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Young professionals are becoming a major part of the workforce. Ranging in age from early-20s to mid-30s, young professionals are typically classified as working in a professional or white-collar field. However, as new careers emerge, the very definition and work of a young professional are changing and evolving on a daily basis.

It’s an exciting time for a young person in the workforce, with plenty of innovative opportunities, new directions and forward-thinking workplaces. To start their work lives off on the right foot, young professionals want to situate themselves in a good city with ample work opportunities in various fields.

But it’s not all about work. Young people want to have fun, as well! That’s why it’s imperative that a city wanting to cater to young professionals has a happening social scene. This can include everything from great restaurants to sports, live music and entertainment. A vibrant cultural scene gives young professionals a chance to let their hair down after work and connect with others in their community.

From a thriving jobs market to great after-work hours fun, these are the best cities for young professionals.

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These are the 10 best cities for young professionals

To be a good place for young professionals, a city needs to have a diverse job market. But it isn’t enough to have plenty of companies and job openings. You need chances for advancement within fields and companies. Plus, you need plenty of fun things to do outside of work that appeal to a hip, youthful crowd. These 10 cities rank highest as the best cities for young professionals in America.

10. Boston, MA

Massachusetts’ capital city is one of the best cities on the East Coast for young people to live and work. With thriving industries in IT, tech, finance, insurance and healthcare, young professionals working or hoping to work in these fields have tons of options. It’s an especially good location for the healthcare field, as Boston is home to some of the best hospitals nationally and around the world.

Another big plus: Boston is the home of Harvard, MIT and other top universities. This gives young professionals the chance to pursue advanced degrees in their field or change career paths.

Boston’s city life is one of the most diverse and vibrant on the East Coast. The city is full of history, which you can experience in its architecture and museums. But it’s also fully in the present and looking to the future in giving its residents a good quality of life. In 2017, Boston was named one of the most innovative cities in the world, which is felt everywhere from its work and educational institutions to its urban planning and cultural offerings.

It’s also an extremely health-conscious city, with tons of parks, bike paths and pedestrian-friendly areas. It boasts of a renowned art, theater and live music scene, as well as great dining and nightlife. Neighborhoods like South End and Allston/Brighton offer affordable, trendy places to live.

9. Madison, WI

Once overlooked as young professionals flocked to major coastal metropolises, Midwestern cities like Madison are showing that they have a lot to offer ambitious young people. The University of Wisconsin-Madison has highly regarded tech and IT programs, fueling a citywide industry.

Alongside education, young professionals here have their choice of many interesting, cutting-edge industries like healthcare, energy, aerospace and agriculture. Madison’s proximity to Chicago and Milwaukee also allows young professionals to make connections and network with companies in larger cities while enjoying Madison’s more relaxed and affordable quality of life.

Outside of work, Madison bustles with the energy of a college town. Sports are huge here (Go Badgers!), with football, basketball, hockey and baseball. Be sure to watch all those games while enjoying a cold, locally-made beer. Alongside its love of brats and cheese curds, Madison is known for its craft brews.

To burn off all those good eats, hit the paths of Madison’s many parks, especially the scenic ones along the shores of Lake Mendota and Lake Monona. For the more artistically inclined, you can find live music, museums and art exhibitions in abundance.

8. Atlanta, GA

Pursuing a career in Atlanta is bound to set young professionals up for success in life. The city positively crackles with expectation and energy. People living here are all about big ideas and big dreams, setting the stage for innovation and collaboration. Healthcare and finance are major industries here. But it’s also a great spot for young professionals looking to break into communications, media, film and entertainment.

The young workforce can take advantage of local groups like the Young Professionals of Atlanta for guidance, networking and giving back to the community. The Hartsfield–Jackson Atlanta International Airport, which is a major hub, also allows for easy work travel.

Beyond that, Atlanta just knows how to have a good time. There’s always something going on, from a concert to a new restaurant to try. So, there’s always an incentive to go out. Live music is king here. Atlanta’s dominance in the hip hop, live music and entertainment scenes is undeniable. It has great sports teams like the Falcons, Hawks and World Champion Braves.

From southern comfort food like fried chicken and barbecue, Atlanta is all about the good eats. With its lush parks set against towering skyscrapers, it’s a great city to explore on foot. Finally, neighborhoods like Cabbagetown and Old Fourth Ward have affordable living close to work in the downtown area.

7. Austin, TX

Austin’s cultural scene is enough of a draw to get young people to move there. The city has seen tremendous growth over the past decade and for good reason. Austin is a town for creatives, from its live music to visual art to multi-discipline experimentation. Local museums, the University of Texas at Austin and the famous SXSW Festival foster a highly creative environment. And let us not forget how good the tacos are.

But it’s not all play, no work. By many metrics, Austin is one of the best cities for young professionals to learn skills, gain experience and develop their careers. It’s fast becoming a major center for tech, advanced manufacturing, digital media, start-ups and space technology. Even Tesla is transplanting its headquarters to Austin.

But for a town that’s so tech-focused, it’s still affordable with a rent-to-income ratio of about 10 percent. Young professionals can expect to earn high incomes here but will be shelling out less of their money for rent and cost of living. Austin’s population growth has been a cause for concern for its affordability, but there’s no denying it’s a great place to live as a young professional.

6. Minneapolis, MN

Alongside Madison, Minneapolis is another Midwestern city showing its chops. With a diverse job market, young professionals are here not only for work but also for the low cost of living and cultural landscape. The live music and nightlife scenes rival those of major coastal cities. And sports lovers enjoy games cheering on the Vikings and other local teams like the Minnesota Twins.

Healthcare, banking, finance, data centers and biosciences are just some of the fields young professionals can work in here. Young people hoping to go into the medical field should definitely have Minneapolis on their radar. Nearby Rochester is home to the internationally-renowned Mayo Center.

You can pursue higher education at local universities like the University of Minnesota. From top-tier career opportunities to a vibrant social scene, Minneapolis has everything young professionals need to launch their careers while enjoying their youth.

