Living

Labor of love

Md. man remembers late spouse, years of activism

Published

12 years ago

January 3, 2013

Michael K. Lavers

Larry Esser (right) with his late spouse Tom Toth. (Photo courtesy of Larry Esser)

GLEN BURNIE, Md.—Larry Esser was 25 when he met Tom Toth on his first day of work at the old Chessie System’s office in Baltimore in June 1981. The Centers for Disease Control and Prevention had just reported the first cases of what later became known as AIDS. Maryland’s anti-sodomy law was still on the books, but Toth, who was 32 years older than Esser, felt it was important to live his life as an openly gay man.

“Tom kind of pursued me, to put it quite bluntly,” Esser tells the Washington Blade during a Dec. 13 interview. “I really liked him, that’s the funny thing. I didn’t feel like he was imposing himself or anything like that … he’s the bravest person I’ve ever met. His personal courage astonished me.”

Esser stressed he “had no idea I was gay” when he met his future spouse. He grew up in what he describes as an “extremely strict Roman Catholic household” in Connecticut where he routinely heard gay people “were probably worse than murderers and they were to be avoided at all costs” and they were “mentally defective.” Esser eventually found himself in a relationship with another man he conceded wasn’t “going anywhere” when Toth finally made his move.

“He was sitting at his desk and he was singing,” Esser recalls, laughing. “It was like in a joking sort of way he was singing and the other people around him were laughing when he was doing it and he was singing something about it’s springtime and it’s time for love. The way he tells this story, I came in the door and heard him singing that and I tried to sneak away. I didn’t want any part of that. And he saw me and he said, ‘Uh oh.’ And that’s when he began to realize that I was not what he thought I was. How can you explain how two people fall in love? I can’t explain that. But it just happened. I wasn’t afraid of him personally.”

Gay News, Washington Blade, Gay Maryland

Frank Kameny with Tom Toth in D.C. (Photo courtesy of Larry Esser)

Couple’s activism starts at home

The couple routinely engaged in what Esser calls “guerrilla activism” that began when he said the railroad fired him after they began dating in 1983 because of his sexual orientation. He considered moving back to Connecticut, but Toth insisted he move into the small Glen Burnie home he shared with his then-84-year-old mother, Mary.

“There was no arguing with that,” Esser says. “The funny thing is when he said it, it was exactly what I wanted to hear, but of course I couldn’t ask him that. It was up to him to ask me, and he did. And I was delighted.”

Esser took care of Toth’s elderly mother until she died the following year. He says the same Chessy System vice president whom he claims fired him threatened to do the same to his partner once he found out they were living together. (He says the railroad in the late 1970s had tried to fire an early member of the Baltimore Gay Alliance that later became the GLBT Community Center of Baltimore and Central Maryland, but the union fought for him.)

“He couldn’t do it directly,” Esser says, recalling efforts to fire Toth, who was a unionized stenographer. “He did a bunch of different things to try to get Tom to quit. And amazingly, Tom was actually ready to resign. A woman whose name I can’t remember, but will always be grateful to her told him don’t resign because the railroad is going to do a bunch of buyouts and you’ll be able to get a lump sum payment and retire, and that’s what he did.”

The couple also for years distributed copies of the Blade at locations throughout Anne Arundel County.

They decided to approach the Anne Arundel County Public Library Board of Trustees in Annapolis in 1993 after they read about the newspaper’s threatened lawsuit against the Fairfax County (Va.) Library for its proposed ban on the publication’s distribution inside its branches. Esser said Toth was “really rough with them,” in part because “he’d gone through a very repressive time back in the 1950s.” (He lived in Manhattan for 25 years and the New York Police Department once arrested him during a gay bar raid.)

“When we got to the library board, he told them point blank, ‘You’d better do this,’” Esser says. “They were not happy. They were not happy at all. I think some of them were actually kind of sympathetic to what we wanted to do, but they were taken aback by how assertive he was. They weren’t used to that. The library board is used to people coming and requesting things, not telling them what they’re going to do. And they were not happy.”

