinary team performance, the quality of patient care, and patient safety through a comprehensive range of educational programs using state-of-the-art simulation and cutting edge technologies. CESI features exact replicas of an operating room, intensive care unit, delivery room and trauma room. It has the same equipment as the hospital, including two robots and two robotic simulators designed especially for training purposes.

Seeing is believing, and a recent tour provided to representatives of Leadership Greater Hartford by CESI staff was a window into medical technology not often seen by those outside the field (or their patients).  If you believe that a picture is worth a thousand words, CESI does that one better, with a virtual tour available on-line, which allows individuals, organizations, and the general public a glimpse of the sophisticated technology available to teach surgeons and medical teams the robotic techniques now emerging.

During the two decades since its inception – with exponential growth in recent years – its predecessor facilities and CESI (so-named in 2010) has expanded from 900 square feet to 20,000 square, training thousands of medical personnel. Incredibly, the entire operation is run with a staff of six – from the medical and program directors down to the simulation technician. The dedication and pride is evident in every aspect of the facility’s operation, which has a schedule that is consistently busy – not only with surgeons, residents and nursing staff from Hartford Hospital, UConn and local acute care facilities, but from organizations local – such as the Connecticut Fire Academy – and worldwide, such as teams from France and Israel (during the past two weeks alone).

In fact, both the Navy and Army National Guard use the CESI facility for their training purposes. The Navy trains their independent duty coremen and physicians. The state-of-the-art facilities enable CESI staff to simulate not only medical emergencies, but the environment that teams such as those in a war zone would face in responding.  That level of training is invaluable,  and not readily available elsewhere.

CESI has been recognized as a Center of Excellence - one of only 20 centers designated nationwide. Nearly two dozen training courses are offered, ranging from labor & delivery to bio-terrorism, traumatic brain injury to advanced cardiac life support.  This summer, Governor Dannel P. Malloy announced that the state will provide a $10 million grant to support a 30,000 square foot expansion of CESI - part of the hospital’s larger $100 million capital improvement plan, designed to make the institution a leader in training the world’s healthcare professionals in the latest medical techniques.

CESI is comprised of three separate areas:

• Robotic and endovascular simulators
• Task trainers, ultrasound technology and Fundamentals of Laparoscopic Surgery (FLS)
• Five simulated clinical environments each with its own control room: Labor & Delivery, Resuscitation, ICU, Trauma/ED, and Operating Room.

Internally, Hartford Hospital’s Departments of Anesthesia, Critical Care, Emergency Medicine, Ob-Gyn and Surgery are all using the facility to orient their first year residents and fellows to their clinical practices. The residents are able to experience hands-on training without the added pressure of performing new tasks on real people. It builds their confidence and allows them to learn, practice and repeat procedures in a controlled, non-rushed and educational environment.

It is also an ideal setting to begin to establish a culture of patient safety and open communication among an interdisciplinary medical team, whether from Hartford Hospital or elsewhere. Participants are able to train in a setting similar to an actual work environment to create an atmosphere of realism - mirroring multiple types of acute crises and patient care scenarios. Through simulation, the team can learn the physiologic components of crisis management, equipment knowledge, technical skills, and the leadership and teamwork needed to successfully deliver exceptional health care.

As Connecticut steps up its international presence in bioscience research and personalized medicine, facilities such as CESI have the potential to complement that effort, broadening the state’s impact on health care and medicine for decades to come.

State’s Mature Firms Are Key to Job Growth, Study Finds

Because new firms, by definition, can’t “destroy” jobs, only create them, analysis of “job creation” often skews towards new rather than mature firms.  But an analysis by economist Manisha Srivastava of the state Department of Labor, writing in The Connecticut Economic Digest, suggests that when one looks a gross, rather than net, job creation - it is the mature companies that lead the way.  In fact, Connecticut has outperformed the national average in gross job creation by mature companies during the past two decades (through 2007).  The research and analysis, presented at a state data conference, suggests that state policy should focus on “helping firms destroy less jobs” as well as assisting them in creating new jobs. Reviewing two decades of data, the study found that Connecticut is six percentage points above the national average on job creation from mature firms – and that most job creation comes from mature firms.  Mature firms are defined as those that have been in business for at least 11 years.

“Connecticut created about 4.35 million jobs between 1988 and 2007.  An almost equivalent number of jobs were also destroyed during the time period,“ the study noted.  But that said, the number of jobs created by mature firms – and thus “the number of employment opportunities for individuals seeking jobs, mature firms outweighed the availability of jobs from firms of all other categories, including small businesses.”

