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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

Dr. Scott Gottlieb, commissioner of the US Food and Drug Administration, announced Tuesday a "blitz" on retailers?for violations related to sales of Juul and other e-cigarettes to minors.Forty warning letters were sent to brick-and-mortar retailers as a first step toward stopping underage use of e-cigarettes, the FDA said. The government agency also said it sent Juul Labs, the maker of an e-cigarette popular among teens, a request to submit documents related to product marketing and research, including information about "youth initiation and use.""We don't yet fully understand why these products are so popular among youth," Gottlieb wrote in the public statement. "But it's imperative that we figure it out, and fast. These documents may help us get there."Juul spokeswoman Victoria Davis said the company "agrees with the FDA that illegal sales of our product to minors are unacceptable. We already have in place programs to prevent and, if necessary, identify and act upon these violations at retail and online marketplaces, and we will announce additional measures in the coming days."Electronic cigarettes (also called e-cigarettes or e-cigs), vapes, vaporizers and hookah pens are among the terms used to describe electronic nicotine delivery systems. These products use an "e-liquid" that may contain nicotine as well as flavorings and other ingredients. The liquid is heated into an aerosol that the user inhales. Some products resemble conventional cigarettes, but others look like pens or other ordinary items. Juul resembles an everyday flash drive, which may explain its popularity among teens.The FDA has conducted 908,280 inspections of tobacco retailers, issued 70,350 warning letters and initiated about 17,000 civil money penalty cases in its efforts to fight the sale of e-cigarettes and other tobacco products to minors, it said Tuesday. For the current "blitz," the agency said, it also contacted one online retailer, which removed listings for Juul products and then voluntarily implemented policies to prevent future listings.More than 2 million middle and high school students described themselves as current users of e-cigarettes in 2016 (the most recent year studied), according to a government report: about 11% of high school students and 4.3% of middle school students. Overall, e-cigarette use by high school students increased 900% from 2011 to 2015, according to a separate 2016 report from the US surgeon general.In a recent Johns Hopkins Bloomberg School of Public Health survey, 81% of minors who currently vape said their primary reason for doing so is "availability of appealing flavors.""Widespread reports of youth use of JUUL products are of great public health concern," Gottlieb said in the announcement. "Youth may not understand the nicotine or other characteristics of JUUL."On March 20, the FDA issued a warning that it would act to end the use of e-cigarettes among minors.Juul Labs' website tells the story of two founders, smokers and product designers who had become "increasingly dissatisfied with the health and social impacts of cigarettes" but could find no viable alternative and so created their own -- with "adult smokers in mind.""We are working with the FDA, lawmakers, parents and community leaders to combat underage use, and we will continue working with all interested parties to keep our product away from youth," Davis said on behalf of the company. 3473

DURANGO, Colo. – The young bear that was burned in the East Canyon Fire in June was released back into the wild this week not far from where it was found, Colorado Parks and Wildlife said.The 2-year-old bear had been recovering at CPW’s Frisco Creek rehab facility in Del Norte from burns he suffered during the fire. CPW said the bear weighed only 43 pounds when he was first captured in the fire.But after undergoing salve treatment on his paws, and having his bandages changed 16 times over the course of a month, he recovered and was moved from a pen with concrete floors to one with trees and hiding spaces mid-July, where he spent the past monthMichael Sirochman, the veterinary technician and manager at Frisco Creek, said the bear was 110 pounds and had seen its paws toughen up before he was released Monday.“He’s now about the weight he should be for a two-year-old bear and is in good shape for going into the fall,” Sirochman said.CPW officers originally found the bear on June 16 walking near a pond on the east side of the East Canyon Fire, which burned in June outside of Durango. Officials said the bear was released not far from that location on Monday.CPW said the bear originally hesitated for a moment as it looked at and smelled its new surroundings but then jumped from a CPW truck and ran into the forest. No tracking devices were placed on the bear, which officials said is expected to be fine on its own.“Now he’s got food, he’s got water, he’s got everything he needs,” said Wildlife Officer Steve McClung, “And I hope I never see him again.”This story originally reported by Blair Miller on TheDenverChannel.com. 1647

During a media event celebrating his administration's effort in rolling back regulations, President Donald Trump's rhetoric veered into the 2020 race, bashing presumptive opponent Joe Biden and protesters calling for police reform and an end to systemic racism.Trump began his speech by claiming that his administration had eliminated eight government regulations for every new regulation implemented, fulfilling a 2016 campaign promise. He said deregulation helped the U.S.'s response to the coronavirus, allowing for the creation of personal protective equipment and ventilators.He also claimed that his slashing of environmental regulations has allowed the agency to return to its "core mission."Later, Trump's speech moved from White House event into a campaign-style speech, hitting Biden for signing a coalition agreement with Bernie Sanders that includes climate change and social justice reforms.Trump also made the claim that protesters who have been calling for the removal of statues of Americans with racist pasts want to "destroy our country" — harkening back to a speech that he made at Mt. Rushmore on July 3.Trump's event comes as new polling shows that the president continues to trail behind presumptive Democratic presidential nominee Joe Biden. Trump demoted his campaign manager, Brad Parscale, on Wednesday evening.The event also comes as deaths linked to the novel coronavirus near the 140,000 mark in the U.S. Several states have paused reopening efforts, and several major retailers will soon require masks in stores to help prevent the spread of the virus.Watch Trump's speech in the live video below. 1635

EL CAJON (CNS) - A Santee man accused of in the death of his infant daughter pleaded not guilty today to charges of murder and child abuse. Daniel Charles Marshall, 34, was arrested and charged last week in connection with the April 25 death of 7-month-old Hailey Marshall.Paramedics responding to a medical emergency call in the 8600 block of Paseo Del Rey in Santee on April 22 found the child in medical distress, Lt. Thomas Seiver said. She was pronounced dead at a hospital three days later of injuries that included skull fractures, prosecutors said.The circumstances of the death ``warranted further investigation, resulting in the (sheriff's) child abuse unit responding,'' according toSeiver. ``As the investigation progressed, the homicide unit responded and assumed responsibility of the investigation.'' Marshall is being held in lieu of million bail. 874