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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

Do you ever wonder what impact putting your recyclables in the right bin can actually have? For one Colorado city, it’s been huge.At prAna, an activewear business located in Boulder, Colorado, Drew Romano’s biggest concerns are his customers and Mother Nature. Recycling is front and center.“Hey, we're not just throwing your stuff in the landfill; it's actually being recycled,” says Romano about the company.Most of prAna‘s shipping supplies are recyclable. As for the plastics bags that hard to recycle, prAna partnered with a company to make sure they don't end up in the landfill.“We wanted to make sure that we can strive to be as zero waste as possible,” says Ramano.It's part of the city’s Universal Zero Waste Ordinance, which requires businesses to recycle and compost.  Environmental manager Kara Mertz, who works for the City of Boulder, says in just one year, the effort is paying off. The city is now saving more than half of its trash from going to the landfill.Mertz says they used this video to show residents how to recycle. Then, they made it easy for residents to do it, by placing bins with clear and identical signage across the city.“I think making it easy and accessible to everyone is really the key,” says Mertz.Mertz says it's something we can all do, no matter where we live.“We do believe that over time people will get more and more used to it,” Mertz says. “It'll become second nature, and then all of that material, once it's sorted properly, can be put in the correct bins.” 1520

Do you want to enjoy your Thanksgiving meal without feeling uncomfortable? Stove Top Stuffing has the solution for you.Introducing the Thanksgiving Dinner Pants.Stove Top is selling pants made with an elastic waistband, featuring a photo of the company's stuffing.The special pants cost , and the proceeds are for a good cause. They are donating ,000 of the proceeds to the Feeding America Charity.  428

EL CAJON, Calif. (KGTV) - Renovations are underway at the East County Performing Arts Center to turn the nearly 50-year-old performance hall into a rock and roll concert venue."We have to change the vibe, the feel of what this building is," said Dirk Epperson, El Cajon's Director of Public Works.The venue closed in 2009 when the recession forced cuts in the city budget. Now, the renovations come as tour promoter Live Nation prepares to take over the venue. The City of El Cajon entered into a five year deal with the concert company to manage the building. As part of the agreement, Live Nation will bring 50 events to the venue in 2019, and as many as 70 events by 2023. Live Nation also manages the House of Blues in San Diego and Mattress Firm Amphitheater in Chula Vista."We're not sure what it will be like," said Mayor Bill Wells.  "We've never had this regular, steady diet of top name acts that are coming in. So nobody's quite sure how much this is going to have a ripple effect around El Cajon. But everybody thinks it will be positive."The city is now spending .3 million to upgrade the facility. Improvements include new amenities like modern concessions, a more open entrance, and lobby area and new plush seating in the first few rows. The seating capacity for the main hall will also increase to 1,300. Part of the plan also calls for a brand new VIP Lounge at the back of the venue. The money for the project comes from the sale of the old police headquarters.As for what kind of acts will fill the venue, Epperson said it's entirely up to Live Nation."It can pretty much be any type of act or band," he said, adding the city will let the experts decide. "But you can imagine the ones that are on their way up or on their way down will be coming to this size venue."Smaller, local performances like school concerts and recitals will still be held at the venue, which Wells says is part of the community. With the upgrades, he said it should stay that way for a long time."We're in it to win it," said Wells. "We'll be successful with this." 2120

Devante Lewis lives in East Baton Rouge. His view of the police who serve and protect his city is the result of decades of conflict between officers and people of color.“I know that any interaction I have could be the end of my life," he said.Not just in his hometown of Baton Rouge, but across the country.“As a Black man, police scare me. To the point where I don’t want to call them, because even if I call them for an incident I think I am justifiably right in, I’m afraid of what would happen to me," he explained. "If someone else alleges something because of the bias we have built-in and the stereotypes about Black people and particularly about Black men,” said Lewis.That’s something Baton Rouge Police Chief Murphy Paul is trying to change.“There are systems that we talk about that direct us in certain areas, that we need to have those courageous conversations on how could we police better," Chief Paul said.Chief Paul was hired in 2017 in the wake of the Alton Sterling killing. Sterling was selling CDs outside a gas station when a confrontation with two white Baton Rouge police officers led to his death. The incident sparked protests in the city and around the country.While he wants to make sure citizens feel safe when they interact with police officers, the chief has some hurdles to overcome, with one being the makeup of his department.Data from 2013 shows 55 percent of the people who live in Baton Rouge are Black, but Black officers only made up 29 percent of the police force.Researchers from the University of New Mexico found that when government and police diversity match its community, crime rates fall.Chief Paul says the number of Black officers has grown closer to 36 percent now, but the racial disparity is still an issue. One the chief says is much bigger than just skin color.“Our focus is on diversity, and not just diversity in race. We’re speaking on diversity in thought, diversity in religion, we want other minorities. So, we’re focusing on areas in recruiting in that way,” said Chief Paul“Systemic racism and white supremacy isn’t just a white cop with his knee on the neck of a black man," said Edward Goetz. Goetz studies race relations at the University of Minnesota.“It’s the system that creates that cop, it’s the system that tolerates that cop, and it’s the system that allows officers like him to escape punishment," Goetz explained.Almost 2,000 miles away from Baton Rouge, the effects of a mostly-white police force have taken an emotional toll on some of the people who live in Compton, California.“The sentiment was that the police were an occupying force,” said Dr. Keith Claybrook.Dr. Claybrook has lived in Compton his whole life. Now, he teaches African American studies at California State Long Beach.“When you can’t get basic needs met in the community, it’s not your community, When the businesses in the community are not owned by you, it’s not your community. When you do not control the schools in your community, it’s not your community,” said Dr. Claybrook.All these factors create feelings of distrust, and that distrust often gets aimed at the men and women paid to keep order in the community.Chief Paul says has implemented a number of policies to try and rebuild that relationship, including a six-month body camera review of officers if there is a complaint of misconduct, a community board to advise the department, and retraining police academy teachers to include implicit bias training.“So, it’s part of that evolving and listening to the community, listening to their concerns on how we police specifically in communities of color, how we’ve done that over the years, eliciting concerns on how we can be better,” said Chief Paul.But it’s not clear to people like Lewis and Dr. Claybrook if changes like this are enough.“Things have gotten better, then why are we having the same conversations with our children that our parents had with us that they’re parents had with them? But things are getting better?” asked Dr. Claybrook.“It doesn’t matter whether or not you are Alton Sterling at a gas station, whether or not you are Eric Garner outside of a convenience store or you’re Philando Castille, a school employee being responsible and respectable. In that sense, they all lost their lives,” said Lewis.They wonder how long will communities like Baton Rouge, Compton, and others have to wait before they feel safe under the watch of police. 4432

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