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As a 58-year-old woman on disability, Robin Short of Wallingford, Connecticut, relies on her tax refund to catch up on bills. She filed her return electronically in February, opting for direct deposit so she could get her 3 refund quickly.She’s still waiting, as are millions of others. The IRS is slowly resuming operations after pandemic-related lockdowns, but delayed refunds are devastating some people’s finances.Tax refunds have become a lifelineTax refunds, which last year averaged ,979, are the largest single infusion of cash for about 30% of U.S. families, says Fiona Greig, consumer research director at the JPMorgan Chase Institute, which researches economic issues. While many Americans use refunds to save or to pay down debt, significant numbers rely on the money to cover bills or to get needed medical care — and that was true even before millions lost jobs and income during the COVID-19 pandemic.Delayed refunds can lead to evictions, hunger, creditor lawsuits and health problems from postponed medical care, among other ill effects. Many households live so close to the edge that they can experience hardship when a refund is delayed by two or three weeks, let alone several months, says John Thompson, chief program officer for the Financial Health Network, which researches financial challenges facing low- and moderate-income households.“Not everybody has got the kind of flexibility or resilience to just be able to hold on,” Thompson says.Pandemic shutters most IRS operationsThe IRS started shutting down tax return processing centers in March, along with its taxpayer help line, local offices and volunteer assistance programs. Soon after, it focused on sending out more than 159 million payments as authorized by the coronavirus relief package. By mid-May, the agency faced a backlog of 10 million pieces of unopened mail, including paper tax returns.People who filed electronically generally got their refunds unless those returns were flagged, commonly because of identity theft concerns or a mismatch between the information on the return and what was provided by employers or financial institutions.In Short’s case, the TurboTax software she used counted a ,800 annual pension payment twice, as both 1099 income and as W-2 income. The IRS sent her a letter about the error and advised her not to contact the agency for 60 days while the issue was resolved. Then, the lockdowns happened.Short says her pension and monthly Social Security disability checks don’t cover her expenses. She makes arrangements to pay overdue bills, such as her power bill, when her refund arrives. Otherwise, she says, the math of living on a low fixed income gets grim.“Either you miss a payment on the electric bill, or you don’t get your medicine,” says Short, a former facilities manager and insulin-dependent diabetic who was severely injured when her car was hit by a drunk driver.Using refunds to catch upPutting off bills, then using tax refunds to catch up, is a common practice among strapped households, Thompson says. A survey of people who used free filing methods for lower- and moderate-income taxpayers last year found roughly half said they needed their refunds for bills, rent, groceries and other everyday expenses, according to Prosperity Now, a nonprofit that promotes financial security.People also increase their health care spending significantly after refund checks arrive. A 2018 study of 1.2 million checking account holders found health care spending rose 60% in the week after people received refunds, indicating many were catching up on care, Greig says.It’s not clear how long it will take the IRS to address the backlog or when taxpayers can expect their money. People can try using the “Where’s My Refund?” tool on the IRS site or call the taxpayer help line, but getting through to a human is difficult even in normal times. Congress has cut the IRS’ budget by 20% since 2010, leading to a 22% reduction in staff, according to acting National Taxpayer Advocate Bridget Roberts. Without adequate staff, the agency answered less than one-third of its calls last year. Another option is to contact the Taxpayer Advocate Service, which has representatives in each state.Rather than wait for the IRS to return their money each year, taxpayers can adjust their withholding so they get more money in their paychecks. But many don’t feel comfortable changing their withholding in case they wind up owing big sums, Thompson says.“You’d have to predict how the year is going to go,” Thompson says. “And what could we possibly predict about this year?”This article was written by NerdWallet and was originally published by The Associated Press.Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4782
Are you a master of cryptocurrency? Are you tired of mining for money and looking for something to take your mind off of it?You're in luck, a Las Vegas strip club is accepting Bitcoin and making it easy to use the currency inside of the club.The Legends Room is located near Twain Avenue and Valley View Boulevard and is one of the first strip clubs to go crypto. The club has an in-house Bitcoin ATM, which allows customers to purchase Bitcoin on site.The ATM is great but Bitcoiners will really be excited to learn that the dancers will wear temporary tattoos that can be scanned by an iPhone for tipping purposes.Why make it rain when you can make it code? 672