5. Washington, D.C.

If you’re a young professional looking to get into politics, there’s nowhere better than the nation’s capital. From internships to working in the offices of congresspeople, opportunities abound. And as politics revolve around connecting with people, networking is practically an art form here. At power lunches and events, young professionals can make valuable connections to parlay into prized job positions. But politics isn’t the only game in this town. Healthcare, communications, higher education and tech also have strong footholds here.

Apart from work, Washington, D.C., is a hit among young people for its nightlife, dining, arts and culture. Good public transit also allows for easy connection between neighborhoods and business districts. With D.C. having a high cost of living, this gives young professionals the chance to live more affordably outside the city center.

4. Denver, CO

The Mile High City also ranks very high on our list of the best cities for young professionals. For outdoor lovers, there’s nowhere better. The Rocky Mountains are right next door, with hiking, climbing and skiing. But there’s plenty of fun in town, as well, from dining to craft brews to cheering on the Denver Broncos. The nightlife here is hot.

When not out climbing peaks, young professionals can climb the ranks at work. Top industries in Denver include telecommunications, healthcare, financial services, IT and aerospace. Hip neighborhoods like Capitol Hill and Highland are centrally located, with easy access to downtown for work. An average commute of 25 minutes also means that living outside the city center isn’t a deal-breaker.

3. San Francisco, CA

The City by the Bay is a great place for young professionals to put down roots. This is especially true if they’re in the fields of tech, IT, software, digital and social media, international business and biotech. Thanks to its proximity to the tech hub of San Jose, San Francisco has become an outpost for innovative, forward-thinking young professionals all working on the next big thing.

It’s no secret that affordability is not San Francisco’s strongest suit. However, due to the in-demand careers and work opportunities present in the area, the median household income is $112,449. So, even with the high cost of living, it’s still possible to earn enough to enjoy a comfortable lifestyle. And most locals will say the high rents are the price you pay for living in such a dynamic place. With historic neighborhoods, parks, a robust performing arts scene and a food scene spanning cuisines from around the world, San Francisco is a great place for young professionals with active social lives.

2. Charleston, SC

The city of Charleston is known for its historic architecture, Southern cuisine and abundant history. But it’s fast getting a reputation as a great hub for young professionals. The city is home to major industries like aerospace, tech, defense and life sciences.

Housing here is also very affordable for renters. In popular neighborhoods like Harleston Village, North Charleston and James Island, the average rent is around $900 to $1,100. You can find higher education opportunities at the College of Charleston and the Medical University of South Carolina.

Charleston also boasts of a very lively social scene. That classic southern hospitality makes it a great place to go out and meet people. Young people living here have tons of activities to choose from in their free time. Charleston has a much-lauded dining scene, with tons of restaurants and cuisines to try.

The city also has a growing nightlife scene that will greatly appeal to the young crowd. Arts and culture lovers can get their fill at Charleston’s many museums and galleries. Live music is also getting a foothold here, offering something for the late-night crowd besides dancing and bars.

1. Seattle, WA

It’s called the Emerald City, but it’s taking home the gold as the best city for young professionals. Seattle is one of the West Coast’s top cities for industry and business. But it also provides unbeatable access to the great outdoors, art, culture, dining and live music. While Seattle is an expensive city, it has plenty of affordable neighborhoods that young professionals can call home.

Seattle is famously home to multiple Fortune 500 companies. Just to name a few, there’s Amazon, Starbucks and Microsoft. Many other household name companies are also based here, giving young professionals plenty of highly sought-after jobs to go after. The aerospace industry, tech and IT are also big players.

Beyond the competitive job market, young professionals in Seattle enjoy taking advantage of the city’s multicultural food scene, live music, theater and art. Heading out into the forests, waterways and mountains of Washington state is another popular way people living here unwind.

The top 50 cities for young professionals

Do the cities in the top 10 not have the right opportunities or connections you’re looking for? Craving a different type of scene? Don’t worry, there are plenty more options for great cities for young professionals.

The worst cities for young professionals

Not every city has the right tools for the job as one of the best cities for young professionals. Plenty of cities fall short due to factors like bad income-to-rent ratio, high rental rates and high unemployment rates among young people. These are the worst cities you can live in as a young professional.

Young professionals can have it all in these cities

Young people launching their careers want good opportunities. But they also want to enjoy the trappings of youth, like going out to parties or concerts. These cities provide the best of both worlds for young professionals.

Methodology

Cities were ranked based on a weighted scoring system using four broad categories: Demographics, Housing Costs to Income, Recreation and Community and Economics. Each category was weighted to account for 25 percent of the final score. Among the categories, features were weighted as follows:

Demographics: 25 points

  • Percent of the population age 25-34: 12.5 points
  • Percent of population with a bachelors degree or higher: 12.5 points

Housing Costs to Income: 25 points

  • Rent to income ratio: 25 points

Recreation and Community: 25 points

  • Bars and restaurants per capita: 6.25 points
  • Art/culture and nature/parks per capita: 6.25 points
  • Inbound migration, different state, 1 year: 6.25 points
  • Inbound migration, abroad, 1 year: 6.25 points

Economics: 25 points

  • Laborforce participation, Age 25-34: 8.33 points
  • The unemployment rate, Age 25-34: 8.33 points
  • Percent change in median income, 2015-2019, Age 25-44: 8.33 points

Data on population, educational attainment, migration, labor force participation, unemployment and median income are from the U.S. Census’ 2019 American Community Survey 1-year Estimates. Median income data from the U.S. Census’ 2015 American Community Survey 1-Year Estimates were used in calculating the percent change in median income.

Recreation data, including estimates of bars, restaurants, art and cultural institutions, and natural amenities are from commercially licensed business listings and are based on NAICS categories for Drinking Places (Alcoholic Beverages), Full-Service Restaurants, Independent Artists, Writers and Performers, and Nature Parks and Other Similar Institutions.

Cities with insufficient data were excluded.

The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

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Apache is functioning normally

A version of this story appeared in CNN Business’ Nightcap newsletter. To get it in your inbox, sign up for free, here.


