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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

Don't be too surprised if you see trick-or-treaters doing the "backpack boy" on your doorstep this Oct. 31.According to Google's annual Freightgeist report, costumes from the hit video game Fortnite will be the most popular this Halloween, both nationally and in San Diego.Fortnite registered as the most popular costume search in 43 out of 50 states.The only states Fortnite didn't lead in searches were Alaska (Mermaid), Arkansas (Dinosaur), Idaho (Unicorn), Oregon (Dinosaur), South Dakota (Spider-Man), and Utah (Unicorn).The pop culture phenomenon burst onto the scene when it was released last year.And Fortnite won't likely be the only video game costume out and about in San Diego. According to Google's analytics, video game costumes make up about 4 percent of local searches.Nationally, Spider-Man, unicorn, dinosaur, and witch rounded out the top five costume choices.Google's top 10 costume searches (in order): 971

EL CAJON, Calif. (KGTV) -- El Cajon police are investigating another case of someone egging a car in the Granite Hills neighborhood. Shelby Howell says her car was egged early Monday morning. "This is the worst that it's happened," Howell said. "It’s just way too much now and they think that it’s funny but people need to realize that it’s actually a lot of damage.”Neighbors say this is the latest case of vandalism in a long year of someone tormenting their neighborhood with eggings. RELATED: El Cajon residents tired of costly egg vandalismThe Howells believe they know who is behind the vandalism thanks to the latest surveillance video, and have filed a police report.   715

During a time where a large number of Florida residents are without power in the wake of Hurricane Irma, two Florida men were caught attempting to steal a ,500 utility pole.42-year-old Blake Lee Waller and 46-year-old Victor Walter Apeler were arrested on grand theft charges Wednesday after someone reported seeing them load the pole onto the top of their car, according to the Jacksonville sheriff’s office.A police report says that the two were spotted driving with the pole on top of their vehicle, they were then stopped by officials and arrested.The report says that one of the men told officials that he had to move the pole because it was on the ground so close to traffic lanes, according to the Associated Press.The sheriff's office tweeted a picture of the shirtless men sitting handcuffed on the sidewalk next to the car carrying the utility pole.  895

DUBAI, United Arab Emirates (AP) — Saudi Arabia’s state television says final verdicts have been issued in the case of slain Washington Post columnist and Saudi critic Jamal Khashoggi after his family announced pardons that spared five from execution.The Riyadh Criminal Court issued final verdicts Monday against eight people.The court ordered a maximum sentence of 20 years in prison for five, with one receiving a 10-year sentence and two others being ordered to serve seven years in prison.The trial was widely criticized by rights groups and an independent U.N. investigator, who noted that no senior officials nor anyone suspected of ordering the killing was found guilty.The independence of the court was also brought into question. 747