Proximity to Pittsburgh and great cost of living make Braddock stand out.
Braddock, Pennsylvania (PA), located in Allegheny County, carries a storied past. As a town nestled near Pittsburgh, Braddock offers a slice of small-town living near urban conveniences. However, just as with any city, the consideration of relocating to Braddock requires a careful examination of various facets of living conditions. This article delves into the various factors that determine whether Braddock PA is a good place to live.
Demographics and racial makeup
The racial makeup of Braddock, PA, is diverse. A town rich in cultural heritage, it provides a multicultural environment which might be appealing for those looking for a vibrant community. The presence of diverse cultures contributes to the unique character of Braddock.
Crime and safety
A crucial factor when considering living in Braddock is the crime rate. Crime data indicates a mixture of violent crime and property crime that necessitates attention. The crime rates in Braddock can be compared using crime maps which provide a visualization of criminal activity in the area. These maps often show “red areas” where crime rates are higher. Violent crimes, although present, are relatively fewer compared to some nearby cities.
Comparatively, North Braddock, PA, has had its share of crime, which is something potential residents should be aware of. By contrasting crime data with other cities within Allegheny County and nearby cities, potential residents can get a better understanding of the crime landscape in this area.
Education and schools
Education is a significant concern for families considering living in Braddock. The town has several public schools that cater to the needs of the children residing here. However, the quality of education and the performance of schools in Braddock may vary, which is a common concern as seen in many towns.
Cost of living
Cost of living is a selling point for Braddock. It’s generally lower compared to the national average, which makes it an attractive option for individuals and families looking to save on living costs. The cost of housing, in particular, is lower than in many other cities in Pennsylvania.
Proximity to Pittsburgh
One of the pros of living in Braddock is its proximity to Pittsburgh. This closeness allows residents to enjoy the amenities and job opportunities present in a larger city while still relishing the quieter living conditions in Braddock.
However, it’s worth noting the cons of living in Pittsburgh, such as higher crime rates and a higher cost of living, which could indirectly impact the living conditions in Braddock.
Outdoor activities and healthcare
For those who fancy outdoor activities, Braddock has parks and is near rivers which provide a good opportunity for recreational activities.
One of the town’s highlights is the scenic Braddock Trail Park, which provides a serene natural setting for hiking, picnicking and birdwatching along the banks of the Monongahela River. Nearby, you’ll find the stunning Frick Park, a sprawling urban green space in neighboring Pittsburgh, perfect for hiking, biking and exploring wooded trails. Additionally, the Monongahela River provides opportunities for kayaking and fishing.
Moreover, access to health care is relatively easy with several health facilities located within a reasonable distance.
For example, the UPMC Braddock Hospital is a prominent healthcare institution in the area, offering comprehensive healthcare services, while nearby medical centers in Pittsburgh provide additional specialized care options for the community.
Economic conditions
The economic landscape in Braddock has seen changes in recent years. There are emerging opportunities for young professionals, although the business environment is still growing. The revitalization efforts within Braddock Hills and other neighborhoods have shown potential in elevating the economic status of Braddock.
Property and housing
The property scene in Braddock is fairly diverse, with a range of housing options available at costs lower than the national average. However, property crime is a concern, and potential residents should scrutinize crime maps to understand property crime rates and locations better.
Conclusion
Braddock, PA, carries a certain charm with its rich history, diverse cultural makeup, and proximity to Pittsburgh. However, considerations like crime rates, the quality of education and economic conditions play a pivotal role in determining whether it’s a great place for you to reside.
Ready to move to Braddock and enjoy views of the Allegheny Mountains? Take a look at our available apartments for rent here.
A home for sale in the Ashby Acres community in Phoenix on Sept. 6, 2023. (Photo by Kevinjonah Paguio/Cronkite News)
PHOENIX – High home sales prices and mortgage interest rates are squeezing out first-time home buyers from entering the market, especially as incomes have not kept up, housing experts say.
In 2020, the housing market was in a frenzy. High numbers of homes were selling, agents’ inventories were low and offers were frequently being made over list prices, said Jason Giarrizzo, a realtor with West USA Realty, who has been in the industry for 31 years.
Coming out of 2020, during the COVID-19 pandemic, the market continued to surge as people began buying real estate, Giarrizzo said. “We weren’t sure where the market was going to go, (if) it (was) going to plummet because of you know, the shutdown and everything, but it was quite the opposite.”
A balanced market in the Phoenix metropolitan area would have inventory levels of about 30,000 properties, Giarrizzo said, but by the end of 2021 inventory began to shrink to about 4,400 properties in the area.
Then, home prices hit a high and interest rates began to climb as the Federal Reserve started raising rates in an attempt to head off inflation. “In all my years of real estate, I don’t think I saw the inventory spike to the level that it did in such a short period of time. We went from 4,400 properties just coming into spring to almost 20,000 properties for sale by summer,” Giarrizzo said.
The downtown Phoenix skyline overlooks homes in the Willo Historic District in Phoenix on Sept. 6, 2023. (Photo by Kevinjonah Paguio/Cronkite News)
Now, the inventory is at about 13,000, which is still half of what a balanced inventory is for the Phoenix metropolitan area, Giarrizzo said.
As mortgage loan interest rates have risen, that frenzy has subsided, especially for the first-time buyers market, Giarrizzo said.
Mortgage loan interest rates vary widely based on factors such as the individual market, credit score of the buyer, price of the home, down payment, rate type, loan term and type.
The current average rate for a conventional 30-year fixed mortgage is at or below 8.063% for a $430,000 home in Arizona for a buyer with a credit score of 700-719 who puts 10% down, according to the Consumer Financial Protection Bureau.
Chris Giarrizzo, a mortgage loan officer at Lennar Mortgage, who has been in the industry for over 23 years and is married to Jason Giarrizzo, said many hourly workers are struggling to afford housing, whether it’s a home purchase, or even rent.
The median home sale price in the Phoenix metropolitan area in September 2023 was $435,700, according to Redfin, a real estate firm that tracks prices and trends.
“I actually wouldn’t say necessarily it’s a bad time to buy a home, it’s just a challenging time to buy a home,” Chris Giarrizzo said.
Although mortgage loan rates have been this high before, high sales prices are providing little relief to buyers, she said, and there’s no relief anticipated until possibly sometime next year.
The last time 30-year fixed mortgage loan rates reached 8% was in 2000.
It was a combination of people who moved to the state and people who had more disposable income following the pandemic shutdown that drove the market takeoff in the Phoenix metropolitan area in 2020, Chris Giarrizzo said.
“We weren’t out shopping and weren’t traveling, and so I’ll be honest, not only in my industry, but in several industries, people had said that they had never been as busy. … We were all working a lot of hours,” Chris Giarrizzo said.
A “perfect storm” of high demand, low interest rates and not enough inventory drove home values up, creating the frenzy of people paying over list price because there was so much competition, she said.
First-time homebuyers in the market
“You’ve got a lot of people that are just sitting on the sidelines right now, eager to jump in and buy their first home,” Chris Giarrizzo said.
