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EL CAJON, Calif. (KGTV) -- Neighbors say two elderly residents of the Lincoln Palms Apartment in El Cajon were taken to the hospital Wednesday, after an explosion on Lincoln Avenue. New resident Jorge Limon told 10News Reporter Rina Nakano he and his grilfriend Samantha were unpacking when they noticed an odd smell. Later, they heard what sounded like two explosions. "We thought somebody threw a table out of the window or something. But then we saw the smoke and fire," Limon said, adding that he immediately grabbed his fire extinguisher to help.  The explosion happened on the first floor of the building around 8 p.m., just below Limon's new apartment.Fire crews arrived four minutes after the 911 call, but were surprised to see that the flames were already out when they arrived. With his extinguisher, Limon was able to put out the flames. The explosion shattered the windows of the downstairs unit, leaving the curtains and glass all around the pool. Inside Limon found the two elderly residents, who he said both suffered injuries. "They both went ot the burn center, which means they had enough burns to where it was a concern," said Heartland Fire and Rescue Battalion Chief Bent Koch. San Diego Gas & Electric, El Cajon Police and several other agencies are investigating what caused the explosion. Limon told 10News his fire extinguisher was no accident. "I made a big deal to bring it," he said. "I'm glad I did, because if it weren't for this bad boy, God knows what would have happened."10News Reporter Rina Nakano shot a Facebook live explaining the scene. You can watch below:  1705

EL CAJON, Calif. (KGTV) -- The family and friends of the 31-year-old man accused of gunning down his wife and their kids in Paradise Hills over the weekend spoke Monday about the tragedy. Police say Jose Valdivia killed his wife, Sabrina Rosario, and their three children, 3-year-old Enzi, 5-year-old Zuriel, and 11-year-old Zeth. Valdivia also shot his 9-year-old son who survived but is in the hospital on life support. Family and friends say they do not agree with what Valdivia did, adding that they are also grieving the loss of their loved one, his wife, and their children. RELATED: Document details chilling text messages sent to woman killed in Paradise Hills murder-suicideValdivia's brother and two close friends asked to speak but not show their faces, only agreeing to record their voices during the interview. "We do not agree with what he did but as family and friends, we love him," said close friend Gavino Pinal.His friends called him a loving father and a hard-worker. RELATED: Parents, 3 children killed in Paradise Hills murder-suicide"He was a loving dad, he easily could have won father of the year, a couple years honestly, in my opinion," added Pinal. The family had candles and flowers set up in the home, surrounding pictures of Sabrina, her children and their father.Valdivia's brother, Raul Perez, says the family knew the couple was separated and that he would have intervened had he known the severity of the situation. Perez did not know Valdivia had a weapon. RELATED: Family of Paradise Hills murder-suicide victims speaks about tragedy"For him to do that, it hurt us deep down -- hurt everybody. Not only did I lose my brother, my nephews, but I also lost a sister," said Perez. Rosario's family has set up a GoFundMe page for medical and funeral expenses. If you'd like to donate, click here. 1840

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EL CAJON (KGTV) - An El Cajon family says a drive to see a fireworks show turned into a racially motivated nightmare, ending in a mob of people ripping off their car door.On July 4th, just before 9 p.m., William Gavin, his fiancee Alana Christman and their two children - a 6-year-old girl and a two-year-old boy - were driving on Lima Court, looking for Kennedy park and the fireworks show."Looking down at my GPS, when I hear, 'You can't come into our neighborhood,'" said Christman.Christman, who was in the front passenger seat, looked up."Caught someone at the corner of my eye. Saw this flame on my chest and it started throwing embers," said Christman.A cigarette had flown in through an open window. Gavin, who is African American, says he stopped the car, got out and saw the man who tossed the cigarette: a white man in his 50s. Gavin asked him a question."'Why would you do that?' Then he's coming at me ... He takes a swing at me, and I throw him down. Got into my car because my children are screaming," said Gavin.Christman says what happened next was surreal and scary."Completely freaked out. A lot of adrenaline and just upset for my kids," said Christman.She says 5 to 6 white men, many holding beer bottles, started yelling and attacking the vehicle."Reaching into my car and they were hitting him. There's a hinge on my door that's ripped off. The door was ripped off," said Christman.Gavin believes the attack was racially motivated."I know when something's racial, I know when someone is aiming at me. I moved away from Mississippi to get away from this nonsense," said Gavin.Eventually, Gavin drove off, parked around the corner and quickly called police. He says a Hispanic family approached, claiming the men just targeted them."They were throwing water bottles at their car saying they can't be in their neighborhood," said Gavin.The couple says police told them the man who threw the cigarette would be cited for misdemeanor assault."I want justice to start happening, I want things to start happening the right away," said Gavin.The couple says they're frustrated at police for not interviewing the Hispanic family or the angry group of neighbors.A police spokesperson says the man accused of tossing the cigarette is a suspect involving a misdemeanor charge of throwing an object at a vehicle. Police say many witnesses had left a chaotic scene and the investigation is ongoing. They tell 10News there were complaints of the couple speeding, and a hit-and-run involving a pedestrian suffering minor injuries, an allegation the couple denies. 2578

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

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