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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

Dozens of wildfires are burning throughout California in August as news is emerging that a wildfire burning in Northern California is the largest in state history. The fires burning a few miles apart, known as the Mendocino Complex, started on July 27 and now encompasses an area the size of Los Angeles. 2018 also marks the second straight year California has recorded the state's largest wildfire following the Thomas Fire in 2017. A fire that began Monday is also spreading quickly in Orange County. Known as the Holy Fire, the blaze is tearing through fuel that has been accumulating for 40 years. Currently, nearly 30 wildfires are burning throughout California. Scroll through the map below for more information on each fire:  765

During the holidays, we often have lots of gifts to send to family and friends and instead of paying a hefty amount to ship them overnight, there’s a new and less costly way to send presents. It’s called Roadie and it’s an app.Once you’ve downloaded the app, you simply start a new gig. Type in where you need your items shipped. It doesn’t matter if it’s the next town over or two states away. You’ll then be set up with a driver headed in that direction. The driver will then pick up and drop off your packages in a matter of hours or few days.The app lets you track your package too. You can ask the delivery driver to take a picture of it along the way.There is no need to worry about package protection. Each gig has a 0 warranty and you even have the option of purchasing an additional ,000 in protection.If you’re wanting to make extra cash by simply delivering the package to the city you’re already headed to, drivers get paid on mileage and urgency.If you’re nervous to try Roadie, just know the new concept of shipping and delivering is backed by UPS. 1081

During the coronavirus pandemic, airlines scaled back on serving in-flight food and drink service to avoid the virus's spread by contact.Well, United Airlines seems to be wading back into the water with news of it slowly bring back food and alcohol.According to USA Today, the airliner will begin test running the sale of food, beer, and wine to economy passengers on select flights from its hub in Denver, Colorado, starting Nov. 17.The test run would also include travelers on flights from Denver to eight destinations: Boston; Chicago; Honolulu; Houston; Los Angeles; Newark, New Jersey; San Francisco; and Washington, D.C., USA Today reported.On their "safety updates to inflight dining" page, United stated that passengers in economy traveling domestically on flights over 2 hours and 20 minutes would receive a complimentary snack bag that'll include two snacks, a small bottle of water, and a sanitizer wipe.If traveling in first-class from Boston, Chicago O'Hare, Cleveland, Denver, Houston Intercontinental, Los Angeles, New York/Newark, San Francisco, Washington Dulles, and Honolulu to San Francisco and Los Angeles, you can select either a cold sandwich or a snack box.Snacks for flights under 2 hours and 20 minutes would not receive snacks in economy, the airliner said, but you can bring your snacks on board.If traveling domestically in first class, and the flight is between 1 hour and 2 hours and 20 minutes, passengers would receive a complimentary snack bag that'll include two snacks, a small bottle of water, and a sanitizer wipe.For drinks, United said passengers would receive complimentary soft drinks, coffee, and tea. Alcoholic beverages are only available complimentary in premium cabins. On international flights, passengers in economy would receive complimentary wine and beer.If you're on a flight under 1 hour, you'll receive beverages on request, United stated.USA Today reported that alcohol won't be available in the regular economy, which will remain the case except on the select flights out of Denver.United also worked alongside the Cleveland Clinic to develop a "touchless" digital payment system that'll allow travelers to buy snacks and drinks through the airline's mobile app or website with the passengers' stored credit card information, USA Today reported. 2310

During a press gaggle at the White House on Monday, President Donald Trump said he's set a deadline of "around" Sept. 15 for TikTok's parent company to sell the rights to its U.S. business, and suggested that the sale include a payment to the U.S. Treasury.In his comments, Trump suggested that the short-form video app would be "out of business in the United States" if the company isn't sold by the deadline.He also said he suggested that any potential sale of the app should include a payment to the United States."A very substantial portion of that price is going to have to come into the Treasury of the United States because we're making it possible for this deal to happen," Trump said. "Right now, they don't have any rights unless we give it to them. So, if we're going to give them the rights, then it has to come into this county."It's a little bit like the landlord-tenant," Trump added. "Without a lease, the tenant has nothing. So, they pay what's called key money, or they pay something. But the United States should be reimbursed or should be paid a substantial amount of money."TikTok, a wildly popular social media app, is currently owned by ByteDance, a company based in Beijing. Some cybersecurity experts believe the app's terms of service could allow the Chinese government access to millions of Americans' personal data.On Sunday, Microsoft said it was in talks with ByteDance to acquire the U.S. rights to the business.Earlier this year, TikTok users took credit for reserving millions of tickets to a Trump rally in Tulsa, Oklahoma. Despite the millions of ticket requests, the event only drew an estimated 6,000 people, leaving the arena half empty. 1683