It’s that time again — annual enrollment, also known as open season or open enrollment. If you are lucky enough to be employed and receiving benefits from your employer, this is your opportunity to make changes to your elected benefit options. Even if you are happy with your current selections and don’t think any changes are warranted, it is a good idea to reassess your needs and stay informed about what is changing.
First things first: one of the biggest problems participants make during open enrollment is making last minute decisions. If you want to make informed decisions and manage your costs, the best thing to do is attend an open enrollment meeting. This is your opportunity to listen to a presentation by a broker consultant and/or the product vendors and, most importantly, ask questions. Here are some other important things to consider:
• Health Insurance. When choosing your health insurance option, remember this: health insurance is meant to be a financial safety net but is not meant to cover all costs. Look at your choices carefully including premiums, deductibles and co-pays. If you have frequent medical appointments or other needs and anticipate submitting numerous claims, consider selecting the option with the least out of pocket expenses such as a Health Maintenance Organization (HMO) or a basic Preferred Provider Organization (PPO). If you travel a lot within the U.S., consider a PPO with open access on a national basis so you are not stuck spending on out of plan services.
On the other hand, if your claim history is low and you think you will continue to be a light user of the benefits, see if a Health Savings Account (HSA) is available. An HSA typically has higher deductibles but you use pre-tax dollars to pay for your out-of-pocket costs and any money not spent will carry over year to year. Another way to use pre-tax dollars to pay for medical expenses is a flexible spending account (FSA) in which you can set aside a portion of your earnings to pay for qualified medical expenses. Just remember, if you don’t spend what you put aside during a calendar year, you will lose the money. So plan carefully and remember you cannot claim over-the-counter medications for FSAs or HSAs beginning in 2011.
• Dental Insurance. Many employees do not opt for dental insurance because they think the premiums are too high. This may be true, but the premiums are a pre-tax expense and certain services are provided free, such as two cleanings a year. If you have access to a dental PPO, the services are provided at discounted PPO rates, so even if the plan does not pay for certain services like orthodontia, you may still get the benefit of a discount.
• Life Insurance. It is always a good idea to talk to a financial professional who can help you access your overall life insurance needs in relation to your long term goals, your current income and expenses, and what you want your legacy to be. Once you have determined your overall need, you can then determine whether a group policy, a private policy or a combination of the two is appropriate for you. Group life insurance can be a great opportunity to get life insurance coverage quickly and without going through the underwriting process which can be timely and lead to exclusions or denial of coverage. For some, group life insurance may not provide enough protection and particularly for those who are healthy, the cost of group benefits may be more than you can get privately.
• Disability Insurance. Many white-collar employers offer short- and long-term disability insurance. Disability insurance is important to consider as this will protect some of your income in the event you become disabled. Again, however, many factors go into a determination of how much and what type of disability coverage is appropriate. Often group coverage only protects up to 60 percent of your income (and sometimes even less) up to a limit. Additionally if your premiums are paid by your employer on a before-tax basis, you will be taxed on any benefits you receive. Private disability insurance on the other hand can be paid with after-tax dollars, which might allow you to receive benefits tax free.
This material is for informational purposes only and is not intended to act as specific advice. Please talk to a financial professional prior to investing and a tax advisor for tax advice. Benefit guarantees for insurance are subject to the claims paying ability of the insurer.
What to watch for during an open house
Check condition of kitchen, flooring, windows, and more
Anyone who knows me might say that I am detail obsessed. This has proven to be an amazing asset when looking at real estate. When I scour through listings for clients I am analyzing the photos, floor plans, and square feet of each property to ensure that everything flows properly into what my clients are looking for in their home. These items I search for also tell the tale of how recently renovated a property is, how well loved it was and a general idea of how much will be needed to make improvements and get it into the condition and aesthetic of which my clients are dreaming. When the time comes to see property in person, the fun begins and I am going to provide a few simple tips that you can use on your Sunday open house strolls that we all love to do.
The following is by no means an exhaustive list of things that I, and other individuals, keep an eye out for when touring homes, but these are perhaps the most noticeable and least controversial. Let me state here (for my lawyer warned me) I am by no means a home inspector, contractor, interior designer, etc.
• The kitchen truly is the heart of the home, especially with the holidays approaching. Some obvious items to identify are the cabinets. Are they soft close or can you slam them shut in an argument and really get your point across? If they are not soft close this means that likely they are on the older side and as such most items in the kitchen are also on the older side. In the kitchen I focus mainly on items that are difficult to remove, like cabinetry and counter surfaces. Appliances, while sometimes costly, can easily be replaced due to wear and tear.
• Moving through the house I take note of windows. What material are they made out of? Are they operational or painted shut? And how many are there? This last piece is CRUCIAL. This not only comes to mind when you need to replace windows but more immediately for the purpose of window coverings — it all adds up quickly.
