Financial
Target hits the LGBT market, with much-improved aim
Some praise retailer for Pride month support; others want local commitment


Fifty years after Stonewall, LGBT people who listen to a song, stream a series, or read a book have more positive images to draw upon than ever before.
But where are our faces in the ads that sell us those thingsāor, for that matter, pretty much everything? Rarely seen is the same-sex couple sizing up choices at a car dealership, passing around a tube of toothpaste during their morning routine, or sharing a smooch as anniversary rings are exchanged.
āThereās just a very small group of companies that make an effort to educate themselves, and to progressā¦ to show us as we are, or appeal directly to the LGBT consumer,ā says Todd Evans, of Rivendell Media.
As Rivendellās president and CEO, itās Evansā job to place advertisements for the National LGBT Media Association. (This publication is among its members.)
Absolut Vodka and Wells Fargo, Evans notes, are on the short list of high-profile corporations that market to the LGBT community with creative content that depicts lives being lived in something other than heterosexual accordance.
Include Target on that list, says Evans, who points to the general merchandise retailer as an example of a company committed to LGBT-specific marketing and products.
āThis is a group that has wanted to educate themselves,ā says Evans, recalling, āyears ago, Target faced a boycott for [indirectly] donating to an anti-LGBT politician. They rose to the occasion by not only stopping that, but becoming LGBT-friendly.ā
In July 2010, Target became a, well, target of backlash, after donating $150,000 to MN Forward, a group that proclaimed to function as a champion of Minnesotaās economy, but also funded campaign ads for Tom Emmerāthe Republican candidate for governor who, The Minnesota Independent reported, āauthored a constitutional amendment to prohibit same-sex marriage and civil unionsā in 2007, while a member of the Minnesota House of Representatives.
As reported by Minnesotaās MPR News in an Aug. 20, 2010 article, Gregg Steinhafel, CEO of Target (whose headquarters is located in Minneapolis), apologized for the financial contributionābut only after, MPR noted, āDemocrats, gay rights groups and others called for a boycott of the company.ā
Steinhafelās Aug. 5, 2010 letter to Target employees asserted the companyās commitment to āfostering an environment that supports and respects the rights and beliefs of all individuals,ā and pledged to bring together āa group of companies and partner organizations for a dialogue focused on diversity and inclusion in the workplace, including GLBT issues.ā
Making good on that diversity pledge, ironically, raised the hackles of the anti-LGBT American Family Association, which has been boycotting Target since April 2016 for, it alleges, endangering āwomen and children by allowing men to frequent womenās facilitiesāāa dog whistle reference to Targetās policy allowing transgender people to use changing rooms and bathrooms in accordance with their identity.
Whether the product of public embarrassment, genuine enlightenment or a little bit of both, Target, says Evans, āwent from the verge of a boycottā during its MN Forward days āto really embracing their LGBT customers, and speaking directly to them.ā
Target got its feet wet with 2012-2016 ads in Out magazine and The Advocate, then, in 2017, Evans said the retailer āexpanded those national buys to a number of local markets, including Dallas, New York City, Miami, Boston, Orlando, Salt Lake City, and Denver. They also started carrying Pride merchandise every June, which shows they really educated themselves about the market, and the best way to reach it.ā
One series of ads featured individuals of, Evans notes, āevery shape and color. It really speaks to Pride itself, and being accepted. They even end it with the hashtag ātakepride.ā I donāt think you can ask for anything better.ā
Danielle Schumann, Corporate Public Relations Lead at Target, declined numerous requests for an interview, instead referring this reporter to links within the corporate.target.com destination.
Therein, Caroline Wagna, Target VP and Chief Culture, Diversity & Inclusion Officer, proclaims, āIn order to continue to be a place where people want to come and spend their money, we have to be connected to who our potential customers are across the board, and in order to stay relevant as a business, we have to be sure our guests are seeing experiences, products, and services that reflect who they are.ā
This year, corporate.target.com notes, Pride month was observed in the form of more than 90 Pride-themed items created by working āclosely with Targetās Pride Business Councilāan HQ-based team member resource groupāto create an assortment that is inclusive.ā Those items were made available in 350 of Targetās 1,868 U.S. stores.
