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Anna Camp opened up in an Instagram post about her recent COVID-19 diagnosis, and pleads with her followers to wear a mask.She says she believes she contracted the virus the one time she didn’t wear a mask. Camp says she was “incredibly safe”, wearing a mask and using hand sanitizer. Then, “one time, when the world was starting to open up, I decided to forgo wearing my mask in public. One. Time. And I ended up getting it.”She describes being “extremely sick” for more than three weeks, and still experiencing lingering symptoms. 540

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

American businesses are on a hiring spree.The US economy added 313,000 jobs in February. That was much stronger than economists expected and the biggest gain since July 2016, according to Labor Department figures published Friday.The unemployment rate stayed at 4.1%, the lowest in 17 years.Wages grew 2.6% compared with a year earlier, a few notches below the pace in January. That delighted investors: The Dow was set to open up more than 150 points. More modest wage growth cools fears about inflation and rising US interest rates, both of which spooked the markets last month.In the first two months of the year, the United States has already added more than half a million jobs.Job gains for December and January were both revised higher.  757

An Ohio company that makes bulletproof backpack shields is experiencing an increase in demand for its product due to concerns over school shootings."We've had, I would say, a 100 to 200 percent increase certainly in response," said Matt White, the director of marketing for ShotStop Ballistics, based in Stow.The backpack inserts are one-quarter inch thick and weigh about a pound. It's made from the company's Duritium technology, which can block bullets from handguns and some rifles. However, it does not protect against high-caliber weapons, like AR-15s.The shields come in hard or soft designs and cost 0.White said more parents have been inquiring and ordering the insert following the Feb. 14 school shooting in Parkland, Florida. Demand also increased after a 13-year-old boy died after shooting himself inside a middle school restroom in nearby Jackson Township."The fact that you're even here and we're talking about it, it's terrible," White said. "It's not something that we ever envisioned. It's not something that we had planned for, but the potential with what's out there now, it's one more layer of safety."White said the bulletproof product was originally meant as a clipboard for police officers to provide added protection during traffic stops.Some believe sending kids off to school with the shield only creates more fear and anxiety."It's not right. I mean, come on," said Dave Spearing who has grandchildren in the nearby Cuyahoga Falls School District. "Schools are safe."But Kendall Kubus, a recent Akron Archbishop Hoban High School graduate, sees it differently."I think it's protecting us against if that is a scenario, we have that protection and parents have that in their mind that, "Okay, my child is there. They're going to be safer."' 1819

An artificial intelligence tool can help doctors when deciding which COVID-19 patients can be sent home, according to a study that started in May.Researchers at New York University used the AI tool to analyze thousands of COVID-19 cases. The team used data from Asia and Europe to develop the model.It uses lab results, vital signs and oxygen requirements to determine how the patient will do over the next few days.The study has found the AI tool can identify patients that will do well with 90% precision, which could help doctors prioritize care and make discharging plans for others.Doctors always make the final call, but the AI tool can help reaffirm their decisions.“It's augmenting, but it's also teaching a little bit, because you know when the physicians see a patient that looks well, but the models say they may not be well, they can look at the, the features right? The vital signs and labs and other things that are saying that this patient isn't well and then they can start to understand or create a mental model,” said Yin Aphinyanaphongs, Director of Translational Clinical Informatics for DataCore, NYU.The researchers are still running randomized trials for about another two months, looking at the average time patients spend in the hospital.The hope is the AI tool could help reduce the length of stay.“That's extremely compelling because now you don't just show oh I have a model that can predict a favorable outcome, but now you have a model, right, that actually affects the outcome,” said Aphinyanaphongs.Another team at NYU is now conducting a survey among doctors that have used the tool. One facility has already implemented it.The researchers wanted to make sure it's easy for other organizations to start -- so the software can be up and running in about half a day. 1805