Category: Brandpoint Home & Garden

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.

2025-07-14T08:01:00

(BPT) – An in-depth look at today’s renter demands for modern amenities and stylish design; how choosing the right plumbing fixtures can make or break a renovation

Renters today aren’t just looking for a place to live, they’re looking for spaces that reflect their style and day-to-day needs. From practical amenities to Instagram-inspired aesthetics, renter expectations are shifting fast — and for contractors building out these multifamily spaces, keeping up can mean the difference between a unit that sits vacant and one with a waitlist.

Modern renters, modern needs

It’s no secret that today’s generation is reshaping the rental market. Making up nearly 47% of recent U.S. renters, Gen Z brings a sharp eye for design, high digital fluency and strong opinions on how their spaces should look and feel. Raised on a steady stream of Pinterest boards and Instagram Reels, style is the standard. But those expectations are colliding with reality as renovation costs have surged over 60% in recent years, leaving contractors looking for smart, budget-friendly solutions.

Fortunately, modern style doesn’t necessarily mean major spending. Recent data shows that simple design touches like cohesive looks, matte black finishes or ambient lighting go a long way in creating a space that feels current and move-in ready. As renters become more vocal about their design preferences, especially within the growing DIY culture, contractors who prioritize aesthetically pleasing, cost-efficient upgrades are better positioned to attract modern-day tenants and those to come.

One approachable yet impactful way for contractors to meet these evolving renter demands is by choosing plumbing fixtures that combine modern style with everyday functionality. The new Ezra™ Bathroom Collection Curve Spout expansion by Peerless^® Faucet is a perfect example. This new curved spout adds modern sophistication to any bathroom renovation plan. Featuring sharp lines, ergonomic handles and a contemporary silhouette, this collection offers contractors design-forward flexibility, making it easier to meet renter aesthetic expectations while staying on budget. This expansion is available in a Single-Handle and Two-Handle Widespread design and in trending finishes like Matte Black, Chrome and Brushed Nickel.

Focus on the basics

While modern-day renters are increasingly drawn to stylish, design-forward spaces, that doesn’t mean professionals need to invest in extravagant upgrades like rooftop pools or luxury fitness centers. In fact, today’s renters are just as focused on the essentials that enhance their everyday lifestyle. Recent data shows that practical amenities suffice — with secure parking, in-unit laundry, and well-designed and functional interiors ranking as the most valued features. This signals a shift: Renters want convenience and comfort without compromising style, and smart investments in the basics can have a big impact.

Practical doesn’t have to mean plain. Today’s renters are gravitating toward features that marry everyday functionality with visual appeal and lifestyle relevance. It’s not about adding luxury for luxury’s sake — it’s about elevating the essentials through thoughtful touches. For contractors and developers, the takeaway is clear: Focus on core amenities, but execute them in ways that feel intentional, stylish and reflective of today’s wellness-driven, design-savvy renter.

To support this shift, industry organizations like the National Kitchen & Bath Association (NKBA) offer professionals a foundation for delivering on both form and function. With resources ranging from trend forecasting and continuing education to certification programs and product guidance, NKBA equips pros with the knowledge and tools needed to bring high-impact, well-designed spaces to life — no matter the project scale or budget.

Create spaces for community

In addition to valuing practicality and style, today’s renters are placing a growing emphasis on connection and community. As remote work and digital lifestyles continue to reshape how people live, shared spaces that foster social interaction are becoming a must-have in multifamily design.

Features like co-working lounges, pet-friendly zones, outdoor kitchens and rooftop gathering areas are increasingly sought-after because they support both the lifestyle and desires of modern renters. These communal amenities do more than attract attention — they encourage engagement, enhance quality of life, and play a pivotal role in long-term satisfaction and retention.

The bottom line

In 2025, meeting renter expectations isn’t about chasing extravagance — so there is no need to splurge on flashy upgrades. It’s about creating spaces that feel modern, intentional and livable. Today’s renters want thoughtful design, practical amenities and a sense of community.

