Category: Brandpoint Home & Garden

2025-09-03T08:01:00

(BPT) – Your dream deck deserves expert craftsmanship. From the foundation to the finishing touches, there are many steps to consider. If you’re an experienced DIYer, you might tackle the project yourself. But the vast majority of homeowners will hire a pro to take your deck from concept to completion. To help you find the perfect pro for your project, the outdoor living experts at Trex recommend following six important steps.

1: Ask your neighbors

Tap your circle of friends, family and neighbors for referrals. Their firsthand experiences can help narrow your search. You can also get recommendations from local lumberyards, home centers and other decking materials suppliers.

2: Research experts online

Explore online directories and review contractor websites to compile a short list of prospective candidates. Look up reviews and ratings on platforms like Google, Yelp and HomeAdvisor, and check out their social media channels to get a sense of their projects and personalities.

3: Find a builder proficient with the materials you want to use

There is a wide range of decking materials — wood, composite, PVC, aluminum — and each comes with its own set of installation requirements and nuanced intricacies. Look for builders experienced in working with your preferred material. For instance, TrexPro^® contractors are trained in building with composite decking. To find these professionals in your area, use the “Find a Builder” tool on Trex.com.

4: Vet prospects

Meet with several builders before booking to ensure you find one that is not only skilled but who also instills confidence and comfort. Pay attention to how quickly they return calls and answer emails. Ask targeted questions about their process and expertise. Trex offers a helpful guide for gathering bids that includes advice on what to ask a deck builder. Clear communication is critical. If a contractor seems reluctant to thoroughly explain their process, that’s a potential red flag.

5: Confirm contractor credibility

Make sure the builder you choose is licensed and carries the proper insurance to protect your home and the people in it. It’s also a good idea to reach out to previous clients to learn about their experiences. Ask questions like: Would you hire this builder again? Did you feel they listened to you throughout your project? Describe any difficulties or surprises along the way and how they were addressed. Was the job completed on time and on budget to your satisfaction?

6: Compare contractor estimates

Get written estimates from multiple contractors. Make sure they clearly outline the full scope of work and costs. You can never have too much information. Contractors with the most comprehensive estimates often understand how to avoid issues down the road. And remember, the least expensive bid is not always the best value.

For more tips on how to find the right deck builder for your project, visit Trex.com.

2025-08-29T12:03:00

(BPT) – Tankless electric water heaters are transforming the way households experience hot water by offering energy-efficient, space-saving solutions that deliver heated water on demand. These compact units can be up to 98% smaller than traditional storage water heaters. They may be installed in tight spaces or even mounted to a wall, freeing up valuable space while reducing energy consumption.

Selecting the right model requires preparation and research. Homeowners should consider key elements of their home’s design, including the number of occupants, bathrooms and hot water appliances — paired with overall water usage — to ensure the correct tankless electric water heater is installed.

Tip 1: Estimate household hot water demand

A critical first step is properly estimating the household’s hot water demand. A tankless electric water heater’s flow rate, measured in gallons per minute (GPM), determines its size. Calculating how many hot water GPMs the household typically uses is essential and is done by adding up the flow rates of fixtures, such as faucets and showers, that run at the same time.

After determining the GPM required to meet all the household’s simultaneous needs, the homeowner can choose the right size tankless electric water heater. For example, if someone uses the shower while two faucets are running, the home will need a tankless electric water heater with at least a 5 GPM capacity.

See infographic for an overview of product usage, sizing and geographic zones.

Another important consideration is the number of bathrooms and typical usage patterns of occupants. Larger families or homes with multiple bathrooms may require a higher-capacity unit, whereas smaller households can often rely on a more compact solution. For example, the Rheem RTEX and EcoSmart models under the Rheem^® family of brands cater to a wide range of needs, from point-of-use (POU) units for single fixtures, to whole-home options designed to handle multiple fixtures concurrently.

Tip 2: Factor in regional climate

Groundwater temperatures vary across the country. In northern regions of the U.S., which tend to be colder, the ground water is also colder. This means that a higher temperature rise (difference between the ground water temperature and the desired output water temperature) is required compared to warmer southern areas.

For example, in southern areas where the groundwater temperature is 62° F, to reach a desired output water temperature of 105° F, the temperature rise would be 43° F. Whereas, in northern regions, if the groundwater temperature is 40° F to reach 105° F, the temperature rise is much higher at 65° F. The unit has to work harder to achieve this temperature.