Esser says one of the board members later told him the board did not want to meet with Toth anymore because “he was very blunt,” but in the end they granted them permission to place 15 copies of the Blade in libraries in Glen Burnie, Severna Park and Annapolis. They continued distributing the Blades each week from the Center for more than two decades.

“By putting the paper there, I always felt that, I always wondered … if a young person going by thinking they were maybe gay or knew they were gay but felt very isolated, if they saw those papers, maybe that would give them a little bit of encouragement or a little bit of reassurance. But the other point was just sheer visibility. By having those papers there, Tom used to say … if even one person picks one up, he said even if they throw them away they still got to look at them. And that was an excellent point. And he was quite right. That meant a lot to us.”

Trust the truth

The AIDS epidemic had begun to exert its toll on gay men by the time the couple began dating — Esser recalls a time both he and Toth went to a small Severna Park health clinic to get HIV tests. Toth says the nurse asked him whether he was a gay man. “He said that was the first time in his entire life anyone asked him that directly,” Esser says. “He had never been asked that question.”

Larry Esser today. (Blade photo by Michael K. Lavers)

Esser says he felt the atmosphere during the late 1980s was “pretty optimistic” in spite of the epidemic and late-North Carolina Sen. Jesse Helms, fundamentalist preachers Jerry Falwell and Pat Robertson and other social conservatives who sought to demonize gay men during the AIDS crisis.

“Oddly enough, Tom never disliked [then-President Ronald] Reagan, but I think that’s because he remembered him from his movie star days,” Esser says. “He felt Reagan didn’t understand the whole situation that he was dealing with AIDS and gay people. He felt that Reagan really just didn’t understand it. It’s not that he was anti-gay particularly; he just didn’t really know what he was doing … I didn’t feel so kindly to Reagan at all. I thought he was just horrible.”

Toth and Esser also became involved in the effort to add sexual orientation to Maryland’s non-discrimination law in the 1990s.

He recalls one legislator who was “really being ridiculous, saying really ugly things about us” during a hearing on the measure in Annapolis. One of this lawmaker’s colleagues who had refused to listen to his speech asked Toth and Esser how they could stand to hear his rhetoric.

“Tom said, ‘Well we know it isn’t true, so we don’t worry about it,’” Esser says. “Of course you’ve got to fight. You can’t let people say things that aren’t true and let them say it without challenging it. And Tom did that. But at the same time you can’t let it stop you. You can’t let that negativism stop you. You have to keep fighting, pushing against it and that’s what Tom really, really did.”

Esser notes that Toth’s life spanned the same period through which Frank Kameny lived — the two met during the 2000 D.C. Pride parade. And Esser says when they met, it was as if they were kindred spirits.

“They were really speaking the same language,” he says, noting both Esser and Kameny came of age in the 1950s when lobotomies were performed as a way to cure homosexuality. “It was very impressive for me being a younger person relative to them seeing what these two men must have come through and how they were both so determined to do what they were doing. They refused to back down. They refused to accept what they were being told they had to accept. They wouldn’t do it. And that was a beautiful thing to me. It’s a moment I will never forget.”

Mesothelioma that Toth developed from asbestos exposure while working at a Baltimore shipyard that built liberty ships during World War II had already taken its toll by the time Gov. Martin O’Malley signed the state’s same-sex marriage law in March.

Toth and Esser legally married in D.C. in 2010, but he wanted to vote for both Question 6 and President Obama on Election Day. He applied for an absentee ballot because he did not think he would live until Nov. 6.

It arrived in the mail in early October.

“It came and I said do you want to sign it?,” Esser, who fought leukemia at the same time his spouse struggled with mesothelioma, says. “And he said, ‘No, I’ll do it tomorrow. Well the next day he wasn’t strong enough.”

Toth died three days later — on Oct. 11 — at age 88.

“He never did sign the absentee ballot,” Esser says. “He was very aware of what was going on. He was politically interested. He definitely wanted Obama to win. We just detested Romney. The hardest thing to communicate to people who were not gay (is) how much Obama had done to us, compared to everybody else.”