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There are two numbers floating around econ media headlines lately that are (as we journalists love to say) psychological milestones.

The numbers: five and eight. As in 5% yield on the 10-year T-bill, and 8% interest on the 30-year fixed rate mortgage. The two figures are closely related, and both are inviting ominous historical comparisons.

The 10-year Treasury yield, which goes up as prices fall, is flirting with 5% for the first time since 2007 (that’s ominous comparison No. 1). The yield briefly breached the 5% last week, and again on Monday, before falling back down to 4.83% by the end of the trading day.

There are a few reasons that the 10-year has advanced so quickly since last year, when it sat around 4%, my colleague Nicole Goodkind writes.

  • Strong economic growth and elevated inflation tend to push yields higher.
  • The US Treasury has issued a lot of government debt in recent months, and more could be coming soon.
  • Those things bring down bond prices and push yields higher, attracting buyers.

Why it matters

Yields on long-term bonds may sound like something you slept through in Econ 101, but the reality of their movement hits much closer to home. Higher yields lead to higher borrowing rates for your car loans, credit cards, and student debt (payments on which just returned from a three-year hiatus), and, of course, mortgages.

The 30-year fixed rate mortgage is barreling toward 8% — a level not seen since the dot-com bubble popped in 2000. (And that is ominous historical comparison numero dos.)

Of course, 8% isn’t special on its own, it’s just a round number that helps illustrate how far we’ve come from just three years ago, when rates fell below 3%. And the milestone underscores just how crappy it is to try to buy a home right now. Because:

  • In addition to painfully high interest rates, prices on the homes themselves have soared.
  • Sellers don’t want to list because there are so few homes available to move into.
  • Buyers are bowing out because there are so few homes on the market.
  • And thus sales are at a 13-year low.

My colleague Anna Bahney put all those factors into context:

Let’s say you put down 20% on a median-priced home today, and finance the purchase with a 30-year fixed rate loan (currently 7.6%). That brings your monthly principal and interest payment to just over $2,500, according to ICE Mortgage Technology. That is nearly double the monthly cost from just two years ago, an increase of $1,200 a month.

Put another way: The monthly payment on an average home now requires 40% of the median household income, making housing the least affordable it’s been since 1984.

None of this is expected to change soon.

To bring affordability back to long-term averages, said Andy Walden, vice president of enterprise research at ICE, it would take some combination of up to a 37% decline in home prices, mortgage rates dropping by 4 percentage points, or a 60% growth in median household incomes.

“Unfortunately, the upward shift in Treasury yields this week will likely make returning to ‘normal’ an even more challenging target to hit,” Walden said.

OK, so…what do we do?

We’re in a tight spot, yes, but it is, hopefully, a transition phase. After all, as the old maxim goes, the best cure for high prices is high prices.

“The sudden, rapid increase in bond yields will dissuade business investment and spending, which threatens to knock the US economic expansion off course in a way that the Federal Reserve’s well-communicated incremental rate hikes did not,” Moody’s researchers said in a note.

The yield surge is sorta doing the Fed’s work, in other words. Fed Chair Jerome Powell even acknowledged as much last week.

Wall Street appears to agree, and investors are betting that the central bank will keep interest rates steady at its policy meeting next week. For those keeping track at home: The Fed’s two-day meeting starts, appropriately enough, on Halloween.

Enjoying Nightcap? Sign up and you’ll get all of this, plus some other funny stuff we liked on the internet, in your inbox every night. (OK, most nights — we believe in a four-day work week around here.)

Source: cnn.com

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This Conventional loan update got buried in Fannie Mae’s other bulletins, and it’s worth calling out.

If you’re not yet familiar with automated underwriting systems (AUS), all lenders submit your electronic loan file to AUS for a real-time decision (with rare exceptions). Human underwriters are required for final approval, so they come in later.

DU is Desktop Underwriter, which is the main AUS for approving Conventional loan files. This update relates to new logic programmed into DU over the weekend of November 18th.

There are a couple of updates, with the most notable directed to multi-unit home buyers purchasing a Primary residence. Whether using a standard Conventional loan or HomeReady (income caps), this update is split between two scenarios: 2 unit and 3-4 unit.

  • For 2 unit purchases the required down payment relaxes from 15% to 5%.
  • 3-4 unit purchase transactions get an even bigger gift. Previously requiring 25% down, these transactions only require 5% down.

That is, 5% becomes the minimum down payment, standardized across all 2-4 unit owner-occupied purchase transactions.

While that’s specific to multi unit properties, there are plenty of programs that require 3% or less for 1 unit purchases (USDA, for one).

Since this change was smothered in other bulletins, your preferred lender might not know about it but we’ve got your back. Here is the official announcement (PDF): DU Version 11.1 Nov Update

Get a head start on your competing multi-unit home buyers! Many buyers with 5% down will contemplate changing search criteria from 1 unit to 1-4 units.

Since this update takes effect on 11/18/23, leverage your advanced knowledge of these new guidelines to rework your financing scenario. Mortgage News Daily’s calculators are always hungry for numbers, so please feed them.

Sorry, investment property buyers. I don’t have any guideline updates for investors just yet. Stay tuned.

Source: mortgagenewsdaily.com

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Traders work on the floor of the New York Stock Exchange (NYSE) in New York City, U.S., August 29, 2023. REUTERS/Brendan McDermid Acquire Licensing Rights

NEW YORK, Oct 19 (Reuters) – Relentless selling of U.S. government bonds has brought Treasury yields to their highest level in more than a decade and a half, roiling everything from stocks to the real estate market.

The yield on the benchmark 10 year Treasury – which moves inversely to prices – briefly hit 5% late Thursday, a level last seen in 2007. Expectations that the Federal Reserve will keep interest rates elevated and mounting U.S. fiscal concerns are among the factors driving the move.

Because the $25-trillion Treasury market is considered the bedrock of the global financial system, soaring yields on U.S. government bonds have had wide-ranging effects. The S&P 500 is down about 7% from its highs of the year, as the promise of guaranteed yields on U.S. government debt draws investors away from equities. Mortgage rates, meanwhile, stand at more than 20-year highs, weighing on real estate prices.

