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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

EAST FREEHOLD, N.J. — A 3.1 magnitude earthquake was detected Wednesday morning in the Central New Jersey town of Freehold, according to the United States Geological Survey.The USGS detected the quake around 2 a.m. while the National Weather Service referred to the quake as a "small tremor" despite that it was felt in much of Central Jersey.The depth of the quake was reported as about 3.1 miles. There are no reports yet of any damage or injuries due to the earthquake.Hundreds of reports were coming in from as far as Philadelphia and Long Island, New York on the USGS' "Did You Feel It?" map.Monmouth County Sheriff Shaun Golden said that about 125 non-emergency and 911 calls came in from residents who reported feeling and hearing the quake.Twitter user @BWf34, in Freehold, said it "felt like an explosion, then shaking. No obvious damage to house. Woke up the entire family."Twitter user @arorasa, in East Windsor, said the "whole house shook. It's been an hour now, but still feeling rattled."Geophysicist Robert Sanders from the USGS said that a 3.1 quake is unlikely to have caused anything more than damaged shelves or falling picture frames.He said there had been just two other quakes over 3.0 magnitude in the area since 1970.The last recorded earthquake in New Jersey before Wednesday was a 1.7 magnitude quake on Aug. 17 in Milford, New Jersey, according to the Northeast States Emergency Consortium.The strongest quake with an epicenter in New Jersey was a magnitude 4.8 earthquake back on Aug. 23, 1938, near Trenton.This story was originally published by Stephen M. Lepore and Katie Corrado on WPIX in New York. 1640

EL CAJON, Calif. (KGTV) - As the Valley Fire nears containment and evacuees can return home, many are faced with handling the damage and rebuilding, so San Diego County is stepping in to provide resources. Representatives from state and local agencies, county works, insurance, the DMV, and more are all present at the resource event, ready to help with the next steps.“Usually it’s, 'where do I start?' So we put them on a path to recovery,” said Donna Durckel, Group Communications Officer for the Land Use and Environmental Group for the County of San Diego. “They’re here to help people with anything from finding food assistance, financial assistance, maybe they need help clearing a burned car off their property."RELATED: Valley Fire chars 17,665 acres, 69% contained, evacuation orders liftedThat’s exactly what Eileen Menzies needs. She lost her mobile home and multiple animals in the Valley Fire.“It’s just overwhelming. I walked the property yesterday completely and there’s nothing that’s going to be salvaged,” said Menzies.Menzies said she has a long list of tasks that need to be done, like figuring out if she can bring in a new mobile home, getting water while her well is down, and getting new paperwork, like her husband’s death certificate. Many of those steps were started at the resource event.RELATED: Valley Fire claims Jamul woman's home, beloved animals“So far it’s very good, there’s hope that I can bring another mobile home onto the property so we’ll wait and see,” said Menzies.The resource event started on Saturday and will continue on Sunday from 10 a.m. to 6 p.m. and Monday from 11 a.m. to 7 p.m. at the Rancho San Diego Library in El Cajon at 11555 Via Rancho San Diego.There's also a hotline that victims can call if they have questions at 858-715-2200. 1800

EL CAJON, Calif. (KGTV) — San Diego Sheriff's bomb/arson detectives were called to investigate a house fire that broke out Wednesday afternoon.Firefighters and deputies were called to the 1600 block of Via Elisa just before 3 p.m. Wednesday after the fire broke out at the home.Strong winds threatened nearby structures, forcing deputies to evacuate the homes, the SDSO said.Based on the initial investigation, Sheriff's bomb/arson detectives were called to the scene.The cause of the fire has not been determined, but the investigation was ongoing late Wednesday. 572

Early voting continues to be explosive, as an energized American electorate weighs in on its government.As of early Tuesday morning, at least 33 million people have voted early nationwide, according to data collected by Catalist, a data company that works with Democrats and others, to compile counts of ballots cast before Election Day, either early in-person or by mail.That's far more than the 22 million early votes cast in the entire 2014 election.PHOTOS: Voter turnout around the nationThe data suggests an electorate deeply engaged in voters' first real opportunity to offer a verdict on the presidency of Donald Trump, who has actively tried to turn the election into a referendum on himself.Encouraging signs for Democrats include a clear surge in young and first-time voters in the early voting data and a larger percentage of women voters, who have appeared supportive of Democrats in recent national polls.Also, in states where party identification is available, Democrats are a larger portion of the early voting electorate than they were in 2014. 1068