Esser says Toth wondered whether history would remember Obama along the same lines as Franklin Roosevelt in terms of “what he had done, particularly for gay rights.”

“When you come from a time where you were ignored totally … and suddenly here’s the president and he’s doing all these executive orders and this happening and that’s happening and then he comes out in favor of same-sex marriage, well that’s fantastic,” Esser says. “He was just delighted.”

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Real Estate

No Rose, your interest rate has nothing to do with how many likes you got on Hinge

Many factors help determine rates these days

Published

2 days ago

June 14, 2025

Joseph Hudson

With the rise of interest rates in recent years, buyers must understand the many factors that go into the final number. (Image by HomeStead Digital/Bigstock)

Picture it, you’re sitting in the lunchroom at work, and your coworker just bought a house. Another coworker bought one a few months ago and you hear that she got a totally different interest rate than the other one did, even though they both bought houses not that far from each other. Homebuyers everywhere have been wondering what interest rates they are going to get, lately. It’s easy to read an article online or see an ad on social media stating specific numbers, but there may be more than meets the eye going into a particular buyer’s interest rate.

What are the factors that can affect the interest rate a buyer eventually “locks in”?

Property details – certain properties may be in neighborhoods with higher rates of foreclosure, or there may be specific census tracts that allow a buyer to participate in the “Fannie Mae Home Ready” and “Freddie Mac Home Possible” programs, which carry more flexible requirements such as various income limits and lower interest rates, to help people begin homeownership.
Type of loan / loan amount– a conventional, conforming loan or a jumbo loan can have differing interest rates, as well as FHA loans.
Credit score – most people are aware that this affects what interest rate is quoted, just like on a credit card. Some lenders will work with you on ways to improve a credit score if the goal is to buy six, nine, or 12 months from now.
Lock period – do you want to lock in the rate for 30 days? 45? Market volatility can cause the rates to change so it will cost more money to hold onto a particular interest rate.
Loan to value ratio – one can still buy a home with less than 20% down, but the rate that is quoted may be higher.
Occupancy type – is this the primary residence or an investment property?
Points bought or credits taken – A buyer can pay the lender a fee to buy down the interest rate, or the seller can sometimes offer a credit. This has become more popular in recent years.
Market conditions – keep an eye on the news – as we are all aware, change is the only constant!

Lender Tina del Casale with Atlantic Union Bank says, “With jumbo fixed rates in the low 6’s, and first-time buyer down payment assistance loans such as DC Open Doors, rates are in the mid 7’s. With the added factors of your income, the address you are purchasing and your credit score factoring into the equation, interest rates are different from buyer to buyer these days. So, skip the online tools and make a few calls because that’s the only way to get an accurate quote these days!”

It might feel like an overwhelming amount of information to take on, but remember, there are people that help others take these big steps every day. A trusted lender and Realtor can guide their clients from start to finish when it comes to purchasing a home. And for that, you’ll be saying, “thank you for being a friend!”

Joseph Hudson is a referral agent with Metro Referrals. Reach him at 703-587-0597 or [email protected].

Advice

Stop haranguing your husband about how you think he should behave

Make your point and then move on from the argument

Published

2 days ago

June 13, 2025

Michael Radkowsky

Make your point and move on but don’t insist your significant other sees everything your way. (Photo by TeroVesalainen/Bigstock)

Michael,

My husband is great, but he’s a pushover. It happens at work a lot. For example: His colleague, who came back from maternity leave about four months ago, is always leaving early. And Jeremy is always staying late to finish the jobs that they should be doing together.

But the most galling to me is that he doesn’t speak up for himself in his family. His parents (in my opinion) overtly favor his brother (who is straight) and his brother’s family. I could give a lot of examples. The latest: They’re treating the brother and the family to a cruise.

We’ve been together for 15 years, married for 12, and never get any such treatment.

Jeremy says his brother is strapped for cash (four kids, one income) and the family needs a break, whereas Jeremy doesn’t need his parents to pay for his (or our) vacation. I don’t really want to go on a cruise but it’s the principle of the thing.

