Home Grown Start-Up Business Aims to Help CT Grow

“Simply redeveloping economic development.”  That’s how the leadership of Help Grow CT, a fledgling business dedicated to helping other start-up entrepreneurial enterprises, describe their endeavor.  As a playful video summarizes the serious intent driving the effort, “Several years ago, a group of entrepreneurs utterly frustrated with the bad press their beloved state was receiving, just couldn’t accept Connecticut as being one of the worst places to do business in the country.” Christopher Sacchinelli and a handful of colleagues quietly began the venture a few years ago, having spent some time at a Norwalk accelerator program and with a track-record in business start-ups.  They tweaked and revised their business model and platforms, traveling and researching economic development strategies that have been successful elsewhere, and why. About 50 businesses signed on, and helped refine the effort. 

Six months ago they began a public push to grow the business and this month a new member platform is being launched. The immediate goal is 3,000 small business owners, about one percent of businesses in Connecticut.  The company is about one-third of the way there.

“We knew that there had to be a way we could catalyze change via our own actions,” Sacchinelli said, recalling the drive to start Help Grow CT. “The goal is to help and empower Connecticut businesses.  To make it cheaper and easier to grow a business.”

In surveying the new business landscape, it became clear to Sacchinelli that “the problem that most small business owners were experiencing was high costs, not enough time and low profits.”   What they did as a result was develop a business that provides opportunities for new businesses to band together to succeed as individual enterprises, and by doing so, “help grow CT.”  It is an endeavor that aims to bring other businesses together as a group to drive economies of scale, reduce costs, increase efficiencies and grow profits.  And in doing so, boost Connecticut’s economy and turn around the state’s less-than-stellar reputation.

“The number one business killer is lack of action.  We focus on solutions,” said Sacchinelli, a Trumbull resident and lifelong entrepreneur born and raised in Norwalk who turned 27 this month.  “Connecticut is my community.  I’m vested in Connecticut.”  A previous venture landed him on the cover of the Fairfield County Business Journal in 2013, soon after graduating college. He has authored a book to encourage young entrepreneurs like himself, and has endeavored to use his expertise to encourage and guide businesses and potential business owners in his home state.

Through Help Grow CT, member companies are able to save up to 30 percent on dozens of exclusives partners, apps and platforms, and participating businesses are said to achieve, on average, 9 percent annual growth.  Individuals, called Growth Analysts, work with businesses to navigate through their specific business needs.

By offering savings on back room operations, such as bookkeeping, Help Grow CT not only allows business start-ups to focus more on their business product or service and less on the paperwork, without sacrificing the important detail that can lead a new enterprise to sink or swim.  They point out that businesses with healthy ledgers are 76 percent more likely to succeed over a 5 year period.

“HelpGrowCT has helped small business owners identify areas in their business where they can cut costs, invest in inefficiencies and grow their profitability,” the company’s website points out, offering support in branding, social marketing, and growth strategy development, responding to what is often new business owners “feeling overwhelmed” as they navigate all that is necessary to propel a new endeavor forward.  “We work with the nitty gritty that can hold a business back,” adds Sacchinelli.

Thus far, the initiative has been self-funded.  As members, who will pay monthly fees for the service, are added, Sacchinelli hopes the venture will be self-sustaining, and ultimately, profitable.  The number of members will largely determine that.  He is also cognizant of the potential social impact of the venture, and aims for it to be a “sustainable, evergreen accelerator program,” that will also deliver value to existing businesses.

In addition to the resources provided directly by Help CT Grow to member businesses, “we can listen to problems and crowd source solutions,” Sacchinelli explains, bringing the power of the network of members to bear on individual business challenges.  “The vast majority of small businesses have some of the same problems.  Together, we can guide a business toward the solution.”  He was encouraged recently by the positive feedback (and new members) from among attendees at the Connecticut Business Expo in Hartford, where he raised the profile of HelpGrowCT with the first visible foray into central Connecticut.

HelpGrowCT is also interested in the opinions of Connecticut's business community as their own business evolves.  A companion website, www.helpgrowct.org, includes a brief online survey for start-ups, business owners, investors, residents and students, aimed at propelling the venture and giving voice to the state's growing entrepreneurial community.   And HelpGrowCT continues to seek talent as it grows, actively seeking "energetic, self-driven community leaders who share our passion" and can apply their skills in journalism, event planning, advisory services, or community advocacy," according to the website.

Never too far from the surface is the drive to turn around Connecticut’s reputation as inhospitable to new businesses.  Says Sacchinelli, “After reading article after article about how Connecticut is a poor place to do business, we’re trying to build something that matters.”

https://youtu.be/tPIrcx3oEz8

https://youtu.be/xnac_ll-5I4

Student Loans Grow; Home Ownership Pushed Back 5 Years, on Average

An analysis on the cost of student loans and home-buying nationwide finds that it takes graduates with the average student loan debt of $28,950 about 5 years longer to save a 20 percent home down payment. Thereafter, these graduates have almost $50,000 less in home equity 15 years after graduation compared to debt-free graduates, according to an analysis by GoodCall, The Real Cost of Student Loans. In Connecticut, where 62 percent of students graduate with debt averaging $29,750, above the national average, and home prices tend to be higher than in most states, the challenge is particularly acute.  Delaware has the highest average student loan balances, at $33,808. Utah has the lowest, with $18,921, according to data compiled by the Institute for College Access & Success and included in the report.