The answer to the question who creates jobs “will change depending on how the question is framed,” the report concluded.  “If the desired metric is net job creation, than new firms create the most jobs.  If the question is simply job creation, then mature firms create the most.”  If a greater percentage of those jobs can be retained, since the numbers are far larger, the impact will likely be as well.

A series of charts and graphs highlighting the report appeared in The Connecticut Economic Digest in May.

Surveys Say: Hartford Great for Working Moms, Retirement Readiness, Sweatpants & Manufacturing Jobs

If you sometimes wonder how the Hartford region stacks up against metropolitan regions around the country, the answers have been pouring in lately.  A variety of surveys – ranking retirement readiness, comfy apparel, manufacturing jobs and best places for working moms – have landed metro Hartford among the leaders. Forbes Magazine looked at the top 50 metropolitan areas in America to come up with their list of the best places for working mothers.  Columbus, Ohio, placed first followed by New Orleans, with Hartford at number three.  Providence, R.I. - the only other New England city in the top 20 - was at number five.  Criteria included average salaries, average commute time, education spending, violent crime rate and the cost of  daycare.  The region included Hartford, Tolland and Middlesex counties.

What could be more comfortable than sweats?  Experian Simmons asked survey respondents if they bought any sweats in the last 12 months, as well as the number of individual items they purchased, and for the second year in a row, the nation’s top per capita consumer of sweats is Philadelphia, PA.  Number two?  That would be Hartford, followed by Pittsburgh.  Boston is number six, just one slot ahead of New York City.

On Forbes magazine’s list of “Best Cities for Manufacturing Jobs,” Hartford landed in the top ten, at number eight, between Kansas City and Sacremento.  Topping that list was Houston.

The number of Americans who report making financial preparations for retirement dropped to 70% in 2012, the lowest level in three years, according to Ameriprise Financial's 2012 City Pulse Index. While 63% of respondents report having set money aside for retirement, only 37% feel “on track” for retirement.  The study, which examined consumer retirement planning in the 30 largest U.S. metropolitan areas, found that the country's most prepared and retirement-confident residents reside in Hartford-New Haven.  Following were San Diego and Minneapolis-St. Paul. The least prepared people, according to the survey, live in Indianapolis, Charlotte and Washington, D.C.

Taken together, that would suggest that for a working mom seeking employment in a manufacturing job, who enjoys wearing sweats in her off hours while planning for retirement, Greater Hartford is the place to be.

State’s 14 Regional Planning Organizations to See Demographic Changes Ahead

Most people are familiar with the leading numbers that characterize Connecticut… 169 towns, 8 counties, 5 Congressional Districts, and so on.  Fewer people – especially in the Land of Steady Habits – are aware of the 14 Regional Planning Organizations that divvy up the state’s geography. The Office of Policy and Management (OPM) is responsible for the designation and re-designation of planning regions within the state. Through local ordinance, the municipalities within each of these planning regions have voluntarily created one of the three types of Regional Planning Organization allowed under Connecticut statute –

• a Regional Council of Elected Officials,
• a Regional Council of Governments,
• or a Regional Planning Agency.

The mission of the organizations is to carry out a variety of regional planning and other activities on their behalf.  Under state law, each RPO is entitled to a grant-in-aid to support its various planning activities.

The University of Connecticut’s State Data Center has developed population projections for each of the RPO’s through 2030, including a range of demographic breakdowns.  In the Capitol Region, for example, the breakdown by race, between 2000 and 2030, is projected as follows:  white, from 513,283 down to 380,545; Hispanic, from 71,149 more than doubling to 150,321; African-American, increasing from 86,739 to 130,835; and “other” increasing 25,231 to 66,135 – all of which reveals a very different racial and ethnic make-up of the region anticipated in the coming decades.

OPM provides a map showing these regions and a list of municipalities within each region, including town populations based on the 2010 census.

