天津武清区龙济医院在武清什么位置(天津市龙济男科天津市龙济男科) (今日更新中)

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

EL CAJON, Calif. (KGTV) — The El Cajon officer who was seriously injured after being dragged by a vehicle has been released from the hospital.Officer Nick Cirello was struck by a vehicle on Dec. 14 in the 100 block of W. Washington Ave. at about 8:30 a.m., after officers responded to a call of a vehicle blocking the roadway with the driver and passenger asleep in the vehicle.When the officers awoke the two, the driver gave identification for someone else. The driver suddenly started the vehicle and started to put it in gear, when one of the officers, Cirello, attempted to stop him. Cirello was dragged for a distance by the vehicle while still partially inside and hit by another vehicle traveling past the incident, police said.RELATED: Suspect wanted after El Cajon officer dragged by car is from well-known Guam familyCirello was ejected from the vehicle and taken to a nearby trauma center was placed in intensive care. He is expected to make a full recovery following his release.Police have identified the suspected driver in the incident as 41-year-old David Francis Cepeda Pangilinan. He's described as a Guamanian man, 5' 6" tall, weighing 200 pounds, with brown hair and brown eyes.A journalist in Guam told 10News reporter Leah Pezzetti that Pangilinan is from a well-known family in Guam.“Mr. Pangilinan’s family is very well known, a very nice family that has built up businesses a lot over the years, has contributed a lot to the community so his name does stand out,” he said.A police officer in Guam said they would know if he tried to return to the island because everyone who arrives on the island must go into quarantine for six days due to the coronavirus pandemic.The passenger in the suspect vehicle was described as a Hispanic female in her late teens or early 20’s.Anyone with information about the case is asked to call the El Cajon Police Department at 619-579-3311 or Crime Stoppers at 888-580-8477. 1941

Dozens of people have been killed, and tens of thousands more evacuated, after "unprecedented" flash flooding in a tourist hotspot in southern India.At least 37 people have died since heavy monsoonal rains first struck the state of Kerala on Wednesday, the state's relief commissioner P.H. Kurian told CNN on Sunday.The area, located on the tropical Malabar Coast, is famed for its network of idyllic waterways. 419

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

Dr. Anthony Fauci has a warning for young adults who think they will bounce back from COVID-19.Speaking at an event with the American Society for Microbiology, Dr. Fauci pointed out that many young adults and kids who believe they had a “mild” case of the coronavirus take a significant amount of time to recover from all symptoms.“We’d better be careful when we say ‘Young people who don’t wind up in the hospital are fine, let them get infected, it’s OK.’ No, it’s not OK,” Dr. Fauci said during the briefing.He went on to say that those who don’t require hospitalization and are otherwise healthy can end up in bed for two or three weeks with COVID-19, and have residual symptoms for weeks or sometimes months longer.The country’s top infectious disease doctor said check-ups down the road with patients who supposedly recovered have shown many “have a substantially high proportion of cardiovascular abnormalities, evidence of myocarditis by MRI and PET scans, evidence of emerging cardiomyopathies.”He called these findings “really troublesome” because they are constantly evolving as the world learns more about COVID-19 and the long-term impacts on the human body. 1179

来源：资阳报