A perfect score of 100 on the Human Rights Campaignās 2019 Corporate Equality Index and āpresenting partnershipā status with GLAADās Spirit Dayādescribed by the Gay & Lesbian Alliance Against Defamation as āthe worldās largest and most visible LGBTQ anti-bullying-campaignāā are among demonstrations of solidarity touted by Target, which also made a $100,000 Pride month contribution to GLSEN (the Gay, Lesbian and Straight Education Network), and said that in 2019, Target team members would ābe on tap to volunteer at more than 30 Pride events across the country, including this yearās World Pride in New York City.ā
In a case of funding Peter by shortchanging Paul, Evans notes, āThis year, Target didnāt advertise at allā with the print publications he representsāa stark departure from their Pride month advertising of the past. āBut I did notice they were a World Pride Stonewall 50 Platinum sponsor. I think this year, a lot of peopleās budgets went to that.ā
Attempts to engage Target on the local level have been unsuccessful, says Mark Segal, publisher of the Philadelphia Gay News, a member of the National LGBT Media Association.
āWeāve reached out to them on numerous occasions, and the response has been zero,ā says Segal. āThey have a store very close to the gayborhood here. I also see them advertising in neighborhood and community newspapers in Philadelphia, so you could say they are, at the very least, ignoring our community.ā
Community engagement, says Segal, pays dividends. āVarious companies in the Philadelphia area that advertise with us and make their presence known feel the strength of the LGBT market coming into their doors,ā he notes. āWe hear this by their reps calling us and telling us that, or about a congratulatory letter written from an LGBT customer.ā
Less impressive was the response to the outreach of PGN senior advertising media consultant Joe Bean, who has 23 years of experience in media sales and says heās āused to going for big accounts.ā Bean noticed the then-new local Target was placing recruitment ads in āall the other papers similar to ours in circulation,ā including the local Spanish language publication.
āI kept calling and calling,ā Bean recalls. āI got to the person who had jurisdiction over recruitment, who didnāt have to go through corporate in Minneapolis. But my efforts fell on deaf ears. They should be encompassing everyone, especially in a city like Philadelphia, which has a large LGBTQ footprint.ā
For Evans, despite gains, āThere is a lot of misinformation out there,ā on the part of corporate buyers.
āThe media habits of other niche markets differ drastically than that of the LGBT shopper, yet many corporations are using the same formula,ā says Evans. āDigital is king in Hispanic media, and for the African-American market, itās mobile. LGBTs, we use our phones for breaking news and for finding Mr. Right or Mr. Right now, but almost all digital and editorial news content comes from the print product. Face it. There is no Telemundo for the gays.Ā There is no CNN for our people.Ā They go local.Ā Itās all about trust.ā

As Valentine’s Day approaches, our thoughts often turn to love. While we may think of candlelit dinners or romantic gestures, love extends beyond relationshipsāitās about the spaces we inhabit and how we nurture our connection to them. Loving where you live can have a profound impact on your well-being, and for renters in Washington, D.C., transforming an apartment into a cherished home is not only possible, but also can feel essential.
Washington, D.C., offers a vibrant lifestyle, but it can also pose challenges for renters. High costs, stressful work environments, limited space, and the very nature of urban living might make it harder to settle in. However, with some thoughtful adjustments, you can turn your rental into a space you love. Letās explore how to create a home thatās a sanctuary, not just a stopover.
Personalize Your Space
One of the first steps to loving where you live is making it feel uniquely yours. Although renting may come with restrictions, there are plenty of ways to customize your apartment:
- Add Color: Use removable wallpaper or peel-and-stick decals to introduce vibrant or calming hues. Area rugs are another excellent way to bring warmth and character to any room.