By prioritizing style-forward essentials, functionally modern features and communal elements that reflect real needs, multifamily professionals can craft environments that truly resonate with potential tenants. The result? Properties that stand out attract discerning renters and foster long-term satisfaction without overspending.

2025-07-11T11:19:26

(BPT) – Renting your home? You’re not alone. According to Pew Research, more than 44 million households in the U.S. were rented in 2024 — that’s more than one-third of all homes. And the number keeps growing.

With renting on the rise, it’s never been more important to think about protecting what’s inside your home. That’s where renters insurance comes in. Many people mistakenly believe their landlord’s insurance covers them, but that’s only true for the building — not your belongings.

Mercury Insurance wants renters to know they have options — and that coverage is often more affordable than people think. Renters insurance can help replace your things after theft, fire or other disasters, and even offer liability protection if someone gets hurt in your unit.

“Renters insurance can offer peace of mind when it comes to such things as protection of your personal property and finances,” said Adam Bakonis, Senior Product Manager State for Mercury Insurance. “Some consumers don’t think about renters insurance until they are in a situation in which they need it, so it pays to do some research prior to moving into a rental property so that you are prepared for the unexpected.”

Here are some of the benefits of having renters insurance:

• Protection of Personal Property: Renters insurance helps cover the cost of repairing or replacing your belongings — such as furniture, clothing and electronics — if they are damaged or stolen due to covered perils like fire, theft, vandalism and water damage from burst pipes. Your belongings can be covered even if the loss occurs outside your rental unit, such as in a storage unit or while traveling. You may have the option of choosing between replacement cost value (RCV) or actual cash value (ACV) coverage for your belongings. Replacement cost coverage is recommended since it will pay to repair or replace damaged items with items of a similar type and quality at current prices without deducting for depreciation in the final payment amount.
• Liability Protection: This coverage can protect you financially if someone is injured in your rental home, or if you accidentally damage someone else’s property, including their rental unit. For instance, if a guest slips and falls in your apartment and requires medical attention, or if your child accidentally breaks a neighbor’s window, your renters insurance can help cover the costs of their medical bills or property damage, as well as legal fees if you are sued.
• Additional Living Expenses (Loss of Use): If your rental property becomes uninhabitable due to a covered loss (like a fire or extensive damage), renters insurance can help cover the increased cost of temporary living expenses, such as hotel stays, meals and other related expenses to maintain your normal standard of living while your place is being repaired or rebuilt or until you permanently relocate.
• Affordability: Renters insurance is generally inexpensive, with the average cost often being around $15 to $30 per month, depending on location and coverage limits. According to NerdWallet, the average cost of renters insurance in the U.S. is $148 per year, or about $12 per month.
• Medical Payments: Some policies include guest medical coverage, which can pay for reasonable medical expenses (like X-rays or ambulance rides) if a guest is injured at your rental, even if you are not at fault.
• Pet Liability: If your pet causes damage or injury to another person or their property, renters insurance may help cover the costs. NOTE: While this falls under general liability coverage, it is relatively common for liability losses and merits a separate mention.

“It’s often said that it’s better to have something and not need it than the other way around — and that’s especially true for renters insurance,” added Bakonis.

2025-07-08T03:01:00

(BPT) – If you love spending time in your outdoor space over the summer and autumn months, you probably also look forward to inviting friends and family to hang out with you. But does your backyard area need upgrades to make it more welcoming, functional and relaxing?

Here are easy tips to elevate your space, while also bringing more warmth and a sense of luxury to your backyard.

1. Enhance outdoor get-togethers

Everyone loves to gather around a cozy fire on a summer or autumn evening. To add a heightened level of design and elegance to your gatherings, consider a Kindred Outdoors & Surrounds Fire Bowl. These unique creations have subtle variations in color and texture similar to natural limestone. Made from strong, glass-fiber reinforced concrete, they feature a patent-pending brass burner system that uses half the fuel of conventional fire rings, yet produces higher flames and a brighter appearance. Fire Bowls come complete with lava rock and match-lit components.

