Percentage of Unbanked, Underbanked Households Continues to Climb in CT, Now Exceeds 1 in 5 Households

One in five Connecticut households is unbanked or underbanked, according to data compiled by the Federal Deposit Insurance Corporation, and the percentage of residents unbanked – those that do not have an account at an insured institution - has climbed in the state over the past six years. The percentage of Connecticut households considered unbanked has risen steadily, from 5.3 percent in 2009 to 6.2 percent in 2015, the most recent year for which data is available.  Connecticut ranked 21st in the nation in the percentage of unbanked households. 

Overall, the percentage of state households thatare either unbanked or underbanked increased slightly, from 20 percent to 21 percent between 2013 and 2015.  Those considered unbanked had a checking or savings account but also obtained financial products and services outside of the banking system.

Connecticut’s percentage of unbanked and underbanked individuals is better than the national average, which is 26.9 percent.  Nationally, 68 percent are considered to be fully banked, with an account or accounts at an insured institution, compared with 73.3 percent in Connecticut.

To assess the inclusiveness of the nation’s banking system, and in partial fulfillment of a statutory responsibility, the FDIC conducts biennial surveys of households to estimate the proportion of households that do not fully participate in the banking system.  The survey provides estimates of the proportion of U.S. households that do not have an account at an insured institution, and the proportion that have an account but obtained (nonbank) alternative financial services in the past 12 months.

Estimates from the 2015 survey indicate that 7.0 percent of households in the United States were unbanked in 2015. This proportion represents approximately 9.0 million households. An additional 19.9 percent of U.S. households (24.5 million) were underbanked,

The 2015 FDIC National Survey of Unbanked and Underbanked Households presents new data and insights on the size of unbanked and underbanked markets at the national, regional, state, and large metropolitan statistical area (MSA) levels. This is the fourth installment of the report.

In the Hartford-East Hartford-West Hartford metropolitan statistical area, a slightly higher percentage of households are unbanked or underbanked – 25.6 percent.  In the New Haven-Milford MSA, that percentage is slightly lower than statewide, at 19.5 percent.  The Bridgeport-Stamford-Norwalk MSA is lower still, at 18 percent.

Lembo Develops Plan Aimed at Bringing Drug Costs Within Reach

State Comptroller Kevin Lembo, after what was described as “exhaustive research and consultation with representatives across all sectors of the health care industry,” has developed a five-point plan to address “skyrocketing pharmaceutical drug costs.” Lembo’s proposed legislation, which is to be considered by legislators in the five-month session that began earlier this month, aims to be comprehensive in addressing a range of interrelated issues.  Those issues include requiring justifications for sharp price increases, establishing oversight of drug costs that exceed certain thresholds, ensuring that consumers benefit from rebate savings, promoting insurance plans that emphasize affordable co-pays and preventive care, and eliminating incentives that perversely encourage providers to prescribe the most expensive drugs.

“In a divided country,” Lembo said, “when we’re desperate to find common ground, virtually everyone can agree that prescription drug costs are out of control and must be fixed.  This rise in patient cost share, combined with the rising prices of pharmaceuticals is creating a significant financial burden for Connecticut residents,” Lembo added, noting that “consumers are increasingly bearing a greater share of those costs.”

Lembo, who served as Connecticut’s first Healthcare Advocate prior to being elected State Comptroller in 2010, currently administers the state health plan on behalf of approximately 200,000 people.  The plan includes:

• Require pharmaceutical manufacturers to justify launch prices and price increases over a certain threshold

To address rising drug prices that appear to be arbitrary and unjustifiable, Lembo proposes a requirement that when drug manufacturers increase prices beyond certain thresholds, (for example, list prices increase over 50 percent in the last five years or 15 percent in the last year or launch prices 30 percent or more above the average price for other drugs in a therapeutic class) they must provide the state with information about total costs for producing specific drugs and costs for research and development, marketing, different prices charged for the drug, total profit from specific drugs, research and development efforts that have not resulted in any approved drugs, details about discounts and rebates provided and, of course, a justification for the launch price or the price increase in question.

The findings of a state review would be reported to the legislature and governor to evaluate the appropriateness of the price increases in question.

