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Diana Farrell is the President and CEO of the JPMorgan Chase Institute, which publishes data analyses and insights that leverage the firm's proprietary transaction data. Previously, Diana was the Deputy Director of the National Economic Council, as well as Global Head of the McKinsey Center for Government and the McKinsey Global Institute. The opinions expressed are her own. The deadline to file your 2017 taxes is just a week away. But if you're one of the millions of Americans — roughly four in ten households — who filed back in February, you probably couldn't wait to get your hands on your expected refund.And there's a good chance you put that refund toward a visit to the doctor.That's according to new research by the JPMorgan Chase Institute, which evaluated when Americans in different income and demographic groups file their taxes.Americans who file their taxes early are more likely to receive a larger tax refund. Early filers were also more likely to spend a larger portion of their refund on health care.Related: How to save money on health care in retirementIn fact, American families increase their health care spending by 60% in the very week they receive a tax refund. And those who received their refunds in February increased their health care spending over the following 76 days by 38%, compared with a 22% increase for those who received refunds in March and an 11% increase in April or May.While some high-deductible health plans encourage early-year spending, JPMorgan found that deductibles aren't the motivating force behind this surge.Instead, among the earliest filers, 64% of their health care spending went to services they had been putting off, including dental visits, hospital visits and in-person doctor appointments.What does this mean? It's increasingly clear that families are treating their tax refunds as a zero-interest savings vehicle, the funds of which they're using for important and sometimes crucial expenses like health care.That's problematic for Americans' financial health, because the IRS does not currently give taxpayers control over the timing of their refund payments, outside of choosing when to file your annual refund between January and Tax Day in April. This means it can be challenging or unrealistic to only schedule payments or purchases around your tax refund every spring.It also poses problems for Americans' physical health, because those who rely on this cash infusion to afford health care are likely to delay care.Related: Americans spend more on health care, but have shorter livesGenerally speaking, young people under the age of 35 and those whose take-home pay is less than ,000 are more likely to be early filers because they have a greater need for this cash infusion.Another reason for filing early could be that low-income families are more likely to receive refundable tax credits, such as the Earned Income Tax Credit, money that is not available except through a tax refund. Across all income and age groups, though, people who are owed a larger refund are more likely to file early.Given the link between tax refunds and health care spending, policymakers and employers should consider making changes that would allow consumers to access funds throughout the year. Policymakers might consider offering periodic tax refund payments -- perhaps quarterly payments so that families wouldn't have to defer care until tax season.Another solution is to make the timing of these payments even more flexible and frequent for those who require urgent health care. This could include an option to apply for emergency funds taken out of your upcoming refund, or an option to file at a different time of year and receive a refund based on year-to-date income.Related: How to file your taxes for the first timeBy fixing one of the largest cash flow events to happen between mid-February and mid-May every year, we're virtually guaranteeing that some Americans will have to defer care.Finally, we should encourage employers to offer alternative savings vehicles, like an employer-based sidecar account. This account would share many of the same features of a tax refund, but give consumers more direct control over when they access funds.These could include built-in commitments and "set-it-and-forget-it" transparency, which would enable consumers the option of a one-time payroll election that recurs with every paycheck, locking them into an annual savings choice similar to other employer-sponsored benefits.By better understanding the connection between health care spending and tax season, we can help more families manage their finances to ensure they're getting health care when they need it, not just when they file to Uncle Sam.The-CNN-Wire 4734

EL CAJON, Calif. (KGTV) - At least two people were detained after a man who was struck in the face with a pan died at the hospital. 139

