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MLK memorial, years in the making, resonates with LGBT community

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The civil rights movement pioneered by Martin Luther King, Jr., has inspired many leaders of the LGBT movement. (Washington Blade photo by Michael Key)

(UPDATE: The MLK Memorial dedication ceremony has been postponed due to  Hurricane Irene. It is expected to be rescheduled for September or October.)

When a tribute to the Rev. Martin Luther King, Jr. is dedicated this weekend, it will mark more than the addition of a new monument to Washington, D.C.’s landscape.

It will symbolize the civil rights leader’s success.

The stone likeness rises as the first monument to a man of color on the National Mall, 48 years after King described his then ground-breaking dream, and in a nation where — at least ostensibly — much of that dream has been realized.

The movement was a model for countless others, including the LGBT rights push, which has shared nonviolence tenets and even leaders like gay, black activist Bayard Rustin.

Yet most similarities end there.

While fruits of the civil rights movement are evident in modern America — apparent in a widening black middle class and a black first family in the White House, for instance — the gay rights movement’s successes have been slower coming.

Same-sex marriage rights remain tenuous and limited to a handful of states; despite hate crime legislation, the threat of violence continues to deny many gays and lesbians a basic sense of safety in their hometowns.

As the nation prepares to welcome King to the National Mall, community leaders share their outlook on the LGBT movement with the Washington Blade — from a California group using civil unrest to humanize the struggle; to the partner of late gay and civil rights icon Bayard Rustin working to keep his ideals alive; to former NAACP leader Julian Bond, who uses his status as a key historic civil rights figure to promote the LGBT rights struggle as a modern civil rights fight.

They point to entrenched faith-based bigotry, and even a lack of movement cohesion, as obstacles. But each believes that by using King’s model of continued struggle, the LGBT dream of full equality can be achieved.

Images of change

The Rev. Martin Luther King, Jr. sitting in an Alabama jail cell. Firefighters battering blacks with powerful jets of water. Jeering whites pouring condiments over the heads of stoic lunch counter protesters.

They’re images that moved activist Robin McGehee, as a child growing up in Jackson, Miss.

And today as executive director of GetEqual, she organizes demonstrations to create actions and images she hopes will drive home the plight of gay and lesbian men and women just as powerfully. An absence of such visual tools encouraged McGehee to form the group, with offices in Berkeley, Calif., and Washington, D.C., in January 2010.

“We had that in reference to the AIDS movement in ACT-UP, and fighting for adequate health care. But in reference to a full civil rights fight for equality, I couldn’t think of one iconic action,” she said.

The group has orchestrated more than 40 actions in the last year, including one in which military veterans handcuffed themselves to the White House fence to protest “Don’t Ask, Don’t Tell.”

The group honed use of such actions at the Highlander Research and Education Center, a New Market, Tenn., center that trained members of the original civil rights movement. McGehee and other LGBT equality activists underwent training at the historic center in January 2010.

“Not until you can give literal imagery to that discrimination do people really resonate or get it,” McGehee said.

Yet despite mirroring the earlier movement’s successful tactics, activists’ success in mainstreaming LGBT rights remains light years behind that of racial equality — something McGehee blames on entrenched religious bigotry.

“We’ve gotten into a moment where people are using the Bible as a weapon,” said McGehee, pointing out that while religious rhetoric once justified slavery and racism, cultural changes eventually erased such thinking. “… I don’t think we’ve jumped that hurdle with regard to gays.”

McGehee is encouraged, however, by more subtle success in incorporating gays and lesbians socially. Just a few years after Ellen DeGeneres thought twice about coming out on TV, realistic portrayals of gays and lesbians are common on TV.

“In time,” she said, “I think we’re gonna get there.”

A life of service

The former partner of Bayard Rustin said the gay civil rights leader would be happy with the arrival of marriage equality, but would have pushed for it in all 50 states. (Washington Blade archive photo by Doug Hinckle)

Walter Naegle had certainly heard of Bayard Rustin, the relentlessly active civil rights agitator who gained as much notoriety for his efforts to win black equality as for his open homosexuality.