• Limit the launch price and annual increases of certain high cost drugs

Establish a working group to evaluate the potential of using the information reported above to regulate drug prices in certain egregious instances through the creation of a state-level drug price review board. The authority would review the launch prices of new drugs and annual increases of existing drugs that exceed certain thresholds. The working group should recommend a process for determining if the launch prices or price hikes are justified and recommend possible state actions to take when increases are deemed unjustified.

• Promote the adoption of value-based insurance design

The state Department of Insurance (DOI) and the state health exchange should be required to promote the adoption of plans that use a value-based insurance design. Value-based insurance for prescription drugs generally encourage medication adherence by reducing or eliminating co-payments and deductibles for drugs that help control chronic conditions.  Better managed chronic diseases reduce in-patient hospital stays and emergency room visits by individuals with chronic diseases. The state employee plan has seen significant increases in medication adherence since adopting a lower co-pay structure for maintenance drugs through the state Health Enhancement Plan.

• Allow consumers to benefit from negotiated drug rebates.

Require health plans to base co-insurance and deductible payments on the net price of the drug, post rebate, rather than the list price, allowing the consumer to share in rebate savings negotiated by the pharmacy benefit manager or plan administrator.  For certain highly rebated drugs the list price can be as much as three times more than the final price paid by a health plan after manufacturer rebates.

• Remove incentives for physicians to administer higher cost drugs.

In 2004, Medicare began to reimburse physicians 6 percent of the acquisition cost of drugs for administration. Commercial payers, which often base their reimbursement policies off Medicare, quickly followed suit. The new policy created a perverse incentive in which physicians were paid more for using more expensive drugs even when lower cost equally effective alternatives were available. It also incentivized drug manufacturers to significantly increase prices. As a result, many physician-administered drugs have seen massive price increases since 2004, with many oncology drugs well in excess of $100,000 per regimen. The state should require state-regulated insurance plans to completely delink the reimbursement for physician-administered drugs with the costs of the drugs administered in order to eliminate such perverse incentives.

“This plan emphasizes transparency, accountability and common-sense health care policy that puts quality and wellness for everyone above the corporate profits of big Pharma,” Lembo said in recommending the five-part plan.

Over the past several years, Lembo has been working with state leaders and Connecticut’s congressional delegation to investigate flaws in the pharmaceutical market and implement policies to address the problem.   Last year, he co-hosted a forum at the State Capitol with the Connecticut State Medical Society (CSMS) that brought together physicians, pharmaceutical companies, academicians, patient advocates and other industry experts to address the skyrocketing cost of medications.

Lembo also serves on a working group of the NASHP (National Academy for State Health Policy), which recently issued a report recommending proposed state action, some of which is reflected in Lembo’s legislative proposal.  The Office of the Healthcare Advocate, which Lembo led for six years a decade ago, is an independent agency that helps consumers when they have disputes with their health insurance company. They also educate people about their health care rights and serve as a watchdog over Connecticut’s healthcare marketplace.

CT’s Local Government Workforce Shrinks 7.4% in Past Decade; 10th Largest Reduction in US from Employment Peak

Connecticut’s local municipal workforce has been shrinking for the past decade, and had been reduced 7.4 percent by 2015 when compared with the peak employment year of 2005, according to a new analysis by Governing magazine.  The drop in local government employment is the 10^th largest in the country by percentage of workforce, when peak employment levels were compared with 2015 numbers. “Going on nearly a decade since the start of the recession, localities in many parts of the country have since restored public payrolls to prior levels. But some still employ far fewer workers than they did before the downturn,” Governing reported.

Governing compared each state's pre-2010 peak aggregate totals to the latest 2015 data, excluding the education sector.  In all, the magazine reported, local governments in 26 states had yet to see payroll expenditures return to prior levels when adjusted for inflation. Similarly, local public employment remains below previous highs in most states and is down 3.5 percent nationally from 2008.

The steepest declines in local government payrolls, when 2015 data was compared with the peak pre-recession year, came in Delaware (-20.5% from 2007), Michigan (-18.2% from 2003), Arizona (-17.1% from 2008), Rhode Island (-16.5% from 2003), Massachusetts (-14.4% from 2008), Nevada (-14.1% from 2009), Florida (-11.0% from 2008), Indiana (-8.8% from 2008), New Jersey (-8.3% from 2009) and Connecticut (-7.4% from 2005).