Again, this is just one example. I feel bad for Jeremy being walked on, over and over, and I want him to start standing up for himself. Despite my repeated entreaties, he won’t.

When I push him on this, he tells me I’m not seeing the whole picture, or he sees it differently, or it’s not a big deal, or he’s fine with things as they are.

I can’t see how he could be fine with being taken advantage of, or not being appreciated. I think he’d have a much better life if he actually set some boundaries with people.

How do I persuade Jeremy to listen to me and be more assertive?

Michael replies:

Do you see the irony in complaining that you can’t get your husband to listen to you about being more assertive and setting a boundary?

You’ve made your point to Jeremy, repeatedly, and Jeremy is telling you to back off. In other words, he’s assertively setting a boundary with you.

You can’t get someone else to behave in the way you want, even when you’re certain that your way is best. Jeremy gets to decide how he wants to conduct himself.

Here’s a pattern I have noticed over and over again through my years of working with couples: When you try to do something for someone that is their own job to do, both you and the person you are trying to “help” wind up being resentful. You get annoyed that the other person won’t listen to your wonderful advice, and the other person gets annoyed because they don’t want someone else telling them what to do or how to live their life.

In this case, you’re trying to get Jeremy to stand up for himself more than he does, and he’s not interested in changing how he operates.

A great rule for relationships: You can advocate for what you want, but you have to let go of the result. (And advocate sparingly, or you risk being a nag).

You are continuing to argue the same point to Jeremy, and Jeremy isn’t interested in listening to you. As you asked for my advice, here it is: Cut it out before he gets into the resentment stage, if he’s not already there, as you apparently are.

Also, please consider that your repeatedly criticizing Jeremy’s parents where Jeremy sees no problem could damage not only your relationship with Jeremy, but also his and your relationship with his family.

We get to marry the person we marry. We don’t get to insist that they upgrade to a better (at least in our opinion) version. Trying to do so is not just disrespectful and a waste of time, it poisons the relationship.

So find a way to live with Jeremy as he is, or — if you find his acquiescent nature unbearable — leave. But don’t spend the rest of your marriage, or even another day, haranguing him about how you think he should behave.

Michael Radkowsky, Psy.D. is a licensed psychologist who works with couples and individuals in D.C. He can be found online at michaelradkowsky.com. All identifying information has been changed for reasons of confidentiality. Have a question? Send it to [email protected].

Real Estate

The best U.S. cities for LGBTQ homebuyers in 2025

Where strong equality scores, vibrant culture, attainable prices converge

Published

1 week ago

June 8, 2025

Scott Helms

Philadelphia is among cities that rank highest for LGBTQ homebuyers. (Photo by sborisov/Bigstock)

Buying a home has always been a landmark of security and self-expression. For LGBTQ+ people, it can also be a powerful act of claiming space in a country where housing equality is still a work in progress. The good news? This year offers more options—and more protections—than ever. A record-breaking 130 U.S. cities now score a perfect 100 on the Human Rights Campaign’s Municipal Equality Index (MEI), meaning their local laws, services, and political leadership actively protect queer residents, reports.hrc.org. Meanwhile, national housing analysts at Zillow expect only modest price growth this year (about 2.6 percent), giving buyers a little breathing room to shop around.

Below are eight standout markets where strong equality scores, vibrant LGBTQ+ culture, and relatively attainable prices converge. Median sale prices are from March 2025 Zillow data.

1. Minneapolis–St. Paul, MN

Median sale price: $317,500

Twin Cities residents benefit from statewide nondiscrimination laws that explicitly cover sexual orientation and gender identity, a thriving queer arts scene, and dozens of neighborhood Pride celebrations beyond the mega-festival each June. Buyers also appreciate Minnesota’s down-payment assistance programs for first-time and BIPOC purchasers—many LGBTQ+ households qualify.