- Display Your Story: Showcase meaningful art, family photos, or souvenirs from your travels. Gallery walls can make even a small space feel personal.
- Lighting Matters: Replace harsh overhead lighting with floor or table lamps to create a cozy ambiance. Use LED bulbs to save energy and customize brightness levels.
Embrace Multifunctional Furniture
City living can impose limited square footage and multifunctional furniture is your best friend. Look for pieces that serve dual purposes:
- A storage ottoman can double as seating.
- Fold-out tables save space while offering dining or work surfaces when you need them.
- A quality sofa bed is perfect for accommodating guestsĀ
Incorporate Plants and Greenery
Bringing nature indoors can instantly uplift your mood and enhance your living space:
- Low-Maintenance Options: Snake plants, pothos, and succulents thrive with minimal care.
- Vertical Gardens: If floor space is limited, consider wall-mounted planters.
- Window Sills: Herbs like basil or mint not only look and smell good, they are useful for cooking.
Create Comfortable Zones
Think about how you use your apartment and design dedicated areas:
- Work Corner: With remote work becoming increasingly common, invest in a comfortable chair, desk, and good lighting.
- Relaxation Spot: A corner with a plush chair, blanket, and books can be your go-to for unwinding.
- Entertaining Area: Even small spaces can shine with the right setup for hosting, such as a stylish bar cart or foldable chairs.
Maintain and Refresh Regularly
A clutter-free and clean apartment naturally feels more inviting:
- De-clutter quarterly, donating or discarding items you no longer use.
- Use storage systems to stash things away you do not need regularlyĀ
- Add seasonal touches like new cushions or throws to keep your space feeling fresh.
- Invest in quality cleaning tools to make upkeep easier.
Discovering the Loveable Side of D.C.
Beyond your apartment, Washington, D.C., is a city rich in experiences that make life here unique. Embracing the D.C. lifestyle can deepen your connection to where you live. Here are a few affordable and distinctly D.C. activities to enjoy this Valentineās Day month:
Loving Life in D.C.
1. Explore Hidden Gems:
- The United States Botanical Garden: Even though it is the middle of winter, the Conservatory on the grounds of the U.S. Capitol is a wonderful place to get out of the cold.Ā And a bonus – it is the time of year when orchids are in bloom. Enjoy a touch of a tropical environment right in downtown DC.
- Kennedy Centerās Millennium Stage: Enjoy free performances showcasing local and international talent. Every day, usually at 6 p.m., you can see artists from around the world in the central hall at the Kennedy Center. And all you have to do is get there in time! Check out the entire program here:Ā https://www.kennedy-center.org/whats-on/millennium-stageĀ
2. Taste D.C.’s Diverse Cuisine:
- Sample global flavors at Union Market. https://unionmarketdc.comĀ
- Grab a half-smoke from Benās Chili Bowl, a true local original, on U Street, H Street, and other locations citywide.
3. Embrace the Outdoors:
- Walk or bike the Mount Vernon Trail along the Potomac River; the Capitol Crescent Trail on the west side, and the newer trail, the Metropolitan Branch Trail that runs from Union Station to Silver Spring.
- Visit Malcolm X Park (also known as Meridian Hill Park) for its cascading fountains, lively drum circles, snow ball fights, and more! Ā
4. Dive Into History:
- Tour the lesser-known exhibits at the Smithsonian Anacostia Community Museum, the National Museums of Asian or African Art, and the incredible Renwick Gallery of American Art opposite the White House.
- Explore the Frederick Douglass National Historic Site for a deeper understanding of D.C.’s role in history.Ā https://www.nps.gov/frdo/index.htmĀ
5. Enjoy Affordable Culture:
- Attend pay-what-you-can nights at local theaters like Studio Theatre, Woolly Mammoth Theatre Company, or Theatre J located in the Jewish Community Center at 16th Street and Q Streets, NW.
- Take advantage of free museum access year-round, from the National Gallery of Art to the Hirshhorn Museum.
