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Seven Tax Tips for the Black Community

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By Stacy M. Brown (NNPA Newswire Contributor)

Tax season has officially begun and it’s time to find those deductibles and items that might help offset some of what you might have to pay the government by April 15.

For African-Americans, filing income taxes has never been simple – nor has it historically been anything to look forward to.

“One thing that’s certain at the top of each year is tax season. Yes, that one thing that most of us dread yet we know we have a short window of time to complete what should be done as the new year begins,” said Cozette M. White, an acclaimed author, financial analyst and tax strategist. White is also founder and CEO of My Financial Home Enterprises, a financial management firm that helps organizations and entrepreneurs develop solutions that fuel business growth and transform products into accelerating profits.

White said it’s important to decide early on who will be preparing your returns. “Tax preparers are the least trained, but the cheapest to hire,” she said, noting that enrolled agents are typically more competent than tax preparers but much less so than a certified public accountant.

Further, White said it’s important to be organized – set aside a manila folder for all tax documents. “Schedule your appointment early, especially if you have a child applying for financial aid and, if you have not updated your payroll department with your new address, do so today to avoid delays,” she said.

The new tax year accompanies an interesting set of new facts for African-Americans, according to The White House.

For instance, the unemployment rate for African-Americans has seen a larger percentage-point decline in the recovery, much faster than the overall unemployment rate over the last year, President Barack Obama’s administration reported.

The real median income of Black households increased by 4.1 percent between 2014 and 2015 and President Obama enacted permanent expansions of the Earned Income Tax Credit and Child Tax Credit, which together now provides about 2 million African-American working families with an average tax cut of about $1,000 each.

A recent report from the Census Bureau revealed that the real median household income grew 5.2 percent from 2014 to 2015, the fastest annual growth on record.

Income grew for households across the income distribution, with the fastest growth among lower- and middle-income households. The number of people in poverty fell by 3.5 million, leading the poverty rate to fall from 14.8 percent to 13.5 percent, the largest one-year drop since 1968, with even larger improvements including for African-Americans, Latino-Americans, and children.

The poverty rate for African-Americans fell faster in 2015 than in any year since 1999. While the poverty rate fell across all racial and ethnic groups, according to a Census Bureau study released last year, it fell 2.1 percentage points for African-Americans, resulting in 700,000 fewer African-Americans in poverty.

African-American children also made large gains in 2015, with the poverty rate falling 4.2 percentage points and 400,000 fewer children in poverty.

So, for tax time, it means more African-Americans need to better understand what they should and shouldn’t do; what deductions and credits might be available, White said.

The veteran tax expert urges contributions to 2016 Roth accounts and, if donations have been made to charities in any amount above $250, be sure and have the proof to support the write-off.

The Internal Revenue Service (IRS) says that charitable contributions are deductible in the year made and donations charged to a credit card before the end of 2016 count for the 2016 tax year, even if the bill isn’t paid until 2017.

Also, checks to a charity count for 2016 if they are mailed by the last day of the year.

Taxpayers who are over age 70 ½ are generally required to receive payments from their individual retirement accounts and workplace retirement plans by the end of 2016, though a special rule allows those who reached 70 ½ in 2016 to wait until April 1, 2017 to receive them.

So, what else can be done to limit tax liabilities for individuals and businesses?

“Defer bonuses,” said Lisa Greene-Lewis, a certified public accountant and Turbo Tax expert. “If your hard work paid off this year and you are expecting a year-end bonus, this extra money in your pocket may bump you up to another tax bracket and increase your tax liability,” she said.

Folasade Ayegbusi, a certified public accountant (CPA) and owner of Suncrest Financial Services in Maryland, advises business owners to call their payroll processing company and have them process a one-time annual salary amount to satisfy any S-Corp reasonable compensation requirement.

Also, she said, purchasing depreciable assets like a car, furniture, iPad, computer and other items needed for a business would help offset any tax burden.

Randy Hughes, founder of Counting Pennies, a nationwide tax and accounting firm that specializes in tax preparation, bookkeeping and debt management, said African-Americans need to immediately think about taxes and not wait until the April 15 deadline.

Hughes recommends making wise business purchases, maximizing health savings accounts and managing tax withholdings and exceptions.

