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The Importance of Offering Inclusive Family Planning Benefits

How one company helped two dads create their family.

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JPMorgan Chase employee Don Jackson (far right) with his husband, Chris, and their two daughters.

Don Jackson has worked for JPMorgan Chase for more than 30 years. He attributes this longevity in large part to the companyā€™s long-standing support of the LGBTQ+ community. 

When Jackson and his husband were looking to adopt in 2008, and then again in 2009, the firm helped them navigate the complex process and legal requirements. Given the cost of family planning, finances were also a big concern. 

ā€œWe had tons of support from family and friends, and thankfully from JPMorgan Chase,ā€ said Jackson, a senior leader in Chaseā€™s Home Lending business. ā€œBut outside of that, we were on own.

ā€œKnowing JPMorgan Chase was willing to subsidize many of our expenses toward adoption took a lot of the stress out of our situation. We had enough stress in other aspects, but it meant everything to us to place some of the financial stress to the side.ā€

A supportive environment

JPMorgan Chase has been at the forefront of LGBTQ+ workplace inclusion for decades. This year marks the 21st year in a row that JPMorgan Chase has scored a perfect 100 on the Human Rights Campaignā€™s annual Corporate Equality Index. The firm is one of only a few companies to receive a perfect score every year since the CEIā€™s inception. 

As one of the first Wall Street firms to offer same-sex partner benefits in the U.S., JPMorgan Chase continues to provide a wide range of LGBTQ+ inclusive benefits for employees in the U.S. This includes comprehensive health care, insurance and wellness support, family planning, and transgender healthcare coverage. 

Beyond inclusive benefits, JPMorgan Chase has established networks of support for employees to connect with one another and access opportunities to grow and advance in their careers. 

The companyā€™s PRIDE Business Resource Group has more than 37,000 employee members across 39 countries. PRIDE hosts events and delivers personal development opportunities for LGBTQ+ employees and their allies. Other support networks for LGBTQ+ employees and their families include a Bi+ Council, Gender Expansive Council, Allies Council and LGBTQ+ Families Community. 

For Jackson and his family, the LGBTQ+ Families Community has been pivotal. The group provides support and resources for parents, caregivers, and family members of LGBTQ+ children, as well as LGBTQ+ employees who are parents or are looking to build their families. 

ā€œWhat Iā€™ve always been most proud of throughout my 30 years [working here], is the support and guidance Iā€™ve received across all levels and teams,ā€ Jackson said. ā€œI have never once hidden a single detail of my family, and Iā€™m constantly amazed at how everyone accepts us.ā€

Culture comes first

In 2022, JPMorgan Chase enhanced benefits for employees enrolled in the U.S. medical plan to include more robust gender affirming healthcare. The firm also increased family-building benefits and created a dedicated LGBTQ+ health concierge service, powered by Included Health. 

Brad Baumoel, JPMorgan Chaseā€™s global head of LGBTQ+ Affairs, says this commitment to LGBTQ+ inclusive benefits goes beyond just checking boxes. 

ā€œThese resources actually create a workplace culture where all employees feel valued, respected, and are able to bring their authentic selves to work,ā€ Baumoel said. ā€œThis in turn fosters a sense of belonging, which has a profound impact on employee satisfaction, productivity and overall well-being.ā€

For the LGBTQ+ workforce, knowing your employer has your back can alleviate the stress and anxiety associated with potential discrimination or bias, Baumoel said. ā€œIt allows you to focus on your work and thrive in your career.ā€ 

Visit JPMorgan Chaseā€™s website to learn more about the firmā€™s commitment to the LGBTQ+ community.

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Real Estate

Yes, there are other coastal Delaware towns besides Rehoboth

Explore Bethany, Ocean View, Milton for more affordable options

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World War II watch towers dot the Delaware coastal landscape outside of Rehoboth. (Photo by Ethan Bean)

Often when we Washingtonians think of Delaware we think of Rehoboth Beach only. Well, believe it or not, there are actually other coastal towns besides Rehoboth ā€” even some that are being taken over by gay buyers. Although you wonā€™t find anything quite like Rehoboth, there are other options out there when looking for something perhaps a bit more affordable than Rehoboth within close proximity to all that Rehoboth has to offer.

The first option would be to look a bit farther inland. There are great condo options a bit inland from Rehoboth that will afford you some more space and are more economically priced. These options are usually a closer commute to those of us heading to the beach from D.C. Think of those condos you pass along Route 1 near the outlets ā€“ still having a Rehoboth address, but not the asking price of in-town Rehoboth. 

Let’s take a look at coastal towns that are outside of Rehoboth. Let me preface this by saying that I am a Delawarian. Born and raised in a real estate centric family with deep roots in Delaware. My grandfather always said, ā€œBuy as close to the water as they wonā€™t make more of it.ā€ Obviously he was kind of wrong, because they make these hideous man-made retention pond, but of course he was speaking about the ocean and bay. No matter what coastal town I speak about in this article, they will be costly. It is just a fact. There are some options, however, that are priced a bit better than others.

