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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

Disney Parks announced Thursday that one of its most beloved rides will be getting a makeover.According to a press release, "Splash Mountain" at both Disney World and Disneyland will be re-themed after Disney's 2009 name film "Princess and the Frog" — the first Disney movie to feature a Black princess character."Splash Mountain" opened at Disneyland in 1989 and at Disney World in 1992. Since its opening, the ride has been themed after the 1946 film "Song of the South" — a movie set in the Antebellum South that, since its release, has been criticized for its handling of race.Earlier this month, a viral petition called on Disney to re-brand the ride at all of its parks amid nationwide protests against systemic racism. However, in its press release, Disney says that it has been working on re-imagining Splash Mountain since last year."(The Princess and the Frog is) a great story with a strong lead character, set against the backdrop of New Orleans and the Louisiana bayou," the company said in a blog post. "In 1966, Walt (Disney) himself opened New Orleans Square when it became the first new "land" added to Disneyland park, so it feels natural to link the story and the incredible music of "The Princess and the Frog" to our parks."Disney says a timeline on the project will be available "soon."A version of Splash Mountain also exists at Tokyo Disneyland in Japan. It's currently unclear if that ride would also be re-themed. 1447

EL CAJON, Calif. (KGTV) - Grossmont College is looking to expand a program that offers free textbooks to students.The Open Educational Resources program, or OER, allows students to download digital versions of textbooks for free. College officials say it can save students more than ,000 each semester. In the 2018-19 school year, Grossmont students have already saved nearly .3 million."We realized students were making decisions like, 'Do I want to buy food today or do I want to purchase my textbook?'" says Professor Dave Dillon, who has championed the program at Grossmont.A study in 2013 showed that students spend around ,500 each year on textbooks. That's more than a semester of tuition at Grossmont, which is ,334.Additional studies showed that anywhere from 50-60% of students have decided not to buy a textbook for a class because it's too expensive.Dillon and five other professors started offering courses with the OER textbooks in 2016. Convincing teachers to switch from their traditional books to the OER versions has been a challenge, but Dillon says more come around every year.By 2018, 46 teachers had begun using the books. In the spring of 2019, about 100 teachers are using OER."Those are openly licensed materials that are free for students to use," explains Dillon. He adds that the texts offer the same quality as the books that cost students hundreds of dollars."For me, it was just too much money to pay," says Grossmont 2nd year student Edwin Hernandez. "A lot of times, I'd skip buying the book and just really pay attention as much as I can in class. It barely got me by, but it's still a bigger struggle."Fellow student Carlos Espinoza says he used the money he saved on textbooks to buy his first car. That helped him avoid spending more than two hours each day on the bus or trolley to get to and from campus."It saves me so much time," he says.While the books are digital, students have the option to purchase a printed version of the books for about each. Dillon says he's seen test scores and class completion rates skyrocket since he switched to the free textbooks.Grossmont offers two full Associate's Degree programs using just OER books, Geography and Sociology.But they don't work for every area of study. Many STEM courses have supplemental books that students still have to buy. So do English and Literature classes, where students need to purchase novels which aren't in the public domain.Meanwhile, publishers have begun to fight back. According to Dillon, some are trying to downplay the quality of the OER books. Others have tried to write their own versions. And some companies are switching to a subscription-based model, similar to Netflix, where students pay a yearly or monthly fee to have access to all of the publisher's library.Dillon says he's in favor of anything that can help more students afford college."It solves an equity issue," he says. 2923

Dozens of people are gathering outside of the TCF Center in Downtown Detroit, trying to get inside to challenge votes which are being counted.People outside of the center say they are not being let in to challenge the votes. The Detroit Health Department said TCF Center is at capacity and that's what police are enforcing.Republicans are hoping to challenge the vote and claimed they were unfairly being kept outside where the absentee ballots are being counted. Hundreds of challengers are already inside TCF Center.Video from our photographer inside the center showed one poll challenger being escorted out of the TCF Center to cheers. 646

Disney Parks announced Thursday that one of its most beloved rides will be getting a makeover.According to a press release, "Splash Mountain" at both Disney World and Disneyland will be re-themed after Disney's 2009 name film "Princess and the Frog" — the first Disney movie to feature a Black princess character."Splash Mountain" opened at Disneyland in 1989 and at Disney World in 1992. Since its opening, the ride has been themed after the 1946 film "Song of the South" — a movie set in the Antebellum South that, since its release, has been criticized for its handling of race.Earlier this month, a viral petition called on Disney to re-brand the ride at all of its parks amid nationwide protests against systemic racism. However, in its press release, Disney says that it has been working on re-imagining Splash Mountain since last year."(The Princess and the Frog is) a great story with a strong lead character, set against the backdrop of New Orleans and the Louisiana bayou," the company said in a blog post. "In 1966, Walt (Disney) himself opened New Orleans Square when it became the first new "land" added to Disneyland park, so it feels natural to link the story and the incredible music of "The Princess and the Frog" to our parks."Disney says a timeline on the project will be available "soon."A version of Splash Mountain also exists at Tokyo Disneyland in Japan. It's currently unclear if that ride would also be re-themed. 1447

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