Many people locked in low interest rates years ago, so even if it makes sense to move or downsize, they don’t, because they’ll be looking at interest rates of over 7%, Jason Giarrizzo said.
A February Realtor.com survey found that 82% of homeowners with existing low-rate mortgages feel “locked in.”
“Even though the frenzy is over, I don’t see a plummet in home values,” Jason Giarrizzo said. “We’re not going to see big spikes in inventory, I think, due to those people that have locked in on those low rates.”
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Interest rates will eventually fall, but when and by how much is hard to predict, Chris Giarrizzo said, noting rates under 3% were largely pandemic-driven and will probably not be seen again.
In August 2021, the 30-year mortgage rate hovered around 2.8%, according to data from the Arizona Regional Multiple Listing Service.
“If we can get rates back into the fours or fives (percent), I think we’ll see a start to return to a more balanced market,” Chris Giarrizzo said.
In northern Arizona, where Jason Giarrizzo also sells real estate, the properties are being sold more quickly and at much higher prices, although there is still low inventory. “I’ve been working more in that $1 million to $2.5 million range, and actually I’m seeing a lot of those deals go in cash,” he said.
But in Payson, and other nonluxury home markets in northern Arizona, the same housing squeeze is being felt, where the housing is largely unaffordable due to the combination of rates and list prices, Chris Giarrizzo said.
J Cruz, a 46-year-old Phoenix park ranger, started his home search two months ago and does not see a light at the end of the tunnel.
“Trying to find a good deal – that’s been very hard and challenging,” Cruz said. “Monthly mortgage payments are way too high for what I want, and it’s not feasible to pay that every month.”
He fixed his credit score, saved for a down payment and recently started the process of getting a home loan.
But mortgage interest rates are one of the things holding Cruz back. “I don’t want to get into a home that I can afford for a few months and not be able to afford two years from now,” he said.
Cruz is in search of a three-bedroom home in Phoenix, Peoria or Glendale, and even though he is a full-time city employee and has good benefits, he and many of his co-workers have part-time jobs to make ends meet.
“Even though we have a full-time job with the city, you know, in today’s economy it is still a little bit hard,” Cruz said.
New-build financing at interest rates lower than market rate is probably the best route for a lot of first-time buyers, especially if they are struggling to qualify, Chris Giarrizzo said.
Federal Housing Administration loans are available for first-time homebuyers, with down-payment options as low as 3.5%.
Zillow Home Loans is offering a 1% down payment incentive to buyers in Arizona to reduce the amount of time that it takes for eligible buyers to save.
The program is intended for buyers who have kept up with high monthly rent payments but have not been able to save for a down payment.
“I would just advise borrowers that the less down you’re putting, the higher your (monthly) payments are going to be,” Chris Giarrizzo said.
One of my concerns with higher rates has been whether new listings data would take another leg lower, which wouldn’t be a good thing for the housing market. Not only has that not happened, but we have had an orderly seasonal decline this year — outside some wild swings around Labor Day and schools starting.
This proves that we are trying to form a historical bottom in this data line, something I discussed earlier in the year on CNBC. As we can see in the chart below, it is very steady, considering how crazy rates have been lately.
One of the things I have gotten wrong in 2023 is my premise that if mortgage rates rose, the inventory growth would pick up for a few weeks, at least between 11,000-17,000. However, even with 8% mortgage rates last week, I am still batting a zero in 2023 as inventory growth last week was just 7,900.
Last year, the seasonal peak for inventory was Oct. 28. Last week, according to Altos Research:
Weekly inventory change (Oct. 13-Oct. 20): Inventory rose from 546,450 to 554,350
Same week last year (Oct. 14-Oct. 21): Inventory rose from 567,452 to 571,944
The inventory bottom for 2022 was 240,194
The inventory peak for 2023 so far is 554,350
For context, active listings for this week in 2015 were 1,171,430
Traditionally, one-third of all homes have price cuts all year long. When rates rise and demand gets weaker, the price cut percentage can grow. The price cut percentage in 2023 is still 4% below what we had in 2022, even with higher home prices and mortgage rates. Price cut percentages in recent years:
2023 38.5%
2022 42.5%
2021 28%
Mortgage rates and the 10-year yield
The bond market and mortgage rates have had such a wild ride recently, and it reminds me of the action during the first week of COVID-19 when we saw massive volume in buying treasuries. In the same vein, the bond market is now very oversold. However, more importantly, real yields are very restrictive for the economy now. In the last week, the 10-year yield went from 4.62% to 4.99%, ending at 4.92%.
I recently discussed on the HousingWire Daily podcast whether these rates are recessionary because the history of real yields being this restrictive has always led to a recession. Earlier in the year on CNBC I said that the Fed wouldn’t be satisfied until the labor market breaks. Even though the Fed has talked about no more rate hikes, now that the 10-year yield and mortgage rates are higher, they believe the monetary policy is restrictive enough to accomplish the goal they always wanted from the start: attack the labor supply.
Mortgage rates went from 7.66% to 8.03% last week to end at 7.97%. If the Fed wants to create a job-loss recession, attacking the housing market a second time looks like their target. They remain frustrated that the labor market is not breaking.
Purchase application data
Purchase application data was down 6% last week versus the previous week, making the year-to-date count 18 positive prints, 21 negative prints and one flat week. If we start from Nov. 9, 2022, it’s been 25 positive prints versus 21 negative prints and one flat week.
Of course, higher rates have made affordability worse; whenever rates move up or down by just one 1%, millions of potential homebuyers are qualified or not qualified to buy a home.
The week ahead: Home sales data and jobless claims
Next week, we have new home sales and pending home sales — which are at significant risk of a big miss. Jobless claims, of course, come out every Thursday and that has been the key data line for me at this expansion stage. Also, there are many variables worldwide, and who knows what the Fed will say. We will be tracking all the live data to keep you updated.
SALT LAKE CITY (KUTV) — After a major speech, many believe the U.S. Federal Reserve may press pause on hiking interest rates, but some fear that risks a resurgence of inflation.
When the fed raises rates it works to put downward pressure on inflation but also can cause higher mortgage rates and a weaker job market.
On Thursday, the Chairman of the Federal Reserve spoke ahead of a coming meeting that will decide if rate hikes will continue through the end of 2023.
During the speech, the stock market dipped and rose in reaction to what he said.
Earlier in the week one of feds board members said a wait and see approach is best right now.
Today it appeared that Chairman Jerome Powell might agree as he said, “Given the uncertainties and risks, and how far we have come, the Committee is proceeding carefully. We will make decisions about the extent of additional policy firming and how long policy will remain restrictive based on the totality of the incoming data, the evolving outlook, and the balance of risks.”
Powell didn’t outright say the fed won’t raise rates, but still many analysts have taken that as a likely message from Powell’s address.
If that is true, it may mean mortgage rates are unlikely to rise much higher through the end of the year.
Summerville, a picturesque town nestled in the heart of South Carolina, encapsulates a unique blend of southern charm, historic significance and modern convenience.