Bethany Beach, for example. I know, itā€™s a bit sleepy and considered ā€œfamily friendly,ā€ however it is also priced better than Rehoboth. I am biased because that’s where I hang my hat and itā€™s a quick drive or Uber to Rehoboth for a night out or day at Poodle Beach. I also enjoy the fact that I have oodles of friends who have boats and have easy access to the bay for kayaking and afternoons out on the boats for happy hours. Thereā€™s nothing better than watching the sunset on the bay in a boat with a glass of rosĆ©, something easily done with the access points from the Bethany Beach area.

Another coastal town that is on the opposite side of the state is Broadkill Beach. If you have ever visited the Outer Banks, this is the Outer Banks of Delaware. Broadkill Beach is technically in Milton, Del., and is a smaller beach community with essentially one road in and out providing a very exclusive feel for residents. The beaches are not like those of Rehoboth, Dewey, Bethany, or Fenwick. There is no boardwalk, no tourist attractions, little commercial development, etc. You literally go here for the beach, rest, and relaxation. Peace and quiet ā€” the polar opposite from what Rehoboth provides.

Lastly, there are always quaint inland towns that offer respite from the beach but allow a quick drive to the sand. Some of my favorites are the town of Milton, which is a quick drive to Lewes beach. Milton provides a charming downtown area with shops, restaurants, coffeeshops, a lively arts district, and more. Truly a once upon a time sleepy town that in the past few years has woken up ā€“ it still retains its charm and character. Some of my favorite restaurants and shops are here. A quick drive takes you to the beaches of Lewes and also the town of Lewes, which is equally charming.

My next favorite coastal town ā€“ again ā€“ because I am biased ā€“ is Ocean View, which is a town outside of Bethany Beach. This town is more spread out, however it offers lots of restaurants, coffeeshops, Delaware State parks and this side of the Indian River Bridge, you gain easy access to the bay, which truly changes your way of life.

The next time you are at the beach, take time from kikā€™ing at Aqua or Poodle Beach and spend some time exploring the quaint town of Milton or drive along scenic Route 1 south to Bethany Beach to see what other coastal towns Delaware has to offer outside of Rehoboth that might be a more economical option in making your beach home a reality. I promise that a second home at the Delaware beaches is more within reach than you may think.

Justin Noble is a Realtor with Sothebyā€™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 provides white glove service at every price point. Reach him at 202-503-4243,Ā  [email protected] or BurnsandNoble.com.

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Real Estate

Summer means time for annual maintenance

ā€˜Gonna turn this house around somehowā€™

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Spring and summer mean itā€™s time to freshen up your landscaping and curb appeal.

Itā€™s almost summer! The last days of school are here, people are getting ready to wear their swimsuits again, and suddenly BBQ sauce is front and center on all the aisles at the grocery store. What does that mean for all the homeowners out there? It means a bit of yearly maintenance.  

Summer maintenance checklist:

  • Check gutters and clean downspouts. The summer storms can knock a lot of branches and leaves around.
  • Have the HVAC serviced if you havenā€™t already.Ā  A good rule of thumb is after winter, and again after summer.Ā 
  • Itā€™s time to trim back bushes and trees away from power lines.Ā 
  • Wash windows and replace the window screens.
  • Reverse the ceiling fans so that it pushes the cool air downward.Ā  You want them to spin counter-clockwise.
  • Clean the garbage disposal and the dishwasher.Ā  You can add a cup or two of vinegar to the dishwasher and run a low wash cycle. Ā 
  • Clean baseboards.
  • Test smoke and carbon monoxide detectors ā€“ replace batteries as needed.
  • Check outdoor hoses and appliance hoses ā€“ refrigerators, dishwashers, etc. for any leaks or cracks. Ā 
  • Freshen up your yard, porch or deck spaces. A quick trip to a hardware or a garden center can help you liven up any outdoor space and get it ready for entertaining.Ā  Donā€™t forget the citronella candles and bug spray.
  • Power wash decks and driveways.
  • Clean and scrub any grills. Check any hoses and connections for gas grills. Ā 
  • Get a dehumidifier for any musty basement spaces, clean it up and plug it in.
  • Check seals on washers and dryers, and wipe down with an all-purpose cleaner.

Spending a little time and energy on your home – one of the biggest investments you will make, can help you to improve its resale value and optimize the enjoyment of your purchase.  Spring and summer can also be time to tackle those larger projects such as cleaning out a garage, a closet, or a spare bedroom.  

