Financial
Gay-owned pharmacy survived pandemic by serving without judgment
‘To be competitive, you have to think out of the box’
(Editor’s note: This is the third in a multi-part summer series of stories taking a closer look at how a group of diverse LGBTQ entrepreneurs survived and thrived during the pandemic. The series is sponsored by the National LGBT Chamber of Commerce. All installments in the series are available on our website.)
LGBTQ seniors visiting a community pharmacy in Northern California and anxious about getting the “jab” are often soothed by Allie, a 15-year-old Australian Cattle Dog mix who works there alongside her dads.
“We’re all like a big family,” said Dr. Clint Hopkins, a pharmacist and co-owner of Pucci’s Pharmacy in Sacramento with his husband, Joel Hockman. “We want to ensure that our staff and patients remain safe and healthy. Patients can feel that in our culture and that makes it a more welcoming place for them.”
Though he admits some people stop by “just to pet the dog,” that’s fine by him, too.
Hopkins and Hockman wear many hats besides CEO and COO of their independently owned pharmacy, and often it means working long hours to manage dozens of employees and hundreds of regular customers requiring expensive and specialized medications, such as HIV treatments and antipsychotic medications, but they said it’s worth it to keep from turning anyone away.
“We’ve had people from everywhere that were denied medication from someone somewhere,” Hopkins explained. “We literally don’t judge them. And we ‘untrain’ any of those things in our staff that they may have learned – any societal construct or something their family may have taught them. It’s not our job in any way to pass any judgment on anyone.”
Hockman agreed, adding: “Medication is a necessity and not an option for people to stay safe.”
This founding belief in serving everyone without judgment is what helped their small business grow during the height of the pandemic, even as the economy was collapsing into a recession in 2020.
Even as other businesses shuttered from the strain of lockdowns and lost business, Pucci’s Pharmacy expanded the delivery service it previously offered as well as its contactless and curbside services. They also worked with the Sacramento County Public Health vaccine distribution program.
As a result they tripled their business, resulting in an expansion to a larger space in 2021.
“In order to be competitive, you have to think out of the box,” Hockman explained. “What are the customers’ expectations? How are they expecting to receive your products or services during a pandemic? For our business, people were going to be more reluctant to come into the store. At the pandemic’s height, we were also limited by who could physically come into the store.”
So, the pair adjusted their business during the crisis to meet the changing safety needs of their community. This was in part because they knew the important role the pharmacy played in their community, particularly for those who are more vulnerable.
Pucci’s Pharmacy has been a Sacramento fixture for almost 90 years, since brothers Peter and Dino first set up shop in 1930. Their former employee, Tom Nelson, bought the pharmacy with his wife, Linda, in 1979.
When the AIDS epidemic swept the region and eventually the world in the 1980s, Nelson provided critical medications and affirming care at a time when some pharmacies were still denying both to HIV patients.
Hopkins and Hockman bought Pucci’s in 2016 and continue its welcoming legacy.
Today, research shows LGBTQ seniors are particularly medically and economically vulnerable due to a history of discrimination, and they, like seniors in general, increasingly rely on local pharmacies to meet their healthcare needs.
These vulnerabilities were exacerbated by the pressures of the pandemic, and may have contributed to Pucci’s rapid expansion.
The unemployment rate for those 65 and over more than quadrupled between March and April 2020, during the height of the lockdowns and the economic downturn, according to the U.S. Department of Health and Human Services.
Even before the pandemic, 94% of seniors were covered by Medicare, and SAGE, the LGBTQ seniors advocacy organization, states many LGBTQ older people in particular “struggled with poverty.”
SAGE found LGBTQ seniors were twice as likely to be single and live alone, and were four times less likely to have children. The Center for American Progress also reported LGBTQ seniors were more likely to rely on federal benefits such as the Supplemental Nutrition Assistance Program (SNAP), Medicaid, subsidized housing assistance, and unemployment insurance.
Aaron Tax, director of advocacy at SAGE, told the Blade his organization witnessed many LGBTQ seniors relying on groups serving aging populations “to deliver life-saving help” as “financial resources dried up and the safety net was stretched thin.”
But at the height of the crisis, SAGE often delivered critical services unfunded and without reimbursement, such as SAGEConnect, which was launched to connect socially isolated LGBTQ older people across the country.
“LGBT organizations cannot do this work alone,” Tax said.