But on the day he ran into the civil rights legend on a New York City corner in April 1977, he didn’t recognize him: Rustin wasn’t carrying his trademark walking stick.

“When he gave me his name, I knew,” said Naegle, whose chance meeting with Rustin lead to a 10-year relationship that ended only when the activist died in 1987.

More than two decades later, Naegle keeps Rustin’s ideals alive, working with filmmakers to promote “Brother Outsider,” a portrayal of Rustin’s story, executing his estate and generally overseeing the use of his image.

He believes Rustin’s courage, openness and tireless work — he was in his 70s and still agitating when he died — have helped make him resonate as an icon of the human rights movement.

By the time Naegle met Rustin, the activist had long been a legend. Rustin had worked with A. Philip Randolph to strengthen relationships between blacks and labor unions, but was perhaps best known for his role organizing the 1963 March on Washington.

He’d also become a gay rights icon before it was fashionable: Rustin was essentially outed in 1953 when he was arrested on a “morals charge,” yet he refused to deny the charges or his sexual orientation.

“He didn’t have to hide anything,” he said. “He was just going to be who he was and let the chips fall where they may.”

Rustin would pay the price for that openness.

“Whenever he would rise to a certain level, particularly in the African-American civil rights movement but also in other movements, something would happen and someone would try to chop him down,” Naegle said.

Nonetheless, “He was not defeated. He didn’t turn around and stop his activism — he just worked on the sidelines.”

Rustin remained active with several organizations, including the A. Philip Randolph Institute and the United States Holocaust Memorial Council, at the time of his death.

Years later, his story still has the power to inspire. Naegle said a book of his letters is slated for publication in March, in time for what would have been Rustin’s 100th birthday.

Naegle believes his partner would have been “heartened” to see marriage equality happen in even one state. But he wouldn’t have been satisfied with limited success.

“It’s fine to have these victories in urban areas,” Naegle said. “But people all over the country should be entitled to the same thing.”

“Gay and lesbian rights are not ‘special’ rights”

Julian Bond’s new fight

Former NAACP Chair Julian Bond likens the modern LGBT movement to the push for black civil rights in the ‘60s. (photo courtesy of wikimedia.org)

Where others may see conflict between the black and gay rights agendas, Julian Bond sees similarities.

Both groups struggle against bigotry based on personal characteristics. Both are entitled to basic rights by the same Constitution. And both benefit from each others’ successes.

Indeed, he argues, “People of color ought to be flattered that our movement has provided so much inspiration for others — that it has been so widely imitated,” Bond, who works as an adjunct professor at American University, told the Blade.

The man who has worn many hats as a Georgia lawmaker and leader with both the Southern Poverty Law Center and the NAACP, has more recently directed his outspoken energies to the conflict between civil rights and gay rights advocates.

It’s a particularly touchy dispute. Old school civil rights leaders and even some black gays bristle at LGBT activists’ use of King’s rhetoric to promote their agenda as a  modern civil rights movement. Some site racial divisions within the LGBT movement, and argue that discrimination faced by gays isn’t as harsh as that faced by blacks.

Yet for Bond, there isn’t much of a dispute: The two groups must lock arms.

“Many gays and lesbians worked side by side with me in the ’60s civil rights movement. Am I now to tell them thanks for risking life and limb helping me win my rights, but they are excluded because of a condition of their birth?” he said. “That they cannot share now in the victories they helped to win?”

Bond has lent his outspoken rhetoric and organizational skills to many causes over the years.

While a student at Morehouse College, in Atlanta, in the ’60s, he helped organize the Student Nonviolent Coordinating Committee, he was the first president of the SPLC and was board chairman of the National Association for the Advancement of Colored People from 1998 to 2010.

He’s become one of the most vocal mainstream voices in the movement to promote equal treatment for gays and lesbians, going as far as to boycott the funeral of King widow Coretta Scott King in 2006 after the services were arranged at an anti-gay church.

In July, Bond spoke at an NAACP forum discussing gay and lesbian issues in the black community, featuring openly gay black comedian Wanda Sykes and CNN anchor Don Lemon.