Where localities chose to make payroll cuts has varied, according to the analysis, but a number of patterns were pointed out, based on Census data.  When national employment estimates were compared with 2008 levels, non-sworn police employees sustained the single largest reduction of any major category of workers, the analysis indicated. Governing suggested the reductions were likely a result of police departments trimming civilian staff to maintain the size of police forces on the streets. Nationally, the number of police and firefighters were down 2.6 percent from 2008 while all other areas of local government, excluding education and hospitals, experienced a larger 4.5 percent decline.

At the opposite end of the spectrum, North Dakota, South Dakota, Wyoming, Montana and New Mexico recorded the biggest increases in noneducation payrolls since the recession began in 2008-2009.  Half the states showed an increase in local government payrolls, and despite the generally slow recovery across many regions of the country, U.S. local government payroll spending overall showed a slight three  percent nationwide uptick between 2014 and 2015, according to the analysis.

Nominations Open for State's First Connecticut Entrepreneur Awards

A consortium of public and private associations and agencies, higher education institutions and entrepreneur-assisting nonprofit and for-profit organizations is launching the CT Entrepreneur Awards, designed to celebrate “the entrepreneurs and support system that make Connecticut work.” The inaugural awards, to be presented this spring, will recognize a variety of individuals and organizations that connect, collaborate and communicate amongst each other to help entrepreneurs succeed, according to organizers of the initiative. Nominations are now open for the CT Entrepreneur Awards, which will recognize the individuals and organizations that are instrumental in running the state’s ecosystem. From community builders and events to government officials and advisors that continuously support entrepreneurs, the awards are intended to highlight local leaders “that make a difference.”

Award categories include: Venture, Community Builder, Program, Space, Event, Education, Funding, Corporate/Institutional, and Government.

The CT Entrepreneur Awards are described as “community driven,” reflecting the easy online nomination form. The nine main categories were established in an effort to gather and honor “a broad array of leaders that create the foundation for entrepreneurs to succeed.” Individuals are asked “to nominate as many leaders that deserve recognition for their work in the community.”

During January, nominations are being sought and collected. From that broad list, the consortium will narrow the field and hold final online voting in February. Plans are to hold an awards in late March or early April, with event serving to “bring together all of the people dedicated to supporting entrepreneurs throughout the state.”

The CT Entrepreneur Awards are a product of the CT Entrepreneur Event Organizers consortium, an all-volunteer cooperative effort of people and organizations that host and facilitate entrepreneur facing events in throughout the state.  Proceeds from the CT Entrepreneur Awards will be directed to fund the statewide Entrepreneur Events Calendar, www.ctevents.co.

Consortium members include Accelerated Ventures, Axis 901, Baypath University, BEACON, Bridgeport Innovation Center, Business New Haven, CBIA, CCSU, ColoDesk.com, Congressman Jim Himes, Connecticut Economic Resource Center, Inc., Connecticut Innovations, CTNEXT, Connecticut Small Business Development Center, Connecticut Technology Council, CountMeIn!Hartford, Crossroads Venture Group, CT Entrepreneur Meetup, CT Hackerspace, CT Invention Convention, CT User Experience, Design Professionals CT ,Women's Small Business Development Council, CURE, and Danbury Hackerspace.

Consortium members also include the state Department of Economic & Community Development, Digital Surgeons, Economic Development Corp of New Haven, Enhanced Capital, Entrepreneurship Foundation, Fairfield University, Founderstood, Goodwin College, Hartford Business Journal, Help CT Grow, Innovate Hartford, Innovation Destination: Hartford, Launch EZ, LEARN TO PROGRAM MEDIA, LootScout, M5 Information Services, Madison Mott, MakeHaven, MakerspaceCT, Metro Hartford Alliance, Miles Finch Innovation, and MJX Asset Management

Also participating in support of the initiative are National Invention Convention, New Haven Chamber of Commerce, New Haven Lean Startup Meetup, Remarkable Technologies, reSET, SCORE – Hartford, SCORE - Western Connecticut, Senator Chris Murphy’s office, Spark, SPARK MakerSpace, Stamford Innovation Center, Stamford Tech Meetup, Startup Grind - New Haven, Startup Hartford, TAN2000 International, Test My Pitch, The Business Council of Fairfield County, The Diversion, The Grove, The Refinery, Thrise, Town of Old Saybrook, and Transactions Marketing, Inc.

