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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

ARLINGTON, Texas (AP) -- Wil Myers hit a first-inning grand slam and the San Diego Padres, with Fernando Tatis Jr. again leading the charge, beat the Texas Rangers 6-4.Tatis fueled a 14-4 rout Monday with a grand slam and seven RBIs. His homer came on a 3-0 pitch from Juan Nicasio in the eighth inning, rankling Texas manager Chris Woodward and the Rangers over what they perceived as breaking one of baseball's unwritten rules.In Tuesday’s game, Tatis singled and scored on Myers' slam.Jurickson Profar added a 2-run shot in the fourth inning. Later in the inning, with the Padres ahead 6-0, Tatis stole third base. The stolen bag, his sixth of the season, put him into a tie for the MLB lead.The Rangers scored four times in the bottom of the fourth off reliever Javy Guerra, but the much-maligned Padres bullpen weathered the storm and made the 6-4 lead stand.Cal Quantrill got the final out for his first save. 923

An Uber Eats driver wanted in connection with the fatal shooting of a customer over the weekend shot the victim in self-defense, the suspect's attorney said Monday.Robert Bivines, 36, turned himself in to authorities around 3 p.m. on Monday after police secured a warrant for his arrest on a felony murder charge, Atlanta Police said.Bivines was arrested and taken to the Fulton County Jail and booked on charges related to the killing of Ryan Thornton, 30, of Atlanta.Police said the shooting happened about 11:30 p.m. Saturday in the city's Buckhead neighborhood after the victim, identified by the Fulton County medical examiner's office as Thornton, placed a food order via his smartphone app."The victim went down to meet the driver, received his order and began walking away from the vehicle," police said. "As the victim was walking away, it appears words may have been exchanged between he and the delivery driver. Shots were apparently fired from the delivery vehicle, striking the victim."The driver fled in a white Volkswagen, police said.Attorney: Suspect shot customer in self defense 1105

As health officials around the world tack COVID-19 infection rates, two universities in the U.S. have partnered with Facebook to try to predict infections with real-time survey data.Dr. Alex Reinhart, an assistant teaching professor of statistics and data science at Carnegie Mellon University and a member of the Delphi Group, says that as health officials were struggling with testing capacity in the spring, they realized they might be able to predict infections by analyzing social media."They realized that if we could know when people are experiencing symptoms, they probably experience symptoms a few days before seeing a doctor. That's probably a few days before they get test results back and so that could potentially be an early indicator," Reinhart said.The Delphi Group reached out to Facebook, which agreed to help them survey its users."Every day Facebook takes a random sample of their active users that day in the United States and internationally and invites them through a little blurb at the top of their newsfeed that says, 'you can help coronavirus research' if you take this survey, which is voluntary," Reinhart said.Once Facebook users click on the survey button, it takes them to Carnegie Mellon's page for the survey. The University of Maryland also jumped on board with the project and conducted the survey for all international Facebook users.Facebook does not receive any survey data and only refers to the interested participants to the survey links. So far, more than 30 million people have taken the survey.Dr. Frauke Kreuter, who is working with the University of Maryland in Germany on the international side, says she's not aware of another global survey on COVID-19."There are two factors globally, I would say. One, is that many countries do not have good reporting systems and so they rely even more on alternative data sources. And the other one is, you want to compare yourself to other countries, but for that you need to have kind of the same measure in each country," Kreuter said. "And that's what we're lacking with a lot of measures right now because each country does there reporting slightly different."So far, Carnegie Mellon and the University of Maryland have been able to develop heat maps showing coronavirus symptoms across the country and world. Reinhart says they've been on par with COVID-19 infection rates being reported from health officials and says the survey has helped them identify patterns when it comes to mask-wearing and infection rates."In early September, we started asking questions about mask usage and we soon found that there is a striking difference in mask usage across the country," Reinhart said. "At the time, places that had lower mask usage seemed to be having a worse time in the pandemic."Reinhart says the survey results are helping them learn more about the effects of mask mandates. Researchers are hoping to continue the survey as the pandemic evolves — for example, they hope to begin gauging users on vaccine usage and skepticism in the coming months.The data is available for anyone to view and use."It's different from what you can get from cell phone mobility data that we see people use because we get to directly ask people what they're thinking, how they're feeling, what they're experiencing," Rinehart said. "We'd like as many people as possible to discover this data and use it for their own important research questions." 3430

An explosion from an electronic cigarette has killed a man in St. Petersburg, Florida, according to authorities who are investigating the circumstances surrounding his death.Tallmadge D'Elia, 38, was found dead this month after a fire alarm went off at his home and officers arrived on the scene, according to his autopsy report. Officials found him with a wound to his top lip area and areas of burns to his body. His death has been ruled accidental.The cause of death is identified as a projectile wound to the head, Bill Pellan, director of investigations at the Pinellas County Medical Examiner's Office, said Tuesday.The projectile was from a section of an e-cigarette. The autopsy noted that the e-cigarette was manufactured by Smok-E Mountain and was a "mod" type device.E-cigarettes are battery-operated devices that produce an aerosol by heating a liquid, usually containing nicotine, flavorings and other chemicals, according to the US Centers for Disease Control and Prevention. Users inhale the aerosol.More than one in every 10 adults has tried an e-cigarette even just one time, according to the CDC. E-cigarettes can come in many shapes and sizes; some are made to look like regular cigarettes, while others are larger devices such as tank systems or "mods."The exact causes of e-cigarette explosion incidents sometimes are unclear, but evidence suggests that battery-related issues may lead to explosions, according to the US Food and Drug Administration.E-cigarettes that are similar in size and shape to traditional cigarettes come with a smaller wattage unit and therefore may not have the power to fail as dramatically, said Thomas Kiklas, chief financial officer of the Tobacco Vapor Electronic Cigarette Association.Larger vaporizers -- such as the device found in the St. Petersburg case -- come with much larger and more powerful batteries."The two major causes of dramatic failures with the larger units are overcharging of the battery and then the shorting of the battery," Kiklas said."Lithium ion batteries fail in other devices as well, but in a laptop, it's on your lap," he said. "In this case, with an e-vapor product, it's close to the face."Though such incidents are rare, this isn't the first time a spontaneous e-cigarette explosion has raised concerns.There were 195 separate e-cigarette fire and explosion incidents in the United States reported by the media between 2009 and 2016, according to data released last year by the US Fire Administration.For example, in 2015, an e-cigarette exploded in a man's face in Naples, Florida, burning his face, chest, hands and lungs. In 2016, an e-cigarette exploded in a New York man's pants pocket. He suffered third-degree burns.Also that year, a 14-year-old girl had mild to moderate burns after an e-cigarette exploded in the pocket of a person nearby while on a Harry Potter ride at Universal Studios in Orlando, Florida.None of those cases was fatal.Kiklas said there are two steps e-cigarette users can take to avoid the risk of an explosion."We've put the caution out before," Kiklas said."Make sure that you use the charger that comes with the battery, and make sure the charger has a shutoff device, an automatic shutoff device, so it's not overcharged. That's typically the biggest issue which causes batteries to fail," he said. "And two, never carry a battery alone, out of its case, in your pocket with change or keys, because that's another way the batteries can short themselves out."The FDA also recommends replacing batteries if they get damaged or wet. 3627