The overarching question — is Summerville, SC, a good place to live? — becomes easier to answer as one delves into the fabric of this quaint yet burgeoning locale. The aim of this article is to provide a well-rounded view of living in Summerville, the cost of living, employment opportunities and the social and cultural fabric that awaits newcomers and longtime residents alike.
Location, location, location
Summerville’s geographical positioning allows its residents to experience a plethora of sceneries and activities. Charleston Harbor is a mere 24 miles away, offering access to an expansive maritime vista, while a short drive to Folly Beach or Sullivan’s Island opens up a gateway to sun, sand and surf.
Demographic diversity in Summerville
The racial makeup of Summerville, SC, presents a mosaic of cultures, predominantly comprising white, Black, Latine and Asian communities, thus fostering a rich cultural blend. The inclusion of different ethnicities is a part of Summerville’s charm, allowing for a vibrant, multicultural community.
Historic significance
History aficionados would be drawn to Summerville’s rich history, with the town playing host to numerous historically significant sites. The Drayton Hall, Magnolia Plantation and the Aiken Rhett House Museum offer glimpses into the antebellum era and Civil War history.
Weather and natural disasters
While Summerville, SC, does experience hurricanes, the town has a solid infrastructure in place to manage and mitigate the effects of such natural disasters. Its inland location serves as a natural barrier, providing a level of protection against the harshest weather conditions.
Education and employment in Summerville, SC
Charleston Southern University, located a short drive away, is one of many educational institutions offering quality education to Summerville residents. The town also boasts a growing job market with varied employment opportunities, ensuring a stable economic outlook.
Recreational activities
The abundance of walking trails like the Oakbrook Nature Trail, and waterways such as Ashley River, provide ample recreational opportunities. The nearby Jessen Public Boat Landing is a favorite among boating enthusiasts.
Cost of living in Summerville
The cost of living in Summerville, SC, is generally lower than the national average, which is a significant draw for many. Housing, represented by a mix of historic homes, new construction, and Summerville homes in serene neighborhoods, is relatively affordable with the median home price being attractive to both young families and retirees.
Summerville’s real estate market
The real estate market in Summerville, SC is thriving, thanks to a boom in population growth and the subsequent demand for housing. Real estate agents are seeing an upward trend in property values, yet the cost of owning or renting a home remains affordable compared to many other regions in the South.
Culinary scene in Summerville, SC
The culinary palette in Summerville is as diverse as its populace. From smoked chicken to pork belly, ribeye steaks to fried green tomatoes, the food scene is a blend of traditional southern and modern cuisines. Restaurants and food trucks alike offer a wide range of food options, catering to different tastes.
Social aspects
Southern hospitality is alive and well in Summerville. The small town feel, coupled with the friendliness of Summerville residents, creates a welcoming environment. Community events like the Flowertown Festival are a testament to the town’s social cohesion, bringing together people from all walks of life.
Summerville’s growth trend
Summerville’s growth trend is a positive indicator of its viability as a place to live. The influx of more people, bolstered by opening doors of opportunity, is transforming the town while retaining its historic charm.
Conclusion
The blend of affordable living, a robust real estate market, promising job opportunities and a welcoming community makes Summerville, SC a great place to live. Its proximity to beaches, historic downtown Charleston and numerous tourist attractions, like the Folly Beach County Park, add to the allure.
Individuals and families considering moving to Summerville will find a balanced mix of historical essence, modern amenities, and a promising future. If you’re ready to make your move, take a look at our Summerville, SC, apartments for rent.
Inside: Do you want to make money online fast? If so, we’ll discuss the best digital products to sell on Etsy. By following these steps, you’ll be on your way to making money selling digital items quite easily.
Do you want to learn how to sell digital products on Etsy and make money through it?
Selling digital products offers an exciting avenue for generating passive income. With their low production and distribution costs, high profit margin, and potential for scalability, they stand as a lucrative business model for many entrepreneurs.
Moreover, once a digital product is created, it can continuously bring in revenue without the need for additional production costs, making it an appealing source of passive income.
The key to being a successful Etsy seller is to understand your chosen niche and what your audience wants.
We will dive into digital products you could sell on Etsy which range from arts & crafts to business materials.
This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.
What are Digital Products?
Digital products are items that are accessed and delivered electronically, examples of which include software, ebooks, online courses, digital music, video, and audio files.
These intuitive products offer the versatile benefit of being easily reproduced and instantly accessible on various devices, without the requirement of physical storage or shipping. Plus the world is moving towards becoming digital anyway.
In creating digital products, businesses aim to capitalize on customer appeal and convenient delivery, which often complement their physical goods or services.
Why Sell Digital Products on Etsy?
Selling digital products on Etsy offers an incredible opportunity to showcase and monetize your unique creations. With Etsy’s vast online marketplace and its millions of potential customers, it has become a preferred platform for artists, designers, and content creators.
Furthermore, it provides the flexibility to set your prices in accordance with the value you offer and experiment with different pricing strategies.
This is a hassle-free way to monetize your creativity. Here’s why:
You craft it once, it sells eternally: Digital products offer the ultimate advantage of a “create once, sell forever” model. Imagine sipping a cup of tea while your creation secures sales one after another.
Resource-friendly: Bid adieu to the restrictions of shipping, storage, or material costs. Instead, welcome the comfort of financial freedom and resource efficiency.
Everlasting stock: Digital products on Etsy never run out! Say goodbye to inventory issues and overselling, which makes it a smart choice for long-term business.
So, start now by creating an account, picking your digital product, setting up shop, and starting selling on Etsy. With no heavy fees and no botheration of shipping.
Just pure creative power leads to sheer earning happiness.
What digital products sell the most on Etsy?
Well, our data shows that digital prints, planners, stickers, fonts, and children’s educational materials are some of the best-selling categories netting serious cash on this creative marketplace. This information came from Cody and Julie – the founders of the e-Printables course.
Typically, seasonal content always does well on any platform. Same with current trends like the “Barbie” craze.
These products are a creative enthusiast’s goldmine owing to their limitless customization capabilities, instant delivery, and cost-effectiveness.
Wherein, most busy professionals, students, parents, and small business owners find them irresistible due to their convenience and adaptability to suit specific needs and tastes.
To learn more about selling on Etsy, I highly recommend connecting with Cody and Julie in their free webinar.
What digital download sells best on Etsy?
Among the myriad of digital products available,digital prints notably rank as one of the best-selling downloads on Etsy, closely followed by other popular items such as:
digital planners
logo designs
travel guides
business card designs
Lightroom presets
printable invitations.
A beautiful synergy of convenience, utility, and aesthetics, that can be printed at home or in a local print shop, whenever you wish. Perfect for last-minute gifters, DIY décor enthusiasts, or anyone looking for hassle-free beautification!
So, staying in the game, consistently monitoring market trends, and adapting accordingly is the key to successfully selling your digital prints on Etsy.
Best Digital Products to Sell on Etsy
The best digital products to sell on Etsy depend upon various factors, such as your skills, customer interests, and specific market trends.