“Investors have to take a very hard look at risky assets,” said Gennadiy Goldberg, head of U.S. rates strategy at TD Securities in New York. “The longer we remain at higher interest rates, the more likely something is to break.”

Fed Chairman Jerome Powell on Thursday said monetary policy does not feel “too tight,” bolstering the case for those who believe interest rates are likely to stay elevated.

Powell also nodded to the “term premium” as a driver for yields. The term premium is the added compensation investors expect for owning longer-term debt and is measured using financial models. Its rise was recently cited by one Fed president as a reason why the Fed may have less need to raise rates.

Here is a look at some of the ways rising yields have reverberated throughout markets.

Higher Treasury yields can curb investors’ appetite for stocks and other risky assets by tightening financial conditions as they raise the cost of credit for companies and individuals.

Elon Musk warned that high interest rates could sap electric-vehicle demand, which knocked shares of the sector on Thursday. Tesla’s shares closed the day down 9.3%, as some analysts questioned whether the company can maintain the runaway growth that has for years set it apart from other automakers.

With investors gravitating to Treasuries, where some maturities currently offer far above 5% to investors holding the bonds to term, high-dividend paying stocks in sectors such as utilities and real estate have been among the worst hit.

Reuters Graphics

The U.S. dollar has advanced an average of about 6.4% against its G10 peers since the rise in Treasury yields accelerated in mid-July. The dollar index, which measures the buck’s strength against six major currencies, stands near an 11-month high.

A stronger dollar helps tighten financial conditions and can hurt the balance sheets of U.S. exporters and multinationals. Globally, it complicates the efforts of other central banks to tamp down inflation by pushing down their currencies.

For weeks, traders have been watching for a possible intervention by Japanese officials to combat a sustained depreciation in the yen, down 12.5% against the dollar this year.

“The correlation of the USD with rates has been positive and strong during the current policy tightening cycle,” BofA Global Research strategist Athanasios Vamvakidis said in a note on Thursday.

The interest rate on the 30-year fixed-rate mortgage – the most popular U.S. home loan – has shot to the highest since 2000, hurting homebuilder confidence and pressuring mortgage applications.

In an otherwise resilient economy featuring a strong job market and robust consumer spending, the housing market has stood out as the sector most afflicted by the Fed’s aggressive actions to cool demand and undercut inflation.

U.S. existing home sales dropped to a 13-year low in September.

Reuters Graphics

As Treasury yields surge, credit market spreads have widened with investors demanding a higher yield on riskier assets such as corporate bonds. Credit spreads blew out after a banking crisis this year, then they narrowed in subsequent months.

The rise in yields, however, has taken the ICE BofA High Yield Index (.MERH0A0) near a four-month high, adding to funding costs for prospective borrowers.

Volatility in U.S. stocks and bonds has bubbled up in recent weeks as expectations have shifted for Fed policy. Anticipation of a surge in U.S. government deficit spending and debt issuance to cover those expenditures has also unnerved investors.

The MOVE index (.MOVE), measuring expected volatility in U.S. Treasuries, is near its highest in more than four months. Volatility in equities has also picked up, taking the Cboe Volatility Index (.VIX) to a five-month peak.

Reporting by Saqib Iqbal Ahmed; Writing by Ira Iosebashvili; Editing by Stephen Coates

Our Standards: The Thomson Reuters Trust Principles.

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Source: reuters.com

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Demand for home decor products is surging as people are inclined to show their creativity through DIY activities. Consumers prefer sustainable options to decorate their home interiors because of growing concerns about environmental impacts.

NEWARK, Del, Oct. 05, 2023 (GLOBE NEWSWIRE) — The home decor market is projected to register a valuation of US$ 216,291.4 million in 2023 and reach up to US$ 394,715.7 million by 2033. The global market is securing a CAGR of 6.2% during the forecast period.

Get your Sample Report: https://www.futuremarketinsights.com/reports/sample/rep-gb-4831

Manufacturers are Designing Customized Home Decor Solutions 

Manufacturers are designing customized home decor solutions as per consumers’ expectations. They are offering personalized, durable, and unique options with eco-friendly practices. Some of the customized solutions for home decor are as follows:

  • Personalization: Manufacturers offer personalized home decor products, including high-quality material, custom color, and concise designs. They are also offering interior design as per consumers’ tastes and preferences.

  • Modular and Configurable Furniture: Manufacturers provide customized, fit, and layout modular furniture systems of different sizes. They are also adapt to change as per customers needs.

  • Custom Upholstery: These custom upholstery furniture, including chairs, sofas, tables, and beds, are offered by manufacturers as per customers’ selection. Consumers widely prefer these for their creative home decor.

  • Artful Decor: Consumers are fond of creativity and artwork. They desire high-end manufacturers to build bespoke furniture designs. The customers are also collaborating with special designers to create a specific piece of home decor.

  • Custom Lighting: Creating unique lighting solutions for home decor interior are rapidly growing to look lavish and breath-taking. They fix them according to size, design, and area.

  • Digital Tools: Manufacturers offer digital tools to their customers. Through these tools, customers can finalize their products by visualizing them.

  • Tailored Textiles: Customized textiles are widely used for home decor, including cushions, curtains, and bedding. They seek aesthetic fabrics to match their home decor for specific areas.

“Social media platforms’ influence on home decor is rapidly fueling the industry. The adoption of DIY culture and smart home integration solutions is at its peak for renovating houses with environmental awareness,” Opines Sneha Verghese, Senior Consumer Goods and Products Consultant at Future Market Insights (FMI).

Key Takeaways:

  • The home decor market is registering a CAGR of 6.2% between 2023 to 2033.

  • The United States is expected to register a maximum CAGR of 26.4% by dominating the global market by 2033.

  • Japan is anticipated to capture a CAGR of 6.4% in the global market by 2033.

  • The United Kingdom significantly drives the global market with its vintage home decor, with a CAGR of 2.5%.