Nationally, average debt for new bachelor’s degree recipients rose at more than double the rate of inflation from 2004 to 2014, but in some states it grew even faster.  In Connecticut, the percentage of graduating students with debt rose from 57 percent in 2004 to 62 percent in 2014; the average amount of debt increased by 57 percent (20^th highest increase among the states), from $18,906 to $29,750.

Homeownership has generally fallen over the past decade, and for college graduates with student loan debt, the downward trend is even more marked, according to research by the Federal Reserve Bank of New York, the report indicates. What is clear, the report notes, is that after college, graduates with student debt must use part of their income to pay down loans. This means less income is available for saving compared to debt-free graduates.

It also means that graduates with student loan debt will have to save at a higher rate than their debt-free counterparts to buy a home sooner. This points to another challenge student loan borrowers face: making tough decisions over whether to pay student loans off as quickly as possible or save for big purchases like a home, the report explains.

Waiting longer to buy a home can mean missing out on accruing home equity, an important part of building wealth and financial security over the long term. Home equity is how much of the home’s current value is owned by the homeowner. This is calculated by taking the current market value, which typically grows year over year, and subtracting any remaining mortgage payments.

A recent Harvard study noted in the report revealed the consequences for wealth building that these financial decisions can have over the long-term, where college-educated households with student loan debt were found to have significantly less in assets, cash savings, and net wealth compared to college-educated households without student loans.

Among the report’s key findings regarding the home buying timeline:

• A 23-year-old debt-free college graduate today will be ready to buy a home with a 20 percent down payment in 2021 at age 28. That’s five years earlier than the 33-year-old average home buyer today.
• Graduates with $12,000 in student loan debt can expect to save until 2022 before they’re able to put a 20% down payment on a median price home.
• A 23-year-old graduate with $28,950 in student loan debt today will be saving until 2026 before she can make a 20% down payment on a home, at age 33 – the current average age for home buying.
• Graduates with $50,000 in student loans will be saving until age 36 in 2029 before they’ll have enough for a 20 percent home down payment.

The report also highlights the impact of student loans on the age at which people decide to get married, their job choices, starting salaries and retirement savings – and the impact those choices have on their ability to pay off student loans.

Connecticut to Join The Boston Fed's "Working Cities Challenge" to Help Communities Improve Economic Outcomes

Connecticut will be the latest state participating in the Federal Reserve Bank of Boston’s Working Cities Challenge competition, an economic development effort that builds cross-sector collaboration and leadership to solve challenges affecting urban communities. Businesses and organizations from the private sector throughout the state, along with state government, have played a significant role as a catalyst in bringing the Working Cities Challenge to the Land of Steady Habits. As part of this initiative, cities in Connecticut will have the ability to apply for competitive funding to be used toward addressing local issues in a sector of their choosing, be it education, workforce development, small business development, or other areas that can improve economic outcomes for residents. This summer, the Boston Fed will begin conducting meetings across Connecticut to provide more information about the Working Cities Challenge. Cities will be able to apply for design grants in the fall of 2016.

The Boston Fed will lead the competition, providing technical support and staff resources.  A steering committee composed of local and national partners will determine the cities in Connecticut that will be eligible to apply.  An independent, expert jury that does not include the Boston Fed will select winning cities.

The Boston Fed launched the program in Massachusetts in 2013, building on research that identified cross-sector collaboration and leadership as the key ingredients in resurgent smaller cities across the county. The State of Rhode Island has also joined Massachusetts as a participating site of the Working Cities Challenge.

Funding for the competition prize awards will be provided both by the State of Connecticut, which has committed $1 million, and an additional $2 million commitment from private partners.  The Doris Duke Charitable Foundation, The Kresge Foundation, Living Cities, NeighborWorks America, The United Illuminating Company, Stanley Black & Decker, Boehringer Ingelheim, Travelers Companies, Inc., The Hartford Foundation for Public Giving, Webster Bank, Eversource Energy, Liberty Bank Foundation, Hartford HealthCare, Barnes Group, Hoffman BMW of Watertown/Hoffman Auto Group, United Technologies Corp., Charter Communications, and Fairfield County’s Community Foundation have all committed to participating in the challenge.

“This Working Cities Challenge is about delivering collaborative, transformative projects that will improve the economic outcomes in our cities, creating strong, resilient, and inclusive communities,” Governor Malloy said.  “To build a stronger Connecticut, we must build upon the strengths of our urban areas, and I commend the Boston Fed for their leadership on this effort.  We look forward to working with them in support of Connecticut and cannot thank our private partners enough for their participation.”

“We are pleased to bring the Working Cities Challenge to Connecticut and are thankful to Governor Malloy for his support of the effort, as well as the Hartford Foundation, the Doris Duke Foundation, Living Cities, The Kresge Foundation, and many others,” Boston Fed President Eric Rosengren said.  “The partners have come together to make it possible to bring the competition to Connecticut – precisely the model of cross-sector collaboration that forms the basis of the Working Cities Challenge.  This competition focuses on the residents of the state’s postindustrial cities – places with unique assets that taken together can help to build civic leadership infrastructure, which our research shows is a key component of economic resurgence.”

