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Good news and bad news from the IRS this July.The good: the agency reopened for business as of July 13th, which means it is now taking phone calls and processing tax filings as quickly as possible.The bad: during a year when every dime counts, the agency says as many as 4.7 million tax refunds will be delayed another few months.Cristy Mack is one of them. She and her husband never wait to file their taxes because she depends on her refund.But like almost five million other people, they still file paper returns because they are most comfortable doing that."We mailed our paper forms at the end of February," she said.But five months later, Mack still doesn't have her refund."A total of 18 weeks have gone by since we mailed in our return," Mack said.She tried calling the IRS, she says, but like countless other taxpayers, ran into a brick wall."They say they aren't taking calls at the moment," she said.Why refunds are taking so long this yearThe IRS's national taxpayer advocate now says as 4.7 million people who filed paper returns will have very late refunds.That's because the agency furloughed thousands of workers this spring and stopped processing paper returns for two months, creating a huge backlog.Paper processing has restarted, but workers are far behind.Mack needs her tax refund badly."It means a lot to us," she said. "Especially with everything going on, and my husband's job has been really slow, and we are making less.We passed Mack's information on to the IRS, though it may not make a difference if her return is buried in a stack of thousands."When you rely on that as part of your income and it's not there, it does make things a little sketchy sometimes," she said.And with the IRS extending the tax deadline to July 15 this year, even more paper returns are about to be added to the stack.If you are still waiting for your refund, all you can do is log on the IRS website, go to the "Where's my Refund" section, and cross your fingers.As always, don't waste your money.Don't Waste Your Money" is a registered trademark of Scripps Media, Inc. ("Scripps").Like" John Matarese Money on FacebookFollow John on Instagram @johnmataresemoneyFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com. 2296

Hillsborough County, Florida deputies arrested a Chase Bank call center employee for stealing account information, adding her boyfriend to the accounts and making withdrawals.31-year-old Dakima Williams and her boyfriend, 22-year-old Darius Lopez, are being charged with the crimes.“I went to pick up a prescription and when I went to pay for it with my HSA card it said I had a balance of like ,” Kari Krause, whose joint HSA account with her husband was compromised, said.Krause, who lives in Texas, says investigators told her the suspect had a duplicate debit card created to make the transactions. Lopez made two trips to a Chase Bank in Tampa to pull money from the account, withdrawing ,000 and the ,000.Chase reimbursed the couple and began investigating the incident. In total, deputies say nine accounts were compromised.“As soon as we discovered this, we notified authorities and worked with them on the investigation. The employee was terminated and we reimbursed affected customers. We also put additional safeguards in place to prevent this type of behavior by restricting access to certain account information and adding extra layers of verification,” Chase Spokesperson Michael Fusco said in an email.Chase also sold their Health Savings Account Business prior to the incident. They were still in the process of transferring the business when the crimes occurred. 1398

Health care is expected to be one of the top issues for voters in the midterm elections.Polls show Obamacare approval is at an all-time high, while opinions about Republican replacement plans are more negative.Democrats are using that as a centerpiece of their midterm election strategy.“On the other side of the aisle, they never had a plan,” says Democratic strategist Brandon Neal. “It was always just repeal Obamacare, and I think they were infatuated with the whole idea of just destroying something because it had Obama’s name on it.”With rising health care costs, Republicans argue they made necessary changes to Obamacare.“Under Obamacare, every individual in the country was required to have health insurance or pay a tax,” says Republican strategist Brian Bartlett. “Republicans repealed that tax, because we think individuals should have a choice when it comes to their health care.”A growing number of Democrats now want to expand health care coverage even further by pushing for "Medicare for all." Under the idea, the government would eventually take over health care from private insurance companies and every American would be covered.“Under Medicare for all, the average American family will be much better off financially than under the current system, because you will no longer be writing checks to private insurance companies,” says Sen. Bernie Sanders (D-Vermont).Republicans say the idea of a single-payer health care system is too expensive and bad for most Americans.“Everyone, no matter how much you like your plan, would have their plan taken away,” argues Rep. Paul Ryan (R-Wisconsin). “Instead you will put in a government run plan, where you have no say in the cost or in the coverage. Obamacare mean fewer choices. Medicare for all means no choices, no competition.” 1805

HONOLULU (AP) — About 8,000 people landed in Hawaii on the first day of a pre-travel testing program that allowed travelers to come to the islands without quarantining for two weeks if they could produce a negative coronavirus test. The pre-travel testing program began Thursday and allows visitors who test negative for COVID-19 within 72 hours of their arrival in the islands to avoid quarantine — a measure that’s been in place for all arriving passengers for most of the year.The state-run testing program is an effort to stem the devastating downturn the pandemic has had on Hawaii’s tourism-based economy. However, gaps in the program coupled with increasing cases of COVID-19 across the U.S. and the world have raised questions about whether Hawaii is ready to safely welcome back vacationers.Opponents of the testing program have said a single test 72 hours before arrival — especially when coupled with the option to fly without a test and still quarantine — is not enough to keep island residents safe.Hawaii’s economy is almost entirely built around tourism and local families who rely on the sector to survive need to return to work. 1153

HAMPTON ROADS, Va. - When COVID-19 hit, most people wouldn’t have imagined working from home for this long. But for thousands of Americans working from home has become the new reality.Dr. Ryan Light from Tidewater Physicians Multispecialty Group said he has seen a significant increase in patients coming in for pain to their lower backs, eyes, joints, and hands. He said many don’t realize what is causing the pain. He attributes the pain to months of working from home and not having the proper work environment setup.“People are working in their bedrooms, people are working in their kitchens, they have probably tried multiple locations and still haven't found a comfortable location,” said Dr. Light.He said many times the pain increases over time. They don’t realize the pain is caused by the way they are sitting, working on their computer or laptop. He said the pain will creep in.Leaders with the American Chiropractic Association say they are seeing an increase in people with pain in their neck, shoulders, wrists, and hands, lower back pain, and experiencing headaches.Dr. Karen Erickson with the American Chiropractic Association, A.C.A said the hunched-over posture that people assume when they don't have a good ergonomic setup is causing a lot of the problems.ACA said they conducted a Facebook poll on April 21 and found that 92% of respondents noticed an increase in musculoskeletal issues such as back pain and neck pain among their patients and people they know since the stay at home guidance went into effect in March. There were about 200 people surveyed.Dr. Erickson said she too has seen an influx in patients coming to her. She said it is both new patients and those who she previously treated that need help again.“I have never been busier,” she said.She offered some suggestions for how people can make changes to their work environments to prevent pain. She said people should keep their computer screen or laptop at eye level.Dr. Erickson said looking down at your laptop and rounding your shoulders forward puts a lot of stress on your neck and your shoulders.She said sitting on a couch can also cause problems if the couch is deep or too soft. She said it can strain the lower back and she suggested using a hard chair.“Keep your feet flat on the floor with a 90-degree bend in your knee, a lot of people cross their feet under their chair and that actually puts a lot of stress on your low back,” said Dr. Erickson.And she suggests switching up your work environment by moving around your home if possible. She said spend a few hours in your office, move to the kitchen, put the laptop on the mantel, and stand. She said walk around while you are on phone calls and take breaks to go outside.She said many people are walking around in pain.“There's no big moment where they all of the sudden have an explosion of pain. It is just a little bit at a time and a lot of times we get used to just being in pain.”This story was first reported by Margaret Kavanagh at WTKR in Norfolk, Virginia. 3029