As a primary care doctor at Vanderbilt University, Dr. John Scott can understand why people were initially delaying preventative care back in the spring, but now, many of the patients he’s seeing are sicker, having delayed routine care for months.“We’re going to have to pay that bill later, and the cost is going to be much greater,” he said.What worries Dr. Scott the most is the 50 percent drop-off in cancer screenings across the country. With Americans avoiding the doctor, they’re putting off preventative screenings for breast cancer, colon cancer and cervical cancer. Diseases that have a much higher rate of being cured when caught early.“So, the impact of that is significant when you think about the benefit of catching cancer at an early stage,” Dr. Scott added.Nearly one-third of Americans have put off healthcare during COVID-19, which is why physicians nationwide are now urging people to schedule that regular checkup sooner rather than later. According to the CDC, 40 percent of Americans are also struggling with mental health issues and depression right now, something most doctors screen for during regular checkups.“Healthcare is a marathon and you want to put the finish line as far out as possible, so if we start skipping steps, then we aren’t going to get to the finish line we want,” Dr. Scott warned.And since it could be months or even years before the pandemic is over, family physicians across the country are urging people to at least consider making that a trip to the doctor.“It’s safe to return. It’s safer to return than not, when we look at these long-term issues. There is medical care that needs to occur,” Dr. Scott added. 1670
An abandoned bus in the Alaska backcountry, popularized by the book “Into the Wild” and movie of the same name, was removed Thursday, state officials said.The decision prioritizes public safety, Alaska Natural Resources Commissioner Corri Feige said.The bus has long attracted adventurers to an area without cellphone service and marked by unpredictable weather and at-times swollen rivers. Some have had to be rescued or have died. Christopher McCandless, the subject of the book and movie, died there in 1992.The rescue earlier this year of five Italian tourists and death last year of a woman from Belarus intensified calls from local officials for the bus, about 25 miles from the Parks Highway, to be removed.The Alaska Army National Guard moved the bus as part of a training mission “at no cost to the public or additional cost to the state,” Feige said.The Alaska National Guard, in a release, said the bus was removed using a heavy-lift helicopter. The crew ensured the safety of a suitcase with sentimental value to the McCandless family, the release states. It doesn’t describe that item further.Feige, in a release, said the bus will be kept in a secure location while her department weighs various options for what to do with it.“We encourage people to enjoy Alaska’s wild areas safely, and we understand the hold this bus has had on the popular imagination,” she said in a release. “However, this is an abandoned and deteriorating vehicle that was requiring dangerous and costly rescue efforts. More importantly, it was costing some visitors their lives.”McCandless, a 24-year-old from Virginia, was prevented from seeking help by the swollen banks of the Teklanika River. He died of starvation in the bus in 1992, and wrote in a journal about living in the bus for 114 days, right up to his death.The long-abandoned Fairbanks city bus became famous by the 1996 book “Into the Wild” by Jon Krakauer, and a 2007 Sean Penn-directed movie of the same name.The Department of Natural Resources said the 1940s-era bus had been used by a construction company to house employees during work on an access road in the area and was abandoned when the work was finished in 1961.In March, officials in the Denali Borough based in Healy, about 25 miles (40 kilometers) from the bus, voted unanimously to be rid of it. 2324
As COVID-19 cases spike across the country, public health experts, doctors and everyday people are constantly checking the spread of the virus in their communities.There are several tools available that give a variety of information regarding case levels. Some trackers provide the number of cases over a 100-day period, while others compare the number of positive tests to the total number of tests.The information can be overwhelming, especially for those who are not health experts. What information is useful, and how should the general public use it to make decisions about their everyday life?Health experts say any tool will help provide context to the situation, as long as the information comes from a legitimate source, like a state health website or reputable institution like Johns Hopkins University.But to make things easier to understand, experts suggest using just one tool in order to get information."If you're traveling somewhere, you want to be able to compare your risk at home versus your risk on the trip," said Dr. John Hammer, the chief of medicine at Rose Medical Center. "It's nice to have a tool that's used in both places to measure that."Using just one source makes it easier to understand the situation, even if the numbers vary from tool to tool. 1286
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