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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) - A husband pleaded guilty Tuesday to trying to poison his wife with a heavy metal at their East County home, court officials said.Race Uto, 27, admitted to three counts of premeditated attempted murder in an El Cajon courtroom, according to San Diego County District Attorney's office spokesperson Tanya Sierra.Prosecutors said Uto gave his wife thallium, a metal found in rat poison and ant killers.RELATED: Warrant reveals troubled marriage in poisoning case10News obtained a search warrant indicating Brigida Uto became mysteriously ill in September 2017. She suffered weakness and hair loss, and was eventually near death, according to the warrant. Friends also indicated in a GoFundMe account she suffered nerve and organ damage.Investigators with the FBI, NCIS and San Diego County HazMat determined Brigida had been poisoned by someone with access to her food and drinks. The warrant also showed that Race had an affair while he was deployed in the Navy, and that the couple had gone through counseling.Race Uto was arrested in March 2018. He is scheduled to be sentenced on Mar. 14.Brigida Uto is a special education teacher in the Mountain Empire School District and the mother of a young boy, according to the GoFundMepage. She met her husband at her high school prom when she was 18 and the couple married at 25. 1357

EL CAJON, Calif. (KGTV) — El Cajon Police are warning residents of a recent string of street robberies that have occurred over the past several weeks.Police said the victims have been described as elderly men and have been physically assaulted from behind by a lone suspect. None of the victims report seeing a weapon, but have been robbed while walking on public sidewalks in the areas of the 1000 block of East Main Street and the 800 block of Buena Terrace.The suspect in each case varies, but has been described as either an African American, Hispanic, or Middle Eastern male within the ages of 20 to 40 years old. The suspects are also described as being between 5'6" to 6 feet tall and between 160 and 180 pounds.Police are unsure whether the crimes are related.Now, police are reminding residents to travel in groups and in well-lighted areas visible to others, especially during the holiday season, and to avoid carrying large amounts of cash.Anyone who has information is asked to call El Cajon Police Department at 619-579-3311 or San Diego Crime Stoppers at 888-580-8477. 1090

Director and producer Brett Ratner is the latest Hollywood figure accused of sexual misconduct.In a Los Angeles Times story published Wednesday, six women, including actresses Olivia Munn and Natasha Henstridge, accused Ratner of allegations ranging from sexual assault to harassment in incidents in private homes, at industry events and on movie sets.Ratner denied the allegations outlined in the report to CNN through his attorney, Martin Singer. 466

EL CAJON, Calif. (KGTV) - Boy Scout Troop 363 has been meeting at the Elks Lodge off West Washington in El Cajon for about 35 years: as long as they’ve stored two trailers in their parking lot. One of the trailers is used to store all of their equipment for their monthly camping trips. The other, a trailer full of supplies for their annual Christmas Tree Fundraiser held in November. In June, their camping gear trailer was stolen out of the lot. They went to check the surveillance cameras in the area.Troop Committee Treasurer Julia Flood told 10News, “The one camera that's on this side of the building was cut."With no leads on who might have stolen the trailer, the Boy Scouts decided to collect personal camping gear to continue their trips. A few weeks later, the second trailer, stored in the same lot, was also stolen. The boys' main fundraiser, which raises close to ,000 annually, was their only hope to replace the stolen items the first time."Our hopes was that by the time we had our Christmas fundraiser we’d be able to recoup some of that loss, now they’ve taken our only means we had to try and recoup," said Flood.The Scouts set up a GoFundMe Page asking for ,000. They say that’s how much it will cost to replace both trailers and everything that was inside. In the meantime, they’re just hoping to raise part of that money so they can continue to hold their Christmas Tree Fundraiser a few weeks away."It’s a wonderful start for us so we can get back on our feet and move forward and continue to earn on our own,” Flood said.  1602