  • With a CAGR of 4.6%, Germany is rapidly advancing the global market.

  • Home furniture is estimated to lead the global market by 2033 based on product type.

Access the Complete Report Methodology Now! https://www.futuremarketinsights.com/request-report-methodology/rep-gb-4831

Key Players Are Capturing Huge Revenue in the Global Market

Key players are offering affordable home decor solutions as per consumers’ requirements. They are capturing significant revenue through their innovations and product improvements. Key players are adopting various marketing methods to bring new ideas to the table to highlight the market share. These marketing tactics are mergers, acquisitions, collaborations, product launches, and agreements.

These players offer online home decor products, hand-made products, and sustainable products of growing concerns about the environmental crisis. They are targeting genuine consumers to boost sales. Key players are taking relevant feedback from their customers to improve their silly gaps and offer high-quality products to them.

Key Companies in the Home Decor Market:

  • IKEA

  • The Home Depot

  • Williams-Sonoma, Inc.

  • Wayfair

  • Ethan Allen

  • Crate & Barrel

  • Bed Bath & Beyond

  • Ashley Furniture Industries

  • RH (Restoration Hardware)

  • Herman Miller

  • Pier 1 Imports

  • La-Z-Boy

  • Crate and Barrel

  • Anthropologie

  • Houzz

  • Overstock.com

  • Tempur Sealy International

  • Surya

  • Z Gallerie

Recent Developments in the Home Decor Market

  • In 2022, Home24 announced its new expansion of its business portfolio in seasonal products and home textiles.

  • 2021 Herman Miller Inc. acquired Knoll Inc. to design advanced home decor.

About the Consumer Product Division at Future Market Insights (FMI)

Future Market Insights (FMI) consumer product team offers comprehensive business intelligence services, with a vast array of reports and data points analyzed across 50+ countries over a decade. The team provides consulting services and end-to-end research, offering expert analysis, actionable insights, and strategic recommendations to clients worldwide. Contact them to explore how they can assist with your unique business intelligence needs.

Unlock Strategic Knowledge: Get Instant Access to Our Detailed Report: https://www.futuremarketinsights.com/checkout/4831

Key Segments in the Home Decor Market

Product Type:

Distribution Channel:

  • Retail Stores

  • Direct to Consumer

  • Manufacturer Stores

  • E-commerce Stores

  • Discount stores

  • Rental Stores

  • Club Stores

  • DIY Stores

Application:

  • Indoor

  • Outdoor

  • Other Applications

Region:

  • North America

  • Latin America

  • Europe

  • Japan

  • APEJ

  • MEA

Author

Sneha Varghese (Senior Consultant, Consumer Products & Goods) has 6+ years of experience in the market research and consulting industry. She has worked on 200+ research assignments pertaining to Consumer Retail Goods. 
Her work is primarily focused on facilitating strategic decisions, planning and managing cross-functional business operations, technology projects, and driving successful implementations. She has helped create insightful, relevant analysis of Food & Beverage market reports and studies that include consumer market, retail, and manufacturer research perspective. She has also been involved in several bulletins in food magazines and journals.

Explore FMI’s Extensive Ongoing Coverage in the Consumer Product Domain

Wall Décor Market Size: The wall décor market is estimated to be valued at US$ 60.15 billion in 2023 and is expected to reach US$ 85 billion by 2033. The adoption of wall décor is likely to advance at a CAGR of 3.5% during the forecast period.

Teen Room Décor Market Share: The global teen room décor market is expected to register a staggering double-digit CAGR of 4% by garnering a market value of US$ 147 Billion.

Aquarium Decor Market Demand: The aquarium decor market is estimated at US$ 2,648.2 million in 2023 and is projected to reach US$ 4,313.6 million by 2033, at a CAGR of 5.0% from 2023 to 2033. The aquarium decor market share in its parent market is 2% to 6%.

Wall Art Market Trends: The global wall art market size is expected to top a valuation of US$ 94.8 billion by 2033. It is set to witness a CAGR of 5.4% in the review period 2023 to 2033.

Wall Covering Products Market Analysis: The wall covering products market is projected to register a CAGR of 4.5% during the forecast period. It is likely to rise up from US$ 31.3 Billion in 2021 to reach a valuation of US$ 50.8 Billion by 2032.

About Future Market Insights (FMI)

Future Market Insights, Inc. (ESOMAR certified, recipient of the Stevie Award, and a member of the Greater New York Chamber of Commerce) offers profound insights into the driving factors that are boosting demand in the market. FMI stands as the leading global provider of market intelligence, advisory services, consulting, and events for the Packaging, Food and Beverage, Consumer Technology, Healthcare, Industrial, and Chemicals markets. With a vast team of over 5000 analysts worldwide, FMI provides global, regional, and local expertise on diverse domains and industry trends across more than 110 countries.

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Future Market Insights Inc.
Christiana Corporate, 200 Continental Drive,
Suite 401, Newark, Delaware – 19713, USA
T: +1-845-579-5705
For Sales Enquiries: [email protected]
Website: https://www.futuremarketinsights.com
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Source: finance.yahoo.com

Apache is functioning normally

Apache is functioning normally

Do you want to sell printables online and make extra money? If so, you may be interested in learning about one of the most popular printables courses out there – Gold City Ventures E-Printables course. In this Gold City Ventures Review, I will help you learn everything that you can about this course so that…

Do you want to sell printables online and make extra money? If so, you may be interested in learning about one of the most popular printables courses out there – Gold City Ventures E-Printables course.

In this Gold City Ventures Review, I will help you learn everything that you can about this course so that you can decide if you should take it or not.

Gold City Ventures E-Printables course is one of the best printables courses out there, and it has a lot of positive reviews. But, is it for you? Continue reading to learn more!

Please click here if you want to sign up for the E-Printables course.

