Financial
Health care decisions for same-sex couples
By DANIELE E. HERNDON
Your significant other has reached the end of a long and painful battle with a terminal illness. As you have discussed many times, his wish is to die peacefully with pain management but no heroic measures. He cannot voice that wish, however, because he can no longer speak. The choice is in your hands. Or is it?
It depends on a number of factors, including whether your significant other has a living will, durable power of attorney, or advance directive and whether you are married or registered as a domestic partnership.
A durable power of attorney for health care is a legal document that names a medical decision maker if a person is incapacitated. It important for same-sex couples to know that if you do not have an advance directive naming your significant other or a friend as your agent and you are not married or registered as domestic partners, the hospitals and courts will look to your closest biological family member to make health care decisions for you, and your significant other will have no legal right to make such decisions, or in some cases, to even visit you in the hospital. Without this document, your significant other will also not be able to claim your body after death or direct the disposition of your remains.
A financial power of attorney can also be important to designate who will be in charge of financial matters in case of medical emergencies or incapacitating illness. Again, District courts will give blood relatives first choice to manage your significant other’s finances, even if you have a different choice.
A living will, or advance directive, is a legal document that specifies the types of life-sustaining measures you want to be used, if necessary, and which measures you do not want. This document can be important to persons living with terminal illnesses because it outlines end-of-life choices that may be contested by family members. In addition to having a living will, each partner should discuss their end-of-life choices with family members to avoid objections later on.
The purpose of the District of Columbia’s Health Care Decisions Act of 2003 is “to affirm the right of all competent adults to control decisions relating to their own health care and to have their right and intentions in health care matters respected and implemented by others if they become incapable of making or communicating decisions for themselves.”
Under the Act, an individual is incapacitated if he or she “lacks sufficient mental capacity to appreciate the nature and implications of a health care decision, make a choice regarding the alternatives presented, or communicate that choice in an unambiguous manner.”
It is important to note that there is a presumption that an individual is capable of making health care decisions. Specifically, the law provides that mental incapacity to make a health care decision may not be inferred from the fact that an individual: (1) has been voluntarily or involuntarily hospitalized for mental illness; (2) is mentally retarded; or (3) has a conservator or guardian appointed. Rather, mental incapacity to make a health care decision must be certified by two physicians.
If no durable power of attorney for health care decisions exists and a person has been certified to be incapacitated, then the following individuals, in the order of priority set forth below, may make health care decisions on behalf of the incapacitated individual: (1) A court-appointed guardian or conservator of the patient, if the consent is within the scope of the guardianship or conservatorship; (2) the spouse or domestic partner of the patient; (3) an adult child of the patient; (4) a parent of the patient; (5) an adult sibling of the patient; (5A) a religious superior of the patient, if the patient is a member of a religious order or a diocesan priest; (5B) a close friend of the patient; or (6) the nearest living relative of the patient.
Under the Act, if your significant other is not your spouse or domestic partner, you will have to petition the court to be appointed as guardian, or get in line behind a bevy of people who may or may know or care about your loved one’s wishes.
Even if a guardian or conservator is appointed, however, the spouse and all other individuals of lower priority as set forth in D.C. Code have the right to challenge in court any decision made by a person of higher priority, including the guardian or conservator. Moreover, if a spouse or other person of lower priority can demonstrate a better knowledge of the wishes of the patient or, if the wishes of the patient are unknown and cannot be ascertained, is better able to demonstrate a good-faith belief as to the wishes of the patient, then he or she can rebut the order of priority established by statute.
Real Estate
Stress-free lease renewals during winter months
A season when very few tenants typically move
January has a way of waking everyone up. After weeks of holiday noise, travel, family visits, and a general blur of activity, the new year arrives with its usual mix of resolutions, optimism, and responsibility. People start looking at their calendars again. To-do lists reappear. And tucked away in there is something many tenants didn’t give much thought to in December, their lease renewal.
Renewals in winter matter more than most people realize. It is a season when very few tenants typically move. The weather is unpredictable, schedules are tight, and most people are trying to regain their footing after the holidays. Because of this, renewal conversations tend to be more productive and more grounded.