It is also important to keep an eye on high-sales products, check positive reviews, track favorites, and note recurring themes to understand what customers are looking for and to guide your digital product offerings. This is a quick way to make 300 dollars fast.
Here are the examples of some of the best digital products you might want to sell on Etsy:
1. Printable or Digital Planners
You’ve hit the jackpot if you’re contemplating selling printable or digital planners on Etsy. Some people might say digital or printable planners are seasonal but due to the high demand and flexibility, it could be the golden goose for your marketing on Etsy.
Buyers love and enjoy the tailored usability offered by printable planners, which they can customize to their requirements and physically pen in their plans.
You can supply this demand by offering a large variety and aesthetically pleasing designs.
Tip: Try bundling in different types of stickers for a snappier offer.
2. Craft Patterns
Craft patterns are a top-ranking digital product on Etsy, thanks to a revival of all things crafty!
From knitting and crocheting to sewing and embroidery, these digital masterpieces cater to the abundant trend-setters and hobbyists who frequent Etsy.
To truly get your digital craft patterns thriving on Etsy, remember to follow the trail blazed by successful pattern sellers like these Etsy sellers. These crafts start from an average selling price of $10, making them a lucrative venture for creatives.
Lastly, don’t forget to unleash SEO magic – get your product seen by the right people especially when creating a sewing pattern or crochet pattern. This can be your missing element for transforming hard work into hard sales!
3. Children learning materials
Looking for a profitable side gig? Selling children’s learning materials on Etsy is wildly popular and well-needed especially for those homeschooling.
Parents and teachers are snapping up digital educational resources. By marketing printable lesson plans, colorful flashcards, and engaging worksheets, parent is hyped to supplement their children’s education.
This is a great summer job for teachers because your educational resources might just be the next best-seller on Etsy.
Crack open those lesson plans, as your Etsy store awaits.
4. Wallpapers
On Etsy, phone wallpapers are the new moneymaker. Provide colorful ways for customers to personalize their devices, these digital beauties are a hot ticket item.
To catch the widest net, cater to both phone and desktop users. You must keep up with trends. Also, creating wallpapers for Apple watches and other high-tech gadgets or themed designs for holidays is always a hit.
It’s a simple concept: stylish wallpapers have an average selling price of around $3-4.
5. Calendars
Venture to sell digital business calendars guarantees a steady demand, as planning isn’t just a phase – it’s woven into the fabric of daily life. To get started, unlock your artistic prowess with any digital art program like Adobe Photoshop or Canva.
Begin creating your unique touch on calendars, ensuring they’re editable pre-print- a clear selling point. Remember, quality trumps all – prioritize visually appealing designs with user-friendly formats.
Time to turn dates into dollars. Listing calendars in your Etsy shop certainly won’t go out of style or demand. Also, aim for the $5 – $10 price range to hit the sweet spot of affordability and profitability.
6. Invitations
Invitations are among the top-selling digital items on Etsy.
Customizable templates for various occasions like weddings, parties, baby showers, and more are particularly popular. It’s perfect for creative individuals skilled in design who are looking to turn a profit on their talents.
These digital products can provide a meaningful revenue stream. Some creators can charge up to $20 per customized item.
The bottom line is that selling digital invitation templates on Etsy doesn’t just allow for creativity, but it’s also a lucrative business opportunity.
7. Business cards
Catering to the surge of remote entrepreneurs and the timeless need for personal cards, this trend is something to tap into.
You can offer editable, customized, or even smart cards – with features like one-click phone calls or emails – which can give your shop an edge.
Through Canva or Wepik, you can design exotic templates, offering customers the control to personalize before printing. Turn on your creative juices, let your brand shine, and step up your entrepreneurial ladder with a business card template.
8. Wedding Invitations and Printables
To be honest, I actually created my best friend’s wedding invitations. Maybe, I should have stuck with the side gig to make 500 dollars fast?!?
Wedding printables are now the ‘go-to’ digital products. This isn’t just about a cute ‘Save the Date’; offers a hassle-free, all-in-one wedding stationery solution, ready to match every wedding theme under the twinkling lights.
Help the DIY couples by providing a bundle: wedding program, customized hashtag sign, table place cards, save-the-date cards, and even personalized portrait options with a delightful sign thrown in.
You can provide a seamless experience and watch the sales ring along with the wedding bells.
9. Journal Inserts
Are you a fan of journaling or love designing layouts? Well, it’s time you converted your passion into profit. Making journal inserts is one of the smartest digital products you can sell on Etsy.
Audiences vary from educators needing organized lesson and homework schedules or those seeking self-help and discovery questions.
For optimal selling, focus on providing a variety of designs and including white spaces for personal touches.
With an average selling price of $5, they appeal to smart shoppers who prefer to print inserts on cardstock paper.
10. Digital artwork
Digital artwork stands out in popularity due to the unique customization and selection variety it offers.
Customers are drawn to the ability to choose from diverse art forms, including watercolor illustrations, inspirational quotes, and Baltic or Bohemian prints, that perfectly align with their personal aesthetic or represent an emotion they resonate with.
Moreover, the availability of immediate prints post-purchase greatly increases the convenience and appeal of this artwork form.
11. Recipe cards
Do you love cooking and want to create delightful digital recipe cards for your customers? But, don’t stop there, look at creating a meal planner to bundle with!
A printable, editable canvas for food aficionados brimming with delicious details of recipe cards is a great product. These digital delights are perfect for amateur chefs, bakers, and recipe bloggers.
The takeaway is clear. Selling recipe cards on Etsy is as facile as slicing butter, once you’ve got the right ingredients and the perfect recipe. It’s time to turn the heat up on your Etsy store and dish out some delightful recipe cards.
12. Social media templates
Creating social media templates can provide significant value for businesses and influencers seeking to establish a professional and cohesive online presence.
These templates, which can include pre-designed Facebook banners, Instagram stories, Twitter headers, and more, can be customized to fit a variety of themes such as minimalism, boho, or pastel colors.
When well-crafted, such templates can save businesses valuable time and effort while also helping maintain consistent brand imaging across different platforms. This is similar to a business hiring a virtual assistant with no experience.
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13. Printable Cake and Party Decorations
Selling printable party decorations as digital products on Etsy is like icing on the proverbial cake for smart entrepreneurs.
You can focus printable party decorations from charming cartoon-themed toppers for kids’ birthday cakes to exquisite, romantic pieces for weddings and anniversaries.
Whether you’re creatively inclined or have an entrepreneurial spirit spotting potential, these printables offer a loophole to financial growth. Bundle your decorations based on themes for enticing offers.
14. Zoom background
Thanks to the surge in remote working and virtual meetings selling incredible Zoom backgrounds on Etsy has emerged as a lucrative product in the digital landscape.
These tailored digital backdrops not only enhance the visual appeal of online interfaces but also cater to users’ needs to maintain privacy or conceal unorganized spaces.
However, you need to understand that creating Zoom backgrounds may not be beginner-friendly due to the required customization. However, do not let this intimidate you.
15. Productivity Trackers
People are constantly in search of practical, user-friendly tools to streamline their lives and make every hour count.