Flooring is next on the list. Not so much that the warm wood tones will clash with my client’s furniture, but more so the condition of the flooring and how much there is. Again, similar to the windows, coming from a place of utility and replacement. What condition is the flooring in and what type? If I’m lucky enough to find original wood floors my clients have been searching for, how many times have they been refinished and can they be refinished again? If not, then how large is the home and what’s the cost to replace the flooring. As I pointed out earlier, on behalf of my lawyer, I am not a structural engineer either. I would take note of any low points or dips in the flooring and if needed, consult an engineer to take a look at the support pieces of the home.
Moving onto electrical components. An easy thing to look for is outlets. Identify the type of outlets a home has. We are fortunate here in the DMV to have a plethora of older homes. This comes with its own set of challenges. If you see an outlet that only accepts a two-prong plug then likely the electrical system is older and will need to be upgraded. Looking at the electrical panel for the home is also a very important step. If there are two prong outlets and glass fuses in the electrical panel then this is a great time to call Chip and Joanna Gaines as this home will likely need a massive overhaul.
Again, this is in no way an exhaustive list of things to identify as you are house hunting but rather some items that I always look for and point out when advising clients with perhaps one of the most expensive and scariest purchases of their lives. These items above are not meant to condemn a home but instead identify if a home is a good fit for you based on a more in-depth look. Paint and light fixtures can be changed, similar to hair color, but it’s a bit harder to change one’s heart. Ensuring the overall structure of the home and the more expensive components are in working order and have several useful years left is paramount.
Justin Noble is a Realtor with Sotheby’s International Realty licensed in D.C., Maryland, and Delaware for your DMV and Delaware Beach needs. Specializing in first time homebuyers, development and new construction as well as estate sales, Justin is a well versed agent, highly regarded, and provides white glove service at every price point. Reach him at 202-503-4243 or [email protected].
Investing in real estate: What you need to know
From REITs to flips, tips for getting started
In many cases, buying or selling a home is a very personal experience. Many people buy a home with the intention of living there – making memories, building a family, becoming part of a community. The same is true of sellers. Selling a home, in many cases, is simultaneously difficult and exciting – it means the ending of one chapter and the beginning of another. While the majority of buying and selling experiences may be personal – increasingly, others in the market are interested in real estate not just to find a home, but also to make a great investment.
In our current market, it’s easy to see why real estate can often end up being quite a profitable investment. In 2021, sellers often saw huge profits on the sale of real estate – but even in years where profits aren’t quite as significant as this year, real estate has often proven to be a sound and reliable long-term investment strategy. Real estate investments can add diversification to your portfolio, and a very successful venture, particularly if you buy and sell when the circumstances are right.
Over the last several years, many gay neighborhoods around the country have shown steady appreciation, leading investors, and particularly LGBTQ investors, to consider whether the time is right to consider adding real estate to their investment portfolio. For those considering real estate as an investment strategy, here are a few helpful tips:
• Consider REITs: For those just getting started with real estate investment, Real Estate Investment Trusts, or “REITs” for short, might be a good option. These provide the opportunity to invest in real estate without owning the physical real estate yourself. They are often compared to mutual funds, and you invest in a company, a REIT, which owns commercial real estate like office buildings, apartments, hotels, and retail spaces. Generally, REITs pay high dividends, which make them a popular investment in retirement, as well as for investors not wanting to own one particular piece of property.
• Consider investing in rental properties: Rental income can often be a steady, reliable source of income if you do your due diligence researching the property itself, the surrounding neighborhood, and the potential community of renters. While maintaining a rental property will certainly require some investment of time and energy on your part, it can be a profitable long-term investment and one that is appealing to many people.
• Put your skills to work: If you have a skill set that includes being able to renovate and upgrade homes – or if you know a trusted person or team of people who does, flipping a home that could use some renovation can be quite a profitable investment indeed. Getting a home that could use some extra TLC at a good price and updating it can result in a sales price that is significantly higher than the purchase price. This can certainly be a very good investment – and a fulfilling project too.
• Be willing to listen and learn: When trying something new, it is almost always helpful to talk to those with experience in that area. Investing in real estate is no different. Having a mentor who can give you some tips and advice from their own experience is invaluable.
• Get to know the neighborhood: When making any real estate decision, whether you’re going to live in a home yourself or purchase property for investment purposes, knowing the neighborhood and community you’re interested in is important. A key part of that will be finding a real estate agent who knows and loves the community that you’re interested in, and who understands the market in that area. This can make all the difference between a smooth and successful process, and a stressful one.
(At GayRealEstate.com, we are dedicated to our mission of connecting LGBTQ home buyers and sellers with talented, knowledgeable, and experienced real estate agents across the country who can help them to achieve their real estate goals. Whether you’re interested in buying or selling a home that you live in personally, or buying and selling for investment purposes, we can connect you with an agent who knows and loves the community, and who can help you achieve your goals. Contact us at any time. We look forward to helping you soon.)