“People of color carry the badge of who we are on our faces. But we are far from the only people suffering discrimination,” Bond said. “Sadly so do many others. They deserve the law’s protections and civil rights too.”

Bond’s comments stand in contrast to the black community’s historically conservative stance on gay issues.

Yet he said one need only look at the personal examples set by the lauded civil rights leaders to see whether such thinking is in line with King’s dream.

“We cannot know what Dr. King would have thought about today’s GLBT movements,” Bond said. “But if we consider the prominent role his widow, Coretta Scott King, occupied in speaking out on GLBT rights, it is hard to believe that he would not have done the same.”

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Autos

Revving up the holidays with auto-themed gifts

Lamps, mugs, headphones, and more for everyone on your list

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Here’s how to shift your holidays into high gear.


Bentley Bottle Stopper

Pop your cork—in a good way—with a Bentley bottle stopper ($106), made of zinc alloy with chrome plating and rubber rings. The classy design is inspired by the automaker’s iconic “Flying B” mascot from 1930. 


Subaru Motorsports Counter Stool

Belly up to the bar with the Subaru Motorsports Counter Stool ($175). The 30-inch-tall metal chair—with padded vinyl cover and automaker logo—is lightweight and swivels 360 degrees. 


BMW Luxe Luggage 

You won’t have trouble spotting this chic khaki-green BMW M Boardcase ($307) at airport baggage carousels. The high-performance “M” logo is etched on the durable polycarbonate casing, as well as on the main compartment zipper and all four of the sturdy double wheels. Comes with recycled lining, along with laundry and shoe bags. 


Ford Yoga Gym Bag

The Ford Yoga Gym Bag ($15) has a wide handle and button strap to securely carry a yoga mat, as well as convenient pockets to stow water bottles and shoes. Made of black polyester, with reflective silver Ford logo. (Yoga mat not included.)


Kia Mini Lamp with Speaker/Sound

It doesn’t get much more Zen than a Kia Mini Lamp with Speaker and Sound Machine ($50). Made of bamboo, sturdy plastic and a fabric grill, the tiny wireless lamp has LED lighting with three settings. Pair with your phone to choose from eight soothing sounds: brook noise, bird chirp, forest bird, white bird, ocean wave, rainy day, wind and fireside.  


Lexus Green Pro Set

Practice makes perfect with the Lexus Green Pro Set ($257), a putting mat with “train-track markings” to help improve any golfer’s alignment. Lexus logo on the wood frame with automatic ball return. 


Lamborghini Wireless Headphones

Turn on, tune in, drop out—well, at least at the end of a hectic day—with these Lamborghini Wireless MW75 Headphones by Master & Dynamic ($901). Batteries last up to 32 hours or up to 28 hours in active noise-canceling mode. 


BMW Quatro Slim Travel Tumbler

The BMW Quatro Slim Travel Tumbler ($23) lives up to its name: sleek, smooth and scratch-resistant. Comes with leak-proof lid and non-spill design. 


Ford Vintage Mustang Ceramic Mug

Giddy-up each morning with the Ford Vintage Mustang Ceramic Mug ($29). With cool blue stripes, the 14-ounce mug features a silver handle and iconic pony emblem. 


My First Lamborghini by Clementoni

Proving it’s never too early to drive an exotic car, My First Lamborghini by Clementoni ($62) is for children ages two- to four-years old. Kids can activate the remote-control car by pressing the button on the roof or by using the remote. This Lambo certainly is less expensive than an entry-level Huracan, which starts at $250,000.  


Rolls-Royce Cameo 

For adults looking for their own pint-sized luxury ride, there’s the Rolls-Royce Cameo ($5,500). Touted as a piece of art rather than a toy, this miniature collectible is made from the same solid oak and polished aluminum used in a real Rolls. As with those cars, this one even has self-leveling wheel-center caps (which operate independently of the hubcaps so that the RR logo is always in the upright position). 


Maserati Notebook

For those of us who still love the art of writing, the Maserati MC20 Sketch Note ($11) is an elegant notebook with 48 sheets of high-quality paper. The front and back covers feature stylish sketches of the interior of a Maserati MC20 supercar and the Maserati logo. Comes with saddle-stitched binding using black thread. 