A Canadian study found pharmacies, in particular, to be “perfectly positioned” to work with elderly patients, their doctors, and their caregivers to best manage their care.
According to the report, pharmacists as “medication experts” often monitor prescriptions from multiple doctors and inform the patient about what each is supposed to do as well as what side effects and interactions to watch out for. They can also simplify a treatment plan for “maintaining a quality of life” for senior patients.
“Lowering stress for anyone is critical,” Hockman said regarding changes they instituted during the pandemic.
“Stress increases the possibility for illness to set in,” he explained. “Everything we deliver to the customer reduces that stress level as much as possible. Like offering curb services so people don’t have to go into the store if they aren’t comfortable.”
While Tax stated it was important for LGBTQ seniors to feel welcome in all businesses, it was important for those providing healthcare services. Otherwise, LGBTQ seniors might delay or even avoid seeking the critical care they need.
According to the Williams Institute, LGBTQ older adults avoid or delay healthcare fearing discrimination. Data from their 2016 study also found a legacy of barriers to housing, employment and social programs continue to put LGBTQ seniors, particularly those who also identify as people of color, at greater risk.
“If businesses pay a little bit more attention to LGBTQ older people,” Tax explained, “they can help LGBTQ older people overcome the history of stigma and discrimination that they have faced.”
The National LGBTQ Chamber of Commerce points out this can be good for the economy as well.
The group’s 2017 economic report stated LGBTQ consumers spend $917 billion every year on goods and services, which is part of the $1.7 trillion LGBTQ-owned businesses like Pucci’s Pharmacy contribute to the U.S. economy annually.
Hopkins and Hockman advised college-aged LGBTQ community members who were considering starting their own business to serve everyone, meet client expectations, and to not be afraid to show their support for the LGBTQ community in their advertising.
“I’ve had patients that aren’t LGBTQ but come to us because their family member is, and we support the community,” said Hopkins, who also served as the president of their local LGBTQ Chamber of Commerce during the pandemic shutdowns. “So, let people know you’re supportive and out there.”
Although the couple enjoys their down time cycling or relaxing over dinner and wine with family and friends, they stressed they don’t have as much free time as they would like to mentor students.
But they agreed they would make time for an enterprising “go-getter” who offers to intern with them by saying, “Here are the things I have learned through my education or experience, and here are some things I can do to help you.”
“We make local decisions and make a greater impact on our community,” Hopkins said. “We take a very strong interest in the lives of our team members. We look out for one another.”
They both welcomed the chance to see their business family continue to grow.
“And it does feel like a family environment,” Hopkins said.
Real Estate
Down payment strategies: Financing your home purchase
Understanding the options key to unlocking the door to a dream home
Navigating the path to homeownership can be a complex journey, especially when it comes to accumulating the necessary down payment. For members of our LGBTQ community, understanding the available options for saving and financing this crucial aspect of home buying is key to unlocking the door to their dream home. Let’s explore effective methods and resources specifically designed to support LGBTQ individuals on their path to homeownership.
Traditional Savings Strategies
Saving for a down payment often begins with traditional methods such as setting aside a portion of your income into a dedicated savings account. High-yield savings accounts and automated savings plans, some offering up to 5% interest in today’s market, can expedite the process, providing a disciplined approach to accumulate funds over time. Additionally, exploring investment opportunities that match your risk tolerance can offer potential growth for your down payment savings.
Down Payment Assistance Programs
A variety of down payment assistance programs exist to help homebuyers with their initial costs. These programs often offer grants or low-interest loans to first-time homebuyers or those who haven’t owned a home in the past three years.
It’s essential to speak with a GayRealEstate.com agent to determine what programs may be available, plus online research into local and state assistance programs, as many are designed to support individuals in specific communities, including the LGBTQ+ community.
For medical professionals, police, teachers, firefighters, and other community heroes, there are several special loan and assistance programs designed to help with home purchases, often offering benefits like down payment assistance, reduced closing costs, and more favorable loan terms.
The Hero Home Loan Program provides first responders, including police officers, firefighters, and paramedics, with benefits such as lower interest rates and reduced closing costs. This program aims to make homeownership more accessible by offering more flexible credit score requirements and down payment assistance .
For educators, firefighters, law enforcement officers, and medical professionals, the Everyday Hero Housing Assistance Fund (EHHAF) offers closing cost assistance through gift funds. This program is designed to support those who serve their communities by making homeownership more affordable, with no repayment required for the grant funds.