Regional Planning Organizations

1. Capitol Region Council of Governments Website: http://www.crcog.org Executive Director: Lyle Wray
2. Central Connecticut Regional Planning Agency Website: www.ccrpa.org Executive Director: Carl J. Stephani
3. Council of Governments of the Central Naugatuck Valley Website: www.cogcnv.org Executive Director: Peter Dorpalen
4. Greater Bridgeport Regional Council Website: www.gbrpa.org Acting Executive Director: Brian Bidolli
5.  Housatonic Valley Council of Elected Officials Website: http://www.hvceo.org Executive Director: Jonathan Chew
6. Litchfield Hills Council of Elected Officials Planning Director: Richard Lynn
7. Lower Connecticut River Valley Regional Planning Agency Website: http://www.midstaterpa.org Executive Director: Geoffrey L. Colegrove
8. Northeastern Connecticut Council of Governments Executive Director: John Filchak
9. Northwestern Connecticut Council of Governments Executive Director: Dan McGuinness
10. South Central Regional Council of Governments Website: www.scrcog.org Executive Director: Carl Amento
11. Southeastern Connecticut Council of Governments Website: www.seccog.org Executive Director: James S. Butler
12.  South Western Regional Planning Agency Website: www.swrpa.org Executive Director: Dr. Floyd Lapp, FAICP
13. Valley Council of Governments Website: www.valleycog.org Executive Director: Richard T. Dunne
14. Windham Region Council of Governments Website: http://www.wincog.org Executive Director: Mark N. Paquette

Connecticut Had Nation's 4th Lowest Birth Rate, New Federal Data Shows

The number of births in the U.S.  fell for the fourth year in a row in 2011, and Connecticut’s birth rate was among the lowest in the nation.  Nationally, experts said the declining birth rate was a reflection of the weak economy, which has dampened enthusiasm for having children.  The decline in 2011 was one percent – following a two to three percent drop in other recent years. Falling births is a relatively new phenomenon in the U.S. Births had been on the rise since the late 1990s and hit an all-time high of more than 4.3 million in 2007.  But fewer than 4 million births were counted last year - the lowest number since 1998.  And Connecticut's birth rate was tied for the fourth lowest in the U.S.

The breakdown by race/ethnicity in Connecticut:  37,280 births, including 21,541 white, 8,388 Hispanic, 4,777 black, and 2, 289 Asian or Pacific Islander, according to the National Vital Statistics Report developed for the federal Department of Health and Human Services and the Centers for Disease Control and Prevention.

That’s a birth rate of 10.4 per 1,000 total population, the report indicated.  Only Maine (9.6), Vermont (9.7) and New Hampshire (9.7) had lower rates; Rhode Island also had a birth rate of 10.4.  The highest birth rates in the nation were in Utah (18.2), Alaska (15.8), the District of Columbia (15.1) and Texas (14.7).   The overall U.S. average was 12.7 births per 1,000 population.

The report, released on October 3,  is a first comprehensive look at 2011 birth certificate data compiled from state health departments.

CT Gas Prices Now Highest in Region, Ranked Third in USA

We’re number one in the Northeast.  On October 1, 2012, Connecticut’s average price-at-the-pump for regular gasoline was $4.12 a gallon, slightly higher than New York’s $4.10 a gallon.  The only states in the nation with higher prices are California and Hawaii.  Rounding out the top six- and the only other states topping $4 a gallon - are Alaska and Washington, according to AAA’s Daily Fuel Gauge Report. The U.S. average retail price of regular gasoline, however, decreased five cents last week to $3.83 per gallon.  Nearly a dozen states hover around $3.60 per gallon for regular gas, according to AAA.

The Independent Connecticut Petroleum Association explains, “Connecticut has the highest combined state taxes on gasoline and as a result has the highest gasoline prices. However, if you subtract the state and federal taxes from average state prices across this region - then Connecticut's gasoline prices are no higher than anywhere else in our region.”

This is, however, one expensive region.  Nationally, Connecticut's combined state and federal gas taxes have been consistently in the top five.  In July, Connecticut was surpassed only by California, Hawaii and New York, according to the American Petroleum Institute;  in January, New York, California and Connecticut were all within six-tenths of a penny in leading the tax pack.

Where is the most expensive place in the most expensive state in the region?  According to connecticutgasprices.com, gas stations located in Westport, West Haven and Wilton have the state’s highest prices, topping $4.40 a gallon.  Guilford, East Haven, and Stratford have among the lowest prices, under $4 a gallon.

The U.S. Energy Information Agency (USEIA) reports that gasoline prices tend to be higher the farther it is sold from the source of supply: ports, refineries, and pipeline and blending terminals. About 60% of the crude oil processed by U.S. refineries in 2011 was imported. The U.S. Gulf Coast was the source of about 23% of the gasoline produced in the U.S. and the starting point for most major gasoline pipelines, so those States farther from the refineries tend to  have higher prices, according to USEIA. They also remind consumers that California prices are higher and more variable  because there are relatively few supply sources of its unique blend of gasoline.  California’s reformulated gasoline program is more stringent than the Federal government’s.  And as for Hawaii, well, the price implications of their location are self-evident.