For this reason, certain models will work well in southern climates, but a similar household in a northern region may need a larger tankless electric water heater to achieve the degree rise needed to meet household hot water requirements.

Tip 3: Account for water temperature and flow rate

Water temperature and flow rate are equally crucial when determining the appropriate tankless electric water heater size. Higher flow rates demand more powerful models to maintain consistent hot water output. Some residences may be accommodated by one whole-home unit, while others may require multiple point-of-use systems.

Tip 4: Evaluate electrical capacity

The home’s electrical capacity is another essential consideration when selecting a tankless electric water heater. For most homes, the average available amp service is either 100-, 200-, or 300-amps. While a 200-amp service panel typically suffices for average households, new construction, larger homes and high-demand systems may require a higher 300-amp service panel. Additionally, older homes with lower amp service may require an electric panel upgrade to meet the needs of a tankless electric water heater.

Higher-capacity tankless electric water heaters require more power, so be sure to assess the capability of the home’s electric service panel to accommodate additional circuit breakers before installation. Consult a licensed electrician or contractor to evaluate the home, circuit breaker size and wiring gauge to ensure the service panel can handle the load, prevent overloads and ensure a safe, efficient operation.

There are many benefits to tankless electric water heaters, including the ease of installation. Tankless electric models simplify installation by eliminating the need for venting, but sizing is key. If the unit is undersized, it may not fully meet demand during simultaneous water use. An oversized unit can lead to unnecessary energy consumption and higher utility costs.

Follow these tips and use a manufacturer’s guide, such as Rheem’s online sizing resource, to confidently select a tankless electric water heater model, then work with a professional to guarantee a safe and efficient installation for endless hot water and energy-efficient operation.

2025-08-28T08:01:00

(BPT) – Your phone can control your thermostat, your fridge sends you grocery alerts … but your toilet? Still stuck in 1995. It’s time for an upgrade — and no, it doesn’t involve knocking down any walls. Bringing your bathroom into the 21st century and adding a touch of luxury to your experience doesn’t take a $25,000 remodel — just one smart addition.

If it feels like bidets are suddenly everywhere, you’re not imagining it. While bidets are common in Europe and Asia, and they’re even legally required in most Italian homes, many Americans don’t know what a bidet looks like. But that has been changing quickly in recent years. Through online reviews and social media buzz, more people are discovering that using a stream of water instead of just toilet paper isn’t strange — it’s smart.

Whether you’re bidet-curious or still skeptical, this guide will break down the basics — what a bidet does, why it’s catching on across the U.S. and how modern bidet seats like Coway’s Bidetmega 400S and 500S are changing the way people think about personal hygiene.

What exactly is a bidet, and how does it work?

A bidet is a bathroom fixture or toilet attachment for cleansing. It sprays a stream of water for cleansing after you go to the bathroom, not unlike a water fountain. The name comes from an old French word that meant “pony,” since users of the original bidets had to straddle the device in a way that looked a bit like riding a horse.

While traditional bidets resembled low sinks that sat next to toilets, modern bidets are much more integrated and technologically advanced. Today’s electric bidet seats have come a long way from the French pony days, and they can be easily added to the toilet you already have. Now, a bidet seat attaches to your toilet and connects directly to your home’s fresh water supply through a simple T-valve, which ensures that the water it sprays is separate from that of the toilet bowl.

Why is a bidet a must-have amenity?

A bidet not only elevates your bathroom design, but it also provides physical, financial and sanitary benefits. Bidets improve health and wellness because they’re more hygienic than the alternative. Bidets can also help people with mobility issues due to aging or physical disabilities, or temporary challenges that occur postpartum or after surgery. Homeowners love that bidets prevent common plumbing problems caused by flushing lots of toilet paper or wipes.

Does using a bidet feel different from wiping with toilet paper alone?

Using a bidet is a gentle and refreshing experience that only takes a few seconds. You can still use a bit of toilet paper, though some bidets even have air dryers.

Modern electric bidet seats are specifically designed with your comfort in mind, with tech-driven features and adjustable settings that enable you to personalize your experience. Coway’s Bidetmega 400S and Bidetmega 500S, for example, feature a three-stage wash that automatically varies the angles and water pressure to remove residue, plus customizable user profiles with memory settings that remember your preferences.