“Employees that changed jobs or started a new job should review their tax withholdings and exemptions claimed on their new hire paperwork,” he said. “Claiming too few exemptions could result in giving the government more money than necessary, which could result in a cash flow problem for you during the year.”

Perhaps as important as any suggestions, the IRS said it continues to see an uptick in tax scams – one of the most recent involved a caller telling a taxpayer that he or she is entitled to a large refund, but first must hand over a certain amount of money first.

“Taxpayers across the nation face a deluge of these aggressive phone scams,” IRS Commissioner John Koskinen said in a statement. “Don’t be fooled by callers pretending to be from the IRS in an attempt to steal your money. We continue to say, ‘if you are surprised to be hearing from us, then you’re not hearing from us.’”

Freddie Allen is the Editor-In-Chief of the NNPA Newswire and BlackPressUSA.com. Focused on Black people stuff, positively. You should follow Freddie on Twitter and Instagram @freddieallenjr.

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Historians Celebrate the Black Press ahead of NNPA Annual Convention

NNPA NEWSWIRE — “The Black Press has been able to survive – and thrive – at least since 1827 because of its remarkable ability to speak to the immediate needs and interests of the constituency that it represents: African Americans,” stated Gerald Horne, an American historian who currently holds the John J. and Rebecca Moores Chair of History and African American Studies at the University of Houston, and who authored the book, “The Rise and Fall of the Associated Negro Press: Claude Barnett’s Pan-African News and the Jim Crow Paradox.”

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Registration for the 2021 convention is free, and those interested can sign up at www.virtualnnpa2021.com.
Registration for the 2021 convention is free, and those interested can sign up at www.virtualnnpa2021.com.

This is the first in a series about the Black Press of America.

By Stacy M. Brown, NNPA Newswire Senior National Correspondent
@StacyBrownMedia

Dr. D’Weston Haywood did not hesitate when asked about the value of today’s Black Press of America.

The historian of 20th century American history with research and teaching interests in Black protest and protest thought, Black masculinity, Black power, and intersections of Black culture, Black politics, and Black public spheres, Dr. Haywood is himself a trusted voice.

He said the 194th anniversary of the Black Press of America and this year’s National Newspaper Publishers Association (NNPA) summer convention theme – Black Press Matters: Trusted Voice, Resilient Vitality, and Transformative Vision – is fitting.

“The Black Press has remained a resilient, trusted voice, heralding a transformative vision for nearly two centuries precisely because, since its inception, it has remained invested in truth-telling, expanding democracy, and exposing and critiquing the limits of both unapologetically,” remarked Dr. Haywood, who authored the 2018 book, “Let Us Make Men: The Twentieth-Century Black Press and a Manly Vision for Racial Advancement.”

The NNPA, the 81-year-old trade association representing the 230 African American-owned newspapers and media companies that comprise the Black Press of America, will host its annual convention from June 23 to June 26.

While the conventions regularly occur in cities throughout the country, the pandemic has forced the NNPA to hold the event virtually for the second consecutive year.

This year’s theme highlights how significant the Black Press remains, its vitality in the many communities it serves, and the transformative vision that has helped keep the millions of subscribers informed.

“The Black Press has been able to survive – and thrive – at least since 1827 because of its remarkable ability to speak to the immediate needs and interests of the constituency that it represents: African Americans,” stated Gerald Horne, an American historian who currently holds the John J. and Rebecca Moores Chair of History and African American Studies at the University of Houston, and who authored the book, “The Rise and Fall of the Associated Negro Press: Claude Barnett’s Pan-African News and the Jim Crow Paradox.”

From Samuel E. Cornish and John B. Russwurm’s Freedom’s Journal to Frederick Douglass’ North Star to John Abbott’s Chicago Defender, African American-owned newspapers have sparked fires for truth and equality that have burned with the passion of fighting for freedom throughout history.

March 16, 2021, marked the 194th anniversary of the Black Press of America, whose global impact remains undeniable.

It all began with Freedom’s Journal, the first African American newspaper which in 1827, announced its presence with a front page that contained these words:

“We wish to plead our own cause. Too long have others spoken for us.”