“Collaboration among the nonprofit, private, public and philanthropic sectors and residents is fundamental to ensuring our communities thrive,” Linda J. Kelly, President of the Hartford Foundation for Public Giving, said.  “We are proud to support the Working Cities Challenge as a proven approach for the coordination across multiple systems and stakeholders that is necessary to strengthen our urban centers and benefit the entire state.”

 “It’s gratifying to see the strong support from Connecticut companies, foundations, and the Malloy administration for the Working Cities Challenge under the thoughtful  leadership of the Boston Fed,”  James C. Smith, Chairman and CEO of Webster Bank, said.  “By encouraging the development of civic infrastructure as a prerequisite to physical infrastructure, the Working Cities Challenge promises to revitalize Connecticut’s smaller cities economically and transform the lives of inner city residents.”

“Across the country many, many communities lack cohesive leadership to make use of their disconnected assets,” Rip Rapson, President and CEO of The Kresge Foundation, said.  “The Working Cities Challenge offers a short-term incentive for smaller communities to come together for a prize.  But its true value will be felt when those communities find the long-term benefits of collaborations that engage citizens to right economic wrongs and provide for widespread opportunity.”

 Working Cities video

Encore Entrepreneurs Look to Start New Businesses in CT

To paraphrase a commercial phrase from years ago, it isn’t your grandfather’s entrepreneurship.  In fact, the new version isn’t only for twenty- and thirty-somethings.  The fifty- and sixty-somethings are, in increasing numbers, looking to launch what AARP describes as “encore entrepreneurship.”  And the infrastructure to give those new entrepreneurial notions a boost is growing too, including in Connecticut. The most recent gathering, at the reSET business factory in Hartford, brought solid attendance and an array of experts to work with individuals with a full career under their belt, but nonetheless looking to start their next career. 

AARP and the U.S. Small Business Administration (SBA) hosted the free educational and networking “Boot Camp” seminar for Connecticut entrepreneurs and small business owners.  reSET, usually populated by a predominantly younger set of entrepreneurs, indicated that age and entrepreneurship are not mutually exclusive, and Community Developer Brandon Serafino went on to explain the availability of working space, expert mentors and consultants is areas ranging from law to accounting to marketing on hand to provide guidance.

Nora Duncan, state director of AARP, led the program presentations and described a strong portfolio of services available – and some surprising numbers that reflect the strength of encore entrepreneurship nationwide.

It turns out, she said, that there is research to show that not only do more older people start businesses but also that businesses started by older people are actually more successful on average.

A study by the Kauffman Foundation found, for example, that the average and median age of U.S.-born tech founders was thirty-nine when they started their companies. Twice as many were older than fifty as were younger than twenty-five.

A recent report in Business Insider indicated that one in three new businesses in the U.S. were started by an entrepreneur age 50 or older.  Describing “running a business as the new retirement,” the news report cited an infographic in easylifecover that highlighted those aged 55-64 in the U.S. have actually had the highest rate of entrepreneurial activity in the last 10 years, noting that the founders of McDonald's, Coca Cola, and Kentucky Fried Chicken – among others - were all over 50 when they established their businesses.

The interactive “Boot Camp” event at reSET – open to people of all ages with a special focus on the 50 and over –included short presentations from local resource organizations, networking opportunities and valuable information on the programs and tools available to potential business owners.  Attendees were updated on the necessary steps and tools to launch a business, and had opportunities to talk one-on-one with local mentoring organizations, lenders, small business advisors and community leaders for advice and assistance.

AARP state offices and U.S. Small Business Administration District Offices are in the midst of hosting events for Encore Entrepreneurs specifically designed for those age 50 and older who want to start or grow a small business.  Summer of Encore Mentoring events are being conducted during June, July and August, in Connecticut and around the country.  (Next event is June 29 at CCSU)

Among those on hand at the reSET event in mid-June were representatives of the Office of Secretary of State (where new businesses are registered), Hartford Economic Development Corporation, and the Connecticut Small Business Development Center.  SBA Connecticut District Director Anne Hunt outlined the businesses expertise available at offices throughout the state to support business start-ups and help navigate the hurdles that new businesses face.

The SBA-AARP strategic partnership is designed to jointly counsel, train, and mentor encore entrepreneurs on small business creation. For many 50+ individuals, officials say, entrepreneurship training is the toolkit that empowers them to use their experience, knowledge, and skills to become business owners and job creators. Since the partnership began in 2012, the SBA and AARP have educated more than 300,000 existing and budding potential encore entrepreneurs nationwide.

reSET serves all entrepreneurs, but specializes in social enterprise ― impact driven business with a double and sometimes triple bottom line. In addition to providing co-working space and accelerator and mentoring programs, reSET aims to inspire innovation and community collaboration, and to support entrepreneurs in creating market-based solutions to community challenges. The organization’s goal is to “meet entrepreneurs wherever they are in their trajectory and to help them take their businesses to the next level.”

New Haven to Host Regional Economic Development Conference for Northeast

Each year, the Northeastern Economic Developers Association convenes a conference of practitioners and thinkers from throughout the region who learn and do business together. For the organization’s 60^th annual conference this fall, the selected theme of “Transportation at the Crossroads” is designed “to help us bring a big idea to life - increasing economic self-sufficiency and vibrancy for citizens, businesses and communities.” The city selected to host the landmark event is New Haven. “We are broadly defining transportation to include moving people, cargo and data,” explain conference organizers of the event, expected to bring more than 250 professionals in a range of economic development areas to the September 11-13 conference.   