Are bidets safe and hygienic?

Bidets are very safe and incredibly hygienic. The water they spray comes from the same clean source as the water you use to brush your teeth or wash your face. Keeping a bidet clean can also be very simple. Many of the latest bidets are designed with hygienic features like a self-cleaning nozzle, antimicrobial materials and coatings, and germ-killing UV lights.

Do I need to hire a pricey plumber to install a bidet?

Bidet seats are easy to install directly onto your existing toilet. Just measure your toilet to determine if it is elongated or round, then match your bidet to that shape. You only need basic tools and about 30 minutes — no plumber necessary. Upgrading your bathroom has never been simpler!

What cutting-edge features do the most technologically advanced bidets have these days?

Today’s smart bidets don’t just clean you — they clean themselves, adapt to your comfort, save energy and improve safety, compared to basic or old-school models. Coway’s most advanced Bidetmega models include features that provide a more hygienic, personalized, convenient and eco-friendly user experience than the average bidet.

For those who prioritize cleanliness and hygiene:

• The auto-cleaning nozzle and bacteria-eliminating UV light, plus WaterShield™ misting spray, prevent toilet bowl germs
• Integrated carbon deodorizer and auto-close lid contain air particles

For those who value personalized comfort:

• Three-stage gentle wash setting with i-wave technology allows for customized water pressure, motion and spray patterns
• Adjustable nozzle position, seat warmth, built-in dryer, water temperature and water pressure offer unparalleled comfort
• User profiles save your personalized settings

For those who seek practical convenience:

• Nightlight for easy midnight bathroom visits
• Wireless remote with docking station or wall mount for convenience
• Tankless design instantly heats only the water you need, with no waste
• Eco Mode reduces energy use when idle and decreases seat temperature to prevent overheating

Treat yourself to the modern bathroom upgrade you deserve. To learn more about bidets, discover the latest features and find out why so many Americans are finally joining the bidet bandwagon, visit https://cowaymega.com/pages/bidets.

2025-08-22T08:57:01

(BPT) – There’s still plenty of summer left to enjoy! It’s also the perfect season to refresh your space and take on a few home improvement projects. With longer days and warmer weather, it’s a great time to roll up your sleeves and get things done around the house. From quick touch-ups to small but mighty upgrades, these five tasks will have your home looking and feeling brand new in no time:

Touch Up Walls

As time goes on, walls can show signs of wear, from small dents to nail holes. Restore them to their former glory by patching holes and imperfections with DAP DryDex^® Nail Hole Filler, now available in a convenient 1-fluid-ounce tube as part of the DAP On-The-Go line. This spackling goes on pink and dries white, indicating when it’s ready to be sanded and painted. Finish with a fresh coat of paint for a crisp, clean look.

Re-Caulk Windows & Doors

Temperature changes and seasonal shifts can cause caulk to crack or shrink, leading to energy loss. Improve insulation and boost energy efficiency by sealing gaps and cracks around windows and doors with DAP ALEX Plus^® All-Purpose Caulk. Available in a 2.8-fluid-ounce “On-The-Go” size, this high-quality, flexible caulk is perfect for all your touch-ups around the house and ensures a tight seal to keep your home comfortable and energy costs down.

Refresh Your Outdoor Space

Take some time to spruce up your outdoor areas. Sweep patios and decks, power-wash walkways and clean outdoor furniture to create a welcoming space for relaxing and entertaining. Consider adding potted plants or updating outdoor décor for a fresh, inviting look.

Fix Broken Items

Summer is the perfect time to fix those little things around the house that you’ve been putting off. Use DAP RapidFuse^® Flex Gel Super Glue to quickly and securely repair tears on outdoor umbrellas or patio cushions, broken shoe soles, backpack straps, or ripped leather on furniture. With its fast-setting and durable bond, you can extend the life of your favorite household items in just minutes.

Upgrade Cabinet Hardware

Refresh your kitchen or bathroom cabinets by swapping out old knobs and pulls for modern hardware. This quick and affordable update instantly enhances the look of your cabinetry, giving your space a stylish, upgraded feel.

With these simple yet effective projects, you can rejuvenate your home and enjoy the rest of summer. For more home improvement tips and products, visit dap.com.

