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.
Did you melt like the Wicked Witch of the West this week?
As summer temperatures rise, keeping your home or apartment cool during a heat wave can become both a comfort issue and a financial challenge. One of the most effective ways to keep a home cool is to prevent heat from entering in the first place. Sunlight streaming through windows can significantly raise indoor temperatures. Consider the following solutions:
• Close blinds or curtains during the hottest parts of the day. Blackout curtains or thermal drapes can reduce heat gain by up to 30%.
• Install reflective window films to block UV rays and reduce solar heat without sacrificing natural light.
• Use outdoor shading solutions such as awnings (yes, the ones you removed because they were “dated”) and shutters to limit direct sunlight.
Fans are a cost-effective way to circulate air and create a wind-chill effect that makes rooms feel cooler.
• Ceiling fans should rotate counterclockwise in the summer to push cool air down.
• Box fans or oscillating fans can be placed near windows to pull in cooler evening air or push hot air out.
• Create a cross-breeze by opening windows on opposite sides of your home and positioning fans to direct airflow through the space.
• For an extra cooling effect, place a bowl of ice or a frozen water bottle in front of a fan to circulate chilled air.
To optimize natural ventilation, open windows early in the morning or late in the evening when outdoor temperatures drop. This allows cooler air to flow in and helps ventilate heat that built up during the day.
Appliances and electronics generate a surprising amount of heat. To reduce indoor temperatures:
• Avoid using the oven or stove during the day; opt for no-cook meals, microwave cooking, or grilling outside.
• Run heat-producing appliances like dishwashers and clothes dryers in the early morning or late evening.
• Unplug electronics when not in use, as even standby power can add heat to your space.
• Switching to energy-efficient LED lightbulbs can also reduce ambient heat compared to incandescent lighting.
If you do use an air conditioner, maximize its effectiveness by:
• Setting it to a reasonable temperature—around 76–78°F when you’re home and higher when you’re away.
• Cleaning or replacing filters regularly to maintain airflow and efficiency.
• Sealing gaps around doors and windows to prevent cool air from escaping. (Didn’t we all have a parent who said, “Close the door. You’re letting all the cool out?”)
• Using a programmable thermostat to optimize cooling schedules and reduce energy use.
If it is not cost-prohibitive, adding insulation in attics and walls can greatly reduce heat transfer. Solar panels that reflect heat can also help, as well as offset the cost of their installation. Adding weatherstripping around doors and windows, sealing cracks, and using door sweeps can make a significant difference in keeping heat out and cool air in.
Natural and eco-conscious methods can also help cool your home.
• Snake plants, ferns, or rubber trees can improve air quality and slightly cool the air through transpiration.
• White or reflective roof paint can reduce roof temperatures significantly.
• Cooling mats or bedding can make sleeping more comfortable without cranking up the A/C.
For renters or those who can’t make permanent modifications, there are still plenty of ways to keep cool.
• Use portable fans and A/C units instead of built-in systems, making sure they are the correct size for your space.
• Removable window film or static cling tinting can reflect heat without violating your lease.
• Install tension rod curtains or temporary blackout panels instead of hardware-mounted window coverings.
• Add draft blockers and weatherstripping tape that can be applied and removed without damage.
• Cover floors with light-colored rugs to reflect heat rather than absorb it.
• If allowed, use temporary adhesive hooks to hang reflective materials or light-filtering fabrics over windows.
Even if your space is warm, you can still take steps to help your body stay cool.
• Wear light, breathable fabrics like cotton or linen.
• Stay hydrated and avoid caffeine or alcohol during peak heat hours.
• Take cool showers or use damp cloths on your neck and wrists to bring your body temperature down.
Keeping your home or apartment cool in the summer doesn’t have to be expensive or energy-intensive. With a few adjustments such as blocking sunlight, optimizing airflow, using fans effectively, and making renter-friendly upgrades, you can create a more comfortable indoor environment while keeping energy bills in check.
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 DCHomeQuest.com, or follow her on Facebook at TheRealst8ofAffairs.
Real Estate
The world’s on fire and D.C. is on sale (sort of)
Prices are up, but then again, nothing makes sense anymore
ICE is disappearing people, revered government agencies are shuttering, and who knows if we’ll be in World War III next week? But can you believe prices in D.C. are actually still up 6.3% since last year? It doesn’t make sense, and perhaps that does make sense, because nothing seems to make any sense any more.
That said, there are some parts of our market that are truly suffering. The interest rates, which have been up, up, up for about four years now, are the ongoing rain on our market’s military parade. Combine that with 75,000 federal employees taking a buyout nationwide, and DOGE cuts eliminating around 40,000 federal jobs in the District (per estimates by the D.C. CFO), not to mention thousands of other job losses in non-governmental organizations due to funding and program cuts, and you’ve got a case of uncertainty, and downright unaffordability in the pool of otherwise would-be buyers.
This has had a marked impact on properties that starter-home buyers and low- to mid-level employees would otherwise buy, most notably condominium and cooperative apartment units. These properties have already slowed in our market thanks to the profound impact that higher interest rates have had on their monthly carrying costs—pair that with job insecurity, and a lot of condos are proving to be very difficult to sell indeed.
So how is the average sale price up in our market?
The increase is almost entirely due to the resounding strength of the single-family home market, especially in upper Northwest D.C., where it is still quite common to see bidding wars, even on properties pushing past the $3M mark. It seems that buyers in that echelon are less impacted by a few percentage points in the interest rate, and less concerned about their job security. Notably, those buyers are often married with children and have an absolute need for more space, must stay in the area due to one spouse’s job, or the kid’s friend group, regardless of whether the cost of owning is thousands of dollars more per month than it would have been in 2020 or 2021. The continued appreciation in these neighborhoods defies imagination.
So, what to do if you are not one of those lucky enough to be shopping for a $3M home? The short answer: wait. If you want more space, rent your current place out and learn the joys of being a landlord while someone else pays your mortgage. Need the equity from your current home to buy your next place? Get a home equity line of credit, or loan, and pull the equity out of your current place to buy the next one. Or—and I have never recommended this before in 21 years of being a Realtor—rent for a few years. Sure, I’d love to list and sell your condo so you can climb the real estate ladder, but it might just be a waste of time, money or both if you could just ride out this storm and sell in a DOGE-less future.
All this said, there are some condos that seem to be immune from this recent negative news. Anecdotally, it feels like it’s the truly special ones that do just fine no matter the market. Our recent listing in Capitol Hill had a view from every one of its 15 windows of the Supreme Court. Sold in five days with six offers. Another condo was on the top two floors of a townhouse and had the coolest black wood floors that gleamed like a grand piano. Sold in four days at full price.
So, all is not for naught if you have a condo or home in an area that people want to be in, with nice space, light, amenities and a certain je ne sais quois. And, as long as we have a democracy in a few years, my experience says our market will be back, stronger than ever, really soon.
David Bediz is a Realtor and mortgage loan broker for the Bediz Group LLC and Home Starts Here, LLC. Reach him at [email protected].
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
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].
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