Living
Who actually owns your home?
Check that deed for common mistakes
Far too often, couples that live in homes together — married or unmarried — don’t understand how the ownership of their homes is actually structured. In the hundreds of times that I’ve sat down with same-sex couples to review their estates, we’ve uncovered ownership issues as often as not. Many of those less than ideal situations can be updated or repaired easily enough. But I have also seen too many cases in which one half of the couple becomes homeless after a break-up or the death of a partner or spouse.
The problems typically center around unequal ownership stakes. See if any of these scenarios sound familiar. Maybe one of you owned the house before you met. Or, when it came time to buy, one of you had the down payment and the income to pay most of the carrying costs. Now you’re living together and treating the home like it belongs to both of you, but still only one name is on the deed. Other times, the lopsided arrangement happens because one of you has a less than sterling credit history and a lender advises you to put just one name on the deed for that condo or townhouse. Even if you’re splitting the costs down the middle, the person on the deed is the one and only owner.
None of those setups are wrong, per se. It may be the arrangement that makes you most comfortable. But you must understand the risks. Even if that’s how your home-owning relationship started, it doesn’t have to stay that way. Typically, the costs to re-deed property from one person to two people are minimal. You can protect the interests of the original owner with a partnership agreement or a pre- or post-nuptial agreement. But making sure that the surviving spouse or partner of someone who has died has a place to live (in my opinion) overrides almost every other concern.
I believe that one of the shockers in the real estate industry is just how often well-intended property deeds have built-in title problems. You’d imagine that all of the people who handle that part of the transactional process could come up with the right structure with their eyes closed. And you would be wrong. There are THREE ways that couples can hold title to real estate together and each generates a different result when one co-owner dies.
Tenants-in-common means that the share left by a deceased partner goes straight into that person’s estate. If there is no will, that share gets divided among legal heirs, whoever they may be—say, your partner’s estranged brother from Kansas. Even if there is a will, the deceased co-owner’s share goes through probate.
Joint tenants with rights of survivorship is better—and until the legalization of same-sex marriage, it was the best most of us could do. If your home is titled in this way, the survivor inherits the property automatically, though you still have to satisfy any outstanding judgments or liens against the property.
Tenants by the entirety is available only to married couples. It provides the greatest level of protection because it guarantees that the property will go to the surviving spouse automatically, free and clear of most liens that were only against the interest of the person who died.
Even if the terminology makes your head spin, the process of understanding and cleaning up the ownership structure of your home is reasonably simple. First you tackle the practical question of whose name or names should be on the deed. Then you work with an attorney to be sure the deed is drafted properly, that the nature of the relationship between the parties is portrayed correctly, and that the property is described accurately.
If you are preparing to purchase a home, do not assume that settlement agents will automatically title the property in the best way for your circumstances. If you already own a home together, don’t take it for granted that it is titled in the best way—especially if you are married now, but weren’t married back when you made the purchase. I see deeds that are conspicuously wrong almost every week. They are easy and inexpensive to correct, but only if the error is found while both parties are alive and well. If you have a question about any of the real estate topics covered in this column, please don’t hesitate to call me or send me an e-mail.
(This column is not intended to provide legal advice, but only general guidance that may or may not be applicable to your specific situation.)
Lawrence Jacobs has helped hundreds of same-sex couples and LGBT singles in the Washington area protect their assets and loved ones through partnership planning. He is a partner at McMillan Metro, P.C. and has practiced law for 42 years. He is admitted to the bar in Maryland, Virginia and the District of Columbia. Learn more about Larry and his practice at PartnerPlanning.com.
In the rapidly evolving world of real estate, two major trends are converging to shape the homes of the future: sustainability and smart home technology. As more people become aware of the environmental impact of their choices, and as technology continues to advance at a breakneck pace, these two trends are increasingly influencing buying decisions in the residential real estate market. For those looking to buy or sell a home, particularly within the LGBTQ community, understanding these trends is essential. At GayRealEstate.com, we recognize the importance of these developments and how they contribute to a better, more sustainable future for all.