EL CAJON, Calif. (KGTV) - A renowned El Cajon artist who captured a moment in American history is helping it live on today. Olaf Wieghorst, known as the dean of Western art, spent most of his adult life in El Cajon. “He couldn't not paint and everything he painted had a cowboy, an Indian or a horse in it,” said Jim Daniels of the Olaf Wieghorst Museum. Daniels said horses were in Wieghorst’s blood. “Great horseman having been around horses his whole life,” said Daniels. Complete Coverage: Life in El CajonWieghorst’s father was a photographer who taught his son how to do handstands on stools and on horses. Wieghorst used his horse skills as a mounted patrolman in the New York Police Department. After he married a woman named Mae, he was motivated to leave the East Coast. “He was not enamored with her mother so he got out a map of the United States and wanted to find the place farthest from New York,” said Daniels. In 1945, Wieghorst started a new life in El Cajon as a natural artist with no formal training. “He traveled in a pickup truck with a camper shell on it and spent time with Navajo and local Indians all through the west,” Daniels said. Wieghorst often painted from a room which still shows paint splatters on the wall. As his reputation grew, so did his fans: Presidents Eisenhower, Ford, and Reagan, and celebrities including Burt Reynolds and Clint Eastwood. The painter also appeared in western movies with John Wayne, including “El Dorado” in 1967. “They became good friends and drinking buddies and John Wayne would come down and hang out with him.” Two of Wieghorst’s paintings, the Navajo Madonna and Navajo Man sold for more than million in 1985. However, interest in Wieghorst’s work has waned. “I think there's a lot of people around El Cajon still who've never heard the name and could care less, and there were a lot of people then who had no idea they had one of the greatest artists the world has ever had,” said Daniels. The Wieghorst Museum brings in children to keep the painter’s legacy alive. “Part of the strength of a community is remembrance of the past and appreciation of greatness and that's displayed through art.” Wieghorst died in 1988 at the age of 88. 2217

EL CAJON, Calif. (CNS) -- A man who struck and seriously injured a bicyclist in Ramona last fall pleaded guilty Monday to felony charges of reckless driving resulting in serious injury and vandalism.Chase Edward Richard, 35, admitted hitting Michelle Scott from behind on state Route 67 near Dye Road with his Ford Edge last Oct. 2. Scott was struck around 6:15 a.m., and was airlifted to Palomar Medical Center in Escondido with serious injuries.She remained at the hospital for about two months before being transferred to a Poway nursing care facility, where she remains under full-time care, recovering from the brain injury she suffered in the crash, according to the Ramona Sentinel.Richard was arrested less than a week later. The California Highway Patrol said a tip from the public led investigators to Richard's damaged SUV in the garage of his Ramona residence.Richard agreed to a three-year, eight-month term that will include two years in local custody and 20 months of mandatory supervision.Per the terms of his plea agreement, Richard will also perform 200 hours of community service, a component of his sentence that Deputy District Attorney Valerie Ryan said was important to Scott's family.The victim volunteered with multiple local programs, including the local Community Emergency Response Team -- or CERT -- which trains and assists community members in response to emergency situations like natural disasters.Ryan said Scott's husband, Don, hopes that Richard can "do what he can to give back to the community because Mrs. Scott can no longer do that."The prosecutor said Don Scott is "hoping through this time on mandatory supervision that Mr. Richard can change and alter his behavior" and "contribute to the community" once he is released from custody."There's a lot of graciousness and generosity of heart in the Scott family, and they are hoping and looking for Mr. Richard to do better" Ryan said.Sentencing is slated for July 28. 1966

Donald Glover has revealed he and his partner Michelle White have welcomed a third son into their family, according to an interview he gave GQ magazine.The actor, musician, director and writer is famously private. The admission came during an interview with "I May Destroy You" star Michaela Coel for GQ magazine“You know I had (a kid) during the coronavirus,” Glover tells Coel.“I was in the hospital bed. My son had just been born, like, an hour before and I was watching the George Floyd video. It was such a weird moment. It was such an intense, weird moment, because I’m watching that video and it’s like eight minutes long, so you’re sitting there and I had just had this amazing, joyful, expanding moment, plus my dad had passed away recently, so [my son] was named after my father... I don’t even know what, really, the word is to describe it. It was just expanding: the empathy and compassion and the terror and the joy of it.”Glover and White have three sons; Legend was born in 2016, Drake in 2018, and now Donald in 2020. His father, Donald Glover Sr., died in 2018.Glover and Coel talked about a variety of topics in their interview, including current and past projects, being Black in the television industry, racial justice, and a shared passion for writing. 1281