NEDA will offer sessions in New Haven in the priority topic areas related to the transportation theme - a broad array of program topics, professional tools and networking opportunities that will provide high value to conference attendees.

Who is expected to attend?  Organizers anticipate community planners; representatives of banks, specialty lenders and investors; Chambers of Commerce leaders; developers; economic development organizations and consultants; engineering service firms; entrepreneurs; municipal planners, place-makers; policy makers; transportation planners and implementers; and federal, state, regional and local government representatives.

Keynote speakers include state and federal officials, including Governor Malloy; state Economic and Community Development Commissioner Catherine Smith; Transportation Commissioner James Redeker; Alissa DeJonge, Vice President of Research for the Connecticut Economic Resource Center; and New Haven Mayor Toni Harp.   In addition, former Gov. Parris N. Glendening of Maryland, President of Smart Growth America’s Leadership Institute and the Governors’ Institute on Community Design, a technical assistance program run in partnership with the EPA-DOT Partnership for Sustainable Communities and Smart Growth America, will address the conference, as will Congressman Bill Shuster, Chairman of the U.S. House Transportation and Infrastructure Committee.

The conference will also recognize outstanding initiatives throughout the region, including the Project of the Year, Program of the Year, Educator of the Year, Member of the Year, and a series of marketing awards in categories including branding, marketing and promotion, and economic development content.  Nominations must be submitted (by NEDA members) by June 24.

Through NEDA membership, economic development practitioners, officials, and volunteer leaders develop and perfect their development tools, network with others in the field, and partner regionally to do the work of economic development, according to organization officials.

The NEDA “core philosophy” will be reflected in the conference sessions.  It reads “We believe economic development is inseparably intertwined with both community development and the leveraging of community assets to drive change. By forming collaborative partnerships with organizations pursuing goals similar to ours, local resources are maximized and the foundation for community sustainability is established from local stakeholders and small businesses committed to their common future.”

NEDA members “build stronger economies throughout the Northeastern United States,” including Connecticut, Delaware, Maine, Massachusetts, Maryland, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont, as well as the District of Columbia.

https://youtu.be/iphybn4GS8U

AMA Policy, UConn Professor Raise Concerns About Municipal Conversions to LED Lighting

An article authored by UConn professor of Community Medicine and Health Care Richard G. Stevens, which highlights red flags being raised by the American Medical Association regarding the safety of LED lighting being installed in cities around the country, is gaining notice.  The article first appeared on an international website, theconversation.com, which features articles researched and written by college faculty from the U.S. and around the world.  The site’s tagline, “Academic rigor, journalistic flair,” reflects its approach.  The article has since been re-published on the CNN website, and it gaining traction on dozens of other internet sites. The article revolves around a policy statement issued by the AMA this month that suggests “conversions to improper LED technology can have adverse consequences.” Stevens, who has written about the health risks of electric lighting for more than two decades,  indicates that the policy statement comes "in response to the rise of new LED street lighting sweeping the country.” 

The new "white" LED street lighting which is rapidly being retrofitted in cities throughout the country has two problems, according to the AMA, Stevens highlights. “The first is discomfort and glare. Because LED light is so concentrated and has high blue content, it can cause severe glare, resulting in pupillary constriction in the eyes. Blue light scatters more in the human eye than the longer wavelengths of yellow and red, and sufficient levels can damage the retina. This can cause problems seeing clearly for safe driving or walking at night.” The AMA goes on to point out that blue-rich LED lighting can decrease visual acuity and safety, resulting in concerns and creating a road hazard.

In addition to its impact on drivers, the AMA notes that blue-rich LED streetlights operate at a wavelength that most adversely suppresses melatonin during night. It is estimated that white LED lamps have five times greater impact on circadian sleep rhythms than conventional street lamps, the AMA indicated. Recent large surveys, according to the AMA, found that brighter residential nighttime lighting is associated with reduced sleep times, dissatisfaction with sleep quality, excessive sleepiness, impaired daytime functioning and obesity.

The AMA points out that “converting conventional street light to energy efficient LED lighting leads to cost and energy savings, and a lower reliance on fossil-based fuels. Approximately 10 percent of existing U.S. street lighting has been converted to solid state LED technology, with efforts underway to accelerate this conversion.”

Although no comprehensive list is available, among the communities in Connecticut making the switch to LED lighting are Stamford, Plainville, East Hartford, Southington, and Berlin, according to published reports. Cheshire launched a streetlight replacement program earlier this year, indicating that “the new LED fixtures will provide the appropriate amount of lighting for locations across the town and will focus light directly downward on the sidewalks and roadway.  The fixtures have a ten-year product warranty, but are anticipated to have a much longer life. The project is expected to be completed in July 2016.”

"Despite the energy efficiency benefits, some LED lights are harmful when used as street lighting," AMA Board Member Maya A. Babu, M.D., M.B.A. "The new AMA guidance encourages proper attention to optimal design and engineering features when converting to LED lighting that minimize detrimental health and environmental effects."

The AMA encourages communities to minimize and control blue-rich environmental lighting by using the lowest emission of blue light possible to reduce glare. Stevens, however, says that “the AMA's recommendation for CCT below 3000K is not quite enough to be sure that blue light is minimized. The actual spectral irradiance of the LED -- the relative amounts of each of the colors produced -- should be considered, as well.”