Many landlords think of spring and summer as the heart of leasing season, and while that’s certainly when moves are most common, winter renewals hold their own kind of importance. A well-timed renewal does more than keep a unit occupied. It provides predictability for the year ahead, strengthens relationships, and reduces the costly turnover that smaller landlords want to avoid.
In my experience, tenants who might hesitate during another time of year are often relieved to secure housing before the pressures of spring and summer begin. Uncertainty is one of the prime causes of unnecessary turnover. If tenants don’t hear from their landlord, they often start browsing listings “just in case,” or asking friends about other options. Once that door is opened, it can be hard to close. Initiating the renewal process early helps anchor tenants before doubts start creeping in.
Tenants often make clearer decisions in January than they would in November or December. During the holidays, people are distracted and stretched thin; emails are skimmed, not absorbed; and anything involving planning often gets deferred until “after the new year.” When tenants return home in January, they have a better sense of their plans, their budget, and their needs for the coming months. This makes it a much easier moment to start or restart a renewal conversation.
The practical reality is that most tenants don’t want to move in the winter. Who wants to haul furniture across icy sidewalks or deal with last-minute moving delays due to storms? Beyond the weather, January is a time when people are reorganizing finances, filing paperwork, and settling into routines. The thought of a major transition simply doesn’t fit. Landlords can use this natural reluctance to create a smoother, more collaborative renewal process.
One thing I’ve learned over the years is that clarity is a landlord’s best tool. Tenants don’t need lengthy explanations, legal jargon, or complicated attachments. They simply want to know:
- Are the terms changing?
- If so, how?
- What does their timeline look like?
- Would the landlord consider another set of terms?
A concise, well-laid-out renewal offer does two things. First, it demonstrates transparency, which builds trust. Second, it keeps the conversation focused and productive. When tenants understand exactly what’s being proposed, there is less back-and-forth, fewer misunderstandings, and a quicker path to a signed agreement.
Tenants are more receptive when they feel they’re being treated fairly and openly. If there’s a rent adjustment, a brief explanation helps tenants see the reasoning behind it, such as increased operating costs, significant maintenance completed during their stay or alignment with the market.
Lease renewals are moments of connection. The best landlord-tenant relationships are built over time through small exchanges, transparency, and mutual respect. Renewal season offers an opportunity to reinforce that.
A simple acknowledgement of the tenant’s care for the home or their timely payments can set a positive tone. Even a short note of appreciation signals that you see them not as a lease term, but as a partner in maintaining the property. These gestures cost very little but create a sense of goodwill that carries through maintenance requests, policy reminders, and everyday communication.
Many landlords underestimate how much tenants value being treated as individuals rather than account numbers. A thoughtful, personal touch during the renewal process can make a tenant feel recognizednand more inclined to stay.
Renewals aren’t only about securing another term lease.They’re also a natural moment to check in on the overall health of the property and the tenant’s experience. J anuary provides a quiet space to step back and ask:
• Are there maintenance concerns the tenant hasn’t mentioned yet or that have not been fully resolved?
• Is the property due for upgrades or any preventative work?
• Are there responsibilities or expectations worth revisiting?
These conversations don’t need to be long or formal, but they help prevent the small issues of one year from becoming the larger problems of the next. A tenant who feels heard is more likely to take good care of the home, communicate proactively, and renew again in future years.
While landlords must maintain structure and protect their assets, a bit of flexibility can go a long way during the renewal process. Tenants are often rebalancing budgets after holiday spending. Offering digital signatures, Having brief calls to clarify terms, being flexible, or a few extra days to make a decision can ease stress without compromising the landlord’s position.
Flexibility is about recognizing human realities. Most tenants appreciate being treated with patience and professionalism, and often reward that consideration with prompt decisions and smoother communication. There are many reasons why a full year renewal may not coincide with their plans. Being able to work out mutually agreeable renewal terms makes the solution a win for both parties.