Members also include the U.S. Small Business Administration, University of Connecticut, UConn - Connecticut Center for Entrepreneurship and Innovation, UConn - Entrepreneurship and Innovation Consortium, UConn - School of Business, UConn - School of Engineering, UConn - Technology Incubation Program, University of Hartford - Entrepreneurial Center, University of Hartford - Women's Business Center at Entrepreneurial Center, University of New Haven - Tagliatela College of Engineering, Wesleyan University, Western Connecticut State University, Westfair Communications, Whitneyville Cultural Commons, Yale Center for Molecular Discovery, Yale Entrepreneurial Institute, Yale Office of Cooperative Research & Yale Entrepreneurial Institute, Yale School of Management, and Yale University.

PERSPECTIVE: Manufacturing - Opening Minds to the New World of Innovation

by Bob Sobolewski With more than 4,500 manufacturing companies, Connecticut is no stranger to the world of innovation. In fact, some pretty cool things were first made here in our state — such as helicopters, erector sets, guitars, watches, sneakers, typewriters and bicycles. Most of these items continue to be mass-produced in plants of all sizes today — well, perhaps not typewriters.

Manufacturing employs more than 18.6 million people in the United States, and in the last few years manufacturing jobs have increased by 500,000, according to the National Association of Manufacturing (NAM). In Connecticut, there are about 160,000 people working in the manufacturing field, according to CT Department of Labor (DOL).

The bottom line is stuff has to be made — and Connecticut companies have an ongoing demand for production workers, mechanical engineers, CNC operators, machinists and much more. Unfortunately, many people have the wrong impression about manufacturing. These perceptions stem from a vast history of dark, dusty and dirty industrial environments.

Today is a far different picture as manufacturing plants now embrace new operational standards and LEAN processes. Most facilities maintain cleanliness, order and advanced technology so they can be as efficient and productive as possible.

Manufacturing is a process with many essential steps, including concept, design, sourcing, funding, production, testing, marketing, distribution and disposal. Staffing manufacturing companies requires many unique talents, especially in the high growth fields, such as precision machining, fiber optics and precision metal fabrication.

State and community colleges across Connecticut are now offering certificate and degree programs focused on different disciplines within manufacturing, so graduates can enter the field earning competitive salaries. For instance the median income for an aerospace engineering technician with a bachelor’s degree is about $77K, or a CNC operator with a certificate may earn a median income of $55K, according to the CT DOL.

Manufacturing is an ideal career for those who like to figure out how things work, or enjoy making things. It is also for those who thrive in a world of innovation and critical thinking. It is a field where creativity and curiosity opens the door for new methods, products and processes to be conceived and developed.

Manufacturing accounts for more research and development in the nation, creating more innovation than any other economic sector, according to NAM. Manufacturing is a key driver in our economy, bringing in $1.48 of economic activities for every $1 in manufactured goods.

This is why it is necessary to change perceptions and showcase all the positive aspects of the manufacturing landscape, especially as the older, more experienced workforce ages out. We need to invite students and their parents into Connecticut manufacturing plants for informational tours, so they can see the magic that happens inside the spaces.

We need to encourage internships for students, so they can experience the work environment first hand. We need teachers to become more connected to businesses through externships, so they can share the possibilities and excitement of the manufacturing field in their classrooms.

We need to ensure that curriculum design aligns with workforce demands so students come prepped and ready for a fulfilling career. And we need have people eager to take the helm to ensure all of the stuff essential to live, work and play is designed, made and distributed without missing a step.

To find out more about Connecticut’s manufacturing initiatives and how your company can become involved, visit www.nextgenmfg.org.

________________________________

Bob Sobolewski is a 30-year business veteran who headed up the U.S. division of the multinational manufacturer, ebm-papst, inc, before retiring and starting a change management consulting business. Bob is immediate past chair of the CBIA Board of Directors and in 2012 founded ingenuityNE, a not-for-profit public charity to create interest and excitement in STEM (science, technology, engineering & math) among K-12 students throughout New England. He serves on the Executive Advisory Board for FIRST.