The 4-page edition included stories about the struggle to end the horrors of slavery, lynching, and social injustice.

It also informed the African American community of international news of particular interest like Haiti and Sierra Leone events.

The newspaper featured biographies of African American men and women, schools, jobs, and housing opportunities.

Those who have made contributions to the Black Press include Douglass, WEB DuBois, Ida B. Wells, Patrice Lumumba, Kwame Nkrumah, and former NNPA Chairman Dr. Carlton Goodlett.

“Over the course of its storied history, The Black Press of America has stared down government suppression, defied mob violence, and resisted many a Post-Truth era before it ever had a name, all to report, cover, and construct stories that might move the public, institutions, and historical zeitgeist to forge America into what it should be,” Dr. Haywood concluded.

Registration for the 2021 convention is free, and those interested can sign up at www.virtualnnpa2021.com.

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Wells Fargo Expands Commitment to Black-Owned Banks

NNPA NEWSWIRE — “Wells Fargo is really committed to helping foster a more inclusive world, quite frankly, and we want to make sure that we are reaching into the economically disadvantaged communities as well as serving all of our customers and constituents across the footprint of the enterprise,” Georgette “Gigi” Dixon, head of External Relations for Wells Fargo, told NNPA Newswire.

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By Stacy M. Brown, NNPA Newswire Senior National Correspondent
@StacyBrownMedia

Wells Fargo & Company announced equity investments in five African American Minority Depository Institutions, or MDIs, as part of a 2020 pledge to invest up to $50 million in Black-owned banks.

The banking giant said it is also offering access to a dedicated relationship team that can work with each MDI on financial, technological, and product development strategies to help each institution strengthen and grow.

“Wells Fargo is really committed to helping foster a more inclusive world, quite frankly, and we want to make sure that we are reaching into the economically disadvantaged communities as well as serving all of our customers and constituents across the footprint of the enterprise,” Georgette “Gigi” Dixon, head of External Relations for Wells Fargo, told NNPA Newswire.

“This past year has been a terrible year for all of us, and it makes it extra-special that we can provide this investment at this time,” Dixon, the 27-year banking veteran, stated.

“I’ve never seen this type of approach to ensuring the legacy like MDIs and, more specifically, Black-owned banks to be preserved and promoted nationally the way Wells Fargo is taking with this position,” she continued.

Dixon added that Wells Fargo began working on the initiative one year before the pandemic and before the police killing of George Floyd in Minneapolis.

“We started meeting with each one of the MDIs, and we partnered with the National Banking Association,” Dixon revealed.

“We had these meetings with the banks and said, ‘let’s walk through your strategic plan and the things you need to stabilize and or grow the institution so that you are better able to serve your constituents.’ When all these banks are thriving and, in a position, to grow, that helps everybody.”

With that, Wells Fargo decided to provide what Dixon called an injection of equity that gave the MDIs opportunities to maintain their positions as majority owners.

Wells Fargo then created a relationship management team that focused on understanding what the MDIs needed.

Throughout the process, Wells Fargo remained engaged by providing resources from various factions of the banking organization.

“We reached across all our lines of business and said, ‘we have these great MDIs who are sustaining, stabilizing, growing, and expanding, and we want to make ourselves available through subject matter expertise,’” Dixon recalled. “I’m so excited about this.”

Wells Fargo’s latest announcement includes investments in Carver State Bank in Savannah, Georgia; Citizens Trust Bank in Atlanta; First Independence Bank in Detroit; Liberty Bank in New Orleans; and Unity National Bank in Houston.

The investments follow Wells Fargo’s Feb. 8 announcement regarding its investments in six African American MDIs and take its total investment to 11 MDIs overall.

Additionally, Wells Fargo plans to make its nationwide ATM network available for customers of the 11 MDIs to use without incurring fees.

The company announced that its financial commitments are in the form of critical equity capital, which is foundational to the MDIs’ ability to expand lending and deposit-taking capacity in their communities.

“The thing that impressed us the most is that these are solid institutions,” Dixon voiced.

“They all unequivocally, across-the-board, have a huge mission to provide financial help to their community and customers. These communities are disproportionately not in the banking system and are not necessarily taking full advantage of the wide range of financial products and services available.