Each of the nine different styles of Fire Bowls is available in four color choices that reflect the authentic look of natural limestone. You can opt for either Honed (smooth surface) or Travertine (more textured surface) to complement the look of your overall outdoor space design. To increase functionality, you can also use your Fire Bowl as a beautiful table when fire is not needed with the addition of a Wood Top.

Note: Fire Bowls must be covered from the elements when not in use. The Wood Tops are not designed to be protective covers for the fire bowl when it is not in use.

2. Embrace outdoor cooking

If you’ve always thought that creating an outdoor kitchen was too difficult and time-consuming, think again. With Kindred Signature Kitchens, you’ll get a pre-designed, ready-to-install kitchen setup that allows you to construct the perfect outdoor kitchen in just days instead of weeks. Each kitchen is pre-designed to fit a variety of size and style configurations, and ships complete with all the necessary cabinets, bolts and end-caps.

Kindred Outdoor Signature Kitchens are an easy solution to help you create the timeless look and feel of a stone masonry kitchen. You can finalize your outdoor design by selecting stone or brick finish, appliances and countertop materials of your choice, in these configurations:

• Coastal Ranch Signature Kitchen: One of Kindred’s most popular L-shaped kitchens measures approximately 11 by 8 feet, and is designed to maximize appliance space while providing room for entertaining with its raised bar counter.
• Metropolitan Signature Kitchen: This 12-foot linear kitchen is designed to save space as compared to traditional L-shaped kitchens, yet provides ample counter room for preparation of an elegant night of dining al fresco.
• Parkview Signature Kitchen: The simple configuration and manageable size of this 9.5 by 6.5-foot L-shaped kitchen allows for the perfect entertaining center in a variety of outdoor settings.

3. Design your own custom kitchen structure

Want more flexibility in designing your dream outdoor kitchen? Kindred’s Outdoor Kitchen Cabinets offer a modular solution that lets you build a layout tailored to your cooking and entertaining needs. The outdoor cabinets offer a virtually limitless combination of configurations and can be assembled in just hours. Additionally, cut-outs for custom features such as barbecues, sinks, refrigerators and storage drawers can be done on-site.

Each piece is made of glass-fiber reinforced concrete (GFRC), which can be installed on any solid flooring surface without concrete footings or rebar. They eliminate construction waste and reduce the additional time that’s associated with traditional masonry block installations.

4. Imagine your perfect outdoor space

Need help bringing your dream space to life? The new Kindred Outdoors & Surrounds Outdoor Design Tool offers designers, architects and homeowners an interactive platform that aids in visualizing how Kindred’s products would appear in your outdoor setting. You’ll be able to try out various styles, sizes and colorways to see what works best for your space and your design aesthetic.

Whether you’re starting from scratch or enhancing an existing project, the Kindred Outdoors & Surrounds Design Tool provides helpful images and inspiration to support the creation of your ideal outdoor entertainment space.

To find more resources to help you enhance your backyard, visit MyKindredLiving.com.

2025-07-07T00:01:00

(BPT) – From safety to sustainability to reliability, more homebuilders and homeowners are choosing PEX for their new home construction and repipes … here’s why

With more than half of new home construction incorporating PEX for the plumbing systems — and even more in repipes — this flexible, polymer piping product is continuing to gain popularity among homebuilders and homeowners alike.

Find out what makes this piping system the trusted go-to solution for safe, clean, reliable plumbing that can last for a lifetime.

History

First developed in 1968 by German inventor Dr. Thomas Engel and incorporated into North America in the mid-1980s, PEX use has expanded over the decades from a radiant floor heating pipe to a plumbing and even a fire sprinkler system solution.