2025-08-20T10:29:00

(BPT) – In the world of automotive repair, speed, precision, and tool reliability isn’t just nice to have — it’s a non-negotiable. Whether you’re a pro in a fast-paced shop or an enthusiast working in your home garage, the right tool can mean the difference between a simple task and a time-consuming struggle.

toolant — a brand that values feedback from mechanics, detailers, and technicians — has just released two tools engineered specifically for high-performance automotive environments: the toolant 10-inch Plier Wrench and the 3/8″ Drive Compact Flex Head Ratchet Wrench. These aren’t just upgrades — they’re problem-solvers.

A smarter alternative to the adjustable wrench

If you’re still fumbling with bulky adjustable wrenches for fittings, clamps, or flare nuts, toolant’s Plier Wrench is the ultimate upgrade. Designed with a fast push-button adjustment mechanism and 2-inch (52 mm) jaw capacity, it locks onto fasteners with speed and precision — no slipping, no rounding, no repositioning.

With smooth, parallel jaws and a CR-V steel build, the Plier Wrench gives a firm, damage-free grip on delicate surfaces like polished fittings or anodized parts. The 10:1 leverage ratio means less hand strain during repetitive tasks like tightening hose clamps or fitting brake lines. Whether you’re under the hood or under the car, this tool replaces multiple wrenches and saves time with each turn.

Big power in tight spaces

The toolant Compact Drive Flex Head Ratchet Wrench was built to reach the most difficult spaces — and it delivers. Featuring one of the smallest heads in its class (3/8″ drive packed into a 1/4″ body), it’s perfect for working in the smallest of spaces.

A 90-tooth gear system gives you a tight 4-degree swing arc, ideal for restricted spaces. The 11-position locking flex head lets you lock in the perfect angle for the job, and the long ergonomic handle gives you the leverage you need without compromising access.

Engineered to outlast the job

Durability is built in with a lifetime guarantee — making tools you can count on for the long haul. The ratchet wrench exceeds ASME (American industry standards) torque standards by 1.5x and is tested to withstand over 75,000 cycles — more than enough for the day-in, day-out demands of a working technician.

Made with mechanics in mind

toolant designs tools based on feedback from pros in the field, and it shows. The Plier Wrench and Flex Head Ratchet join a lineup of trusted gear built for real-world functionality.

Where to buy

Both tools are available now on Amazon:

• toolant 10-inch Plier Wrench
• toolant 3/8″ Drive Compact Flex Head Ratchet
  

Whether you’re working on the job or building your dream car, these tools are built to help you get it done — faster and smarter.

To learn more, visit toolant’s product lineup on Amazon.

2025-08-18T14:31:00

(BPT) – Today, kitchens that incorporate design elements from famed architects go far beyond the latest trends. They draw on key principles of balance, proportion and integrity to create spaces that feel luxurious and enduring. Every detail, from faucet finishes to cabinet silhouettes, plays an important role in shaping the overall space. Homeowners are seeking a mix of beauty and function, turning to the outdoors for inspiration.

Designing with structure in mind

Designers are inspired by architectural philosophies, coupled with cues from nature to create visually unique spaces. Geometric shapes and strategic focal points shape the kitchen’s experience, directing flow and rhythm. The Frank Lloyd Wright^® Kitchen Collection by Brizo^®, embodies these principles with its rounded and squared arch spouts, asymmetrical designs and clean lines, coupled with a wide choice of natural materials. Wood, glass, black onyx and concrete effortlessly combine to create a statement look.

Embracing unique materials

Emphasizing organic architecture demands quality materials to create cohesive, inviting kitchens that blend indoor and outdoor elegance. These elements serve not only as structural features, but as sources of inspiration that inform design choices around flooring, appliances and fixtures. By introducing expressive, tactile materials, designers are creating unexpected yet harmonious combinations, allowing the materials themselves to act as design features, rather than relying solely on added décor.

Taking the lead from architectural pioneers

Visionaries like Frank Lloyd Wright drew influence from nature, infusing design with simplicity, individuality and integrity. Today’s kitchens can echo this sentiment through the incorporation of finishes and accents in earth tones, warm golds, deep charcoals and soft metallics, creating warmth and authenticity. As kitchen design evolves, spaces designed with an eye for architecture provide a cohesive vision, narrating a story through shape, form and material.