The HUD Good Neighbor Next Door Program offers up to 50% off the list price of homes for law enforcement officers, pre-Kindergarten through 12th-grade teachers, firefighters, and emergency medical technicians. This initiative aims to encourage community revitalization by assisting these professionals in homeownership within the communities they serve.
Homes for Heroes provides assistance specifically to first responders and offers significant savings through Hero Rewards when buying, selling, or refinancing a home. On average, participants save $3,000, with the program offering real estate and mortgage specialist connections tailored to the needs of first responders.
LGBTQ-Friendly Lending Options
Finding a lender that understands and supports the unique needs of our LGBTQ community can make a significant difference. Some lenders and organizations specialize in offering inclusive financial products and resources to assist LGBTQ+ homebuyers. These may include specialized mortgage products, financial planning services, and guidance through the home buying process.
The journey to homeownership is a milestone that requires careful planning and support. Remember, every step taken towards saving and financing your home purchase brings you closer to the dream of homeownership.
(GayRealEstate.com offers valuable resources and advice tailored to meet the unique needs of our LGBTQ+ community in their journey towards homeownership. For more comprehensive guidance and support in navigating the home buying process, visit GayRealEstate.com choose an agent and start a no-obligation conversation today.)
Jeff Hammerberg is founding CEO of Hammerberg & Associates, Inc. Reach him at [email protected].
Real Estate
Turn your bare walls into captivating focal points
Paint, wallpaper, statement installations and more
Are you tired of gray walls and white kitchen cabinets with white granite or marble countertops? Have you gone back to the “Builder Beige” that was popular in the ‘90s?
Your walls are the blank canvases of your home, waiting to be transformed into stunning expressions of your personality and style. Whether you prefer vibrant artwork, paint, eye-catching wallpaper, or statement walls, there are countless ways to adorn and decorate your walls to elevate your space. Here’s a guide to help you turn those bare walls into captivating focal points.
Wallpaper: Wallpaper has again become a versatile option for adding texture, pattern, and color to your walls. Whether you prefer subtle designs or bold prints, there’s a wallpaper to suit every taste.
It now even comes in peel and stick rolls, so you don’t have a mess of water and paste. For some new designs, check out www.spoonflower.com.
Before selecting wallpaper, consider the scale of your room and the atmosphere you want to create. For small spaces, opt for light, airy patterns to make the room feel more spacious. Conversely, in larger rooms, you can go bold with intricate designs or vibrant colors to make a statement. Don’t be afraid to mix and match wallpaper with paint, or even wallpaper the ceilings for a unique and dynamic look.
Statement Walls: Statement walls are a bold way to add personality and drama to any room. From accent paint colors to textured finishes, the possibilities are endless. Consider using a contrasting color or texture to highlight a specific wall and create visual interest. For a contemporary touch, try incorporating geometric patterns or asymmetrical designs with strips of wood. Hand-painted murals are another option for creating striking statement walls. Choose a mural that reflects your interests or transports you to another world for a truly immersive experience.
Paneling/Brick: The shiplap phase may be dying out, but there are still many ways to use wood and paneling in your wall décor. Reclaimed wood is a popular option, as are wood slats such as the ones found at www.woodpanelwalls.com. Use them on walls or ceilings, or as a background for wall-mounted televisions and sconces. Amazon also has lots of options for wood veneer available and exposed brick is popular in many contemporary homes. If you don’t have a brick wall to uncover, select from options such as lightweight faux brick or stone.
Artwork: Art has the power to breathe life into any room. When choosing artwork, consider pieces that resonate with you personally and complement your existing décor. Experiment with a mix of styles, sizes, and mediums to create visual interest. Hang artwork at eye level to ensure it is easily visible and balanced within the space. Enhance gallery walls by arranging multiple pieces in a cohesive layout. Remember that art is subjective, so whether you choose an inexpensive poster or a gallery quality painting, select pieces that speak to you.
Photo Displays: Showcase your favorite memories and moments with a curated photo display. Whether it’s a collection of family photos, travel snapshots, or artistic prints, arranging photos on your walls adds a personal touch to your space. Try out different frames, sizes, and layouts to create a gallery-style display that reflects your unique style. It makes a nice presentation on that odd wall going up your stairs.
Mirrors: Mirrors are not only functional but also serve as decorative accents that can enhance the visual appeal of any room. Strategically placing mirrors on your walls can create the illusion of space, brighten dark corners, and reflect natural light. Choose mirrors with interesting frames or shapes to add an extra layer of style to your décor. Try different sizes and arrangements to find the perfect balance between form and function.