Key Takeaways

  • Selling printables on Etsy can be a great side hustle because you just need to create them once, and you can sell them an unlimited amount of times.
  • Gold City Ventures E-Printables course will teach you how to create, market, and sell digital files on Etsy for passive income.
  • This course is for you if you’re looking for a fun and profitable side hustle selling printables online.
  • You don’t need previous graphic design skills or to be tech-savvy in order to start this side hustle – this course is great for beginners.
  • You can sell printables on other sites too with what you learn from this course, such as at Teachers Pay Teachers.
  • There is a free workshop: Earn Money Selling Printables.
  • The Gold City Ventures course cost is $247.

Do you want to make money selling printables online? This free training will give you great ideas on what you can sell, how to get started, the costs, and how to make sales.

Gold City Ventures E-Printables Course Review

What are e-printables?

E-printables are a type of digital product that you can create and sell online. They are design files that customers can purchase and then print at home or use digitally.

You’ve probably used a printable before and so have many others. The printable business is very popular right now, and many people use printables every single day.

You can make printables for all sorts of things, like holidays (such as Valentine’s Day, Halloween, and Christmas), baby showers, bachelorette parties, birthday celebrations, greeting cards, a habit tracker, calendars, educational resources, grocery shopping, a meal planner, digital planners, party invitations, jar labels, gifts, and more.

Once you decide what to sell (which this course will definitely help you do), and after you’ve finished designing them (which the course will also help you do), you can sell them on platforms like Etsy or your own website. When someone makes a purchase, you earn money without having to physically make or ship anything.

If you want to learn how to make and sell e-printables, courses like the Gold City Ventures E-Printables course can teach you step-by-step. They’ll show you important skills like designing, marketing, and selling online so you can have a successful e-printables business.

Recommended reading: How I Make Money Selling Printables On Etsy

Why sell printables on Etsy?

Selling printables on Etsy is a popular way for people like you to earn money with minimal effort. Once you create and list your designs, you can keep earning from repeat sales without doing more work.

This means that this can be a great way to make passive income. If you make a popular printable and set up your shop to be easily found in searches, it can keep making sales over time without needing a lot of extra work.

This means that you can choose when to work and can do it from anywhere with internet access. This can be especially great for people who want a part-time job or to work from their own homes.

Plus, making and selling printables doesn’t have actual materials for you to buy or the need to spend money on shipping. This leads to earning more money compared to selling physical items as you’ll have low expenses.

Etsy also has a big audience, which makes it a great place to sell your printables.

What is Gold City Ventures?

Gold City Ventures could be exactly what you need to learn how to generate passive income. If you’ve ever thought about selling printables on Etsy, then the Gold City Ventures E-Printables course can help you turn this into a fun way to make extra money from home.

Gold City Ventures is a website that sells a full training course that teaches you how to earn money by selling printables online.

Cody Berman and Julie Berninger, the founders, created this course to help others learn from their own successful experiences in running Etsy shops and making money online.

Julie makes over $1,000 per month in her Etsy shop, The Swag Elephant, and Cody was hooked on printables since earning over $700 in passive income in one week while on a ski vacation.

Some of the success stories from people who have taken this course:

  • Sasha H. is an accounting professional and mother of two who sells budgeting printables to help families reach their money goals. Ever since taking the course, she has made over 10,000 sales in her printables store.
  • Jen G. took the course in 2019 and since then has made over 7,200 sales with her online shop.

What’s in Gold City Ventures?

Below, I will be talking about what is in the E-Printables course.

What’s included in the Gold City Ventures E-Printables course?

The E-Printables course by Gold City Ventures is designed to teach you everything you need to create and sell digital products on Etsy.

This course comes with step-by-step instructions on how to make money selling printables, from brainstorming what to sell all the way to listing your printable on Etsy. This course will teach you what to do, even if you are brand new. The course also comes with free templates which will reduce the amount of time you spend creating printables, as they give you over 30 done-for-you templates for Canva that you can just make small edits to and then list in your shop quickly.

Even if you are brand new to graphic design, this course will teach you everything that you need to know.

The modules included in the Gold City Ventures E-Printables side hustle course are:

Module 1: Getting Started – This module is an introduction to the course and gives you an overview of what you will learn.

Module 2: What Should You Sell? – These lessons will give you background information on what exactly a printable is, over 50 printable ideas, and more.

Module 3: Getting Started Making Printables – These lessons will teach you how to start making printables and includes finding fonts and pictures and a seller handbook.

Module 4: Canva Overview – This module gives you an overview of Canva, which is a graphic design tool that you will use to make printables.

Module 5: How To Make Printables With Canva – You will learn how to create a design in Canva in this module, as the module name suggests. You will learn how to use their Canva templates, how to make thank you cards, gift tags, coupons, and more.

Module 6: How To Make Canva Templates – This module will teach you how to make templates that you can sell.

Module 7: Creating Editable Printables With Corjl – These lessons will teach you how to use a different graphic design tool to create editable printables that you can sell.

Module 8: Packaging Your Printable – This module will teach you how to package your printables for sale as well as best practices.

Module 9: Making Listing Images – These lessons will show you how to make listing images, such as what a person sees when they search on Etsy for a product. This will be the image that entices them to click on your printable listing.

Module 10: Listing Your Product – These lessons teach you how to start your shop, how to list your product, how to decide what to sell a printable at, and more.

Module 11: Keyword Research Tools – This module will help you create better searchable listings for your products, such as how to do keyword research and all about Etsy SEO.

Module 12: Marketing And Advertising – These lessons go over coupons and sales, how to promote your printables on Pinterest, and more.

Module 13: Optimizing Your Shop – This module teaches you how to improve your sales, find a niche, and see success.

Module 14: Etsy Sellers App – This module goes over the Etsy Sellers App, how to monitor orders, and how to talk with customers.

As you can see, there are many helpful modules and lessons included in this course.

On top of all of that, you will also learn their seasonal product strategy. One of the reasons why students in this course make sales so quickly is because they follow their seasonal product strategy. They fully outline their seasonal trends strategy including all of the tools and resources you need. Some students have even made sales on their first day in the course with their Etsy printables business.

How much is the Gold City Ventures course?

The Gold City Ventures E-Printables course costs $247.