These new spaces transcend mere utility, merging purpose with art and using layout, materials and natural palettes to define their essence. This is not just a passing trend; it’s a cultural shift reshaping kitchen and home design for the future.

2025-08-14T09:31:00

(BPT) – Backyard gatherings are more popular than ever. Millennials and Gen Z are leading the charge, and the numbers back it up — searches for “dinner parties” have surged by 148%, according to Evite. Translation? Home is the new hot spot, and your backyard is prime real estate.

But creating a standout space takes more than a grill and some string lights. Today’s best outdoor setups combine style, comfort and functionality, including built-in kitchens, smart tech features, efficient layouts and weather-ready details. The trick is to plan ahead. Knowing what you want from the start, whether it’s a place to unwind, entertain or both, makes it easier to bring your vision to life.

These four smart design moves will help you build a deck that’s made to host, no matter the season.

1. Maximize functionality with a multi-level design

Think beyond a single flat surface. A multi-level deck layout adds dimension, functionality and visual interest to your outdoor space — essentially doubling your usable square footage. Imagine dining or hosting guests on the upper level, while a shaded lounge, private spa retreat or media-ready hangout lives below.

Have a second-story deck? Installing a drainage system between the substructure and deck surface creates a watertight barrier that prevents rain from seeping through. This opens up endless possibilities for finished space underneath — whether you want to relax, entertain or stream the big game year-round.

2. Design zones for every occasion

The most functional decks are laid out like open-concept interiors, with defined areas for dining, lounging and conversation. These distinct zones help guests move naturally while creating cozy, purposeful spaces. Place your outdoor dining table on the upper level and use the space below for casual seating or a tucked-away bar. Use rugs, sectional seating and ambient lighting to visually define each area, without obstructing views or disrupting flow.

3. Power up entertainment features

Today’s outdoor spaces are tech-enabled with everything from TVs and speakers to heaters, fans and charging stations. However, all that functionality requires safe and dry infrastructure. This is where an “above-the-joist” deck drainage system, like Trex^® RainEscape^®, really pays off. Unlike other systems that install below the joists of the deck, RainEscape covers the entire substructure, allowing you to safely run electric, gas and data lines to support modern amenities like a media wall, smart kitchen or full sound system. Add Wi-Fi extenders and smart-home integration to keep the space fully connected and guest-ready.

4. Build in smart storage

Even the most stylish decks need practical features. Built-in storage keeps essentials — like cushions, serving ware and party supplies — organized and out of sight, yet always close at hand. Use the protected area beneath your deck for cabinets, weatherproof bins or under-bench compartments. You’ll keep clutter at bay, while ensuring your space looks polished and feels ready for anything.

The best outdoor living spaces start with thoughtful planning. When you design with intention from the beginning, you create a versatile space that looks great, functions seamlessly and fits the way you live and entertain.

Discover how to bring your vision to life at TrexRainEscape.com.

2025-08-04T01:01:00

(BPT) – Summer is the perfect time to rethink your outdoor space. Create your very own luxury backyard for socializing or communing with nature. All you need is a plan and the materials to make it happen.

Belgard^® can help fulfill your vision with pavers, retaining walls, fire features, outdoor accessories and more. We’ll help you create a beautiful, functional outdoor environment.

1. Transform underused areas

Don’t let side yards go to waste! These narrow zones are prime real estate for adding quiet seating nooks, vertical gardens or a streamlined outdoor kitchen. Even transitional spaces can become destinations with character and purpose.

Side yards hold the potential to become a cafe-style nook, container garden or stylish walkway connecting multiple outdoor spaces. Seating, lighting, planters or a vertical garden can make these areas feel cozy. Consider geometric-shaped pavers like Belgard’s Metropolitan collection to add flair, providing unique patterns on porches or patios. Extend the pavers down the connected walkway or driveway for a lengthening effect.

2. Embrace modularity

Modular design incorporates various shapes, sizes and textures that designers can group together to create intricate designs. This allows for innovative, fresh styles with less installation time.

Entertain, relax and work from the garden. Adaptable features like built-in benches with hidden storage and fire pits provide flexibility from dining to lounging. This “designing for life’s layers” style creates versatile solutions that adapt to everyday living.

