吉林早泄去那里(吉林做包皮手术的哪家医院专业) (今日更新中)

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. Sean Conley, physician to President Donald Trump, briefs reporters at Walter Reed National Military Medical Center in Bethesda, Md., Saturday, Oct. 3, 2020. Trump was admitted to the hospital after contracting the coronavirus. (AP Photo/Susan Walsh) 261

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

During a stop for his book tour in Missoula, Montana, Monday night, former Vice President Joe Biden discussed his 2020 prospects, saying he believes that he is the "most qualified person" to be president, noting a decision is coming in the next two months, and acknowledging he's a "gaffe machine.""I'll be as straight with you as I can. I think I'm the most qualified person in the country to be president," Biden said to applause at the University of Montana. "The issues that we face as a country today are the issues that have been in my wheelhouse, that I've worked on my whole life.""No one should run for the job unless they believe that they would be qualified doing the job. I've been doing this my whole adult life, and the issues that are the most consequential relating to the plight of the middle class and our foreign policy are things that I have -- even my critics would acknowledge, I may not be right but I know a great deal about it," he added.Biden said his family must now decide as a "unit" whether or not they're prepared for a run -- setting a decision time frame of the next six weeks to two months."I have two young grandchildren my son left who love me and adore me and want me around. I want to be there to take care of them, so we've got to figure out whether or not this is something we can all do as a family," he said. "We're going to make that decision in the next six weeks to two months, and that's the basis of the decision."The moderator, Bruce Feiler, pointed out some of the potential liabilities of a Biden campaign, saying "He's too old. He signed, he cosponsored the crime bill. He was the chairman of the judiciary committee during the Anita Hill hearings, and he's out of touch in the era of Me Too. .5 million ain't gonna cut it anymore, you need 0 million. Who wants to wake up at 6 a.m. for the next two years and get insults from the President of the United States?...You're a gaffe machine. I could go on. Which of these scares you the most?""None of them," Biden said before moving on to defend some of those potential liabilities."I am a gaffe machine, but my God what a wonderful thing compared to a guy who can't tell the truth," he said. "I'm ready to litigate all those things, the question is what kind of nation are we becoming? What are we going to do? Who are we?""Whether or not I run, whoever runs, I'm going to break my neck to make sure they win," he said. "We can't have four more years."Earlier in the night, Biden discussed some of the missteps of his 1988 presidential campaign, including accusations of plagiarism while he was in high school."It all came out in the wash -- I never did plagiarize, I never did -- and it all was proven that that never happened," Biden said.However, in 1987, Biden acknowledged that he had plagiarized part of a law school paper.The-CNN-Wire 2854

Economic uncertainty may be roiling the country right now, but that’s not stopping home sales. In some areas, like the suburbs of New York City, bidding wars are back. In July, one house in Orange, N.J. had 97 showings and 24 offers, according to the New York Times.That same month, .3 billion worth of residential real estate sold in the suburbs of Washington, D.C., according to the Washington Post, compared to .2 billion the year before—demonstrating just how much demand there is in some parts of the country. That demand has caused median home prices to spike. Prices in September are 13% higher than they were the same time last year, the largest increase since 2013, according to real estate listing firm Redfin.“We are seeing really interesting trends emerge from COVID that are causing demand to change to an all-time high at the same time that the supply of availability is at an all-time low,” says David J. Wilk, assistant professor of finance and director of the Real Estate Program at Temple University’s Fox School of Business.That means a lot of homes, especially those close to big cities, are suddenly worth a lot more. For homeowners, it’s an envious position: Their equity has bloomed. But what should they do with it? Here are three options.1. Sell Your HomePrices are high, so it’s time to sell, right? As with everything in real estate, it depends.Selling might be the right move for older homeowners who are looking to downsize to a smaller house, a condo or 55+ living. It also may be ideal for homeowners interested in moving to a lower-priced housing market—if the timing is right, and you absolutely know where you want to go.Dottie Herman, CEO of Douglas Elliman, a Manhattan brokerage firm, says it’s also not a bad time to cash out of the ‘burbs to make a city move if you’ve wanted to do so—especially to Manhattan, where sales were sluggish this spring and summer. “If you really love New York City and you believe as I do that it will come back, it’s a great time to buy in the city,” she says, adding that it might be another three to four years before prices rebound.Beware: Your New House Also May Cost MoreIf you want to stay in the same area, a jump in your home’s price most likely means the house you want has made the same leap.You can still consider trading up, especially if your lifestyle has changed because of the pandemic, and you anticipate it staying somewhat altered when we’re on the other side of it. That may mean more people in the house more of the time—and the need for the space to match. “If you can work from home and you don’t have to commute every day, then that drastically changes your decision matrix,” Wilk says.Falling Interest Rates Can Make a Move Make SensePlus, with interest rates for 30-year mortgages at record lows, getting a bigger mortgage now might make sense in the long term. Just make sure you can still afford the payments and aren’t necessarily banking on that home also becoming a big pay out down the road because the housing market is cyclical and eventually will fall down again.“Rushing to sell your house or buy a house because of the short term isn’t a prudent move,” says Danny McAuliffe, CFP, wealth advisor and head of planning at Perigon Wealth Management. “Making decisions based on what you can afford and make sense for you and your family, that is going to be a better situation for the long term.”If you’re thinking of making that high- to low-cost market move, Herman warns that you should at least live in the place first by renting to see if you really like it. This is especially true for seniors who dream of ditching colder climates for warmer places.Not only does it make sense to get a feel for the area in which you want to live that you can’t achieve while on vacation, but you also will learn if you have the temperament to be away from family for so long. Otherwise, you’ll cash out now and have to buy back in—and who knows what the market will be like then.2. Have Your Home Appraised to Ditch Mortgage InsurancePrivate mortgage insurance (PMI) is usually tacked onto your monthly mortgage payment if you put down less than 20% on the property when you purchased it. PMI is there to protect lenders in case you walk away. But if your home is suddenly worth more, you may hold enough equity to request to have PMI cancelled.To do this, you need to show lenders the home has increased in value, which means paying for a home appraisal. Those typically cost between 0 and 0. Meanwhile, PMI typically costs between 0.05% and 1% of the loan amount annually, which means the appraisal will pay for itself.If you’re staying put, you should also reassess your insurance to make sure it matches what your home is now worth, says McAuliffe. That’s because a policy based on a lower price may not cover the current value of the home, should the worst happen and you need to rebuild.“Specifically you want to make sure that the dwelling coverage in your homeowners policy is sufficient to rebuild your home if something catastrophic were to happen,” he says, adding that these policies typically exclude earthquake and flood insurance.3. Take Equity OutWith interest rates so low, taking some equity out is another option. You can use that money to make renovations to your current home—which may be tax deductible, says McAuliffe—or pay off high interest credit card debt—as long as you don’t then rack up debt on them again.You can take equity out in several ways, including through a home equity line of credit (HELOC) or a cash-out refinance, where you pull the equity out in, well, cash. Homeowners at least 62 years old also can take out a reverse mortgage, which lets them borrow from their home’s equity.Herman says money drawn from equity could be used to buy another property, either as a second home, or to rent out. But only think about becoming a landlord if you have tolerance for it and can cover the mortgage in the case the property is empty between tenants, or tenants stop paying.Just make sure that you aren’t taking all of the equity out. People who got in trouble in 2007 and 2008 “pulled all of their equity out,” Herman says. “When prices dropped, they were stuck because they had used all the equity up in their home for something else.” So don’t press your luck and strip your house of all its old and new equity, or else you may wind up with a house worth less than what you owe on it. 6432

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