Stevens concludes that “there is almost never a completely satisfactory solution to a complex problem. We must have lighting at night, not only in our homes and businesses, but also outdoors on our streets. The need for energy efficiency is serious, but so too is minimizing human risk from bad lighting, both due to glare and to circadian disruption. LED technology can optimize both when properly designed.”

The Hartford Courant reported last year that ESCO Energy Services is working with the Connecticut Conference of Municipalities to implement its municipal Street Light LED Conversion Program to buy the current streetlights from utilities and replace them with more efficient LED fixtures.

Stevens proposed in 1987 what was then seen as a radical new theory that use of electric lighting, resulting in lighted nights, might produce "circadian disruption" causing changes in the hormones relevant to breast cancer risk, according to the UConn Health website. Accumulating evidence has generally supported the idea, the site indicates, and it has received wide scientific and public attention. For example, his work has been featured on the covers of the popular weekly Science News (October 17, 1998) and the scientific journal Cancer Research (July 15, 1996). His most recent paper, “Shift work as a harbinger of the toll taken by electric lighting,” was published in Chronobiology International, The Journal of Biological and Medical Rhythm Research, in January 2016.

The Conversation website is a collaboration between editors and academics to provide "informed news analysis and commentary that’s free to read and republish." It launched as a pilot project in the U.S. in October 2014 after starting in Australia in March 2011 and​ the UK in May 2013. Boston University’s College of Communication is are hosting the operation in the U.S.

PHOTO:  Traditional street lighting (left) vs. LED lighting (right).

Bridgeport-Based Wholesome Wave Receives $500,000 USDA Grant to Increase Food Access in Hartford and Vermont

The announcement of the second round of funding for the U.S. Department of Agriculture’s Food Insecurity Nutrition Incentive (FINI) Program, included the selection of national nonprofit Wholesome Wave to receive nearly $500,000 designated to increase affordable access to healthy food in Hartford, Connecticut, and the Northeast Kingdom of Vermont (the northeast corner of the state, comprising Essex, Orleans and Caledonia counties). The funds will flow through an innovative Farm-to-Grocery Nutrition Incentive model, which funds coupons for fresh fruits and vegetables that match the value of SNAP spent at participating grocery stores and increases locally-grown food those stores procure from nearby farmers.

Combined with an additional $500,000 from other funding sources, this project will amount to a $1 million investment in Connecticut and Vermont’s local food economies, according to Wholesome Wave.

Wholesome Wave plans to work with two community nonprofits, Hartford Food System and Green Mountain Farm to School, and eight local grocery stores, to help an estimated 5,000 people purchase more fresh produce. Participating stores will purchase approximately $122,000 worth of regional produce from nearby farmers in Connecticut and Vermont.

The USDA award to Wholesome Wave was one of only 15 community-based initiatives across the country to be selected to receive multi-year grants.  The project is expected to trigger $920,000 in SNAP and incentive purchases in its first three years, officials project.  Overall, the initiative is aimed at  increasing food access for low-income residents, supporting grocery stores as healthy food providers, strengthening local economies, and driving revenue to nearby farms.

“Wholesome Wave is thrilled by the innovations that USDA is supporting through the new FINI grants, which are taking the work of increasing affordable access to healthy food to even greater levels of impact,” said Michel Nischan, CEO & Founder of Wholesome Wave. “So many SNAP shoppers are working parents with limited time to source healthier food choices. Through the new Farm-to-Grocery model, our partners in Connecticut and Vermont will be able to expand affordable access to SNAP consumers in a way that allows them to find and purchase more healthy food from a variety of retailers.”

The areas selected both face high levels of poverty and are home to farmers seeking new markets for their healthful crops, according to Wholesome Wave.  They point out that 40 percent of Hartford’s children live in poverty and 42 percent of the city’s residents use SNAP, formerly known as food stamps.

In the first iterations of healthy food incentives – which also match the value of SNAP spent – Wholesome Wave worked with local partners to offer them at farmers markets. By expanding healthy food incentives to grocery stores where many families already shop, this project is designed to offer a promising solution to each community’s food access challenges.

Wholesome Wave’s expertise in facilitating and scaling successful food access projects, combined with the local nonprofits’ experience within the communities, represents an ideal partnership to move this work forward, according to the organization.

This project builds on Wholesome Wave’s existing work across 40 states, including expansion through the large-scale FINI grant received last year, a $3.77 million grant from the USDA through the new Food Insecurity Nutrition Incentive (FINI) grant program.   Wholesome Wave began in Bridgeport in 2008; a 501(c)(3) nonprofit that strives to create a vibrant, just and sustainable food system. By making fresh, locally grown fruits and vegetables affordable and available, it enables underserved consumers to make healthier food choices.

In particular, this year’s FINI grant expands on the successes of Wholesome Wave’s and partners’ efforts to pilot nutrition incentives in grocery stores in Connecticut and Vermont.

In the first few months of 2016, Wholesome Wave invested in the Hartford food system by providing SNAP consumers with $23,000 in nutrition incentives to spend on fresh fruits and vegetables at two locally-owned grocery stores. During the program period, attributable at least in part to this project, SNAP sales at the local C-Town supermarket increased 7 percent and produce sales increased by 19 percent over the same period in 2015.