“These MDIs are trusted, and that’s important for all to realize that, when you have trust and credibility, you are going to be able to reach communities that others cannot. Their mission is focused, and it’s all about the financial health in the community and about expanding access to financial products and services.”

Click here for the full announcement from Wells Fargo.

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U.S. Supreme Court Sounds Ready to Pay Student Athletes

NNPA NEWSWIRE — The business of college sports, which includes millions in television contracts and sponsorships, resulting in a world of lucrative payouts for everyone other than the players, may have met its match at the U.S. Supreme Court.

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The argument over whether “student athletes” should be paid has gone on for decades with the NCAA arguing that pay would mean the end of the “student” athlete. (Photo: iStockphoto / NNPA)
The argument over whether “student athletes” should be paid has gone on for decades with the NCAA arguing that pay would mean the end of the “student” athlete. (Photo: iStockphoto / NNPA)

By Lauren Victoria Burke, NNPA Newswire Contributor
@LVBurke

U.S. Supreme Court Associate Justice Brett Kavanaugh called the NCAA’s practices “disturbing.”

“The antitrust laws should not be a cover for exploitation of the student-athletes. To pay no salaries to the workers who are making the schools billions of dollars on the theory that consumers want the schools to pay their workers nothing,” he said, seems “entirely circular and even somewhat disturbing,” Kavanaugh said.

On March 30 the U.S. Supreme Court heard the case of NCAA v. Alston, which is a class action case, first filed in 2014. The NCAA is an organization with over 1,000 member colleges and universities. As millions are made from the talent ion college athletes and colleges pay millions in salaries to coaches, college athletes remain unpaid. Under the NCAA’s rules, paid athletes become ineligible to play sports.

The main plaintiff in the case is Shawne Alston, a former West Virginia University running back, who says he and other athletes were exploited.

The business of college sports, which includes millions in television contracts and sponsorships, resulting in a world of lucrative payouts for everyone other than the players, may have met its match at the U.S. Supreme Court. Several court members sounded skeptical of the NCAA’s arguments that the current set up is fair. A federal district court in California gave athletes a victory. It ruled that the NCAA could not limit income to athletes.

“It just strikes me as odd that the coaches’ salaries have ballooned,” said Associate Justice Clarence Thomas. “They’re in the amateur ranks, as are the players,” Thomas added.

“Why does the NCAA get to define what ‘pay’ is?” asked Justice Amy Coney Barrett.

“Antitrust laws should not be a cover for exploitation of the student-athletes, so that is a concern, an overarching concern here,” added Associated Justice Kavanaugh.

Judge Sam Alito went even further. Alito said athletes, “face training requirements that leave little time or energy for study, constant pressure to put sports above study, pressure to drop out of hard majors and hard classes, really shockingly low graduation rates. Only a tiny percentage ever go on to make any money in professional sports.”

“So, the argument is they are recruited, they’re used up, and then they’re cast aside without even a college degree. How can this be defended in the name of amateurism?” Alito added.

If the questions and comments from members of the Court were a guide change could be coming soon. The argument over whether “student athletes” should be paid has gone on for decades with the NCAA arguing that pay would mean the end of the “student” athlete.

But with the level of revenue that colleges and universities make from athlete performance it is becoming increasingly difficult to argue that arrangement is nothing more than big business that benefits from revenue from a never-ending unpaid workforce.

Lauren Victoria Burke is an independent journalist for NNPA and the host of the podcast BURKEFILE. She is also a political strategist as Principal of Win Digital Media LLC. She may be contacted at LBurke007@gmail.com and on twitter at @LVBurke

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OP-ED: Communities of Color and Other Buyers, Beware of Bold Promises from Health Insurers

A recent report by the Kaiser Family Foundation found that “older Black, Hispanic, and American Indian/Alaska Native adults were nearly twice as likely to die of COVID-19 as older White adults,” and “cases among Black and Hispanic Medicare beneficiaries were 1.6 times higher than the rate observed among White beneficiaries.”

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African Americans clearly need better health insurance. But we can’t get lured in by companies that are more interested in taking money than providing real healthcare benefits.