Dog Owners May Be Next in State’s “Still Revolutionary” Tourism Marketing

Who let the dogs out?  Apparently, Connecticut’s two-year, $27 million tourism campaign is seriously considering doing just that.  So says Kip Bergstrom, Deputy Commissioner of the State Department of Economic and Community Development.  Bergstrom, interviewed by Diane Smith of CT-N for an hour-long discussion (with live audience) as part of the Old State House’s lunchtime conversation series, suggested that dogs – and their owners - may be the next group to boost the state’s tourism numbers and dollars. The state’s tourism team, branding the state as "still revolutionary,"  is starting to compile “dog-friendly places” throughout Connecticut, to add to the state’s tourism website.  Why?  One of Connecticut’s advantages in attracting tourists is that it is a “drive-to” site, rather than a “fly-to” site, with a huge population close by, Bergstrom points out.  Which means the family pet – often a dog – can come along for the ride, and the visit.

It’s a big market, Bergstrom told the CT-N audience, “and we can immediately begin to reveal places you can go in Connecticut with a dog.”  Among the major plusses - the 800 miles of hiking trails in Connecticut - perfect for dog and owner to go for a walk.  Bergstrom, the owner of six dogs, admitted “don’t be surprised if there’s a dog in the next ad.”

Bergstrom also noted that in deciding on the new “still revolutionary” brand, the state and its tourism team of vendors spoke with more than 1,500 people in the state.  He said that the brand should last for decades, propelled by “ambassadors” – individuals throughout the state repeating their own stories of Connecticut’s “places that matter.”

Bergstrom said that the campaign “has already paid for itself” through increased tourism, with more advertising and targeted messaging ahead.  The expectation is that by campaign’s end, the state will receive $3 in state and local taxes for every $1 spent in the marketing effort.  Taking note of the location of the interview, Bergstrom said “democracy is not a noun, it’s a verb.”

Property Tax Overreliance in Connecticut Slows Economy

The per capita property tax burden in Connecticut is $2,473, an amount that is almost twice the national average of $1,388 and second highest in the nation, the Connecticut Conference of Municipalities (CCM) says in a new report highlighting the state’s overreliance on property taxes to fund municipal government.  Connecticut ranks eighth in property taxes as a percentage of median home value, but CCM says property taxes are not covering the costs of running the state’s cities and towns. Connecticut's 169 cities and towns, along with their boroughs, fire districts and other political subdivisions, levied about $8.7 billion in property taxes in 2009-10, the last fiscal year for which CCM has complete records, the CT Mirror reported, adding that the total, once updated, likely would clear $9 billion for the current year, according to CCM.

Property taxes provide about 72 percent of the revenue for municipalities, while state aid -- which stands at about $3 billion -- represents 24 percent, CCM indicated.  In another breakdown, the CCM report found that:

• 20 towns depend on property taxes for at least 90 percent ofall their revenue
• 48 municipalities rely on property taxes for at least 80 percent of their revenue

CCM's five-point plan calls for expanding the new revenue-sharing arrangements that began last year and allows cities and towns to get some revenues from state sales and real estate tax increases.

Long Island Sound Coastal Clean-up Volunteers Get Ready

Save the Sound staff have been diligently preparing for the 27th annual International Coastal Cleanup (ICC) that kicks off on Saturday, September 15, 2012.  It's Save the Sound’s tenth year as the Connecticut coordinator for Ocean Conservancy's worldwide cleanup effort and the organization, a project of the Connecticut Fund for the Environment, has planned nearly 40 volunteer events over the next few weeks. Details about upcoming volunteer cleanups are listed on the Save the Sound website's calendar, including events in Stamford, Darien, Norwalk, Westport, Fairfield, Bridgeport, Stratford, Milford, West Haven, New Haven, Branford, Madison, Clinton, Westbrook, Waterford, New London, and Groton.

Long Island Sound contributes more than $9 billion to the regional economy each year.  Last year, Save the Sound brought together 2,665 volunteers, who removed more than 29,000 pounds of trash from 54 miles of coastline.

Long Island Sound is one of the nation’s great estuaries, a place where fresh water from inland waterways flows into salt water from the ocean.  The Sound is a vital economic and recreational resource and provides habitat for diverse animal and plant life.  With 10 percent of the nation’s population living within 50 miles of the Sound, pollution is one of the biggest issues threatening the health of the Sound and the plants and animals that live there.

This year Save the Sound organizers are hoping to get even more people involved, and additional information is available on Facebook, or by emailing Save the Sound's Kierran Broatch at kbroatch@savethesound.org or (203) 787-0646, x113.