National Effort to "Revive Civility" is Underway, Looking Ahead to Next Elections

The National Institute for Civil Discourse (NICD), launched in the aftermath of the shooting targeting Congresswoman Gabby Giffords in Arizona in 2011, has launched a new initiative – Revive Civility. “Incivility in America has reached epidemic proportions,” organizers point out. “Every day rudeness, disrespect and hostility sideline collaboration and compromise. Sound bites replace sound journalism. Extremes on both ends of the political spectrum stymie productive dialogue. The public, initially worn and weary, is increasingly enraged about how the lack of civility has left government helpless in the face of our nation's most pressing problems.”

The initiative includes proposed Standards of Conduct, toolkits for citizens, and suggested text messages  that emphasize how ”civility strengthens our democracy.”

Pointing out that “research found that most people think mocking or making fun of a political opponent, making disrespectful or demeaning statements, refusing to listen to arguments of different points of view, or making exaggerated statements that misrepresent the truth are all uncivil behaviors.”

In 2017, “reviving civility is more important than ever” and NICD plans to continue to champion “respectful interactions” in media, legislatures, and the public.  The organization will also educate “the next generation on the importance of civility and ways in which respectful dialogue and interaction between a variety of viewpoints can be created in your own life.”

The 2016 campaign, NICD points out, “brought political incivility directly into living rooms across America,” pointing out that candidates used “disrespectful remarks, name calling,” insulted various members of minority groups, and “the tone of the campaigns has also led to physical violence. Uncivil words have led to uncivil actions and are the direct result of the nature of the rhetoric expressed by those competing to lead in public office.”

NICD points out that:

• 2 in 3 voters say the 2016 election has been less civil than other elections.
• 6 in 10 agree with the statement "The 2016 election will go down as one of the most negative elections."
• 4 in 10 voters say Americans are very or somewhat civil to each other today.
• 7 in 10 Americans say civility has decreased over the past few years.

The honorary chairs of NICD, a nonprofit organization, are former presidents George H.W. Bush and Bill Clinton.  Among the honorary co-chairs is former U.S. Supreme Court Justice Sandra Day O’Connor.

Looking for a Job in CT? Start in Fairfield County, Analysis Shows

If you are looking for a job in Connecticut, Fairfield County would be a solid place to begin the search, according to a new data analysis released by the Zippia career information website. In ranking Connecticut municipalities with the best job opportunities, communities in Fairfield County earned six of the top 10 slots, with Weston ranked in first place and Wilton and Fairfield following in second and third places.

Stamford, Norwalk and Shelton came in sixth, eighth and 10th places, respectively.  The only communities outside of Fairfield County to reach the top ten were Oxford at #4, Madison at #5, Avon at #7, and Woodbury at #9.

The survey limited its site selection to locations with populations of 5,000 and higher, and the results seemed to favor smaller towns and cities, with Stamford as the only top 10 listing with a six-digit population.   Danbury was 28^th, Middletown placed 31^st, and Bridgeport was 34^th on the list.

The other larger Connecticut cities ranked toward the bottom of the scale, with Bridgeport in 34th place (the lowest ranking for a Fairfield County location), Hartford in 44th and Waterbury in 45th. (New Haven was not included, although Zippia did not indicate the reason.)

The second ten communities among the best places for jobs were Monroe, Branford, Mansfield, Seymour, Ellington, Hamden, Farmington, Wallingford, Canton and Derby.

Zippia first researched detailed data “on all places in Connecticut. However, in order to properly compare places in an apples-to-apples manner, we set a minimum population threshold of 5,000 people.”  That left 46 places in Connecticut to analyze.

Each community was then rated across a number of criteria, including unemployment rate, recent job growth, future job growth and median household income.  Sources used include the U.S. Bureau of Labor Statistics and Sperling’s Best Places, according to Zippia.

Financial Cost to Connecticut Smokers Among Highest in the Nation

The financial cost of smoking in Connecticut is higher than just about anywhere in the United States.  The total cost over a lifetime per smoker is $2,183,204, the third highest in the nation, and the annual cost per year per smoker of $42,808, is also third highest in the nation, just behind New York and Massachusetts. The lifetime health care cost per smoker, $274,272 in Connecticut, is higher than every state but one, (Massachusetts), and the out-of-pocket cost per smoking individual of $170,513 for smokers living in Connecticut is third highest in the nation.