By Dr. Benjamin F. Chavis, Jr., President and CEO, National Newspaper Publishers Association

The COVID-19 pandemic has brought issues of healthcare equity to the forefront of discussions of racial justice. Even when controlling for factors like age and income, communities of color have been much more severely impacted that white Americans.

A recent report by the Kaiser Family Foundation found that “older Black, Hispanic, and American Indian/Alaska Native adults were nearly twice as likely to die of COVID-19 as older White adults,” and “cases among Black and Hispanic Medicare beneficiaries were 1.6 times higher than the rate observed among White beneficiaries.”

Access to healthcare and health insurance is a vital issue for African Americans. And it’s important to be on the lookout for healthcare companies that make big promises but fail to deliver.

In this context, let’s take a look at Oscar Health, an insurance company that tries to appeal to consumers by positioning itself as a tech company. But its track record is questionable at best.

The company has been investigated and fined by the NY State Department of Financial Services. During its expansion in New York, Oscar cut the number of doctors in its network by more than half.

The company also has connections to former Trump Administration officials. It was founded by Jared Kushner’s brother Josh, and its parent company, Thrive Capital, was partly owned by Kushner until he took a job at the White House. And the company is run by serial Wall Street investors who seem primarily interested in flipping companies for a profit.

Even more concerning, Oscar has been expanding into the Medicare Advantage program, where they can leverage taxpayer money to provide health coverage to our seniors. That means one of our most vulnerable communities could be opting into a company that has questions hanging over it.

African Americans clearly need better health insurance. But we can’t get lured in by companies that are more interested in taking money than providing real healthcare benefits.

So, before you make a decision about health insurance, please get more than one opinion or option.  There are healthcare insurance companies that are considerably more equitable and beneficial. Healthcare for all is both a fundamental civil and human right.

Dr. Benjamin F. Chavis, Jr. is President and CEO of the National Newspaper Publishers Association (NNPA) and Executive Producer and Host of The Chavis Chronicles (TCC) broadcast weekly on PBS TV stations throughout the United States. 

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Florida GOP Lawmakers Vote to Strip Newspapers of Legal Advertising Revenue

NNPA NEWSWIRE — House Bill 35 repeals part of the law that requires placement in newspapers announcements about tax increases, special elections, and other public notices. Estimates suggest that such notices provide the state’s 100-plus newspapers with millions of dollars in annual revenue. The Republican-sponsored measure passed this week by an 85-34 vote.

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The Republican-sponsored measure passed this week by an 85-34 vote. (Photo: iStockphoto / NNPA)
The Republican-sponsored measure passed this week by an 85-34 vote. (Photo: iStockphoto / NNPA)

By Stacy M. Brown, NNPA Newswire Senior National Correspondent
@StacyBrownMedia

Florida lawmakers are acting like alligators who smell blood – they are out for the kill.

Their sights set on the struggling newsprint industry, the Florida House passed a bill that would strip the state’s newspapers of desperately needed legal advertising revenue.

House Bill 35 repeals part of the law that requires placement in newspapers, announcements about tax increases, special elections, and other public notices.

Estimates suggest that such notices provide the state’s 100-plus newspapers with millions of dollars in annual revenue.

The Republican-sponsored measure passed this week by an 85-34 vote.

“When the telegram industry died because communication methodologies changed, government didn’t step in and require people to continue to send telegrams,” a cynical GOP Rep. Randy Fine, the bill’s primary sponsor, argued.

Fine called payments to newspapers an unnecessary subsidy and said the government should not save the “dying industry.”

The 60-page bill notes, in part, that if a governmental agency publishes a legal notice in a newspaper, each legal notice must be posted on the newspaper’s website on the same day that the printed notice appears in the newspaper, at no additional charge, also in a separate web page titled “Legal Notices,” “Legal Advertising,” or comparable identifying language.

The measure continues:

“A link to the legal notices web page shall be provided on the front page of the newspaper’s website that provides access to the legal notices. If there is a specified size and placement required for a printed legal notice, the size and placement of the notice on the newspaper’s website must optimize its online visibility in keeping with the print requirements.

“The newspaper’s web pages that contain legal notices must present the legal notices as the dominant and leading subject matter of those pages. The newspaper’s website must contain a search function to facilitate searching the legal notices. A fee may not be charged, and registration may not be required for viewing or searching legal notices on a newspaper’s website if the legal notice is published in a newspaper.”