For landlords, especially smaller ones, stability is the foundation of successful property investing. A vacant unit, even briefly, costs more than most people realize. There are marketing expenses, cleaning, repairs, lost rent, and the unpredictable timeline of finding the right new tenant. By contrast, securing a renewal with an existing reliable tenant protects cash flow, reduces risk, and creates predictability in planning.
January renewals, when handled well, deliver this stability right at the beginning of the year. They give landlords a clear roadmap for budgeting, maintenance scheduling, and forecasting. They also give tenants the security of knowing exactly where they stand, which reduces stress on both sides.
A lease renewal may seem like a small moment in the life of a property, but in practice, it shapes the experience of the year ahead. When the process is organized, honest, and respectful, it sets a tone that carries through every interaction until the next renewal date.
January is a time to consider leaning into this approach. The pace is slower, the mindset is clearer, and both landlord and tenant are ready to step into the year with more intention. A renewal handled thoughtfully now paves the way for a smoother, quieter, more predictable twelve months, something every landlord and every tenant can appreciate.
Scott Bloom is owner and senior property manager at Columbia Property Management.
Real Estate
Child- and pet-proofing your home for the holidays
It isn’t about being perfect but about being prepared
The holidays are meant to be joyful, cozy, and full of laughter — but if you have young children or pets, they can also feel a little chaotic. Twinkling lights, shiny decorations, guests coming and going, and tables full of tempting food can turn your home into a wonderland of curiosity and mischief. The good news? With a little thoughtful planning, you can keep the holiday magic alive while making your home safer for everyone who lives there.
There’s something oddly comforting about movies where animals go to war with holiday decorations, turning carefully strung lights and perfectly placed ornaments into chaos. Whether it’s a mischievous dog tangled in tinsel or a curious cat launching a full-scale assault on a Christmas tree, these scenes tap into a universal experience for pet owners.
The humor comes from the contrast: the human characters are trying to create warmth, tradition, and picture-perfect cheer, while the animals see the decorations as toys, obstacles, or personal enemies. The resulting destruction — trees tipping over, ornaments shattering, lights blinking out—feels exaggerated but relatable, especially during the already hectic holiday season.
Let’s start with decorations because they tend to be the biggest attraction. Ornaments sparkle, garlands dangle, and everything seems designed to be touched, pulled, or tasted. If you have little ones or pets, consider placing your most fragile ornaments higher on the tree and using shatterproof options on the lower branches. Tinsel and ribbon may look festive, but they can be dangerous if swallowed, so skipping them or keeping them well out of reach is a simple way to reduce risk without sacrificing style.
Holiday lights are another favorite fascination. Before hanging them, take a few minutes to inspect each strand for frayed wires or broken bulbs. Secure cords along walls or behind furniture so they’re harder to grab or chew and unplug them when you leave the house or head to bed. Not only does this help prevent accidents, but it also gives you one less thing to worry about during a busy season.
The Christmas tree itself can become a focal point for exploration. Make sure it’s sturdy and well-anchored so it doesn’t tip if a toddler tugs on a branch or a pet decides to investigate. If you use a real tree, cover the water base since tree water can contain additives that aren’t safe if consumed. For artificial trees, keep an eye out for loose pieces or needles that could become choking hazards.
Food is a big part of holiday celebrations, and it’s also one of the most common sources of trouble. Many traditional treats—like chocolate, grapes, raisins, alcohol, and foods containing xylitol—are dangerous for pets. Keep plates and serving dishes up high, secure the trash can, and gently remind guests not to slip pets or kids “just a little bite” without checking first. For children, be mindful of hard candies, nuts, and small treats that could pose choking risks.
Candles and fireplaces add warmth and charm, but they deserve extra caution. Flameless candles are a wonderful alternative if you want ambiance without worry. If you do use real candles, place them well out of reach and never leave them unattended. Fireplaces should always have a sturdy screen or gate, especially with crawling babies or curious pets nearby.