So, these productivity trackers are supremely versatile, covering daily routines, budgeting, goal setting, project management, and even grocery lists. Make your Etsy shop the one-stop shop for everyone’s needs.
As it becomes an increasingly popular choice to shift focus towards maximizing effectiveness in people’s daily lives. Whether it’s maintaining a workout routine, tracking investments, or staying on top of a student’s study schedule, these trackers cater to a wide assortment of needs.
16. Lightroom Presets
Lightroom Presets are essentially preset configurations that enhance a photo’s aesthetics, and folks from influencers to amateur photographers are keen to have them.
For starters, it caters well to the Instagram-obsessed demographic continually seeking to elevate their photo game. This venture is best suited for those who have a knack for photo editing and an understanding of aesthetics.
With an average selling price of $10, the numbers tip favorably in your Lightroom presets.
17. Etsy shop banners
Help out your new Etsy sellers by designing an impressive storefront with their shop banner.
Indulge your Etsy shop banners in various design themes suitable for a wide range of stores. Also, include a shop kit that makes store icons, a large and small banner, custom and reserved listing templates, and a profile picture graphic.
Promote your banner designing prowess to other sellers, so that you increase your brand awareness along Etsy.
When you have an awesome shop yourself, you are more likely to get sales!
18. Logos & branding kits
Move over, clip art! Logos and branding kits are in high demand as they fulfill the crucial need of every business that is striving for a unique identity.
Bundle your logos and branding kits or offer them individually to maximize your reach. Also, combining them with other digital products like media kit templates elevates your shop’s appeal.
This caters to diverse clients from Etsy sellers to businesses, influencers, and bloggers. Selling in this segment, you’ll never run short of market demand. Get ready to impress with your graphic skills, and ride the wave of this profitable venture on Etsy.
19. Thank you cards
This is a timeless product that is regularly used by businesses and individuals to express their gratitude.
Offering these thank you cards in digital, customizable formats can attract more buyers due to ease of customization and competitive pricing relative to store-bought alternatives.
You can also sell the same design on physical cards if you want for another revenue stream.
20. Fonts
In the world of businesses, creators, and crafters galore are on a relentless hunt for the perfect font that suits their needs. Where versatility is a font’s middle name – they can jazz up a brand’s website or add pizzazz to a party invitation.
Cricut fonts, in particular, are best-sellers. It is specially crafted for Cricut machines – a hit in the Etsy community of designers and makers.
Remember, the devil is in the (font) detail. Jump into the journey of digital font selling on Etsy and watch your typography turn into a treasure in no time.
21. Resume templates
Resume templates are handy, well-designed digital products are reportedly perfect for professionals keen on making their job applications stand out. It is mostly designed to suit particular sectors such as real estate or marketing.
After all, a well-structured resume could be the golden ticket to someone’s dream job – like one of these low stress jobs that pay well without a degree.
However, in my personal experience, the most successful templates are clean, professional, and neutral in color.
22. Invoice templates
You might think that cashing in invoice templates may seem odd, but these digital products offer ample sales potential on Etsy!
Their charm lies in their simplicity and frequently used nature by a wide range of businesses. Small business owners, short on time and design skills, frequently scout Etsy for professionally designed, eye-catching invoices – duly making it your prime market.
Transform invoice templates into a goldmine, with less likelihood of running into steep competition. With an average selling price of $10, you can surely earn money online quickly.
23. Website templates & themes
Are your web design skills a cut above the rest?
Leveraging your skills to create and sell website templates and themes on Etsy, and turn your talent into a tidy profit. This digital product must be customization-friendly with a range of applications, and cater to a broad audience—from small businesses to in-demand bloggers, giving them a sleek, professional online presence minus the design headache.
Begin by focusing on creating templates on popular website-building platforms like WordPress with a Kadence WP Theme. Make sure they serve a specific market, like photography websites or eCommerce stores, and ensure your products have unique, eye-catching designs that set them apart from the sea of competitors.
Remember, if your themes and templates are more unique and tailored. You can command, sometimes get a range of your product to $50.
24. Stickers
Stickers, both physical and digital stickers, are hot commodities on Etsy, cozily nestled among the platform’s top-selling items.
It also appeals to a large market spectrum, from social media users who love accentuating their chats with digital stickers, to fans of physical stickers decorating their belongings.
Remember, one major selling point is the editability of digital stickers, enabling customers to customize after purchase. Dial your creativity, pick a distinct theme, and roll out your sticker sets on Etsy – there’s a world waiting to stick onto your designs!
25. Bookmarks
Feeling bookish? Get your create-on and cash in on the thriving trend of selling digital bookmarks on Etsy.
Digital bookmarks, at a modest cost of $2 – $3 a pop, are gaining popularity as one of the easiest and fastest-selling digital products, thanks to their charm, practicality, and customized appeal.
Create an aesthetic touch on your reading escapades by hitting the serious tribe of bookworms. To amp up your sales and earn money quickly, don’t forget to add “personalization” options to your bookmarks.
26. Editable flyers
As demands surge, these feature-rich editable flyers become ideal for crafty entrepreneurs aiming to make a profit.
Most of your clients will be large markets comprising event organizers, business owners, and individuals who find convenience in ready-made editable materials.
Success in selling editable flyers on Etsy lies in understanding your target clientele’s needs, creating versatile and appealing designs, and offering top-notch quality. Kickstart your venture by preparing a wide range of attractive editable flyers.
27. Menu templates
Fresh out of the oven, menu templates are popular with restaurant owners to party planners who crave these editable, print-ready goodies.
These menu templates are flexible and can be tailored for cafes, restaurants, weddings, and even small business events. Therefore, begin by creating captivating designs–uniqueness sells and is editable for everyone who wants to customize it.
So preheat your digital oven – it’s time to serve up some mouth-watering menu templates on Etsy.
28. Gift tags
Digital gift tags on Etsy could light up your entrepreneurial path. With an average selling price of $5, these little printables have a big demand, particularly for special occasions like weddings and birthdays.
Ideal for individuals and businesses, this product can fit a myriad of needs from Christmas presents to children’s party favors. If you want to maximize your profits, focus on offering a wide range of designs that target different occasions and tastes.
Don’t forget to consider making a customization service that gives your customers a chance to tweak and add their personal touches.
29. Ebook Templates
Ebook templates have emerged as one of the most popular digital products on Etsy.
Beyond individual ebooks, sellers also offer a variety of creatively designed ebook templates, ebook covers, and materials for children’s books. With a target audience interested in arts and crafts, informative ebooks offer exceptional sales potential, especially those that provide professional knowledge in specific niches like graphic design or online money-making tips.
e-Printables Free ebook
Curious about selling printables on Etsy but don’t know where to start?
Get the secret list of best-selling products by month and learn you how to capitalize on seasonal trends to make sales.
Download Now
30. Fitness Trackers
Fitness trackers‘ popularity is booming as they cater to a wide array of tracking necessities beyond just gym visits or step counting.
This product helps monitor weight loss programs, home workout plans, and 30-day challenges, effectively, becoming a one-stop-shop for holistic wellness.