PEX is an acronym for polyethylene (PE) that is crosslinked (X). The crosslinking process bonds the polyethylene molecules to create a flexible yet strong material that provides various properties for a safer, cleaner, longer-lasting pipe. Its flexibility eliminates unnecessary connections behind walls, offering better performance for water delivery as well as an ideal solution for plumbing repipes.

Safety

Plumbing pipe has the responsibility of distributing water from the main source throughout the home to every fixture. When that water is running throughout all that piping, it has the potential to pick up various contaminants that have developed in the system.

For copper, which corrodes over time due to varying water pH levels, high dissolved oxygen, high total dissolved solids, high water velocity, various chemicals, and more, that corrosion creates opportunities for bacterial formation that can infiltrate your drinking water. In fact, the U.S. Environmental Protection Agency (EPA) states limits on allowable copper in drinking water in 40 CFR 141.80 and 141.86 due to its potential toxicity and leaching issues.

PEX, on the other hand, naturally resists corrosion, rust, pitting and scale buildup. It also has a smooth inner surface that does not promote bacterial formation. The piping is manufactured and tested to NSF/ANSI/CAN 61, Drinking Water System Components – Health Effects, which establishes minimum requirements for chemical contaminants and impurities indirectly imparted to drinking water from products, components and materials used in drinking water systems.

This standard tests for thousands of chemicals to ensure the safety of PEX for plumbing. In fact, according to a case study on the Environmental and Economic Life Cycle Assessment of PEX and Copper Plumbing Systems in the Journal of Cleaner Production, “Switching from copper piping to PEX piping improves human health impact substantially.”

Sustainability

Studies indicate the carbon footprint of PEX is lower than copper when considering material extraction, processing and installation. The Journal of Cleaner Production states, “…energy and global warming potential reductions for PEX piping compared to copper piping (average for copper pipes types K, L and M) are 44% and 64%.”

Additionally, the article goes on to state that “acidification potential, water intake, criteria air pollutants, smog formation potential, ozone depletion potential, ecological toxicity, and habitat alteration categories improve from 21% to 85% by electing PEX pipes over copper.”

Furthermore, on a global level, a series of independent studies by the Flemish Institute for Technological Research measured the environmental footprint of various types of polymer pipes based on a full lifecycle assessment. The results proved PEX pipe manufacturing processes require less production energy than alternative materials.

Reliability

With a service life expectancy of at least 50 years, PEX is manufactured, tested and trusted to deliver quality and consistency.

PEX is the most resilient plumbing pipe in freeze/thaw cycles due to its flexibility and shape memory (i.e., the pipe’s ability to expand and then shrink back down to its original shape).

In fact, a Technical Report (TR-52) published by the Plastics Pipe Institute (PPI) proves the exceptional resiliency of PEX pipe in freeze/thaw cycles. This flexibility and resilient strength help reduce the risk of system damage and costly repipes.

It is important to know that not all PEX is created equal. There are actually three methods for manufacturing PEX, known in the industry as PEX-a, PEX-b, and PEX-c, as well as various PEX connection methods. Make sure you understand the differences in PEX types and connection styles before making the decision to install PEX.

To learn more about PEX, refer to the industry resources from the Plastics Pipe Institute, the Plastic Pipe and Fittings Association, and uponor.com. Additionally, for a detailed look at all the benefits of PEX over copper, refer to this white paper on The Superiority of PEX Over Copper for Plumbing Systems.

2025-06-30T09:01:01

(BPT) – Now more than ever, first-time homebuyers are dialed into the interest rate environment and what it means for purchasing a house. That’s why many experts advise that buyers “marry the home and date the rate” — in other words, buy a house you love and at a price you can afford with the option of refinancing if there’s a better rate in the future.

Beyond mortgage rates, buyers also have to weigh home prices, insurance premiums, property taxes and even their own financial readiness to take on homeownership. However, not everyone can afford to wait around for the perfect scenario to buy a home.

