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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
And the title of the next Avengers film is...Endgame.Marvel Studios released the first trailer for the fourth — and possibly final — Avengers film on Friday, confirming suspicions that the movie would be called "End Game."The trailer offers few hints to the fate of a number of superheroes following the ending of Avengers: Infinity War, but offers a glimpse of heroes Black Widow, Captain America, Hawkeye, Nebula, Iron Man and the Incredible Hulk.The end of the trailer introduces Hank Pym, aka Ant-Man into the new film's storyline, after he was absent from Infinity War.The message tweeted alongside the video? "Part of the journey is the end." — a line uttered by Stark during the trailer.The trailer does not give a release date for the film, but it confirmed the movie would be released in April.There is at least one more Marvel movie set to release ahead of Avengers, which could offer more insight into the new Avenger's plot — Captain Marvel, which will hit theaters on March 8.Watch the full trailer in the player below. Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1149

ANAHEIM (CNS) - Thousands of Disneyland enthusiasts lined up early Friday to experience the theme park's newest Star Wars Land ride.Bobby Navarro of Garden Grove said he got up at 4 a.m. with his friends and got into the park by 5:30 a.m.Navarro experienced Star Wars: Rise of the Resistance when it debuted at Disney World on Dec. 5, so he had some practice in using the company's application to sign up for a pass to the attraction. Navarro said it was key to get everyone in the group connected on the app and requesting a pass simultaneously, but that also meant he had to de-select others who were not at the park with his group.RIDE REVIEW & VIDEO: 'Rise of the Resistance' fulfills missing 'Star Wars' feel at Galaxy's Edge"The queue for the digital app started at 6 o'clock... and we still had to wait hours before the app opened," Navarro said. "And then, it was whoever is able to push the button fastest."Navarro and his group were assigned to boarding group 84, and he was advised the park may only be able to handle 82 boarding groups on Friday, but he was hopeful his group will get a chance to see the Anaheim version of the ride."The first day in Florida, they got up to boarding group 125," Navarro said."We're close to group 50 now," he said about 1 p.m.Navarro said even the wait in line for the ride in Florida helped guests feel immersed in the experience. The attraction included a hologram explaining the "context and storyline," he said.RELATED: California Adventure's 'Avengers Campus' set for summer 2020 openingCast members help guide guests through the line until the fun begins with an abduction and imprisonment by stormtroopers, he said.One of the more impressive attractions is a glass panel that makes participants feel as if they are looking into outer space, he said.As the "prisoners" are being told they will be "eliminated," resistance fighters break through with lightsabers to help lead an escape, Navarro said."They tell you, `Hurry up, get out,"' Navarro said.RELATED: Disneyland tickets are on sale for as low as right nowThe guests make their escape on a pod, he said."The mag-lev system is what really makes the ride," he said of the battleship in the attraction. "This really feels like a battleship.""They really did a great job of transporting you to a different place," he said.The ride takes about 20 minutes, he said.Anaheim police Sgt. Shane Carringer said the city has not experienced any issues with traffic in the area despite also hosting the National Association of Music Merchants convention."I haven't heard of any problems," he said. "These large events, although extraordinary for Anaheim, are definitely not out of our comfort zone to handle these pretty regularly. And Disney has ingress and egress down to a science."Carringer said he got to experience the new attraction last night."It was cool," he said. "My wife enjoyed it too." 2912
Another reason to wash those hands, Thursday is Global Handwashing Day.October 15 has been designated as a day to remember that “soap and water is one of the best steps we can take to avoid getting sick and spreading germs to others,” according to the Centers for Disease Control and Prevention.Global Handwashing Day was established in 2008 by the Global Handwashing Partnership, an international organization dedicated to awareness about the health and economic benefits of handwashing hygiene and making clean water and soap available to all.This year’s Global Handwashing Day is also a reminder that proper handwashing with soap is a recognized way to stop the spread of the coronavirus.This year’s theme is “hand hygiene for all” and “calls for institutions and individuals to improve hand hygiene efforts in the COVID-19 response that can outlast the pandemic and ensure continued access to clean water and soap,” the CDC says.The CDC estimates that the number of colds and respiratory illnesses in a community could be reduced between 16-21 percent with handwashing education.The CDC has some recommendations for proper handwashing:There are 5 easy steps to washing hands: wet, lather, scrub, rinse and dry.Wash for 20 seconds with soap and water.Make it part of the routine:Before you eatAfter using the restroomComing inside from spending time outside or in publicAdults can be a good role model and wash hands often.With younger children, make it a family activity and wash hands together.Choose a song or music verse to sing while washing. Need ideas? Try this, this or this (including hits from Prince, Lizzo, Toto and Beyonce). Yes, even older kids can sing while washing their hands. 1705
As Congress mulls over the possibility of another stimulus package, and the idea of including a second wave of stimulus checks in it, the House Ways and Means Committee estimates 30 to 35 million Americans are still waiting on their stimulus money from the CARES Act.“Let’s make sure that we don’t lose focus on the people who didn’t get a payment from the first branch,” said Bob Probasco.Probasco is a CPA and the director of the Low Income Tax Clinic at Texas A&M University. He has followed activity with stimulus checks since they started going out in April, in particular, all of the issues the IRS has had in getting the money into taxpayers’ hands.“There are just a number of different problems,” said Probasco. "People had old bank account information on their tax returns, and then, they changed their bank account, but the IRS doesn’t have the new one. The payment went to the bank, it will have to be returned and then a paper check will go out.”The IRS attempted to speed payments up in May by sending out prepaid debit cards to 4 million people, but the debit cards were not as helpful as anticipated and resulted in the IRS continuing to distribute paper checks for the remaining payments.“There were big problems with that,” Probasco explained. “We saw tax representatives, CPAs, lawyers, who people came to and said, ‘I got this’ and they weren’t sure that was legitimate.”The debit cards were sent in barely-marked envelopes that caused so many to think they were fake. So, the IRS had to issue a press release, reminding people that the “plain envelope from Money Network Cardholder Services” is not junk mail.In addition, the IRS had to issue guidance for those who destroyed or threw out their debit cards, asking them to call 1-800-240-8100. Anyone else who hasn’t received a debit card or stimulus check payment can go to the IRS’s Check My Payment feature on its website.“If you see on there that a payment was sent out, but you didn’t get the payment, there is a different number that you can call which is 1-800-919-9835,” Probasco said.The good news is the IRS expects to get all the stimulus payments out ahead of the initial September timeline, and a proposed second round of stimulus checks could go smoother.“There will be some improvements because the IRS has learned some lessons,” said Probasco. 2341
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