Belgard’s modular paver lines use clean cuts and simple forms to create an uncluttered, on-trend aesthetic. Use pavers to create interesting designs. They can divide space into zones or blend with artificial turf for a sophisticated, natural look.

With modular design, you can customize spaces to fit your needs. Modular pavers give your outdoor project a holistic design. Elevate everything from seating areas or fire pit living rooms to complex pool projects. Elements Home enhances beauty and functionality for better outdoor living with outdoor essentials with a variety of Belgard products, including:

• Fridges, bars and sinks for an outdoor bar
• Fire pits
• Water features
• Lighting
• Structures

Want to see ultra-modern, clean lines in your outdoor design? Products like the revolutionary Artforms™, the industry’s first complete modular concrete panel system, showcase the benefits of this approach. To create a contemporary aesthetic, Artforms’ large-format concrete panels can be cut to any size you want. Get a new, modern look that’s efficient to install as well as being strong and durable. You can also easily add Artforms panels to any existing projects.

3. Use every inch wisely

With smaller lots and tighter footprints becoming more common, make the most of every square foot. Think vertical: Privacy walls, trellises and pergolas add height and structure while expanding usable space. Create height and add a lush atmosphere with a vertical garden or pergola. Starting with how you want to use your spaces encourages smart layering.

Called microspaces, smaller areas can even incorporate compact outdoor kitchens, cozy seating arrangements, plunge pools and more. You can use smaller spaces or front porches as dining areas, even adding cooking elements, with proper ventilation.

Work from home? Use a porch or patio as a workspace. Or add a small water feature or planters to create a moment of Zen. Imagine how you want to use the area, and make it happen.

Consider creating designated “rooms” in outdoor spaces through strategically installed hardscapes, planters or paver patterns. This makes your space feel larger and more intentional, whether you’re designing a peaceful reading corner or lively entertainment hub.

Create a cohesively designed space using Belgard Rooms. Augmented reality and 3D design helps you see exactly what spaces will look like. Templated designs offered through Belgard Rooms makes it easier to bring your perfect outdoor oasis to life.

4. Connect indoor and outdoor living

Blur the lines between indoors and out. Create seamless transitions using continuous flooring materials, large-format pavers and modular elements to mirror your interior design. Sliding doors, shade structures, heating elements and lighting extending beyond your back door also make it easier to enjoy your outdoor space all evening long. Style-forward hardscapes like Belgard’s Artforms™ or porcelain pavers provide a modern edge while maximizing comfort and usability.

This summer, rethink the limits of your outdoor layout. To recap, here’s what we recommend to create your dream backyard:

• Optimize every area including side yards or small nooks
• Use modular design for simple, adaptable solutions
• Elevate microspaces for working, entertaining and relaxing
• Make your space flow easily from indoor to out

Make every square foot work smarter while reflecting your aesthetic and lifestyle. Whether you’re working with a sprawling backyard or compact side yard, thoughtful design upgrades can completely transform outdoor areas.

Visit Belgard.com to start planning your ideal space.

2025-07-28T08:01:01

(BPT) – Are you a hybrid worker or do you have a team of hybrid workers?

Working from home (WFH) offers employees freedom and flexibility, but today, the workspace extends far beyond the office. What began as WFH has evolved into a work-from-anywhere (WFA) — a model that’s redefining when, where and how we work.

But with all that freedom, something often gets left behind: connection.

The spontaneity of hallway chats, the energy of brainstorming in the same room, the subtle cues of in-person collaboration — they’re easy to lose in a fully remote world. So, what if you didn’t have to choose?

With the right workplace management tools, your team can stay productive, aligned and engaged — wherever they are. What if you could have both? Flexibility and connection? Autonomy and community?

A smarter way to work — from anywhere

According to Market Data Forecast, the global workplace management software market is growing at a compounded annual rate of almost 13% per year and could reach nearly $2 billion by 2032. With so many existing and forthcoming options, it can be challenging to find a software your team can rely on.

The key? Look for a people-first platform designed to support hybrid workflows, flexible coworking and team engagement.

That’s where Othership comes in.

Find your flow — one click at a time

Need a quiet spot for some deep work? A creative environment for a team brainstorming session? Or just a place to feel surrounded by like-minded people?