Demand for Sustainable Living
Sustainability is no longer just a buzzword — it’s a key factor in the decision-making process for many homebuyers. The modern consumer is increasingly conscious of their carbon footprint and is seeking homes that align with their values. Sustainable homes, also known as green homes, are designed to be energy-efficient and environmentally friendly. They often feature solar panels, energy-efficient windows, and advanced insulation systems, all of which contribute to reducing the home’s overall energy consumption.
One of the primary benefits of sustainable homes is the long-term cost savings they offer. By utilizing renewable energy sources like solar power, homeowners can significantly reduce their utility bills. Additionally, many governments and municipalities offer tax incentives and rebates for homes that incorporate green technology, making the initial investment in sustainability more financially viable.
The Rise of Smart Home Technology
Simultaneously, smart home technology is becoming a must-have feature in modern homes. What was once considered a luxury is now becoming a standard expectation for many buyers. Smart homes are equipped with devices and systems that can be controlled remotely via smartphones, tablets, or voice-activated assistants like Amazon Alexa or Google Home. These technologies include smart thermostats, security systems, lighting, and even kitchen appliances, all designed to make life more convenient, efficient, and secure.
Smart home technology is particularly appealing for its ability to optimize energy use. For example, a smart thermostat can learn a homeowner’s schedule and automatically adjust the temperature to reduce energy consumption when the house is empty. Similarly, smart lighting systems can be programmed to turn off when not in use or to dim based on the time of day or natural light levels, further contributing to energy savings.
Intersection of Sustainability, Smart Technology
The most forward-thinking homes are those that successfully integrate sustainability with smart home technology. This intersection is where the real innovation in real estate is happening. Homes that combine these elements offer not only reduced environmental impact but also enhanced living experiences.
Imagine a home where solar panels are not just installed but are also connected to a smart grid that optimizes energy use based on real-time data. Or consider a home with a rainwater collection system that works in tandem with smart irrigation to water the garden efficiently and sustainably. These are not just futuristic ideas — they are already being implemented in new developments across the country.
In fact, this integration is becoming a key selling point in competitive real estate markets. Buyers are increasingly looking for homes that offer both energy efficiency and the convenience of modern technology. For sellers, this means that investing in these features can significantly increase the value of their property and make it more attractive to potential buyers.
Impact on Property Values
As sustainability and smart technology become more ingrained in the real estate market, their impact on property values is becoming increasingly evident. Homes equipped with these features are often valued higher than comparable properties without them. Buyers are willing to pay a premium for homes that offer lower energy bills, reduced environmental impact, and the latest in home technology.
For LGBTQ real estate buyers and sellers, particularly those who value innovation and environmental responsibility, these trends represent an exciting opportunity. By focusing on sustainability and smart home technology, you can find or create a home that not only meets your needs but also contributes to a better, greener future.
(At GayRealEstate.com, we are committed to helping our clients navigate these emerging trends. Whether you are looking to buy, sell, or simply explore the possibilities, our network of knowledgeable and LGBTQ-friendly real estate professionals is here to guide you every step of the way. Together, we can make sustainable, smart living a reality for everyone.)
Jeff Hammerberg is founding CEO of Hammerberg & Associates, Inc. Reach him at 303-378-5526 or [email protected].
Advice
My boyfriend has gained 50 pounds and won’t change
Should I stay with someone who refuses to get off of the couch?
Dear Michael,
My boyfriend of five years has been steadily putting on weight and now I would say he is about 50 pounds heavier than when we met, which was the summer of 2019.
First he blamed the weight gain on COVID. Like most people we were stuck at home, anxious, and overindulging in comfort food; and the gym wasn’t an option. So I didn’t say anything and figured things would return to “normal” once we got through the pandemic.
I will say, though, that I managed to not gain much weight during that time because I found ways to exercise. He didn’t want to join me and I didn’t push.
Although we’re long past COVID, Tim hasn’t changed his ways. He never went back to the gym and continues to eat whatever he wants. I’d say his main hobby is sitting on the couch watching TV and eating junk food.
To make matters worse, his sister recently told me that historically Tim has been a heavy guy. He’d never bothered to share this with me, so I had no idea.