Executive Director of Hartford Food System, Martha Page, said: “As demonstrated in the pilot program, the SNAP Up! nutrition incentives are an excellent way to get more fresh fruits and vegetables on Hartford dinner tables. The enthusiastic response to the incentives by Hartford SNAP participants clearly shows that there is a demand for affordable, high quality produce.  For our local farmers, this will represent a new customer base that they have not been able to easily access. We are so excited at the opportunity to bring Hartford area farmers and Hartford consumers together; we believe that we will prove that good food is good business!”

National leaders emphasize how this new model will benefit their state’s economies, while increasing access to produce for low-income residents and improving the bottom line for regional farmers.

“Increasing access to fresh, healthy food for the low-income residents of food deserts will help move our communities one step closer to ending food insecurity. The federal funding awarded to Bridgeport’s Wholesome Wave to help provide fresh produce to Hartford’s local grocers is an investment in an incredible partnership that will help ensure the well-being and health of Hartford’s residents,” said U.S. Sen. Richard Blumenthal.

“Just a few days ago, I was at Hartford Regional Market talking to local farmers and Hartford community leaders about better connecting local food to city grocery stores,” recalled U.S. Sen. Chris Murphy. “This grant for Wholesome Wave is a great opportunity to make that happen. It just makes sense—we should help families afford locally-grown, fresh food at the grocery stores they already shop at. We worked so hard to get North Hartford its Promise Zone designation so that the city can hop to the front of the line when it comes to getting federal grants. This shows why that’s so important.”

“Food deserts correlate very highly with areas of poverty across our country, and a lack of healthy and affordable food options can have a very detrimental effect, especially on children,” said U.S. Rep. Jim Himes, who represents the Congressional District that includes Bridgeport. “With this grant, we will be able to help more families eat nutritiously in Hartford and also support the excellent work that Wholesome Wave is doing right here in Bridgeport, creating innovative ways to bring healthy, local produce into more stores and kitchens.”

In the initiative, neighborhood grocery stores will become access points for fresh local produce, and experience increased revenues. Beyond direct impact to the community, Wholesome Wave expects to use this project in the two states to develop a replicable Farm-to-Grocery Nutrition Incentive model that the organization hopes can spread nationally through their national network of over 110 organizations in 40 states – including 12 in Connecticut - with the promise of impact on a national scale.

The second-round USDA funding award to Wholesome Wave, announced this month, is for $499,720.  The programs in Hartford and Vermont’s Northeast Kingdom are expected to launch in August.

https://youtu.be/BU0sOg9GhWA

67,000 CT Homes At Risk from Hurricane Storm Surges; State Ranks 14th Among States Under Threat

More than 6.8 million homes on the Atlantic and Gulf coasts are at potential risk of damage from hurricane storm surge inundation with a total reconstruction cost value of more than $1.5 trillion, according to a new analysis by CoreLogic.  Connecticut, which has felt the brunt of major east coast storms in recent years, ranks 14^th among the states in the potential damage from future storms, with more than 67,000 homes at risk of flood exposure. According to the analysis, nearly 7,000 Connecticut homes are at extreme risk from future storms, another 21,600 homes are at very high risk, and nearly 18,000 are at high risk, depending upon the severity of the storm.  In addition, just over 21,000 homes are seen as being of moderate risk.  In the analysis, a category 1-5 storm would place a structure at extreme risk, a category 2-5 storm at very high risk, a category 3-5 storm at high risk, and a category 4-5 storm would put a home at moderate risk.

Among neighboring states, Connecticut ranked behind Massachusetts, New York and New Jersey.

In addition to the number of homes at risk, the analysis also provides the reconstruction cost value (RCV), which is the cost to completely rebuild a property in case of damage, including labor and materials by geographic location, assuming a worst-case scenario at 100-percent destruction.  The analysis points out that the location of hurricanes that hit land is often a more important factor than the number of storms that may occur during the year.

At the state level, Texas and Florida, which have the longest coastal areas, consistently have more homes at risk than other states. Florida ranks first with 2.7 million at-risk homes across the five risk categories and Texas ranks third with 531,169 at-risk homes.  Since the number of homes at risk strongly correlates with the accompanying RCV, these two states rank first and fifth, respectively for having the largest RCV, according to the analysis.

The states with the most at-risk homes are Florida, Louisiana, Texas, New Jersey, New York, Virginia, South Carolina, North Carolina, Massachusetts, Georgia, Maryland, Mississippi, Pennsylvania, Connecticut and Delaware.

Rhode Island, Maine and New Hampshire ranked 17^th, 18^th and 19^th respectively.

The CoreLogic storm surge analysis, officials say, complements Federal Emergency Management Agency (FEMA) flood zone information to provide a snapshot of potential damage exposure at the property level since many properties located outside designated FEMA flood zones are still at risk for storm surge damage.  The analysis examines risk from hurricane-driven storm surge for homes along the Atlantic and Gulf coastlines across 19 states and the District of Columbia, as well as for 88 metro areas.

“Using more granular-level data has given us an even clearer picture of which homes are at risk of storm surge damage,” said Dr. Tom Jeffery, senior hazard risk scientist for CoreLogic. “Despite the overall increases in risk, we were glad to see that the number and value of homes in the most extreme, and dangerous, category actually declined.”