As someone who just moved after 10 years in the same building last year, I can speak to the level of freedom one feels after taking old appliances to Goodwill, finally selling that table or those chairs online, and hauling out bags and bags of trash. Do yourself a favor and clean it all up. You will be so happy you did when itā€™s finally done, and it can give you a sense of new beginnings.  

How might you use that extra space after you clean it up? Who knows, thereā€™s only one way to find out. Need a little motivation to get all these projects done?  Donā€™t forget to find your favorite summer playlist, or even put on a Gay Pride Playlist. You could even recreate your favorite scene from ā€œSaltburnā€ and dance around naked in your newly cleaned home when you are done. 

Joseph Hudson is a referral agent with Metro Referrals. Reach him at [email protected] or 703-587-0597.

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Real Estate

What property should I purchase if Iā€™m not sure how long Iā€™ll be in D.C.?

Row homes, English basements and more options abound

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D.C. offers an array of properties no matter how long you plan to live here.

Great question! If you are looking at real estate as an investment ā€“ two great property types to look at would be a smaller row home and also a row home that has an English basement. Some property types that you might want to stay away from would be a condo or a co-op unit. Letā€™s take a look at why these properties would be good and bad:

Smaller Row Home

Row homes are a great investment for many reasons. You can often find smaller two-bedroom row homes in the same price point as those of a two-bedroom condo, which might be seen as a ā€œcondo alternativeā€ and afford you much more freedom. There are no condo associations or home owner associations that you must belong to so this keeps your monthly carrying costs on the lower end and you are allowed to make more independent decisions. For example, if you wanted to paint the house purple – in most cases you would be allowed to. If you wanted to change the color of the front door or put shutters on the windows ā€“ you would be allowed to. This is usually not the case with condo or co-ops. 

When it comes to the rental market ā€“ similarly renters like the independence of privacy in a home and not being among many other people. The luxury of perhaps direct off-street parking, outdoor space or even just more space at the same rental amount that a two bedroom condo rent would be ā€“ this is more appealing for a renter and would likely rent faster than that of a condo or co-op. For this model – you would obviously need to move out before you could take advantage of the investment of this type of real estate.

A row home with an English basement 

With this type of real estate you can immediately begin receiving income after your purchase. You can occupy the upstairs of the row home, which is usually the larger portion of the home, or you could even occupy the basement, which is usually the 1-2 bedroom smaller portion of the home and receive rental income for the other half of the home. This can be in the way of a yearly traditional tenant or in the manner of short-term rentals (check with the most recent STR policies within the District). With this model, you stand to make even more of a return on your investment upon your move out of the home as you can rent the entire home or you can rent the top unit and basement unit independently to gross a larger amount of income. It is important to note that it is never advised to purchase a row home unless you can fully afford it WITHOUT the idea of accepting additional rental income to offset the mortgage cost.

These two options listed above are the most typical found within the District because they are fee simple, standalone pieces of real estate and are not within a condo association, HOA, or a co-op with governing documents that tell you what you can and cannot do which makes row homes an attractive type of real estate for a long-term hold.

When looking at types of properties that you might want to stay away from ā€“ condos and co-ops come to mind and I say this with a caveat. You can surely purchase these types of real estate but must first understand the inā€™s and outā€™s of their governing documents. Condos are bound by the governing condominium documents which will tell you for how long your lease must be, a minimum of lease days, you can only rent after you have lived in the residence for a number of years, likely will stipulate no transient housing ā€“ which means no short term rentals. It could also quite possibly say that you can only rent for a specific amount of time and lastly it will also stipulate that only a specific amount of people can rent at one time in order to stay below the regulated lending requirements set forth by Fannie and Freddie Mac. Similarly, Co-ops are even more strict ā€“ they can tell you that you are just not able to rent at all or if you can you can only do so for a specific number of years and then you are required to sell or return back to the unit as your primary residence. 

As you can see, when it comes to condos and co-ops there are more specific and stringent bylaws that owners must agree to and follow that limit or even outlaw your ability to rent your piece of real estate. When you purchase a row home ā€“ there are no regulations on what you can and cannot do regarding rentals (outside of the short-term regulations within the District).

When looking for a piece of real estate in the District it is important to think through how long you could possibly wish to hold onto this property and what the future holds. If you think this is a long-term hold then you might consider a row home option ā€“ again, you can find a smaller two-bedroom row home that amounts to that price similar to a two-bedroom condo and would afford you a more flexible lifestyle. Itā€™s important to work with a real estate agent to ensure that they guide you in this process and help answer any questions you might have. Itā€™s also always advised to speak directly to a short-term rental specialist should you wish to go down that route as they will truly understand the inā€™s and outā€™s of that marketplace.

All in all, there are specific property types that work for everyone and within the District we have a plethora of options for everyone.

Justin Noble is a Realtor with Sothebyā€™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 provides white glove service at every price point. Reach him at 202-503-4243,Ā  [email protected] or BurnsandNoble.com.

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