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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

An Uber driver says she was carjacked at gunpoint in North Las Vegas and ended in Kingman, Arizona. But she wasn't alone.Donnelda Schuele says an innocent passenger was also caught in the middle of the ordeal that crossed state lines."At one point I was thinking, my poor passenger is really gonna die," Schuele said.Schuele's Saturday Uber pool ride almost turned deadly. She said she picked up a passenger through Uber pool -- a service where drivers can pick-up more than one unrelated customer. She then got another 'ping' to pick up a new customer near 5th Street and Lake Mead Boulevard. A man and a woman got into the backseat at that stop. Not long after she started driving, Schuele says the man pulled out a gun."He goes, 'Go straight. I don't care who you hit. Go straight,'" Schuele said.Hopping on the freeway, they started to make their way down to Arizona."Before the Lake Mead exit, he shoots the gun in the car. He shot it through the floor of the car," Schuele said.She says the man also pistol-whipped the other male passenger sitting in the front seat of the car. "He had hit him on the head with the gun and cracked him really good at the back of his skull,"  Schuele said.The man with the gun kept on telling her to drive towards the mountains."He goes, that's where I'm going to be dumping you guys," Schuele said.She says the man shot the gun out the window several times, hitting a commercial truck."The other passenger is flipping out. I mean he is literally flipping out," Schuele said.As they were passing by Hoover Dam, Schuele says the suspect ordered her and the other passenger to get out of the car. That's when they were able to get help.Arizona troopers said the carjackers continued driving south on State Route 93, leading them on a pursuit. Even though they ran over strip spikes, the alleged carjackers did not stop until they crashed into another vehicle. The man and woman tried to run away but troopers were able to catch them at that point. It was the end of a nightmare for Schuele and her passenger."Thank god for my blessings and that I was able to keep a cool head," Schuele said.An Uber spokesperson says it is investigating the incident and will support police investigation in any way it can. 2355

As a massive caravan of migrants treks north, US officials have been negotiating with Mexico about how to handle the caravan should it reach the US border.Officials are weighing the legality of certain steps the Trump administration could take and looking at whether any processes could be changed to speed up the removal of migrants who have no legal basis to remain in the US, according to a senior Department of Homeland Security official.The official says the administration hasn't made any "firm decisions" about how to respond if the caravan reaches the border.Among the topics being discussed with Mexico is whether migrants from the caravan could be held there before entering an official port of entry, the DHS official said. The official said this is already being done to some extent, and described this as a more official process of what is known as "metering," when Customs and Border Protection officers keep immigrants in Mexico to limit the flow into the US. This process has been sharply criticized by advocates, who accuse officials of illegally trying to block immigrants from claiming asylum.A spokesperson for Customs and Border Protection referred all questions on the caravan to DHS.Additionally, the US is negotiating with Mexico about whether migrants from the caravan could be deported there, regardless of their country of origin. This process, known as "return to territory," which was included in President Donald Trump's January 2017 executive order on border security, isn't currently carried out by Immigration and Customs Enforcement, because Mexico would need to agree to take foreign nationals back."A lot of these (options) depend on cooperation and discussions with Mexico," the official said.There were 401 claims for asylum from the caravan that made its way to the US last spring, with 374 of those receiving "credible fear referrals," which is the initial screening to ensure a claim could have merit, according to Citizenship and Immigration Services data.ICE has been talking with contractors to discuss the possible need for additional detention capacity, according to the DHS official. ICE is also preparing for the possibility that it might need more officers at the border, the official said, stressing that while officials are preparing for various possibilities, they have not taken action.DHS has not responded to a request for comment on these policy considerations, but on Tuesday, DHS spokesperson Tyler Houlton tweeted that "stopping the caravan is not just about national security or preventing crime, it is also about national sovereignty and the rule of law. Those who seek to come to America must do so the right and legal way."On Tuesday, another senior administration official said the "administration wants the ability to return whole entire Central American families and also minors after apprehension."This official called the asylum system the "world's largest immigration loophole.""You simply come up to the border, you make a totally fraudulent assertion and it puts you into a legal system that takes more time to play out than we can detain you for, and so it becomes a ticket to catch and release," said the official on Tuesday. 3211

Amid a venomous political atmosphere, the two leading candidates for governor in Utah are making it a point to be civil in the final weeks before the election.Republican Spencer Cox and Democrat Chris Peterson stood side by side in a pair of public service announcements intended to tone down the political rhetoric. Cox, the state’s current lieutenant governor, is largely considered the frontrunner to win the race.“We can debate issues without degrading each other’s character,” Peterson said in the 30-second ad. A longer 60-second announcement was also filmed.“We can disagree without hating each other,” Cox added.“Win or lose, in Utah, we work together,” Peterson added.The two candidates concluded the advertisement with, “We approve this message.” 764

An open letter to @JoeBiden was published today as a full-color ad in the @WashingtonPost from Tamika Palmer - mother of Breonna Taylor. Here she not only calls on Biden to prosecute the officers who murdered Breonna, but to bring about the change & justice he promised her. pic.twitter.com/Ga71UkSvUI— Shaun King (@shaunking) December 15, 2020 362

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