The data was compiled by the financial website WalletHub, where analysts calculated the potential monetary losses — including the cumulative cost of a cigarette pack per day over several decades, health-care expenditures, income losses and other costs — brought on by smoking and exposure to secondhand smoke. 

Emphasizing that “the negative physical and financial effects of smoking can be significant,” WalletHub noted that Connecticut’s rankings placed it as among the most costly in every category.

Over a lifetime, the financial opportunity cost for smokers living in Connecticut was $1.436,335 and the income loss per smoker was calculated at $286,950.  Other costs per smoker, such as not being able to qualify for homeowner’s insurance discounts for non-smokers, were $15,133.  In each instance, the costs in Connecticut were among the three highest among the 50 states and District of Columbia.

Annual income loss for Connecticut smokers is calculated at $5,626.  Only Maryland, Alaska, New Jersey and D.C. were higher, according to the analysis. Attributable factors included absenteeism, workplace bias or lower productivity due to smoking-induced health problems.  The website also noted that according to a recent study from the Federal Reserve Bank of Atlanta, smokers earn 20 percent less than nonsmokers, 8 percent of which is attributed to smoking and 12 percent to other factors.

For the calculations, WalletHub assumed an adult who smokes one pack of cigarettes per day beginning at age 18, when a person can legally purchase tobacco products in the U.S., and a lifespan thereafter of 51 years, taking into account that 69 is the average age at which a smoker dies. Data used in developing the ranking were collected from the U.S. Census Bureau, Bureau of Labor Statistics, Centers for Disease Control and Prevention, Insurance Information Institute, NYsmokefree.com, Federal Reserve Economic Data (FRED), Kaiser Family Foundation and the Independent Insurance Agents & Brokers of America.

In 2016, the American Lung Association gave Connecticut an “F” grade in its spending of tobacco prevention and control funds.  The ALA points out that 40 states and Washington D.C. spend less than half of what the Centers for Disease Control and Prevention recommends on their state tobacco prevention programs.  Overall, states spend less than two cents of every dollar they get from tobacco settlement payments and tobacco taxes to fight tobacco use.  Each day, more than 2,600 kids under 18 try their first cigarette and about 600 kids become new, regular smokers, according to nationwide data from ALA.

A report on Connecticut's spending on tobacco prevention just over a year ago found that the state was being outspent over 67 times by tobacco companies' marketing efforts - due in large part to the state spending only a small portion of tobacco settlement funds on anti-smoking efforts.

The report, “Broken Promises to our Children: A State-by-State Look at the 1998 State Tobacco Settlement 17 Years Later," said the state was spending $1.2 million in FY 2016 to fight tobacco use. That's compared to an estimated marketing investment of $80.4 million by tobacco companies in Connecticut that year. The national average shows a margin of 20.1 to 1.  At that time, Connecticut ranked 38th in spending on a percentage basis.  The state has consistently spend less than the CDC has recommended.

The annual report was developed by the Campaign for Tobacco-Free Kids (CTFK), a coalition that includes the American Heart Association, the American Cancer Society Cancer Action Network, the American Lung Association, the Robert Wood Johnson Foundation, Americans for Nonsmokers’ Rights, and the Truth Initiative.

A year later, the next report ranked Connecticut last, as Connecticut’s projected spending on smoke cessation and tobacco prevention efforts for FY 2017 dropped to zero.  The report found that 13.5 percent of adult state residents are smokers, and 10.3 percent of high school students smoke.  Just under 5,000 deaths each year are caused by smoking in Connecticut, and 27 percent of cancer deaths are attributable to smoking.  Connecticut’s cigarette excise tax, $3.90 per pack, is the second highest in the nation. It was estimated that the state would collect $519.7 million in revenue this year from the 1998 state tobacco settlement and tobacco taxes, but will spend none of it on tobacco prevention programs.

Was Holocaust News in Connecticut As It Happened? Historians Seek to Find Out

What could Americans have known – in Connecticut and across the country - about the Nazi threat from reading their local newspapers in the 1930s and 1940s? The Connecticut League of History Organizations (CLHO) is looking for some research help to find out. CLHO is participating in History Unfolded, a project of the United States Holocaust Memorial Museum in Washington, DC. It asks students, teachers, and history buffs throughout the United States what was possible for Americans to have known about the Holocaust as it was happening and how Americans responded. “

Participants look in local newspapers for news and opinion about 31 different Holocaust-era events that took place in the United States and Europe, and submit articles they find to a national database, as well as information about newspapers that did not cover events. History Unfolded raises questions for scholars and will inform the Museum’s initiative on Americans and the Holocaust.