Jeff Hammerberg is founding CEO of Hammerberg & Associates, Inc. Reach him at
303-378-5526 or [email protected].
Bistro du Jour transports you from Wharf to Seine
New casually sophisticated restaurant a welcoming, inclusive space
Delights run morning to night at The Wharf’s new Bistro du Jour, a casually sophisticated French outpost sliding into a prime waterfront space.
Courtesy of gay-owned KNEAD Hospitality + Design, this new restaurant flaunts a menu born from a Seine-side bistro, serving coffee in the morning hours to Champagne in the evening. Its all-day culinary oeuvre begins with coffee (from La Colombe) and omelettes, and ends with items like a towering and meaty bi-patty cheeseburger L’Americain.
Taking over the sweet spot vacated by Dolcezza, Bistro du Jour is a sister to Mi Vida and The Grill, KNEAD group’s two other Southwest waterfront locales. The group also runs several other formal and large-format restaurants they have populated across the city.
Why bring French to the Wharf?
“We have been here for almost four years and we knew what the area was missing and acted on it,” says one of the co-owners, Jason Berry. “We wanted something where people could come in at all hours of the day and find something they wanted, from coffee and pastry to a full-on sit down at night.”
The Bistro opens at 7:30 a.m. serving that local La Colombe coffee, plus flaky, buttery pastries from KNEAD’s partner Mah-Ze-Dahr Bakery. Breakfast service starts at 8 a.m. with brioche doughnuts, quiches, a “massive” Belgian waffle, and French toast topped with a blueberry compote and sweetened whipped cream.
Executive Chef Treveen Dove – transferred after three years at another KNEAD spot, Succotash Prime) – oversees the offerings, a tour of the “greatest hits” of a typical Parisian bistro.
“Oeufs Sur Le Plat is to die for, with the griddled buttered bread topped with a sunny side up egg, sautéed mushrooms and a Mornay sauce… It’s so rich and delicious.”
By 11 a.m., the Bistro transitions to other traditional French fare, like French onion soup, tuna Niçoise salad, steak frites, mussels in a white wine and garlic butter, and a croque madame sandwich dripping with gruyere and creamy Bechamel. One unique offering is whipped brown butter with radishes and crostinis. There are also gougeres, warm cheese puffs shot through with gruyere.
Come 4 p.m., the dinner menu fills out even more, with additional dinner items confit de canard (duck leg with green lentils and red wine shallots); and a robust, earthy coq au vin (braised chicken with bacon, mushrooms and mashed potatoes); and a lamb shepherd’s pie with mashed potatoes that would be at home on a French Alps farm.
Due to space limitations, the Bistro lacks a sit-down bar. Yet beverage director Darlin Kulla, who has been a part of the KNEAD family for more than four years, has put together a focused menu of six craft cocktails. You’ll find not only a French 75 (gin, lemon verbena, lemon, bubbles), but also a Manhattan and a “Champs Elysees” with cognac, chartreuse, lemon, and bitters.
The bar itself carries only one brand of each liquor: one gin, rum, and vodka. “ If you want vodka, you’re having Grey Goose,” notes Reg with a smile.
Given the cuisine, there is a considerable French wine list topping 60 bottles, leaning heavily on Champagne and sparkling wine. There are almost 20 red, white, rose, and Champagne options by the glass and carafe, as well. The bar rounds out its stock with French aperitifs and bottled beer.
Notably, the majority of the restaurant’s seating is situated on the building’s exterior, in a newly constructed all-season patio enclosure with almost 70 seats. The owners designed the space to maximize waterfront views, capacity, and flexibility. During warmer days, the Potomac breeze is welcome to flutter around coffee-sippers; in the colder months, the windows roll down for a fully enclosed and conditioned space. The patio’s banquettes arrived directly from France, and twinkling strung lights sway from the ceiling.
The interior is done up in Mediterranean greens, pinks, and creams. Big windows welcome in daytime natural light, but allow for a dim, mood-lit atmosphere in the evening. Traditional bentwood bistro chairs dot the space and antique-style tin tiles reflect a classic Parisian flair. Over at the bar, the glassware display was created from a single panel of antiqued brass. At the rear, a daytime counter offers coffee, pastries, and drinks.
As Bistro du Jour’s owners are both gay men, they note that, “Our restaurants are intended to be welcoming to all guests of all backgrounds, beliefs and demographics. We cater to everyone, which is the only way to lead a hospitality organization.”
“When you’re part of a minority group in society,” they say, “the only way to lead your restaurants is as inclusive, welcoming, and hospitable leaders.”
Though smaller than their other ventures, a French bistro right on the teeming, pedestrian-heavy Wharf “was the perfect fit,” they say.
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