Holiday gatherings bring wonderful energy into your home, but they can also create new challenges. Doors opening frequently make it easier for pets to slip outside, so consider setting up a quiet, comfortable space where they can relax during busy get-togethers. This can help reduce stress for them and give you peace of mind. For children, stair gates, locked cabinets, and clear boundaries can help prevent accidents when there’s extra excitement in the air.
New toys and gifts are another thing to watch closely. Packaging, twist ties, plastic wrap, and especially button batteries should be cleaned up promptly. These items are easy to overlook in the excitement of gift-opening but can be dangerous if swallowed. Taking a few minutes to tidy up as you go can make a big difference.
Lastly, try to keep routines as steady as possible. The holidays naturally disrupt schedules, but familiar mealtimes, naps, walks, and bedtime rituals help children and pets feel secure. A calmer household often means fewer accidents and a happier experience for everyone.
At the end of the day, child- and pet-proofing your home for the holidays isn’t about being perfect but about being prepared. A few small adjustments can help you relax, enjoy your guests, and focus on what truly matters: creating warm, happy memories with the ones you love. When your home feels safe, the holidays feel even sweeter.
Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH @properties. Call or text her at 202-246-8602, email her at [email protected] or follow her on Facebook at TheRealst8ofAffairs.
Real Estate
In real estate, trust the process
With rates coming down, we could see spring surge in buyers
The average 30-year mortgage rate is falling, little by slowly. With predictions that the rate will continue to adjust downward in the next year or two, there may be a busier spring market than we have seen in the last few year, especially for the DMV market, which has been reeling from thousands of layoffs this past year. The frenzied activity resulting from interest rates close to 3% for some borrowers will probably not occur; however, this spring could add up to be a few notches busier than the last.
What does this mean for buyers and sellers? Lender Tina Del Casale with Waterstone Mortgage says she has seen “low to mid 6’s as the average for conventional loans.” If rates continue downward into the 5% range, there may be more activity than we saw in the last year or two. This could release a little bit of pent up demand.
Many buyers will have found that for whatever reason, their current home is not meeting their needs. Sellers may want to finally take the plunge and put a for sale sign in the yard and online, now that they might find a more reasonable rate on their next home. This winter can be an opportunity to assess financial situations, home conditions, and optimize one’s chances to have a sale with more agreeable terms, or put one’s best foot forward in an offer. In addition to checking with a lender or favorite handy person, let’s review what sellers and buyers typically spend their energy negotiating while enjoying the lovely process called “going under contract”:
- Timelines – Sellers might want to have their house solidly under contract (papers signed, thumbs up from the lenders, all inspection items decided upon and settled) so that they can put an offer down on a new home, and then negotiate that timeline with the other sellers. Remember, making a move is not only about the buyer taking possession of a new home, but also about the sellers figuring out their situation as well.
- Sale Price – unfortunately for buyers, in the eyes of most sellers, “money talks.” So, in a non-competitive situation, a seller might be happy to just get one offer at a price that was within the desired range. As soon as another interested buyer enters the equation, it can become a little bit like RuPaul’s Drag Race, and one will have to lip sync for one’s life, honey! And only one buyer will get to hear the words, “condragulations!”
- Tone/Vibes/Energy in the Room – Remember: Human beings are emotional creatures. All of us have feelings. And all of us want to put energy into situations where we feel appreciated, where a level of self-awareness exists, and a sense that each side is trying one’s hardest to act in good faith. The best transactions I saw were where a little grace was the “grease on the wheels” of the transaction. Occasionally, a buyer had cold feet and wanted to see the unit a few more times before the settlement date, or a seller forgot to scrub the bathroom with a little extra elbow grease before the settlement date. Life happens; misunderstandings can occur. A wise therapist once said: “You don’t have to like it, but can you allow it?” The tone of one or both parties in the transaction can be what seals the deal, or results in one party exiting the contract. (In the case of the dirty bathroom, the seller left a check with the title company for the buyer to pay a housekeeper to come clean what they couldn’t.)
Joseph Hudson is a referral agent with Metro Referrals. He can be reached at 703-587-0597 or [email protected].
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