Dodge Demon Dog Collar

If your pooch is more Fluffy-kins and less the guard dog you sometimes need it to be, then there’s the Dodge Demon Seatbelt Buckle Dog Collar ($30). Made of steel and high-density polyester with a tiny seatbelt-buckle clasp, the collar is emblazoned with devilish Dodge Demon logos. 


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Real Estate

In real estate, it’s déjà vu all over again

1970s and ‘80s volatility led to creative financing options

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In the 1970s and ‘80s, sellers used creative mortgage options to entice buyers. Some of those trends are appearing again now.

In the 1970s and 1980s, mortgage interest rates climbed into the double digits and peaked above 18%. With rates like that, you needed more than a steady job and a down payment to buy a home — you needed creative financing ideas. 

Today’s market challenges may look different, but the response has been surprisingly familiar: unusual financing methods are making a comeback, along with some new ones that didn’t exist decades ago. Here is a brief overview of the most popular tools from that era. 

Assumable Mortgages were available with FHA, VA, and USDA loans and, until 1982, even Conventional mortgages. They allowed a buyer to take over the seller’s existing mortgage, including its interest rate, rather than getting a brand-new loan, while compensating the seller for the difference between the assumed loan balance and the contract price.

Often, a seller played a substantial role in a purchase. With Seller Financing (Owner Carry) the seller became the bank, letting the buyer make payments directly to them instead of to a traditional lender.

One variation on Seller Financing was the Land Contract. The seller was still the lender, but the buyer made loan payments to the seller, who then paid his own mortgage and pocketed the difference. The buyer would receive equitable title (the right to use and occupy the property), while the seller kept the title or deed until the contract was paid off or the property sold.

With Wraparound Mortgages, the seller created a new, larger loan for the buyer that “wrapped” around the existing mortgage at an agreed-upon rate. The buyer would then pay the seller, who would continue making mortgage payments on the existing balance, collecting payments and pocketing the spread. Whether title conveyed to the buyer or remained with the seller was negotiated between the parties. 

Unlike an assumption, when buying a home Subject To an existing mortgage, the buyer took title to the property and agreed to pay the seller’s mortgage directly to the lender plus any equity to the seller; the mortgage stayed in the seller’s name. Now, most mortgages have a Due on Sale clause that prohibits this kind of transaction without the expressed consent of the lender. 

Rent-to-Own was also a popular way to get into a home. While a potential buyer rented a property, the seller would offer an option to purchase for a set amount to be exercised at a later date (lease option) or allow a portion of the rent collected to be considered as a downpayment once accrued (lease purchase).

Graduated Payment Mortgage (GPM) loans were authorized by the banking industry in the mid-1970s and Adjustable Rate Mortgages (ARM) surfaced in the early 1980s. Both featured low initial payments that gradually increased over time. 

With the GPM, although lower than market to start, the interest rate was fixed and payment increases were scheduled. A buyer could rely on the payment amount and save accordingly. 

ARMs, on the other hand, had interest rates that could change based on the market index, with less predictability and a higher risk of rate shocks, as we saw during the Great Recession from 2007-2009.

While mortgage rates today aren’t anywhere near the extremes of the 1980s, buyers still face a tough environment: higher prices, limited inventory, and stricter lending standards. That combination has pushed people to explore tried and true alternatives and add new ones. 

Assumable mortgages and ARMs are on the table again and seller financing is still worth exploring. Just last week, I overheard a colleague asking about a land contract.

Lenders are beginning to use Alternative Credit Evaluation indicators, like rental payment history or bank cash-flow analysis, to assess borrower strength when making mortgage loan decisions.

There are Shared Equity Programs, where companies or nonprofits contribute part of a down payment in exchange for a share of the home’s future appreciation. With Crowdfunding Platforms, investors pool money online to finance real estate purchases or developments.

Another unconventional idea being debated today is the 50-year mortgage, designed to help buyers manage high home prices. Such a mortgage would have a 50-year repayment term, rather than the standard 30 years, lowering monthly payments by stretching them over a longer period.