Othership’s on-demand workspace booking platform lets you find the right space when and where you need it. You can book meeting rooms, day passes or unique coworking spots across cities. Whether you need something cozy or collaborative, Othership helps match your work style.

Even better? Every space is hand-picked and vetted by the Othership team. Some of them even include perks like free coffee or access to hotel lounges.

Flexible plans like Pay-As-You-Go or All Access memberships make it easy to scale with your team. You can add, remove or update team members from your account anytime, no hassle.

Desk booking, made simple

Got more people than desks? Managing a hybrid office schedule can be messy unless you have the right system.

Othership’s intuitive desk booking app makes it easy for your team to see who’s in the office and where they are sitting. Employees can book desks, see workspace maps and even check out events or announcements, all from one app.

For leaders, the platform offers valuable workplace analytics and built-in employee feedback tools.

Ready to rethink the way you work?

The future of work is people first. With Othership, you can support your hybrid team with tools that bring structure, ease and connection to every workday. Using these workplace management solutions, you can proactively refine and adapt your WFA approach.

Explore membership options and join the Othership Community at Othership.com.

2025-07-16T07:01:00

(BPT) – If you have large or unexpected expenses on the horizon, you may have access to an untapped resource: your home. You could use some of the equity you’ve built up in your house to meet financial goals, depending on how much equity you have and how you use it.

Here’s a guide from the experts at Navy Federal Credit Union to explain how home equity loans work and when you should — or shouldn’t — use your home’s equity.

What is a home equity loan?

In basic terms, a home equity loan is money you’re borrowing using your home as collateral. The equity in your home equals how much of your home’s value you actually own (not counting the mortgage you’re still paying off).

Home equity loans are frequently offered at lower interest rates than other loans, so they may be a great option for consolidating debt on higher interest credit cards, or large home improvement projects.

You can determine how much equity you have in your home, and how much your home equity loan payments are likely to be, using online calculators.

Here are the two most common types of home equity loans:

Fixed-rate equity loan: This is a lump sum amount you’ll draw from your home’s equity, paying back monthly at a fixed interest rate for the life of the loan, so you’ll know exactly what to expect. Fixed-rate home equity loans are typically used for:

• Home improvements/repairs
• Debt consolidation
• Large purchases
• Life events

Home equity line of credit (HELOC): This is a line of credit secured by the home, which lets you borrow funds if and when needed, up to a set maximum credit limit. You only have to repay the funds you borrow. HELOCs are typically used for:

• Home improvements
• Emergency funds
• Medical expenses
• Debt consolidation

The best use of a home equity loan or home equity line of credit is when the money you borrow increases your home’s value via renovations or repairs, as this continues building the equity you’re borrowing against. You may also have tax benefits for using the loan toward home improvements, so it’s recommended to consult a tax professional.

When NOT to use a home equity loan or HELOC

Because these loans use your home as collateral, remember that you’ll want to be sure you can stay on track with loan repayments. For this reason, financial experts advise against using home equity to borrow for things including:

A car purchase: An auto loan is usually a better choice for purchasing a new or used vehicle. Interest rates on auto loans tend to be similar or lower than home equity loans, and auto loans usually require little paperwork and fewer fees.

Vacations: It’s better to save up for near-term wants like vacations or large-screen TVs than using your home’s equity for something offering no financial return.

College: Consider all options — including federal student loans, scholarships, grants and private student loans — before tapping into home equity. A home equity loan may be a consideration if current mortgage rates are significantly lower than federal student loan rates, especially for graduate or professional degrees. But unlike federal student loans, if you use home equity to pay for college, you won’t qualify for income-driven repayment plans or loan forgiveness programs.

Starting a business: Your best bet for launching a business is a business loan through a financial institution or the U.S. Small Business Administration (SBA). If your business fails and you have a home equity loan or HELOC you can’t repay, you’re putting your home on the line.

Recurring expenses: Using home equity to cover everyday bills can be a slippery slope. Consider your long-term ability to repay the loan. Since your home is your collateral, missed payments could lead to foreclosure.

Make a smart plan

Your home equity is a valuable resource for managing your finances. Planning ahead and understanding your repayment responsibilities is crucial for making the best use of a home equity loan or home equity line of credit. For more information and to explore your home equity options, visit NavyFederal.org/equity. Navy Federal is federally insured by NCUA. Equal Housing Lender.