There are free resources that can help you get started, too, such as the free workshop: Earn Money Selling Printables. This free workshop will teach you how to get started selling printables. You will learn different ideas for printables to sell, how to get started on Etsy, and how to actually make sales.

Also, you can sign up for this free ebook that helps you figure out where to start when it comes to selling printables on Etsy. This can be a great way to get started and learn how to sell digital downloads on Etsy.

Who is the Gold City Ventures course for?

The Gold City Ventures course is for people who want to make money selling printables. It doesn’t matter if you’re new to digital design or already sell on Etsy. This course gives you helpful tips to do well in the e-printables market.

This course is for you if:

  • You want a fun and money-making side job by selling printable items on the internet.
  • You’re a creative person looking for a way to create passive income.
  • You want to make a few hundred (or thousand) extra dollars each month.
  • You want to work from home.

Pros and Cons of Gold City Ventures E-Printables Side Hustle Course:

Pros:

  • This course covers everything you need to know about making and selling printables.
  • The course was created by experienced Etsy sellers Julie Berninger (from the popular blog Millennial Boss) and Cody Berman (a well-known financial independence retire-early expert). There are also very helpful successful printables experts who are in their support group answering questions.
  • Helps jump-start your Etsy shop with actionable steps (there’s no fluff in this course – they teach you step-by-step).
  • You can possibly earn over $1,000 per month selling printables after taking a printables course.

There really weren’t any cons that I found in the course. But, some things to know include:

  • You must be willing to invest time and effort to learn and apply the course material as there are a lot of modules and lessons.
  • The course does have a cost. It is relatively low, though, at $247.

VIP Membership perks

One of the best parts about the E-Printables course is the bonus you get.

When you buy the course, you get a free trial of their VIP Membership for 30 days, and it starts right after you make the purchase.

The VIP Membership comes with two important things: 1) Their special Facebook group for VIPs, and 2) The VIP Membership Vault.

In the VIP Facebook group:

  • They organize live Q&A sessions, strategy talks, and virtual chats.
  • They hold monthly sessions where you can get help with graphic design to make your printables look even better.
  • You have daily access to three experienced experts in their paid group, each with a track record of thousands of printables sales on Etsy.
  • They will answer all your questions and respond to your requests for feedback on your shop.

And more.

The VIP Membership Vault comes with:

  • 100+ bonus videos including guest interviews, technical training, and advanced strategies
  • 5 brand new template packs you’ll receive every month that you can use for free in your business
  • Behind the scenes with 6- and 7-figure printables sellers

Even if you don’t have Facebook, you can still access this. Their live events are shared afterwards to the VIP Vault, and you can watch the video replay.

If you decide to continue with the VIP Membership after the initial 30 days, there will be a monthly charge of $29 until you reach 100 sales. They celebrate their “100 Sales Club” members at Gold City Ventures, and you’ll get a special prize sent to you by mail, along with a complimentary VIP Membership.

Note: You are not required to have the VIP Membership, and you can cancel it whenever you want. You’ll always have access to the E-Printables course itself, no matter what.

Refund policy

There is a 7-day refund policy as long as you don’t go past Module 1. If the course isn’t for you, they will give you a full refund, but you will want to make sure that you stay within this limit.

Gold City Ventures reviews and success stories

As you learn more about Gold City Ventures, you’ll see that lots of people have done well with their E-Printables course. This course shows you step-by-step how to make and start your own printable business. It can be a great way to make extra money on the side or even as a full-time job if you’re willing to work hard.

Many students have talked about how much they liked the course. They’ve gone from making their first printable on Etsy to earning a steady income from their online store. There are lots of success stories. People think the course materials are well-organized, easy to use, and packed with helpful advice and techniques.

Some of the things about the E-Printables course that students like include:

  • The course material covers everything, from creating printables to promoting your products.
  • There’s a kind and helpful community of fellow learners and teachers.
  • You get useful tools and resources to improve your Etsy listings and increase your sales.
  • You have a chance to make passive income with what they teach you.

A lot of people have discovered that investing in the Gold City Ventures E-Printables course is a great step in their printables business journey. Remember to think about your own goals and situation when looking at the success stories and reviews. This will help you decide if this course is the right choice for you.

You can read all of the success stories here to see what real people think of the course.

Frequently Asked Questions About Gold City Venture’s E-Printables Course

Below are answers to common questions about this course.

Do printables sell well on Etsy?

Yes, printables can sell well on Etsy. People search on Etsy all the time for printables, and I have done it as well. There is a lot of demand for creative and helpful printables on Etsy.

How much do people make selling printables on Etsy?

There is not an average that people make by selling printables on Etsy. This is because there are so many factors, such as what a person is selling, how many printable designs they have created, what they are doing to market their printables, and more.

Some sellers may make a few hundred dollars per month, while others could earn thousands. It’s important to remember that building a successful Etsy shop takes time and hard work.

How much does the Gold City Ventures course cost?

The E-Printables course costs $247.

How can I access the free workshop?

Free Training Workshop: Earn Money Selling Printables. This free workshop will teach you how to get started selling printables. You will learn different ideas for printables to sell, how to get started on Etsy, and how to actually make sales.

How long does it take to complete the course?

The Gold City Ventures E-Printables course is a self-paced program, so it might take a few days or weeks to complete the course, depending on your learning pace and available time. The average is around one month to complete the course.

What is the best printables course?

The best printables course depends on your individual needs and learning preferences. Gold City Ventures is one option that has received positive reviews and focuses on creating passive income through Etsy. This is the printables course that I highly recommend, as it is well-rounded and teaches you everything that you need to know right from the very beginning!

Is Gold City Ventures worth it?

The worth of Gold City Ventures relies on what you want to achieve. If you’re interested in learning how to make money passively on Etsy with printables, this program could be a good investment. It teaches both design and marketing strategies that have helped many people succeed.

Gold City Ventures Review: E-Printables Course Review

I hope you enjoyed this Gold City Ventures Review.

The Gold City Ventures E-Printables course will teach you how to make printables, even if you have no experience. This can help you to make extra money, even over $1,000 per month, as well as passive income.

