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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

Dr. Anthony Fauci, the U.S.'s top expert on infectious diseases, underwent surgery on Thursday to remove a polyp on his vocal cords, according to CNN and NBC News.According to CNN medical expert Dr. Sanjay Gupta, Fauci is "doing OK" following the procedure. Doctors have advised Fauci to refrain from speaking for "a while" in order to let his vocal cords heal.A member of the White House Coronavirus Task Force, Fauci has made regular television and radio appearances since January, when COVID-19 began to spread around the world.This story is breaking and will be updated. 582

Editor's note: An earlier version of this story stated that DACA offered a pathway to citizenship. The program does not offer a path to citizenship, though it allows undocumented immigrants to continue to work and live in the U.S.WASHINGTON — The Supreme Court has rejected President Donald Trump’s effort to end legal protections for 650,000 young immigrants, a stunning rebuke to the president in the midst of his reelection campaign.The outcome seems certain to elevate the issue in Trump’s campaign for reelection, given the anti-immigrant rhetoric of his first presidential run in 2016 and immigration restrictions his administration has imposed since then.Chief Justice John Roberts, joined by the court's four liberal judges sided in the opinion of the court.“We do not decide whether DACA or its rescission are sound policies,“ Roberts wrote. “We address only whether the agency complied with the procedural requirement that it provide a reasoned explanation for its action. Here the agency failed to consider the conspicuous issues of whether to retain forbearance and what if anything to do about the hardship to DACA recipients.”The court's four other conservative judges dissented. In his dissent, Justice Clarence Thomas said he believed DACA was illegal from the moment it was passed in 2012. Justices Samuel Alito and Neil Gorsuch joined him in that opinion.In a separate dissent, Justice Brett Kavanaugh said he felt the Trump administration had taken appropriate action to end the program.President Barack Obama established DACA through an executive order in 2012 after lawmakers were unable to reach a compromise on immigration reform. The program allows undocumented immigrants, many who were brought to the United States as children, to continue working in the U.S.In September 2017, Trump announced he was ending the program with a six-month delay. Several civil rights organizations quickly sued the administration, halting the program's termination. The Department of Homeland Security has continued to process two-year renewals to the program. 2075

EL CAJON (KGTV) - Amid the new COVID-19 restrictions, some local churches are expected to begin holding services outdoors.At Shadow Mountain Church in El Cajon, the sounds of the gospel have been a bit more crisp."Sound is incredible. No echoes, feels intimate ... like church," said Pastor David Jeremiah.Jeremiah says last month, when it became clear COVID-19 capacity restrictions would be too limiting indoors, they decided to move their services outside."Turned out to be a perfect amphitheater," said Jeremiah.A stage has been set up in one of their parking lots. The seating is sectioned off by families, each grouping set 6 feet apart. Services have been moved to the evening to escape the heat. Masks and bottled water are handed out to those who need them. Any singing is mostly limited to musicians on stage to minimize the coronavirus risk."It's our way of doing church. It's the only thing we can do so that's what we do," said Jeremiah.It's also going to be what other churches will do after recent coronavirus restrictions banned indoor church services. At the Good Shepherd Catholic Church in Mira Mesa, an email was sent out announcing weekend outdoor masses.In Poway, officials approved a plan to share park space with places of worship and fitness centers. The city of El Cajon is also weighing a similar plan. Jeremiah says those actions are much needed, because there is no substitute to gathering in person."Church is when God's people come together, and we want to make it possible for people to come together as much as possible, as much as we can, within the context of what we're experiencing with this pandemic," said Jeremiah. 1662

Diana Molyneux, 77, is accused of using her job at the post office to destroy immigrants' mail + legal residency documents.Earlier this year she asked for a new lawyer, accusing defense attorney Carlos Garcia of having a conflict of interest because victims were “his people.” pic.twitter.com/T7G7Vleobu— Adam Herbets (@AdamHerbets) August 26, 2020 356