CLHO and Connecticuthistory.org are teaming up to introduce this project to Connecticut. On January 26, 2017, (the day before the United Nations Holocaust Remembrance Day) “citizen historians like you can register to join ‘Team Connecticut’ as we explore Holocaust history.”  Research volunteers will learn how to use primary sources in historical research, and challenge assumptions about American knowledge of, and responses to, the Holocaust.

Officials stress that no experience is needed to participate. Individuals may get involved on their own using online newspaper archives, at local libraries or participating museums, or in groups working as members of a research team.

Data from History Unfolded: U.S. Newspapers and the Holocaust will be used for two main purposes: to inform the upcoming exhibition on Americans and the Holocaust at the United States Holocaust Memorial Museum, and to enhance scholarly research about the American press and the Holocaust. Information captured in the general database will be available as a research source for generations to come.

As of January 9, 2017, 920 participants from across the country had submitted more than 6,300 articles from their local newspapers. The articles were published in newspapers located in all 50 states and the District of Columbia, and represent news articles, editorials, letters to the editor, political cartoons, and advertisements. Individuals are urged to check with their local museum, historical society, or library to see if they will be hosting a research group. A classroom or school, a temple or church, a museum or library, or other community organizations can participate. Individuals can also participate.  Organizations can email Liz Shapiro at liz@clho.org or Gregg Mangan, at gmangan@cthumanities.org for additional information.  For more about the national project, visit the project at https://newspapers.ushmm.org/

Median Income for Students Who Attended College in CT Exceeds National Average

Median student earnings among those who attended college in Connecticut and received federal financial aid is between $27,500 and $74,200 ten years after enrollment, with most institutions students’ well above the national average, according to data included in the U.S. Department of Education’s (USDOE) College Scorecard. The earnings data is compiled 10 years after the students enrolled, as part of the College Scorecard that appears on the USDOE website. CT by the Numbers reviewed the data for schools that offer a four-year bachelor’s degree, a view that includes nearly two dozen colleges located in Connecticut.

Nationally, the median earnings for students is $33,400.

Connecticut’s top ten:  Yale University ($74,200); Fairfield University ($68,500); St. Vincent’s College ($61,800); Quinnipiac University ($57,700); Trinity College ($54,700); University of Connecticut ($54,000); Sacred Heart University ($53,900); Albertus Magnus ($52,100); Connecticut College ($51,700); and University of Saint Joseph ($49,500).

The next ten include Wesleyan University ($48,400), University of New Haven ($48,300); University of Hartford ($46,100); Central Connecticut State University ($44,300); Eastern Connecticut State University ($43,400); Western Connecticut State University ($43,400); University of Bridgeport ($42,700); Southern Connecticut State University ($40,700); Charter Oak State College ($39,200) and Post University ($38,600).  Also included in the College Scorecard among bachelor’s degree granting institutions are Lincoln College of New England ($31,800); Mitchell College ($30,400); and Goodwin College ($27,500).

According to the university’s website, 51 percent of Yale students receive need-based financial aid from the University. At Fairfield University, 46 percent of full-time undergraduates receive some kind of need-based financial aid, at Quinnipiac University it is 61 percent, according to U.S. News. Approximately 40 percent of Trinity College students receive need-based financial assistance from the institution; more than 80 percent of UConn students receive some form of financial assistance, with 33 percent of UConn's fall incoming freshmen class receiving a merit-based scholarship, the university website points out.

The College Scorecard, recently updated by the federal agency, is designed “to ensure that students and families have the most up-to-date, comprehensive, and reliable information available on colleges, all in an easy-to-understand format.” The website allows visitors to sort and filter search results to compare schools to assist students in deciding “which college makes the most sense when considering the typical costs, average student loan amount, students’ ability to repay their loans, and their future earnings,” the website materials explain.

The site notes that “experts say that by 2020, two-thirds of all jobs will require a postsecondary education; and college graduates are likely to earn a lot more and experience lower unemployment than those with only a high school diploma.”