Evidently I met him on the tail-end of an intense push to get in shape. So he looked really good at the time, but that was temporary.
When I confronted him about this, he was mad at his sister for telling me and said I had no right to talk about him behind his back. Well, I didn’t ask her—she just brought it up, and was surprised that I was surprised.
Tim is annoyed that I keep voicing my unhappiness about his being out of shape. He says he is the same sweet and loving person I fell in love with and I’m shallow to be so upset by surface appearances.
I told him he was trying to gaslight me: If he feels that love should have nothing to do with how you look, then why did he go to all the trouble to lose weight and get in shape before we met? I feel like he did it to get a boyfriend and then thought he could just go back to being fat once he was in a relationship.
So now he’s mad at me for saying he’s basically a devious schemer. I didn’t use those words but it’s true I don’t trust him and feel taken advantage of.
Besides the weight, it’s not attractive to see him just basically lie around all the time and not take care of his body.
I asked if he’d consider some drug like Ozempic and he got really angry and said I’m awful to suggest something that might have all sorts of side effects just so that I will be happier with his looks.
The upshot is, I feel stuck with a guy who turns me off and doesn’t want to do anything about it and tells me I’m shallow for not being in love with him no matter what he looks like.
My friends tell me to dump him, but does he have a point?
Michael replies:
You get to decide whom you want to date. You are very far from alone in wanting an energetic and physically attractive partner.
It’s true that no one stays gorgeous, and has an amazing body, forever. We all have to accept the changes that time brings to our partners and to ourselves. But that is different from accepting a partner who isn’t making any effort to take care of himself.
Aside from the lack of self-care, Tim’s refusal to share significant details about his life, or his thoughts and motives around big issues, is both a trust-destroyer and a huge roadblock to your having a close or intimate relationship. And the way that Tim blows off your questions, and attacks you for being curious or confused, is a recipe for distance and resentment. It is also unkind.
Now let’s look at your part in this. I’m curious about what has been keeping you in this relationship. You haven’t said anything about what you like (or love) about Tim. All I know is that he describes himself as sweet and loving.
Maybe he has some wonderful qualities you haven’t mentioned. Or maybe it’s hard for you to stand up for yourself? To let someone down? To have a boundary when it’s important?
My biggest questions: Do you have a history of picking partners who underperform in some major ways? Or is the first time you’ve found yourself constantly disappointed by your partner, and constantly pushing him to do better?
Somehow you’ve created a life where you are hitting your head against a brick wall, getting nowhere, continuing to do it, and complaining about the pain. Tim’s made clear that he doesn’t want to do anything different, and yet you continue to push him to change. Your behavior might be leading him to dig in. In any case, it’s leaving you miserable.
In any relationship, you can certainly ask for what you would like from your partner. But you have to let go of the result. And if the answer is “no,” you can either accept it, or drive the two of you crazy.
If you do care about this relationship, and Tim, and yourself, you could propose to Tim that the two of you meet with a couples therapist. Perhaps this would help Tim to open up and to get a grip on his behaviors. It might also help you to understand why you might be keeping yourself stuck in a miserable position, so that you can raise your level of functioning in this relationship.
One more important thought: Tim’s lack of self-care and energy make me think that he is depressed. I wonder if Tim—before you met him, at least—was one of the many gay men who feel intense pressure to have a certain kind of body. It isn’t always easy, or even possible, to sustain this kind of appearance. And I wonder if he may be ashamed of where he is, which might be one big reason for his defensiveness.
Again, couples therapy—or individual therapy—might help him address whatever is keeping him down. But Tim would have to be willing to go. You can make the suggestion, but you cannot force him to change.
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
Stylish solutions for furry friends
From a cozy dog bed to a chic cat tree, there’s a wide range of options
In today’s world, pets are more than just companions; they are family members. I know – I have four dogs.
As pet owners increasingly seek to create comfortable and stylish living spaces for their furry friends, pet furniture has evolved from basic necessities to trendy, functional, and aesthetically pleasing pieces. Whether you’re looking for a cozy bed for your dog, a chic cat tree, or multifunctional furniture that blends seamlessly with your decor, the market offers a wide range of options.
