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Did you dabble in bitcoin in 2017, riding the cryptocurrency roller coaster that seemed to captivate the nation? You may be on the hook for taxes — no matter how you acquired or used it.You can run afoul of IRS rules on bitcoin in a few surprising ways. Here’s how using bitcoin can affect your tax situation. 322

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 man in his mid-30s was killed Sunday afternoon after the SUV he was driving struck a tree in El Cajon.El Cajon police say the driver of a 1998 Ford Explorer drifted onto a center divider then slammed into the tree on N Second Street near Greenfield Drive at 1:49 p.m.The man was pronounced dead at the scene. His name was not released pending family notification.Surveillance video from a nearby store shows the impact of the crash and the aftermath. Several good Samaritans ran over to try to help the driver until police arrived.N Second Street between Persimmon Avenue and Greenfield Drive was closed off for approximately four hours as police investigated.Police said it was unknown if drugs or alcohol were factors in the crash. People who heard the crash told 10News they did not hear tires screeching leading up to the impact. 871

DOWNTOWN (CNS) - A man was stabbed Sunday in downtown San Diego, police said.At around 2:20 p.m., two men became involved in a physical altercation near the intersection of C Street and Seventh Avenue, and one stabbed the other twice in the stomach, San Diego Police Officer Dino Delimitros said.The victim, who was in his 50s, suffered injuries that were not considered life-threatening, Delimitros said.The suspect is described as a man wearing black pants, and he remains at large. 497

EL CAJON, Calif. (KGTV) - When their friend was diagnosed with cancer, two El Cajon fifth-graders never imagined it would make her feel unwelcome at school. "She was coming back to school for half days because she was feeling a little bit better, and we heard that she was being bullied," said Wriley Lee, referring to her friend Trianne Nguyentu.Lee and another student, Matthew Stevens, decided they needed to do something to support Nguyentu. "Most people here don't really care what your appearance is, and after I heard about that, I said that's not right," said Lee.RELATED: San Diego grandmother grateful for man's random act of kindnessSo the Vista Grande Elementary students decided to shave their heads in solidarity. "Honestly, at first, I didn't believe them. I thought they were trying to get a rise out of me because it was so unexpected," said Principal Tita Cordero-Bautista. But the students were serious, so Cordero-Bautista teamed up with a school counselor to guide the students through the process.To teach more students a lesson in empathy and compassion, the counselor helped Lee and Stevens give an announcement to their classmates explaining their choice. "Appearance doesn't really matter; it just matters what's on the inside," said Lee. RELATED: Neighborhood 'angel' goes above and beyond to help othersPrincipal Cordero-Bautista says Nguyentu stopped by campus on Monday, confident and happy thanks to the actions of her peers.So far, a total of five kids have shaved their heads to support her. Nguyentu hopes to return to school next month. 1580

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