2. Philadelphia

Median sale price: $227,667

Philly combines East Coast culture with Mid-Atlantic affordability. “Gayborhood” anchors like Giovanni’s Room bookstore mingle with new LGBTQ-owned cafés in Fishtown and South Philly. Pennsylvania added statewide housing protections in 2024, closing the legal gaps that once worried trans and nonbinary buyers.

3. Pittsburgh

Median sale price: $221,667

Don’t let the steel-town stereotype fool you—Pittsburgh’s MEI score is 100, and its real-estate dollar stretches further than in comparable metros. Lawrenceville and Bloomfield have become hubs for queer-owned eateries and co-working spaces, while regional employers in tech and healthcare boast top Corporate Equality Index ratings.

4. Tucson, Ariz.

Median sale price: $328,333

This desert city punches above its weight in LGBTQ+ visibility thanks to the University of Arizona, a nationally ranked Pride parade, and some of the country’s most picturesque outdoor recreation. Arizona’s statewide fair-housing statute now explicitly lists gender identity, giving buyers added recourse if discrimination occurs.

5. Madison, Wisc.

Median sale price: $413,867

Madison blends progressive politics with a top-five public university and a booming tech corridor. Local lenders routinely promote inclusive marketing, and Dane County offers one of the few county-level LGBTQ+ home-ownership programs in the nation, providing up to $10,000 in forgivable assistance for low-to-moderate-income couples.

6. Atlanta

Median sale price: $359,967

The cultural capital of the Southeast delivers queer nightlife, Fortune 500 jobs, and a web of supportive nonprofits such as Lost-n-Found Youth. While Georgia lacks statewide protections, Atlanta’s 100-point MEI score covers public accommodations, contracting, and employer requirements—shielding homebuyers who choose in-town neighborhoods like Midtown or East Point.

7. St. Petersburg, Fla.

Median sale price: $354,667 Yes, Florida’s statewide politics are turbulent, but St. Pete has long held firm on LGBTQ+ equality. The city’s Pride festival draws nearly a million visitors, and local ordinances bar discrimination in housing and public services. Waterfront bungalows in Kenwood and more affordable condos near Uptown give first-time buyers options.

8. Denver

Median sale price: $563,500

Colorado passed some of the nation’s strongest gender identity housing protections in 2024, and Denver’s queer community remains one of the most visible in the Mountain West. Although prices run higher, buyers gain exceptional job growth and one of the country’s largest Gay & Lesbian Chambers of Commerce.

Smart Strategies for LGBTQ+ Buyers & Sellers

1. Build Your Dream Team Early

Work with an equality-focused real-estate pro. The easiest way is to start at GayRealEstate.com, which has screened gay, lesbian, and allied agents in every U.S. market for more than 30 years.
Choose inclusive lenders and inspectors. Ask whether each vendor follows HUD’s 2021 guidance interpreting the Fair Housing Act to cover sexual orientation and gender identity.

2. Know Your Rights—And Limitations

Federal law bars housing bias, but enforcement can lag. Document everything and report issues to HUD, your state civil-rights agency, or Lambda Legal.
In states without full protections, rely on city ordinances (check the MEI) and add explicit nondiscrimination language to your purchase contract.

3. Evaluate Neighborhood Fit

Use local data: crime stats, school ratings, transit, and MEI scores of nearby suburbs.
Spend time in queer-owned cafés, bars, and community centers to gauge true inclusivity.

4. For Sellers: Market With Pride—And Professionalism

Highlight proximity to LGBTQ+ resources (community centers, Pride festivals) in your listing remarks.
Stage neutrally but inclusively—rainbow art is great, but removing personal photos can protect privacy during showings.

The landscape for LGBTQ+ homeowners is evolving fast. By coupling inclusive laws, supportive culture, and attainable prices, cities like Minneapolis, Philadelphia, and Tucson stand out for 2025. No matter where you land, surround yourself with professionals who value every part of your identity. Start your journey at GayRealEstate.com, lean on the resources above, and claim your corner of the American dream—on your own terms, and with pride.

Scott Helms is president and owner of Gayrealestate.com.