At the regional level, the Atlantic Coast has just under 3.9 million homes at risk of storm surge with an RCV of $953 billion, and the Gulf Coast has just over 2.9 million homes at risk with $592 billion in potential exposure to total destruction damage.

When the states are ranked by the anticipated reconstruction cost value of the homes at risk, Connecticut ranks 12^th.

Among the nation’s major metropolitan areas, those with the most homes potentially affected by all categories of hurricane are Miami, New York Tampa, New Orleans, Virginia beach, Cape Coral, Houston, Bradenton, Naples, Jacksonville, Philadelphia, Charleston, Boston, Myrtle Beach and Lafayette.

CoreLogic is a leading global property information, analytics and data-enabled services provider. The company’s combined data from public, contributory and proprietary sources includes over 4.5 billion records spanning more than 50 years.

The official hurricane season extends from June-November each year, but hurricanes are not limited to that timeframe.  The report indicates that most preseason forecasts to date have predicted an increase in both the total number of storms and the number of hurricanes in 2016, compared with the last three years. The storm predictions from Tropical Storm Risk, for example, show a 35 percent chance of this year being an above average season.

Six State Commissions, Victims of Budget Consolidations, Disappear After Decades-Long Record of Achievement

After 43 years, the ironically-named Permanent Commission on the Status of Women began the organization’s final newsletter with an ironic observation:  “the PCSW had its most successful legislative session ever, celebrating the passage of four bills instrumental in protecting women's health and safety.” The PCSW is one of six legislative commissions eliminated in a last-minute budget compromise at the end of the legislative session a month ago.  The six ceased to exist on Thursday (June 9).  In their place will be two Commissions, each a mash-up of three of the organizations.

Wiped from the roster of state agencies are the PCSW, Legislative Commission on Aging, Commission on Children, Latino and Puerto Rican Affairs Commission, African American Affairs Commission and Asian Pacific American Affairs Commission.  Replacing them will be the Commission on Women, Children and Seniors and a Commission that merges the Latino, African-American and Asian Pacific American Commissions.

All staff members were effectively laid off, some applied for the handful of jobs that are to exist in support of the new Commissions.  The volunteer Commissioners will be holdovers, meaning that 63 Commissions will remain in place to set policy direction.

The 23 year old Commission on Aging was eliminated as Connecticut rapidly approaches a new, long-term reality—older adults will comprise an increasingly large proportion of the population.  At least 20 percent of almost every town’s population in the state will be 65 years of age or older by 2025, with some towns exceeding 40 percent.  Already, Connecticut is the 7^th oldest state in the nation.

The Asian Pacific American Affairs Commission, the most recent of the six, was established in 2008 to respond to a growing population in Connecticut.  With the smallest budget, the agency struggled to gain traction, and was just beginning to fulfill its mission when the end arrived.  Connecticut's Asian American population grew from 95,368 in 2000 to 157,088 in 2010 – a 65% increase. Asians represent the majority minority in 40 percent of Connecticut school districts, according to the Commission. 

The Permanent Commission on the Status of Women was formed in 1973 to study and improve Connecticut women’s economic security, health and safety; to promote consideration of qualified women to leadership positions; and to work toward the elimination of gender discrimination.

Over the next four decades, the organization played a pivotal role in the passage of more than 50 significant pieces of legislation, often placing Connecticut at the forefront of progress towards greater justice or equal treatment for women.

That was certainly true in 2016, in what turned out to be, as was once said in a different context, the best of times and the worst of times.  This year, PCSW advocated for major initiatives that gained legislative approval:

• Allow judges to remove firearms during temporary restraining orders in domestic violence;
• Make affirmative consent the standard for investigating alleged campus sexual assaults;
• Establish a working group to study possible labor violations in the nail salon industry;
• Eliminate the discriminatory tax on feminine hygiene products and diapers;
• Dramatically strengthen anti-trafficking laws by: shifting the focus of arrests in prostitution cases to the "demand side"; raising penalties against buyers of sex; removing the "mistake of age" defense; and requiring hotels and motels to keep records of those who rent rooms by the hour; and
• Give judges authority to remove parental rights from rapists in cases of clear and convincing evidence of sexual assault resulting in pregnancy.

Established in 1997, the mission of the African-American Affairs Commission (AAAC) was to improve and promote the economic development, education, health and political well-being of the African-American community in the State of Connecticut.  The Commission has been at the forefront of a range of issues impacting the African American community in Connecticut, and its demise occurs when race relations and equal opportunity remain under heavy scrutiny in Connecticut and across the country.   

Glenn A. Cassis Executive Director of the African-American Affairs Commission, when the consolidation plan was announced, said merging the panels will cause "irreparable damage to the African-American community in Connecticut."

"The elimination of AAAC tells the African-American community that their issues are not important to the state,'' Cassis wrote in an open letter to the leaders of the General Assembly. "The message that resonates is that despite the successful efforts of the past to eliminate the disparities that exist for this constituency in education, health, economic development, criminal justice and incarceration, and social well-being have become marginalized. Years of progress made has been cut short from being fully impacted to the level that this growing segment of Connecticut’s population deserves and expects."