Building a Life You Love
Loving where you live isnāt just about the walls that surround youāitās about the life you create within them. By personalizing your apartment and immersing yourself in the unique experiences D.C. offers, youāll better foster a personal sense of belonging and joy. This Valentineās Day, remember to nurture not only your relationships, but also your relationship with your home and your city. After all, love begins at home.
Scott Bloom is owner and senior property manager of Columbia Property Management. For more information and resources, go to ColumbiaPM.com
Real Estate
Navigating D.C.ās down payment assistance programs
On the way home, after a detour and a few speed bumps

D.C. offers some of the most extensive programs for down payment assistance that are managed by the Greater Washington Urban League and the DC Housing Finance Authority, for programs like HPAP and EAHP (Home Purchase Assistance Program and Employer Assisted Housing Program).
The District also offers the DC Opens Doors Program. All of these are great examples of offerings to help first-time or newer home purchasers to afford buying in the District of Columbia, one of the nationās most expensive housing markets.
There are various requirements for a buyer to use the program. These can be found at dhcd.dc.gov/service/homeownership. Many qualified local lenders are knowledgeable about these programs and can assist in dozens of these transactions each year. Often, asking a lender about these programs is a great place to start. Tina Del Casale with Sandy Spring Bank has been helping her clients with these programs for years. As part of her education outreach for clients, Tina informs her buyers of the following:
- In the HPAP and the EAHP program, the seller must provide the opportunity for the buyer to perform a home inspection with a qualified home inspector. Ā
- The items that are flagged as āmust repairsā need to be fixed by the seller. Ā
- The buyer must get their financial documentation to the lenders involved, as well as to the District of Columbia to be approved to use the program. Ā
- Whichever organization or department is managing the down payment assistance fund disbursal will also be involved in the process.Ā
- Ideally, it takes about 45-60 days from the date of ratification (going under contract) to close (the settlement date)Ā
- The lenders help to qualify/approve the condo buildings for financial health, ensuring that the finances within the building are being maintained by the homeowner association.
What happens, often, is that the process goes smoothly until the organization that manages the down payment assistance funds receives the file. The closing date can be extended time and time again, causing both the buyer and the seller to recalculate moving dates, moving trucks, packing, when to move funds around, whose home they will be sleeping at after the 3rd or 4th delay, and wondering if the seller is going to become so agitated with the entire process that they begin to Google search the term āsmall claims court.ā In a recent instance, the buyer was delayed about four times over the holidays and when the file was ready to close, they were informed that the settlement had to be the following day. So, it was a situation of delay, delay, delay, delay, delay, delay, delay, and do this NOW, which means a buyer must coordinate (for the maybe 3rd time) a day off of work and recalculate their entire schedule at the last second to accommodate an organization that seems to have made few efforts to stay in communication along the way.
These delays make the buyer less competitive to win an offer and can make a planned purchase fail due to the failure of the buyer to perform. Nobody wants to be told their house will sell and then must make alternative plans when they realize the contract is not going through, OR there will be a significant delay by up to one to three months.
How can we make this process more user friendly? If we could, developers might be more motivated to make affordable housing units available for more people, knowing that the process of selling a unit wonāt cause interminable delays and headaches for all parties involved. Buyers must be fully vetted financially before submitting an offer. Is there a way to fully vet the down payment assistance funds, that they arrive in escrow at the title company a week or two before settlement so that all parties can plan their lives accordingly?
Self-awareness as an organization is crucial for knowing where blind spots exist, how they can be looked at, and how a decent process can be improved to fulfill its own goal of helping buyers get into homeownership. Perhaps an exit interview or feedback form could be sent to each buyer after purchase and looked at for suggestions for improvement.
Joseph Hudson is a referral agent with Metro Referrals.Ā Reach him at 703-587-0597 orĀ [email protected].
Real Estate
Tips for those considering buying a home in the Caribbean
Weather, safety, infrastructure among concerns

I recently returned from cruising through the Caribbean, just in time to experience the last vestiges of a snowstorm and 15-degree weather, coupled with a plethora of angry people wearing red hats, absent-mindedly riding around in circles on the Metro. No matter ā I still have that post-vacation glow.