E-printables are digital files that customers can buy, download, and print themselves, either at home or at a print shop. This market has seen a big increase in popularity in recent years as more people look for affordable and customizable options for things like home decorations, planners, and party supplies.

Gold City Ventures shows you how to make, promote, and sell your own printables on Etsy, taking advantage of this growing market and potentially earning you passive income.

Gold City Ventures might not be a perfect fit for everyone, but if you’re motivated, creative, and willing to put in effort, it could help you to make money from home. The course has detailed video tutorials and useful lessons designed to help you get into e-printables and selling on Etsy, even if you’re just beginning. Plus, hearing success stories and feedback from those who have completed the course can give you a lot of inspiration and ideas for your own entrepreneurial journey.

Please click here to learn more about the E-Printables course.

Are you interested in selling printables online?

Recommended reading:

Source: makingsenseofcents.com

Apache is functioning normally

Apache is functioning normally

Lenders and vendors are seeking guidance from the Federal Housing Finance Agency on what the expense involved in its congressionally-mandated credit score update will be and how to manage it, but an FHFA adviser recently said that’s a question the industry itself must answer.

“Are there ways to mitigate costs? Frankly, you’re all going to know better than me or any of my colleagues at FHFA how to go about doing that,” Dan Fichtler, senior adviser, capital markets, when asked about this at the Mortgage Bankers Association’s annual convention.

He encouraged stakeholders to offer feedback that the FHFA could design policy around, which was in line with the agency’s tendency to respond to concerns about policies that affect the two mortgage investors it oversees by asking for direction on how critics think the matter should be handled.

But providing input on the issue is tough for lenders and vendors given that the move from one older score to two newer ones is still somewhat open-ended.

The version of the subject-to-change timeline for the transition — currently set for completion by the fourth quarter of 2025 — confirms its end goal is a move to two updated scores from a single older one with optional flexibility to pull two reports rather than three.

Shawn Jobe, vice president and head of business development, Informative Research (left); Piper Beveridge, vice president, strategic relations, ICE Mortgage Technology; and Dan Fichtler, senior adviser, Federal Housing Finance Agency at the MBA’s 2023 annual convention.

That fact that lenders have recently been through a score price hike, and may have to juggle potentially three credit metrics of that type during the transition has made the industry wary of the future costs, even with the potential savings from dropping one of the three reports.

While dropping a report could be efficient on its face and the FHFA and Standard & Poor’s have said they find the difference between two and three negligible, one credit bureau recently pushed back with research questioning whether that’s true for individual borrowers.

There are still a lot of uncertainties on implementation that may play into costs, like how to manage the two-step process involved in vetting the new score data before using it, said Shawn Jobe, head of business development, Informative Research.

“The enterprises need to start seeing this data. So they’re really looking to develop a milestone that will be just around the capturing of the information itself, versus actual utilization of it,” said Jobe, who moderated the panel.

Adding further complication to figuring out the costs is the fact that credit scores and reports expenses are embedded throughout the full span of the mortgage process from origination to servicing, said Piper Beveridge, vice president, strategic relations, ICE Mortgage Technology.

“There’s at least 30 integrations with our partners that need to be updated,” she said.

Counterparties that work with lenders, such as mortgage insurers, also will need to vet the new score changes and data, Beveridge said.

“That’s not to say this can’t be done … this is more of an exercise of saying this isn’t as simple as just adding a score and dropping a bureau,” Beveridge said.

FICO, the provider of the “classic” score Fannie Mae and Freddie Mac have used and one of the advanced credit metrics they’re moving to, 10T, can provide data that users can vet for governance purposes, said Joanne Gaskin, a vice president at the company.

VantageScore, the provider of the 4.0 credit metric that Fannie and Freddie also will be using in the future, was not represented on the panel and was not immediately available for comment. VantageScore has ties to the credit bureaus but says it operates separately from them. 

Concern that the switch to the two advanced scores or reduction in the number of credit reports allowed could create a separation between what Fannie and Freddie require and the rest of the market does was another theme in discussions during the panel. 

“Fannie and Freddie only are going to buy scores that are part of their underwriting guidelines, and which make up about 60% of the volume that has generally been in the mortgage origination space. So that means that there’s 40% of the market still out there,” Gaskin said.

Lenders don’t always know who the end-investor for the mortgages they originate will be when they pull credit, so the bifurcation could create challenges in terms of choosing which measure to use, one questioner noted in asking whether other government programs will update scores.

No representatives from agencies like the Federal Housing Administration or Department of Veterans Affairs were present on the panel, but Jobe said he was aware they’d had discussions about the number of credit reports they’d require.

“They’re still going through an analysis of looking at whether or not they will use a tri-merge or bi-merge. The initial thought right now is that they’re going to continue to use a tri-merge, but they would accept a bi-merge in this scenario where one bureau may be unavailable,” he said.

While adoption is easier with a common standard for all loans, a lender in the private market can implement advanced credit scores without waiting for a broader change in policy if they choose. This may be particularly accessible to a portfolio lender.

“Sometimes people in the mortgage market think that they can’t do anything outside of Fannie-Freddie guidelines, but if you can do portfolio you can use whatever you like,” Gaskin said in an interview with this publication.

So long as their costs aren’t prohibitive, advanced scores designed to make it possible to size up more borrowers than traditional measures can be attractive to lenders contending with market conditions that have reduced their leads for new loans.

Lack of credit history has been a significant barrier to obtaining a home loan, second only to the inability to achieve a low enough debt-to-income ratio, according to an iEmergent analysis of 2022 Home Mortgage Disclosure Act data presented during a separate panel.

Making more modern scores available could help loan officers avoid conversations with borrowers about needing to make their credit history look more in line with traditional measures, communication about which can hurt chances to make loans if not done correctly.

A term like  “credit repair” can be a turnoff because it suggests a borrower is damaged in some way, Mosi Gatling, sales manager at LoanDepot, said during the panel on ways to reach more first-time homebuyers.

Source: nationalmortgagenews.com