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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, (KGTV) -- A jewelry store owner in El Cajon left with nearly nothing after thieves stole 0,000 worth of gold from him.Forever Fine Jewelry means everything to the owner. It's a sanctuary for his craft -- covered in silver and gold -- until thieves came in and took it away.The owner's daughter didn't want to show her face or give her name, but she walked 10News through surveillance video from February 28th.That's the day a group of nine people stole 0,000 worth of jewelry. Two of them were carrying babies."This group right here, the four people right here, are going to pull him all the way to this corner cause that’s the farthest away from the back room."Meanwhile, a woman in a black shirt and long skirt crawls on the floor to the safe in the back. For six minutes, cameras roll on her bragging everything in sight."She's getting all the bangles, she's getting all the earrings, chains, mostly the bangles, the bracelets the anklets," said the owner's daughter. She also took ,000 in cash."That’s the cash box and that’s where the detective was able to get her fingerprints as well. "The owner hit a panic button once he started getting suspicious but the alarm didn't go off.A family of immigrants who started with nothing -- now back to square one. "We're bringing everything that we have to help my father start from zero again." 1367

Dr. Anthony Fauci, the nation's top infectious disease expert, called for the U.S. to "double down" on what he called "common-sense" public health measures on Monday as the country faces a critical juncture amid the COVID-19 pandemic.After enormous surges in cases in the spring and summer, the U.S. was able to flatten the curve a bit in early September. According to Johns Hopkins, the U.S. dropped to a low point of about 34,000 new daily cases of COVID-19, down from a high of about 70,000 new cases in July.However, case rates have increased gradually in recent weeks, and Fauci warned that Americans need to take public health measures seriously as cold weather forces many indoors, adding that the country is "not in a good place" ahead of winter."(Some states) are starting to show upticks in cases and even some increase in hospitalizations in some states," Fauci said Monday during an appearance on ABC's Good Morning America. "You don't want to be in a position like that as the weather starts getting cold."Fauci added that despite the increase in cases, he did not believe the U.S. needed to go into another total lockdown similar to the one that took place in March and April."I would really like to not go there because it causes so many collateral issues and problems," Fauci said. "...obviously, if things really explode, you'd have to consider that. But we want to do everything we possibly can to avoid an absolute shutdown. In other words, get the cases under control by the common-sense types of things that we've been talking about all along, those public health measures."However, Fauci said he was "concerned" by Florida's decision to reopen bars and restaurants. On Friday, Florida Gov. Ron DeSantis moved the state into "Phase 3" of its reopening plan, meaning that restaurants, bars and hotels can operate at full capacity. Local governments are also unable to restrict a business' operating capacity unless granted permission by the state.Fauci said he was specifically troubled by the state's reopening of bars."That is very concerning to me," Fauci said. "We have always said that — myself and Dr. Deborah Birx, who is the coordinator of the task force — that that is something that we really need to be careful about, because when you're dealing with community spread, and you have the type of congregate setting where people get together, particularly without masks, you're really asking for trouble."In the past, Fauci has advocated for five common-sense public health measures that all Americans should take amid the pandemic: Wearing masks, avoiding crowds, keeping six feet apart from others, constant hand washing and opting for outdoor activities over indoor activities. He says if the U.S. continues to follow those guidelines, the country can continue to open up the economy."If you (open the economy) in a prudent way — in a prudent way means focus on things that are important — you can open businesses, you can do things like that," Fauci said. "But when you start opening up bars without masks or congregate settings where people are indoors without masks, that's asking for trouble." 3136

EL CAJON (KGTV) – An El Cajon property owner said a police pursuit in March that ended at her property has led to questions over repairs.Jenny Wu has owned the property in the Villa Madera condominium complex on Mollison Avenue for more than a decade. On March 19, a vehicle crashed into her home, causing extensive damage.According to Wu, she had two elderly renters living there at the time of the crash, with one ending up in the hospital. She said she gave the information about what happened to her homeowner’s association immediately following the incident.More than five months after the crash, her property is still boarded up.Through her translator, she said the HOA wanted to investigate. Wu and her son said communication from the HOA and the property management company on the process to fix the condo has been spotty.Dan Zimberoff is an attorney who specializes in HOA matters.He is not involved in the case, but said the association typically insures common area.“When you have a singular affected homeowner like you do here, many times I see the association allows that homeowner have direct access with the adjuster. It just streamlines the processes and allows that direct communication,” Zimberoff said.Wu was one of the many temporarily laid off from her job at a local casino because of the pandemic. She still pays HOA fees at her condo, which adds up to roughly 0 per month.The president of Property Management Consultants said Team 10 has “been told many inconstancies [sic].” President Hugh Maynard said the insurance company would be contacting Team 10 with information, but the company never reached out. Maynard said the owner did not carry their own insurance and the HOA is paying the deductible.He added that they have kept the “family up on every turn of events” and showed Team 10 emails as proof. Wu’s son, who has been helping his mother with communication, admitted there have been emails exchanged with the property management company, but it has not been consistent.Maynard said the insurance company was controlling the rebuild, adding that the City of El Cajon condemned the unit.A spokesperson for the City of El Cajon confirmed the unit was tagged as structurally unsafe and permits will be required to repair it. As of this week, no permits have been applied for, said spokesperson David Richards.“I want them to fix the problem as soon as possible,” Wu said through her translator. No timeline has been given for when repairs on the unit will begin. 2503

EL CAJON, Calif. (KGTV) — Police in El Cajon are investigating the discovery of a man's body inside a home.El Cajon Police say the body was reported just before 9 a.m. in the 1100 block of Marline Ave. Police said the man is in his 30's and called his death "suspicious." No suspect or suspects are in custody, according to police.Anyone with information about the case is asked to call police at 619-579-3300 or Crime Stoppers at 1-888-580-8477. 454