Pet furniture isn’t just about luxury; it’s about improving your pet’s quality of life and making your home more functional. Traditional pet beds, scratching posts, and kennels have their place, but modern pet furniture goes beyond the basics to offer enhanced comfort and durability.
Well-designed pet furniture can provide several benefits.
Comfort and Support: Just like humans, pets need proper support for their joints and muscles. Orthopedic beds and ergonomic furniture pieces cater to the specific needs of aging pets or those with health issues.
Behavioral Benefits: Cats scratch, dogs chew, and pets generally need an outlet for their instincts. Specialized furniture, such as scratching posts, climbing trees, and chew-friendly materials, can reduce destructive behaviors.
Aesthetic Appeal: Gone are the days of unsightly pet beds and clunky kennels. Today’s pet furniture is designed to complement your interior decor, making it easy to integrate into your living space without compromising style. Many furniture pieces are customizable, allowing you to choose colors, materials, and even monogramming to match your personal taste.
Space-Saving Solutions: Multifunctional pet furniture, like beds that double as storage units or cat trees that also serve as bookshelves, are perfect for those living in smaller spaces. They help maximize space while providing for your pet’s needs.
Before diving into where to buy pet furniture, it’s important to understand the different types available. Here are some popular options.
Pet Beds: From plush, cushioned beds to minimalist, elevated cots, pet beds come in a variety of styles. Some are designed for specific breeds or health conditions, such as orthopedic beds for older pets or heated beds for colder climates.
Cat Trees and Scratching Posts: Cat furniture is essential for felines who love to climb, scratch, and perch. Modern designs often feature multiple levels, cozy hideaways, and built-in scratching posts.
Pet Sofas and Chairs: These miniature versions of human furniture are perfect for pets who love to lounge. They often feature stylish upholstery and sturdy construction.
Pet Houses and Tents: Indoor pet houses and tents provide a safe and private space for pets to relax. They come in various materials, including wood, fabric, and even wicker, to match your decor.
Pet Stairs and Ramps: For older pets or those with mobility issues, stairs and ramps help them reach higher surfaces without strain. In fact, I just bought a set of foam steps so my aging dogs can still avail themselves of the family sofa. They also have a ramp to get to my deep mattress bed.
Multifunctional Furniture: These pieces serve dual purposes, like a coffee table that doubles as a pet bed or a bench with built-in pet storage. You can even hide food and water bowls in a pull out designed for the toe kick of your kitchen cabinets.
Chewy is a go-to destination for pet supplies, and they offer a wide range of pet furniture options. Whether you’re looking for a simple bed or a designer cat tree, Chewy has a variety of styles and price points. They also frequently offer discounts and free shipping on orders over a certain amount.
Known for its vast selection of home furnishings, Wayfair also offers a broad range of pet furniture options that are perfect for those looking to match their pet’s furniture with their home decor. Look for options from the PawHut brand.
If you’re looking for unique, handcrafted pet furniture, Etsy is the place to shop. Many independent sellers create custom pieces, such as personalized pet beds, handmade cat trees, and stylish pet houses.
Amazon offers an extensive range of pet furniture, from budget-friendly options to high-end, designer pieces. With fast and often free shipping, it’s a convenient choice for pet owners looking to compare different products.
Petco and PetSmart are also popular pet stores that offer both in-store and online shopping. Their selections include functional and affordable options from well-known brands in the pet industry.
Whether you’re on a budget or looking for luxury pieces, your furry friend deserves the best, and with the right furniture, you can create a home that’s comfortable and beautiful for humans and pets alike.
Valerie M. Blake is a licensed Associate Broker in D.C., Maryland, and Virginia with RLAH Real Estate/@properties. Call or text her at 202-246-8602, email her via DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.
-
Arts & Entertainment14 hours ago
2024 Best of LGBTQ DC Readers’ Choice Award Finalist Voting
-
District of Columbia4 days ago
Washington Commanders fire exec who called Black players ‘homophobic’
-
a&e features5 days ago
Jussie Smollett asserts innocence while promoting new film
-
Politics2 days ago
Tim Walz celebrates Shepard family in HRC National Dinner speech