The Senate version of the legislation, SB 402, is scheduled to be heard in its first Senate committee next week.

“There may be an asteroid out there somewhere, and it may be hurtling towards us right now. But until it hits, there’s still some dinosaurs like me left walking around,” Democratic Rep. Joe Geller countered during a Floor argument. “We’re not as comfortable with what you’re proposing as you are.”

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Ex-Loves, Lies and Video Game Addictions: Pandemic Secrets

NNPA NEWSWIRE — There are thousands – perhaps millions – of Americans who have not only found the pandemic as tough a challenge to navigate as any, but whose need for socialization rationale is among the litany of “secrets” they’ve kept to themselves during the first year of COVID-19.

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Reunions indeed count among the biggest pandemic secrets. (Photo: iStockphoto / NNPA)
Reunions indeed count among the biggest pandemic secrets. (Photo: iStockphoto / NNPA)

By Stacy M. Brown, NNPA Newswire Senior National Correspondent
@StacyBrownMedia

Steve Marrow, who founded the kayak website called Paddle About, knew that during the COVID-19 pandemic, going to a party was out of the question – or at least it should have been.

Marrow and his wife went anyway.

“I was leery of going, but we were in serious need of socialization,” Marrow explained. “Until that point, we hadn’t really done anything with friends. So, we went to the party, had a great time, and came home,” he remarked.

Afterward, Marrow offered some regret.

“If one of us had been sick, yes, for sure, I would have had regrets, but fortunately, we didn’t hear of anyone who got sick or had symptoms,” he said.

Marrow is one of the thousands – perhaps millions – who have not only found the pandemic as tough a challenge to navigate as any, but his story — and need for socialization rationale — is among the litany of “secrets” Americans have kept to themselves during the first year of COVID-19.

Yurii Brown said he was forced to swallow some pride when he accepted a private loan from his father-in-law as a last resort to keep his business afloat.

Brown, the founder of Coffee Geek Lab, noted that he is on good terms with his in-laws, but he kept a promise he made at the altar.

“I said I would do my best, use all of my resources, and do all the things that I can do on my own to give my wife a steady life,” Brown uttered.

He revealed that his wife had no idea.

“Fortunately, the loan and my business strategy led to success, and my business has now found the momentum it needs during the crisis,” Brown divulged.

With stay-at-home orders, mask requirements, and social distancing, many others said they had to find a release, but they had to do it quietly.

For Maria Snider, that meant being dishonest with her family and friends about her video game and Instagram addiction.

“It was hampering my work life,” Snider admitted. “I would ignore events with family and friends. The isolation and the lack of communication started [bothering] me.”

Later, Snider revealed, she did take steps to reconnect with her loved ones, which required uninstalling certain social media and gaming apps.

For Sandra Henderson, revealing her pandemic secret isn’t as simple as uninstalling an app.

“My best friend got into a terrible fight with her girlfriend and she decided to kick her latter out of the house,” said Henderson. “I couldn’t bear seeing her out in the streets in the middle of the pandemic, so I offered my house to her without my best friend’s knowledge since I didn’t want to get involved in their fight.”

Months later and Henderson acknowledges that her best friend remains unaware of her gesture even though the feuding pair have reconciled.

“I really care for the two of them, and I already treat them as my own siblings,” she said. “So, I tried multiple times to stand as their mediator, and thankfully, just last month, they reconciled. However, I still haven’t told my best friend how I helped her girlfriend seek shelter for five months.”

Reunions indeed count among the biggest pandemic secrets.

Stephan Jacob began dating his ex after months of quarantine and no action.

He noted that his one-time ex had caused him the biggest heartbreak, which triggered depression five years ago.

“My parents and friends would certainly disapprove of my decision to take her back, but I really love her. I am sure that they would discover it sooner or later, but there is only one reason that will justify my action: my love,” Jacob crooned.

Like Spring, Jacob’s hope is eternal.

“I believe that people change, and she has changed a lot,” he submitted. “When we started dating again, she has become more understanding and caring about me, and I know that I wouldn’t regret this decision.”

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