They are ideal for those aiming to enhance their fitness, sleep quality, and overall productivity. With an average selling price of $5, they offer an affordable solution to digital tracking needs.
31. Debt Payoff Trackers
Debt payoff trackers are fundamental tools for efficient financial management and debt reduction. They provide a concrete visual of one’s financial obligations and illustrate the progress made toward extinguishing each debt.
This encourages a consistent habit of payment and propels individuals towards financial freedom. However, cost should not be a barrier to good financial habits, which is why our website offers a wide range of high-quality debt payoff trackers completely free of charge.
While these are still popular on Etsy, you have to realize many people want free or extremely cheap.
32. SVG Files for Cutting Machines
Scalable Vector Graphic (SVG) files for cutting machines like Circut or Silhouette, are a crafter’s dream, making them a top-tier product to sell.
You can elevate your service by including a PDF tutorial or short video guide demonstrating the use of your product.
Ensure the functionality of your products by carrying out tests prior to listing.
33. Personalized Recipe Books
Being a foodie’s ultimate treasure, these recipe collections are perfect to tickle the taste buds of amateur cooks or pro food bloggers. Plus you can create recipe book templates to be used in Goodnotes or Notability.
Cultivate your online presence to spice up the sales of your digital recipe books.
From personal experience, I bought a digital recipe book because I didn’t want to create one myself.
34. Budget Planners
Budget planners are soaring in popularity, with these nifty tools averaging quite a tidy sum of $5-20 each. Its powerful design is both lucrative for sellers and beneficial for buyers.
In an increasingly digital world, these planners provide a seamless way to stay and stick on top of your finances. From the ordinary individual aspiring to save a penny or two to the business owner meticulously monitoring their profits and expenses. Some budget planner pros, like FRGLMAMA, have made over 60,000 sales!
Here’s a pro tip: Increase your profits by bundling your budget binder with envelopes and to-do lists. Users love the convenience and it saves them a search.
35. Wall Art
Calling all artists and designers with flair! Wall Art reigns supreme on Etsy – proving it’s not just a ‘dabbling’ industry, but a potential goldmine.
Remember, the ‘Home Sweet Home’ and ‘Be Kind’ style arts still hold their charm! Maximizing profits can entail providing add-on services such as printing and shipping.
Wall art downloads make great posters, especially for those who prefer to change up their decor often.
36. Gratitude Journal
Gratitude journals, with their guided prompts and questions, make hot picks for those striving for self-improvement or simply savoring the good in life. This little gem, flourishing in popularity, provides a thoughtful juncture for folks to reflect on the positive aspects of their lives.
This digital product is tailored for therapists, life coaches, stressed corporate followers, or anyone looking to light up their lives with gratitude.
Make sure to use keywords related to gratitude and journaling in your product description to maximize visibility.
37. Self Improvement Printables
People love these printables for their blend of practicality and inspiration by giving actionable tips, uplifting affirmations, useful trackers, and more.
These self-improvement printables are timely digital products that strike a chord with a growing audience keen on personal growth, self-care, and organization.
This product is perfect for those seeking self-help workbooks, motivational quotes, fitness planners, and even kid-friendly educational materials.
Is selling digital products on Etsy still profitable?
According to legions of online entrepreneurs, the answer is a resounding YES!
As the market for digital products keeps on growing, so does the profit potential for digital sellers on Etsy.
The startup costs are delightfully low – most of what you’re paying is merely for your product’s licensing and Etsy fees. After that, it’s all pure profit!
This method could be your ticket to financial freedom. So if you’re a creative at heart with a knack for producing digital gems, it’s high time you join the Etsy bandwagon to sell your valuable creations.
Etsy passive income isn’t just a haven for handcrafted goods – it’s also a hub for downloadable products from design templates to educational materials.
e-Printables Free ebook
Curious about selling printables on Etsy but don’t know where to start?
Get the secret list of best-selling products by month and learn you how to capitalize on seasonal trends to make sales.
Download Now
Now, What Digital Downloads to Sell on Etsy?
By now, you’ve embarked on an enlightening journey around the process of selecting digital products to sell. You have digested tips, explored examples, and refined your knowledge regarding your market, skills, and customer desires to ensure profitability.
So, let’s cut to the chase, find your product that fits the mold, craft an appealing product description, price it competitively yet profitable, and start making waves with your expertise in the digital market.
By coupling this post with the free training offered, you could be the next seller with digital products that are the next hotcake on Etsy! Will you be the next Etsy seller to learn how to make 10k a month?
Take your first step towards this entrepreneurial journey, and soon enough you could be reaping the sweet profits of your digital endeavor.
Now, start your listings and remember to believe what you have to offer is worth buying.
E-Printables Course
Are you ready to start selling on Etsy? Great!
Now, learn from the experts, so you are successful from the start. Learn everything else that goes into actually making money with this side hustle.
Spend time making products that have the best chance of selling.
Making printables is FUN, but it’s even more fun when it’s PROFITABLE!
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Know someone else that needs this, too? Then, please share!!
Cassidy spoke to MPA during the annual FUSE conference staged in Las Vegas by the Association of Independent Mortgage Experts (AIME). The gathering took place Oct. 4-7. It’s not brokers who are leaving amid challenging times Cassidy pointed to a positive aspect inherent to the current challenges of the housing market – what with inflation, … [Read more…]
Many students take out loans to pay for college. While federal student loans don’t require a credit check, private student loans typically do. And, since students often don’t have much credit history, they typically require a cosigner. A cosigner can be a parent but it doesn’t have to be. You can ask other family members, friends, or even mentors to cosign your student loan.
Since a cosigner will be responsible for paying back your loan in the event you’re unable to, it’s important to choose someone you feel comfortable entering a financial agreement with. A cosigner with good credit and high income could result in lower interest rates on your loans.
Read on for a simple, step-by-step guide on how to get someone to cosign your student loan.
How to Ask Someone to Cosign Your Private Student Loan
You may have someone in mind who would make a good cosigner. The problem is, how do you ask someone to cosign a loan? It’s a big ask, and approaching the topic can be intimidating. Not to worry. What follows are some tips that can help ensure you come to the conversation prepared.
Recommended: Avoidable Mistakes for Choosing Student Loan Cosigners
1. Research Your Financial Aid Options First
Before you ask someone to cosign a private student loan, it’s a good idea to explore all of your college funding options. Around 85% of students receive some form of financial aid to pay for college.
Filling out the Free Application for Federal Student Aid, or FAFSA, will give you access to any federal student aid you may be eligible to receive. This might include grants, work-study, federal subsidized loans, federal unsubsidized student loans, and even private scholarships. Completing the FAFSA is free, and it’ll also show potential cosigners that you’ve done your due diligence and have tapped all your available options to finance your education before asking for help.
Recommended: 11 Strategies for Paying for College and Other Expenses
2. Explain Why You Need a Cosigner
Once you’ve decided who you want to ask to be your cosigner, it’s important to come to the table with a clear explanation of why you need a cosigner and what costs the loan will cover. You’ll want to be prepared to share details on your own savings, debts, and credit history. This shows a cosigner why you need help and what kind of risk they would be taking on.