Supporters argue that a 50-year mortgage could make monthly payments significantly more affordable for first-time buyers who feel priced out of the market. Critics, however, warn that while the monthly payment may be lower, the lifetime interest cost would be much higher.

What ties the past and present together is necessity. As long as affordability remains strained, creative financing – old and new – will continue to shape the way real estate gets bought and sold. As with everything real estate, my question will always be, “What’s next?”


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.

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Real Estate

Could lower rates, lagging condo sales lure buyers to the table?

With pandemic behind us, many are making moves

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Condo sellers may offer buyers incentives to purchase their home. (Photo by Grand Warszawski/Bigstock)

Before the interest rates shot up around 2022, many buyers were making moves due to a sense of confinement, a sudden need to work from home, desire for space of their own, or just a general desire to shake up their lives.  In large metro areas like NYC, DC, Boston, Chicago, Miami and other markets where rents could be above $2k-$3k, people did the math and started thinking, “I could take the $30,000 a year I spend in rent and put that in an investment somewhere.”  

Then rates went up, people started staying put and decided to nest in the new home where they had just received a near 3% interest rate.  For others, the higher rates and inflation meant that dollars were just stretching less than they used to.  

Now – it’s been five  years since the onset of the pandemic, people who bought four years ago may be feeling the “itch” to move again, and the rates have started dropping down closer to 5% from almost 7% a few years ago.  

This could be a good opportunity for first time buyers to get into the market.  Rents have not shown much of a downward trend. There may be some condo sellers who are ready to move up into a larger home, or they may be finding that the job they have had for the last several years has “squeezed all the juice out of the fruit” and want to start over in a new city.  

Let’s review how renting a home and buying can be very different experiences:

  • The monthly payment stays (mostly) the same.  P.I.T.I. – Principal, Interest, Taxes and Insurance – those are the four main components of a home payment.  The taxes and insurance can change, but not as much or as frequently as a rent payment. These also may depend on where you buy, and how simple or complex a condo building is.
  • Condo fees help pay for the amenities in the building, put money in the building’s reserve funds account (an account used for savings for capital improvement projects, maintenance, and upkeep or additions to amenities)
  • Condos have restrictions on rental types and usage – AirBnB and may not be an option, and there could be a wait list to rent.  Most condo associations and lenders don’t like to see more than 50% of a building rented out to non-owner occupants.  Why?  Owners tend to take better care of their own building. 
  • A homeowner needs to keep a short list of available plumbers, electricians, maintenance people, HVAC service providers, painters, etc.
  • Condo owners usually attend their condo association meetings or at least read the notices or minutes to keep abreast of planned maintenance in the building, usage of facilities, and rules and regulations.  

Moving from renting to homeownership can be well worth the investment of time and energy.  After living in a home for five years, a condo owner might decide to sell, and find that when they close out the contract and turn the keys over to the new owner, they have participated in a “forced savings plan” and frequently receive tens of thousands of dollars for their investment that might have otherwise gone into the hands of a landlord.  

In addition, condo sellers may offer buyers incentives to purchase their home, if a condo has been sitting on the market for some time. A seller could offer such items as:

  • A pre-paid home warranty on the major appliances or systems of the house for the first year or two – that way if something breaks, it might be covered under the warranty.
  • Closing cost incentives – some sellers will help a cash strapped buyer with their closing costs.  One fun “trick” realtors suggest can be offering above the sales price of the condo, with a credit BACK to the buyer toward their closing costs.  *there are caveats to this plan
  • Flexible closing dates – some buyers need to wait until a lease is finished.
  • A seller may have already had the home “pre-inspected” and leave a copy of the report for the buyer to see, to give them peace of mind that a 3rd party has already looked at the major appliances and systems in the house. 

If the idea of perpetual renting is getting old, ask a Realtor or a lender what they can do to help you get into investing your money today. There are lots of ways to invest, but one popular way to do so is to put it where your rent check would normally go. And like any kind of seedling, that investment will grow over time. 


Joseph Hudson is a referral agent with Metro Referrals. He can be reached at 703-587-0597 or [email protected].

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