The Caribbean, a diverse region of 13 independent countries, 12 dependencies, and seven overseas territories, has long been a dream destination for travelers, retirees, and investors alike. With its crystal-clear waters, pristine beaches, and relaxed lifestyle, it’s no wonder that many people are drawn to the idea of owning property in this tropical paradise.
Buying real estate in the Caribbean requires careful planning, research, and an understanding of the unique challenges and opportunities that come with investing in a foreign market. Selecting the right island and community is a critical step in the buying process.
Consider such factors as:
- Accessibility: Proximity to major airports and ease of travel
- Infrastructure: Availability of roads, utilities, and amenities such as internet and streaming services
- Safety and security: Crime rates and political stability
- Climate and weather risks: Susceptibility to hurricanes and natural disasters
- Healthcare: Quality and availability of medical services
Property prices and inventory vary widely across the region. Each Caribbean nation has its own rules regarding foreign ownership of property. Some countries have relatively open markets where foreigners can buy land freely. Others, such as the Bahamas, require special permits for non-residents purchasing property above a certain value.
It is essential to work with a reputable local attorney to navigate the legal requirements, including landownership laws and restrictions, residency and citizenship options, property taxes and fees, and title searches and due diligence.
Some islands, like Barbados and the Cayman Islands, offer residency permits for property owners who meet specific financial criteria. These programs can provide tax benefits, visa-free travel, long-term residency rights, and in some cases, top-tier medical facilities, including private hospitals and specialized care centers.
Moreover, Antigua & Barbuda,Ā Dominica,Ā Grenada,Ā St. Kitts,Ā andĀ St. Lucia offer a Citizenship by Investment (CBI) program for property buyers: In some cases, citizenship will grant you visa-free access to more than 150 countries. While the costs fluctuate depending on the country, the process can be completed in as little as 7-12 months.Ā
As you can imagine, there has been a surge of inquiries from the U.S. since last fall, so it would be wise to confirm the most recent amount and type of minimum investment required. You can find helpful information from the company La Vida atĀ goldenvisas.com.
Many buyers in the Caribbean look to generate income through vacation rentals or long-term leasing. Islands with strong tourism demand, such as Aruba, the Bahamas, and St. Lucia, offer excellent rental potential.
Working with a reputable property management company can help maximize rental income and ensure smooth operations; however, investors should consider seasonal fluctuations in tourism, property management costs, and local regulations on short-term rentals in determining their return on investment before committing to a purchase.
As in the U.S., buying property in the Caribbean comes with additional costs beyond the purchase price. These may include legal fees (typically 1-3% of the purchase price), stamp duties and transfer taxes that vary by country, real estate agent compensation, property insurance, and maintenance costs.
Financing can be a challenge for foreign buyers, as many Caribbean banks require substantial down payments or have stringent lending criteria. Some investors choose to secure financing from their home country or pay in cash.
Nonetheless, expatriates living in the Caribbean often benefit from a lower cost of living, warm climate, and relaxed lifestyle. Many islands have well-established expat communities, making it easier to adjust to life abroad. As you begin your journey, it is recommended that you secure health insurance that covers medical treatment in both the Caribbean and your home country.
To successfully purchase property in the Caribbean, research and choose your preferred island based on your budget, lifestyle, and investment goals. Work with a local real estate agent who understands the market and legal requirements and, if applicable, speaks the appropriate language. Hire an attorney to conduct a title search, review contracts, and ensure compliance with local laws. Negotiate the purchase price and sign a sales agreement. Secure financing (if needed) and transfer funds.
Once you have completed additional legal requirements such as obtaining permits, paying taxes, and registering the property, you might consider rental or management options if you are not living there full-time.
But if the Caribbean is to be your home away from home for at least a few years, turn off the news, stick an umbrella in your favorite frothy adult beverage, and lean into island living.
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 via DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.Ā
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