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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) — Some amateur detective work by an East County business owner helped deputies track down two men suspected of stealing a popular wrought iron horse statue.Deputies arrested 56-year-old Percy Hill in Arizona and 62-year-old Rick Freeman near Lakeside on Friday.The men are accused of stealing the 10-foot-tall horse statue from outside the Double S Tack and Feed Store in unincorporated El Cajon on October 2. The statue weighs about 250 pounds, said owner Rita Gallant, somewhat lighter than initial estimates.After the theft, Gallant gathered surveillance video from nearby businesses and solicited tips on social media from the East County community.The video showed two vehicles were involved in the heist, including a distinctive Suzuki Samurai with a yellow flag mounted on a window, Gallant said. But the big break came on October 22, she said. Employees sounded the alarm when two men pulled up in the same Suzuki Samurai with the yellow flag. The men asked about purchasing yard art. Gallant thinks they were actually scoping out more things to steal."Not very smart," she said.After the store posted pictures and videos of the second encounter, a tipster was able to identify one of the men and deputies made arrests in two states."I never dreamed at all that I would ever get the horse back. I just wanted to make sure the people that stole him paid for it," she said.Gallant said she spoke with investigators who interviewed the suspects. "The gentleman took it for his yard," Gallant said. "He was doing a western theme."She drove the roughly 250-pound statue home from Arizona Monday night in a horse trailer. The statue was damaged during the burglary and poorly welded back together, but Gallant said she has plans to make it even better than before.She plans to re-weld the statue with a concrete base — possibly with steps to allow customers to take pictures — and a new sign on the bottom."Double S, one. Thieves, zero," she said. 1973

EL CAJON (CNS) - The California Highway Patrol is investigating a fatal traffic collision in the 13500 block of Piping Rock Lane near El Cajon, authorities said today.At least one person has died, according to a dispatcher with the California Highway Patrol's Border Communications Center.The agency was notified of the crash by Heartland Fire & Rescue at 9:45 p.m. Saturday.CHP investigators were still on scene at 12:15 a.m. El Cajon police did not respond to the incident, as it occurred outside the city's boundaries, an El Cajon Police Department dispatcher said.The cause was under investigation. 614

During the second national lockdown in the United Kingdom, the country’s coronavirus cases dropped by about 30 percent, according to a new study.The report, from the Real-time Assessment of Community Transmission (REACT) program in the UK, looked at swab tests on more than 105,000 people between November 13 and 24.Researchers found about .96 percent of the sample tested positive for coronavirus. This compares to about 1.32 percent positive swab tests of a similar sample in a November 2 report.“Three weeks into the second national lockdown in England there has been a ~30% proportionate reduction in prevalence overall,” the REACT report concluded. However, “average absolute prevalence remains high at ~1%. Continued monitoring of the epidemic in the community remains essential until prevalence is reliably suppressed to much lower levels, for example, through widespread vaccination.”An estimated one in 100 people have coronavirus in the UK, according to the study.The UK’s lockdown started on November 5, and data has indicated there was a spike in cases right after, according to the BBC, as symptoms started to show before the effects of the lockdown.The four-week lockdown is set to be lifted Wednesday in the UK, and regions will fall into one of a few tiers based on the rate of infections in that area. The study’s authors said the latest round of test results show a higher prevalence of positive coronavirus tests in school-aged children, however they note schools have stayed open. The UK’s second lockdown kept schools open while the majority of other businesses closed and residents were asked to stay home and not socialize. The country has been paying 80 percent of employee wages during lockdown. They also found a higher prevalence of positive tests from healthcare workers compared to the October data.Researchers estimate the so-called coronavirus reproduction rate, or number of people who will contract the virus from one infected person, has dropped to about .88. Roughly, this means less than one person contracts the coronavirus from each infected person. 2095

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