Textile Hangings: Textile hangings are a bohemian-inspired alternative to traditional wall art. From tapestries to woven rugs, textile hangings add warmth, texture, and color to your walls. Hang a large tapestry behind your bed as a dramatic headboard alternative or layer smaller textiles with framed artwork for a cozy, eclectic look. Consider mixing and matching different textures and patterns to create visual depth and dimension.
Adorning and decorating your walls is a creative and personal process that allows you to infuse your space with personality and style. The key is to trust your instincts and have fun with the process. Use different techniques, colors, and textures until you find the perfect combination that speaks to you and transforms your walls into works of art. With a little imagination and creativity, you can turn any blank wall into a stunning focal point that reflects your unique taste and aesthetic.
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.
Real Estate
No, you really don’t have to put down 20 percent
There are many options when financing your new home
I was just out at brunch this weekend (I know a gay in D.C. at brunch — groundbreaking). Anyway, I was at brunch and naturally the subject of real estate came up and your boy’s ears perked up and as the resident real estate expert at the table, some of the newcomers were making conversation about some open houses they had been to in the past few weekends, some trends they had seen that they hated that developers seem to continually do in the D.C. area, how unaffordable things are and some comments about where the best areas to invest are in D.C. I just sat and listened while eating my food, which was rather under seasoned, but I digress. The one comment that came up several times that really got me was the affordability comment and what it was based around. It might very well shock you.
When we speak about affordability in the District we are typically speaking to the price of real estate and how expensive it is to purchase a place here in D.C. However, for this conversation – the affordability factor in particular that I was hearing about that piqued my interest was the specific line item of “we have to put down X as a down payment to purchase a home.” The consensus at this brunch table and even when speaking to some buyers on a daily basis is that you must put down 20% to purchase a home. While there are some perks to this, yes. The fact that you MUST put that amount down is just not true. When my parents purchased their first home for $60,000 it was much easier to put down 20% versus a first-time buyer in D.C. putting down 20% for a $600,000 purchase. Furthermore, most buyers are staying in their homes for as little as six years, according to the National Association of Realtors. If you do the math – does it make sense, for your personal situation, to put down 20% versus 5% or 10%? Yes, that’s right – you can purchase a home for as little as 5% down and in some cases as little as 3% down.
When my husband, who was a first-time homebuyer in D.C., purchased his condo, he was able to put down 3% and qualify for a conventional loan. We will stay in this condo for under the average 7-10 years so putting anything more than 3% down for our personal situation just didn’t make sense. Now, because we didn’t put 20% down we pay what is known as PMI, or private mortgage insurance, however it was still worthwhile for him to save the capital and only put the 3% down and pay the small PMI amount monthly as he could put the rest of the 17% he didn’t put into a house in an investment account to yield more. Again, he was a first-time buyer in the District so he qualified for a 3% down loan and the numbers made sense for him. Everyone’s personal situation is different.
According to a 2023 report from the National Association of Realtors the average down payment for a home was 15% while the average down payment when looking at first time buyers was right around 5%. Again, each situation is specific to each person, their credit, finances, debt to income ratio etc., so there is really no recipe that fits every single buyer. It is important to work with a local lender to ensure that you are well qualified and understand which loan packages are out there for you that make the most sense for you so that when you do find that home you are ready to go.
I say all of this to say that gone are the days when you are required to put down 20% in most cases. Depending on the loan type and loan amount – you likely can get away with putting down 5-15% down and save some funds for upgrading from that tragic Ikea dresser from college or hiring a painter because let’s be real, you are not a professional. Like with most things in life you can pick and choose the things that are right for you and a mortgage and its down payment are exactly that same. If you would like to and can put down 20% for a mortgage then please do so – however if you want to get out from under the power and money hungry landlord and buy a condo where you are paying yourself back with equity – you can do so in a manner that is much more affordable than you may have thought possible – especially if you are a first-time buyer in D.C.
Justin Noble is a Realtor with Sotheby’s international Realty licensed in D.C., Maryland, and Delaware for your DMV and Delaware Beach needs. Specializing in first-time homebuyers, development and new construction as well as estate sales, Justin is a well-versed agent, highly regarded, and provides white glove service at every price point. Reach him at 202-503-4243, [email protected] or BurnsandNoble.com.
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