“Whether it’s because of a new job, a major life change or seeking a new school district, we see people needing to move for all kinds of reasons,” said Ana Munoz, Senior Home Lending Advisor for Chase Home Lending. “Instead of focusing on the rates, it can be helpful for borrowers to focus on what they can control, which is their financial preparedness. If you feel ready to take on the costs of homeownership, it’s important to meet with a mortgage professional to understand your options.”

Whether you’re just starting your homebuying journey or are ready to buy this summer, the experts at Chase Home Lending offer these tips on prepping to buy a home:

Explore educational resources: Consumers planning to purchase a home, particularly first-time buyers, should start by educating themselves on the homebuying process. It’s easy to feel like you’re in over your head because you don’t know what you don’t know. Luckily, there are resources available to help boost your homebuying knowledge such as webinars, podcasts and articles, like the Chase Beginner to Buyer Podcast.

Determine when the time is right: Understand your needs and wants for homeownership, and what will best fit with your lifestyle and budget. Consider additional costs including property taxes, home maintenance and more, along with the advantages — like building home equity — to determine if it’s the right time for you to buy.

Understand the upfront costs of homeownership: Affordability is still top of mind for prospective homeowners, especially for first-time buyers. The upfront costs of homeownership, such as closing costs, a down payment and fees, may catch some buyers off guard. Online tools like an Affordability Calculator can help you determine how much you can afford.

To feel better prepared, borrowers can research and review homeowner and down payment assistance programs and grants they may be eligible for to address the initial costs of owning a home. A great tool to help you right from your phone or computer is Chase’s Homebuyer Assistance Finder, which helps borrowers find all the assistance they might be eligible for.

Work with trusted professionals: Before you begin your home search, consult a home lending professional. They can help you get preapproved, navigate the local homebuying market and review loan options. It can also be worthwhile to check with your bank since many offer discounted rates to eligible borrowers, so be on the lookout for your bank’s relationship pricing options.

Lock in your rate: Interest rates can rise and fall quickly. Being able to lock in an interest rate with a lender can give you assurance of how much you’ll pay in interest for your home loan. For example, Chase offers their Homebuyer Advantage with Lock and Shop, which lets you shop with confidence because you’ve locked in your interest rate.

Bonus: Common misconceptions about homeownership

There are a few misconceptions about buying a home that may be keeping some prospective buyers on the sidelines. Here, we break down what’s myth vs. fact about homebuying:

• Misconception 1: You have to put 20% down.
  Fact: Some loan types offer low down payment options, such as FHA and VA loans. Check out Chase’s DreaMaker Mortgage, which may allow borrowers to put down as low as 3%.
• Misconception 2: All lenders offer the same high interest rates.
  Fact: Interest rates may vary by loan type and lender. Check with more than one lender, consider all the upfront costs of getting a mortgage and lock in your rate for added confidence during the homebuying process.
• Misconception 3: I’m not eligible for any assistance programs.
  Fact: There are assistance programs at the local, state and national levels to support homebuyers on their path to homeownership.
• Misconception 4: Banks don’t close on time.
  Fact: If you’re buying a new home or investment property, you may be eligible for the Chase Closing Guarantee. Chase promises on-time closing for eligible products in as soon as three weeks or you’ll get $5,000, if you qualify. Plus, homeowners may be able to save more and tap into discounts when using a bank like Chase versus a nonbank.

Ready to start planning for your dream home? Visit Chase.com/afford.

For informational/educational purposes only: Views and strategies described in this article or provided via links may not be appropriate for everyone and are not intended as specific advice/recommendation for any business. Information has been obtained from sources believed to be reliable, but JPMorgan Chase & Co. or its affiliates and/or subsidiaries do not warrant its completeness or accuracy. The material is not intended to provide legal, tax, or financial advice or to indicate the availability or suitability of any JPMorgan Chase Bank, N.A. product or service. You should carefully consider your needs and objectives before making any decisions and consult the appropriate professional(s). Outlooks and past performance are not guarantees of future results. JPMorgan Chase & Co. and its affiliates are not responsible for, and do not provide or endorse third party products, services, or other content.

Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Lender.

© 2025 JPMorgan Chase & Co.

2025-06-25T17:01:00

(BPT) – Choosing energy-efficient heating and cooling equipment, scheduling regular maintenance appointments and changing the furnace filter can all help contribute to a more comfortable and energy-efficient home. However, properly serviced equipment is not the only factor that contributes to a home’s comfort and energy efficiency. Going beyond the equipment to consider a “whole home” approach to caring for indoor air may help optimize a home’s energy efficiency and indoor comfort.

How much do you know about the non-equipment factors that can affect indoor air? The following quiz can help homeowners identify potential issues that can reduce energy efficiency and thermal comfort.

1. An HVAC technician should check the attic when making a service call or performing regular maintenance on heating and cooling equipment.

True. Issues in the attic — such as an insufficient level of attic insulation or problems with attic ductwork — can lead to inconsistent temperatures, reduced energy efficiency and other problems throughout the home. The EPA estimates that homeowners can save an average of up to 15% on heating and cooling costs (or an average of 11% on total energy costs) by air sealing their homes and adding insulation in attics, floors over crawl spaces and accessible basement rim joists¹. An Owens Corning AirCare^® Professional brings a “whole home” approach to caring for a home’s air. These professionals use the HVAC System Health Check, which includes 11 checkpoints to evaluate the home’s comfort system.

2. My home is only 15 years old and was built to code, so I don’t need to worry about energy efficiency.

False. Residential building codes in the U.S. are typically updated every three years but may vary by jurisdiction. It’s important to understand that building codes represent the minimum threshold for energy efficiency. Advances in building technology and equipment innovations continue to make homes more efficient compared to those built only a decade or so ago.

3. Insulation is already installed in my attic, so I’m covered.

False. A sufficient level of attic insulation is necessary to help regulate temperatures and avoid heat escaping from a home’s interior through the attic to the outdoors. Similarly, in the summer, attic insulation keeps hot attic air from migrating into cooler parts of the home. Recommendations for insulation levels vary by climate zone. An HVAC technician should check attic insulation levels when performing a maintenance visit or service call and can recommend a proper level.

4. Condensation in the attic is always a sign of a leaky roof.

False. Any moisture accumulating in the attic should be investigated. The presence of moisture may lead to problems ranging from corrosion on metal infrastructure or mold on equipment. And while it is important to ensure a home’s roof is not permitting moisture to enter, humidity in attic air may also lead to moisture issues. Attic insulation helps provide thermal comfort within a home by slowing thermal transmission through the ceiling as part of an insulating system. Be sure to seal the ceiling prior to insulating to prevent thermal loss by way of air movement.

5. A noticeable increase in dust inside a home may be a sign of ductwork issues.

True. Over time, connections in attic ductwork can loosen, allowing particulates in attic air to enter the ducts and be distributed throughout the home. Unusual smells or odors are another sign that attic air may be infiltrating the home.

6. Equipment that cycles on frequently is always a sign of an equipment issue.

False. Holes or penetrations in attic ductwork can allow heated or cooled air to escape into the attic, placing additional strain on properly operating equipment. Additional wear and tear may shorten the lifespan of a heating and cooling system.

Caring for a home’s indoor air should go beyond the equipment and consider how conditions in other parts of the home, including the attic, contribute to comfort and energy efficiency. An Owens Corning AirCare^® Professional has the knowledge and tools to assess conditions in the attic — including insulation and ductwork — and bring a whole home approach to caring for indoor air. To find an AirCare^® professional, visit the Owens Corning online contractor locator.

1 https://www.energystar.gov/saveathome/seal_insulate/why-seal-and-insulate#:~:text=EPA%20estimates%20that%20homeowners%20can,over%20crawl%20spaces%20and%20basements.

© 2025 Owens Corning.