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Labor of love

Md. man remembers late spouse, years of activism

Published

13 years ago

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Tom Toth, Larry Esser, gay news, Washington Blade
Tom Toth, Larry Esser, gay news, Washington Blade

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, gay news, Washington Blade

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.”

Related content:
Great places to get married in Maryland
Before you wed — legal considerations 

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Autos

Revving up the holidays with auto-themed gifts

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

Published

6 days ago

on

November 23, 2025

By

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

Published

7 days ago

on

November 23, 2025

By

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

Published

2 weeks ago

on

November 17, 2025

By

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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