The Latino and Puerto Rican Affairs Commission (LPRAC) was created by an act of the Connecticut General Assembly (CGA) in 1994. This 21 member non-partisan commission is mandated to make recommendations to the CGA and the Governor for new or enhanced policies that will foster progress in achieving health, safety, educational success, economic self-sufficiency, and end discrimination in Connecticut.  As of 2014, the state’s Hispanic population exceeded 500,000, about 15 percent of the state’s overall population.

In an Open Letter, LPRAC Executive Director Werner Oyanadel said “The decision to eliminate LRPAC does not in any way diminish the significant pride of the Commissioners and LPRAC staff, present and past, in the far-reaching and often ground-breaking work that has been accomplished to advance the quality of life for our state’s steadily growing Latino population.”  He added that “the end of a distinguished and impactful decades-long history does not diminish or eviscerate the landmark laws, policy-changing research and enduring impact of LPRAC on countless families, businesses and individuals of Hispanic heritage, and all the citizens of Connecticut.”

The Commission on Children, established in 1985, was borne of the legislature’s desire for the development of “policies that would ensure the health, safety, and education of Connecticut children.”  Said long-time Executive Director Elaine Zimmerman: “We feel we’ve succeeded beyond anyone’s wildest hopes, taking a leading role in issues as important—and diverse—as closing the achievement gap in reading, school climate, immunization, disaster planning for families, school readiness, children’s mental health, home visitation, youth employment, equity, and poverty reduction.”

One of the testimonials on the PCSW website, said succinctly: “The commission boldly tackles the issues that matter to my survival and prosperity! Their work to identify and eradicate inequality (whether of the deliberate kind or not), to serve as a public voice for women’s issues which are underrepresented in all public spheres, and to engage the public is integral in working toward a fair and just society.”

Regarding the state’s Latino population, Oyanadel said “the successor combined Commission will not be nearly the same; we can only hope that its impact will not be diluted or weakened, though we are concerned that our community will have a softer voice advocating for those issues of particular importance in and impact on the Latino community.”

Back in 2011, when consolidations and eliminations were under consideration by legislators, but ultimately not approved, as was the case repeatedly since the 2008 recession, Gov. Malloy told the CT Mirror: "If they asked my advice, I'd consolidate a bunch of them."

And in 2016, it came to pass.

Fast Forward Past Fiscal Crisis: CT Developing Goals for the Year 2041

New goals approved in the waning hours of the state legislative session focus not on the impending deficit in the next two years, but what Connecticut should look like a quarter-century from now. Fast forwarding to the future, the newly approved legislation establishes a “Connecticut 500 Project” to develop a plan to, within 25 years:

• Increase private sector jobs by 500,000;
• Increase Connecticut’s population by 500,000;
• Increase by 500 the number of start-up companies organized around Connecticut-developed intellectual property;
• Increase by 500 the number of students graduating from each state college and university;
• Achieve a national ranking within the top five for economic growth, public education, quality of life, and private sector employee salary;
• Maintain Connecticut’s position within the top five for productivity, higher education, and income per capita.

“This is an effort to reassert Connecticut as one of the strongest economies in the nation and in the world,” State Representative William Tong recently told WNPR. He's co-chair of the state’s Commission on Economic Competitiveness, and said the Connecticut 500 Project comes directly out of the work of the commission.  The commission will continue to flesh out the Connecticut 500 Project, and look to hire a private consultant to take the plan forward, WNPR reported.

Tong added that the project is modeled after similar efforts in states like New York, Minnesota, and Ohio, and one of its centerpieces will likely be to move away from Connecticut’s traditional suburban strategy, focusing instead on building population and business vitality in its urban cores.

Some of the groundwork begins sooner, and comes with a price tag.

The state Department of Economic and Community Development (DECD) is required to establish a Talent Advisory Committee to assess shortages in the software development and other technology workforces, and develop pilot programs to correct such shortages.  And the Committee would develop knowledge enterprise zones around colleges and universities with the same benefits accorded entities in enterprise zones.

Details are still to be worked out as to how such an initiative would unfold, and the precise role of the state’s public and private institutions.  The committee would design a pilot program to recruit developers and train state residents over the next 10 years, according to the legislation.

The department’s First Five financial assistance program to encourage business expansion and job creation, is also expanded, as a means of hitting the lofty goals within the next two-and-a-half decades. 

The initiative, which began just a few years ago with five companies and has expanded almost every year since, providing loans and grants to Connecticut businesses as an incentive to remain in the state either despite, or because of, the steadily increasing state deficit driven in part by declining tax revenues.  The First Five program is increased once again under the bill to 20 projects from 15.

When it began in 2012, the companies identified to receive state funds were CIGNA, ESPN, NBC Sports, Alexion Pharmaceuticals, and CareCentrix.  Subsequent participating companies benefitting from the program include Deloitte, Bridgewater, Charter Communications, Sustainable Building Systems, Navigators, Synchrony Financial and PitneyBowes.

Earlier this spring, DECD Commissioner Catherine Smith told the legislature that over the last three years the program has provided $256 million to thirteen different companies. Smith stated that the companies have “committed to retain more than 13,500 jobs and to create between 2,600 and 5,264 jobs” and urged the program’s expansion and extended deadline (into 2019), which was ultimately granted.

Most recently, the state provided $22 million in loans and grants to the world’s biggest hedge fund, Bridgewater Associates, to stay in Connecticut – a decision that instantly received both praise and criticism, from Democrats and Republicans alike.