Providing a clear picture of what you have and what you need demonstrates that you’re taking your education and financial goals seriously. Having followed tip #1, you’ll be in a position to show the funding gap between your own funds plus any aid you’ve received and the cost of attendance at your chosen college.
3. Outline Your Plan for Repaying the Loan
When asking someone to cosign a student loan, it’s a good idea to let them know that you have a plan for repayment and exactly what that plan is. Some private lenders allow you to defer making payments until after graduation, while others require you start making interest-only payments while still in school. Either way, you’ll want to have an idea for how you will make those payments on your own.
Failing to make payments on time each month will impact both you and your cosigner, so it’s a good idea to also make a backup plan in case something doesn’t work out. This might be getting a part-time job in any field if you find that it takes longer than expected to get hired in your chosen field.
Demonstrating your plan for repayment can help build your potential cosigner’s confidence and help them feel more comfortable about entering into a cosigner agreement with you.
Recommended: 6 Strategies to Pay Off Student Loans Quickly
4. Make Sure They Understand What They’re Agreeing To
Before moving forward to a written agreement, it’s a good idea to go over the requirements and responsibilities for being a cosigner. For starters, your cosigner must meet a minimum credit score and demonstrate a certain minimum monthly income. The exact requirements will depend on the lender.
You’ll also want to let them know that, as a cosigner, they have a legal obligation to make sure the loan is repaid, and that any late or missed payments on the loan can impact both your and their credit scores.
While these risks can feel intimidating to bring up, outlining your plan to avoid loan default can help address their concerns and show you’re taking the commitment seriously.
Recommended: Ca$h Course: A Student’s Guide to Money
5. Make a Plan for a Cosigner Release
A cosigner release effectively removes a cosigner from a loan, freeing them from any continued responsibility for repayment of your loan. Private lenders may offer the option for a cosigner release if you, at a certain point down the road, meet certain credit requirements and have a strong track record of on-time payments.
Discussing a plan or timeline for when your cosigner will be released from their responsibilities shows that you’re being considerate of the risks of being a cosigner and the impact it can have on their finances. While you may not have the strongest qualifications as a borrower today, your creditworthiness can build over time as you consistently make on-time loan payments.
You might also have the option of refinancing your student loan and, in the process, releasing your cosigner from the original loan agreement.
6. Give Them Time to Think
Cosigning a loan is a serious commitment and whomever you ask may need some time to think over the decision. For this reason, it’s a good idea to approach your potential cosigner early on so you have plenty of time to talk through the agreement and, if necessary, pursue another option.
Handling Potential Concerns and Objections
Cosigners will likely have questions and potential concerns about how the agreement could impact their finances, as well as your relationship. After you’ve made your pitch, it’s important to hear them out and be open to their input to reach an agreement that works for you both.
If a cosigner has objections that you can’t resolve, it may be time to seek out a different cosigner.
Formalizing the Cosigner Agreement
If the person you ask to cosign your loan says “yes,” it’s time to find the right private student loan for your needs. It’s generally a good idea to shop around and compare rates and terms from different lenders, including banks, credit unions, and online lenders. Some lenders allow you to pre-qualify for a student loan online, without impacting your (or your cosigner’s) credit score. This allows you to compare offers, go over rates and terms with your cosigner, and decide which loan is the best fit.
When you officially apply for the loan, you and your cosigner will need to provide a number of financial documents to the lender, so be sure to give your cosigner time to gather all their paperwork.
Repaying the Loan Responsibly
When you take out a private student loan, you’ll typically have a choice of several repayment plans. Which one you choose can have a significant impact on both your monthly payment and total cost of the loan. Options may include:
• Immediate repayment This means you make full monthly payments while still in school. Doing so will minimize the interest you pay, resulting in the greatest savings.
• Interest-only repayment Here, you’ll pay only the interest on your loan while you’re still in school. Payments will be lower than immediate repayment but you won’t chip away at your loan balance (or save as much on interest).
• Partial interest repayment This involves making a fixed monthly payment while still in school that only covers part of the interest you owe. Payments will be lower than interest-only plan but your loan balance will grow.
• Full deferment Here, you’ll pay nothing while you’re enrolled in school. During this time, though, your loan balance grows.
Once you choose a plan, you’ll want to create a budget for the minimum payment you owe each month. It’s also a good idea to enroll in autopay, to ensure you never miss a payment. Some lenders also offer a rate discount if you enroll in autopay.
After you’ve graduated and your finances allow, you may be able to make extra principal-only payments — this can help lower the total interest you pay over the life of the loan.
The Takeaway
If you need a cosigner on your student loan, you have options. Whether you choose a parent, other family member, friend, or mentor, it’s important to be transparent about the requirements and risks that go into being a cosigner.
Coming to the conversation prepared can build trust and confidence with potential cosigners and put you on the path to funding your education.
If you’ve exhausted all federal student aid options, no-fee private student loans from SoFi can help you pay for school. The online application process is easy, and you can see rates and terms in just minutes. Repayment plans are flexible, so you can find an option that works for your financial plan and budget.
Cover up to 100% of school-certified costs including tuition, books, supplies, room and board, and transportation with a private student loan from SoFi.
FAQ
How do you convince someone to cosign a loan?
You’ll want to be transparent, as well as fully prepared for the conversation. Explain how the loan will support your long-term educational and financial goals, how you plan to make future loan repayments, and why you are a trustworthy borrower.
Who can I ask to be my cosigner?
It’s common for students to use parents or family members as cosigners, but there are no rules stating that your cosigner must be a relative. You can also ask mentors or family friends who are invested in your success. Just keep in mind that a cosigner will need to meet the lender’s financial and credit requirements.
Can I hire someone to be a cosigner?
There are businesses that advertise online that they will cosign your student loans for a fee, but borrower beware. These are often scams in which the “cosigner” requests cash payment in advance, then disappears. Or, the business might be legitimate but will require you to give them a portion of the loan in exchange for cosigning. Generally, it’s not worth the risk or cost.
What percentage of student loans are cosigned?
Roughly 92% of undergraduate private loans are cosigned. About 66% of graduate school loans from private lenders require a cosigner.
How do I assess my creditworthiness before seeking a cosigner?
To assess your creditworthiness, you’ll want to check your credit score and take a look at your credit reports.
You can often access your credit score for free through your bank or credit card company (check your statements on log into your online account). You can access your credit reports from the three main consumer credit bureaus (Equifax, Experian, and TransUnion) for free at AnnualCreditReport.com.
Photo credit: iStock/NoSystem images
SoFi Loan Products SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.
SoFi Private Student Loans Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs.
SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility-criteria for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Disclaimer: Many factors affect your credit scores and the interest rates you may receive. SoFi is not a Credit Repair Organization as defined under federal or state law, including the Credit Repair Organizations Act. SoFi does not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history, or credit rating. For details, see the FTC’s website .
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.
HousingWire Editor in Chief Sarah Wheeler sat down with Matt Lehnen, chief technology officer at Deephaven Mortgage, to talk about building a tech stack for non-QM loans. Lehnen has been at Deephaven for the past five years leading the technology team.
Sarah Wheeler: What is DeepHaven’s philosophy on build versus buy?
Matt Lehnen: It’s situational. There are a lot of things out in the marketplace that are great solutions, that are mature products and there’s no reason that we wouldn’t explore them. And then there are some areas that are specific to our products in the non-QM lending space where there may not be anything in the market that is pre-built or off the shelf and the only opportunity to actually bring some of our lending products to market or execute on our on our strategies is to build something custom.
SW: What’s been a recent example of that?
ML: Our bank statement scenario tool, because a high number of our loans are bank statement income-based. And when we brought the product to market, there was no standard product that would do an income analysis. There are products that will pull data, but there’s nothing that will actually assemble that, do an analysis, make sense of the information, and calculate based on our guidelines.
SW: Because you do a lot of non-QM loans, where you might have to do more manual underwriting, how does technology fit into your overall process?
ML: It’s an integral part of the process. With non-QM, there are a lot of manual or semi-manual pieces, but there is still a lot of opportunity for technology to augment that. And anywhere that we can find time savings, reduce error, streamline a process for the users — that’s our main focus.
SW: Is there a part of your tech stack that you are very happy to have right now? Is there anything outperforming or outshining in this market?
ML: Our commitment to a unified tech stack has paid a lot of dividends. We’re in a virtualized environment so we’re very nimble, we’re very quick to deploy, we’re very scalable. When the market moves in a certain direction, we can deploy very quickly. With our bank statement analysis, income analysis, we have a very good set of partners working in the background that we’ve assembled our product on top of. We’re utilizing various Lego bricks of technology that are in the marketplace to assemble a very, very usable product.
SW: What are the particular advantages you offer brokers with your technology?
ML: There are different size broker shops, so for the smaller brokers, they don’t necessarily need to invest in their own technology to originate a loan. We provide the majority of the tools that they would need to prospect, whether that’s pricing engines, to be able to qualify and run eligibility on products, originating the file through our TPO portal and shuttling that loan to us. Deephaven’s operational staff is built specifically to be the one-stop shop for brokers. If the broker brings us a client, Deephaven gets the loan across the finish line in partnership with that broker.
SW: What kind of difference is AI making right now?
ML: AI is everywhere and everybody’s interacting with some component of AI every day, whether they know it or not. For example, all of our cybersecurity stack incorporates AI and machine models. All day, 24/7, across the board, in every facet of the network, there’s a portion of AI looking at something to find behaviors. So that’s an example of AI that’s completely behind the scenes.
On the front end, AI is deploying tools for our users. For example, if you have a year of bank statements to review — if you actually have PDF documents, or if you were to print it, they average hundreds of pages for a 12-month set of bank statements for a business. A human can review them, but it’s not time efficient. Our underwriters are best used for their expertise. They’re good at finding nuances, finding exceptions, making judgment calls. But behind the scenes, we let them train an AI model and machine learning model that says, okay, based on the inputs you give me, now we’ll let the system learn. And it becomes a training feedback loop.
If the human partner gives the AI good information, and teaches it, the AI, in turn, is going to make that human partner’s job easier. I think AI and machine learning and everything in that realm has tremendous potential, as long as it’s used ethically. It needs to benefit the employees, it needs to make people’s jobs easier, more repeatable, so we can use people for their expertise. We don’t need people doing manual menial tasks, we need people making judgment calls and making decisions.
And then for our clients and our customers: AI also has to be used fairly. You don’t want to just feed a bunch of data into a model, get the result and take it at face value. You want to interpret it and make sense of it. AI should be a tool to help get you somewhere faster, or double check your work or improve things. But you never want to rely solely on that for decisions, because you still have to be fair, equitable and do things in an in a transparent way.
SW: So your goal would not be to replace all of your humans with AI?
ML: No, it would be to use AI to do the tasks and activities that make our employees’ and partners’ lives and jobs more fulfilling.
SW: Where is technology helping you on cybersecurity?
ML: The technology helps us in every facet of it. There are so many endpoints — every single server, virtual machine, laptop, desktop, smartphone, every device that has the ability to connect or communicate with the internet is vulnerable. So we have to deploy tools on every endpoint, we have to collect telemetry from every endpoint, we have to aggregate all that telemetry and all that activity, and we have to make smart decisions as to what’s a true positive, what’s a false positive and what is just noise. And that’s probably the biggest area where the automation, the AI or machine learning, really helps. You have so much signal noise that you have to distill out the very specific signals that actually matter.
SW:Are you investing in technology in the midst of this slower market?
ML: The mortgage market has cooled with rates up, but for Deephaven and our non-QM products, and especially our DSCR product, there’s been an enormous uptick in volume. That’s a product tailored towards investors and there’s still a lot of investment activity in the market so that product has really taken off. So, volume has not necessarily ticked down for us, it’s just moved from one set of buckets into a different set of buckets.
To your question about technology, yes, we’ve been making enormous investments all year. And we’ll continue to do so. It’s streamlining. For the DSCR product, for example, we had to do a major revision of our workflows and processes to accommodate those products, make those products more efficient, because we know more of that volume would be coming through.
SW:Are there things that still defy automation or where tech doesn’t help as much as you might have thought when you got into the industry in 2007?
ML: In the broad sense of mortgage, tech has made enormous gains, especially in the agency and conventional space. The area where I thought we’d be further along is the consumer space, specifically, the back-end processes. Consumers will take an app online, a lot of them will e-sign documents, disclosures, they’ll upload documents electronically — they’ll even link their bank account. But we’re still not seeing as much adoption from the industry when it comes to closings. There’s still the traditional sit down at the table, and sign documents, which is due to a patchwork of different state laws and regulations. As a result, the post-closing processes are sometimes hindered, because those are still paper heavy processes on the back end.
If you knew at the inception of a loan process — from the very first interaction with a client or customer — that this could be a fully digital experience, that experience could be tailored one way. But if you don’t know if it can be fully digital or it might go down the conveyor belt only so far before it’s converted to non-digital — that’s where the some of the challenges lie.
SW: What keeps you up at night?
ML: The ever-changing landscape and how fast things accelerate. Anything that is true today is very likely to not be true tomorrow, and especially in the world of cybersecurity. It’s a complete arms race every day. For every advance in defensive techniques, defensive tooling, defensive products, there is probably three times as much investment in defeating those defenses.
And then on the mortgage technology side, it’s keeping up with products. What’s the next product? Did we make the right decision on where we put our resources, where we innovate? It’s a gamble. You don’t know, so we rely on capital markets and market research to advise us where things are going. The most important thing is anticipating the future and trying to make the right decisions now that are scalable for those future unknowns.
SW: Looking at the tech landscape, what makes you optimistic about the future?
ML: I think there’s still enormous demand for housing. There are also a lot of good things happening within the regulatory and lending environment on product mix and the way the agencies are adjusting to the new normal: the new makeup of families and what households are forming. I’m generally optimistic t