Is Etsy Inc. Making Progress?

ETSY (Etsy Inc.,$42.43) is an e-commerce marketplace that caters to hand-made crafts and gifts for third parties to sell from. Similar to eBay (eBay Inc., $37.56), ETSY has made substantial growth the past few weeks and with a new management team, they are planning to make changes within the company.

Though some long-term investors are not amused by their history of high SGA costs, other investors see a bullish outlook on future gains. ETSY is reaching its 52 weeks high at $44.71.

(Chart screenshot from NASDAQ)

On June 14th, 2017, ETSY added to the revenue by raising their seller transaction fees from 3.5% to 5%. Shareholders are anticipating higher cash flow and more business from this decision. ETSY has also turned heads their way from opening their business to European markets- DaWanda, a company based in Germany. DaWanda is closing their business and passing their current customers to ETSY.

Investors compare ETSY to other, larger corporations such as eBay and Amazon Handmade (AMZN, $1,717.14 ), stock analysts are currently claiming ETSY as a buy.

Please see About Me & Disclaimer for additional information about Black Tea.

Information Attained:,, Yahoo!Finance,,


6 Mistakes Your Making When You Go Out in Public

Being polite won’t cost you anything, yet when it comes to strangers we may lower the priority beacuse we are “busy” minding our own business. Let me queue you in on a few common courtesies we all may forget from time-to-time when we are out in public.


If you run into a friend in public or speak to someone at the cash register, it’s polite to take off your sunglasses while speaking to them. People will pay close attention to what you say when they have a clear look at you.

Dress Attire

Yes, if you want to be respected you have to dress like it. Even if you’re picking up a few items at the 95 cent store, people will treat you differently when you aren’t wearing holes in your clothes and bonnets on your head.

The Door

Hold the door open for the person behind you, it’s always polite to hold the door open for the next person. Pass the love along and wait patiently as they pass through.

Elevators, Escalators, and Hallways

Have you ever had an awkward moment trying to walk around somenone but ended up being in a dancing situation? They are funny, but it’s actually proper to walk on the right side of the aisle or hallway (same as driving). Also, to avoid running into someone at the elevator, give space when the door opens. And if you are inside and someone comes in, go ahead and ask what floor they need and ask how their day is going. It’s a great way to avoid the awkward elevator silence (it always creeps me out).

Body Odors

Please don’t share them, for you may smell worse than you think. If you’re coming from the gym and need to pick up some healthy snacks from the store, go ahead and spray some perfume on or shop ahead of time. You may look good, but the smell may be terrible and if you happen to meet someone attractive or have a conversation with someone, don’t be surprised if they are anxious to cut the conversation short. Just play safe and head home or take a shower at the gym.


Save the curse words for your private space.

Unfortunately, I am guilty of all of these. But because we all want to be treated with respect, we should respect others. Yet, if someons slam the door in your face or push past you, don’t get mad and let it ruin your day. That person may be going through chronic depression or may have had just received news that a loved one died and trying to figure out if their life is worth living (you never know what people go through). Give without expecting something in return, you may have just made someones day through common courtesy.


Why You Need To Keep Reading SEC Filings

SEC stands for Security Exchange Commission, it’s a place where most businesses submit company reports; 10-Ks, 8-Ks, S-1 forums, and etc. It’s often you will find companies praising about the revenue they made in their recent quarter or profits gained from a particular project, but it’s crucial to know the companies overall progress on their balance sheet.

Is the company showing consistency? Are they keeping profits high and production costs low? Are they truthful about their paid taxes? You can find all of this information on the

Though earnings calls have their own matter of importance, viewing reports on the SEC will give you accurate information you can copy and save for later. You may also find additional background information on the CEO of the company (criminal record or education) on the Schedule 13D forum. Catch up and read our recent post about Investing Secrets here.


Investors also visit to view S-1 forums for additional information on IPOs. Don’t invest based on what your friends told you, visit the main source and find out for yourself. Though companies hold their own annual/quarterly statements, these reports can be very “colorful” and have a picture perfect outlook on in future they are expecting. It’s important to read the SEC filings because it will keep you knowledgeable about your investments and the long-term potential the company holds.

Please see About Me & Disclaimer for additional information about Black Tea.

Information Obtained:,,


Stock Investing 101: What Are Robo-Advisers?

Robo-Advisers have become increasingly popular and many investors enjoy the features that come along with the investing program. Let’s get a quick view of what they are, how they work, and how they may work for you.

According to Investopedia, robo-advisers are “digital platforms that provide automated algorithm-driven financial planning services with little to no human supervision“. Simply put, it’s a digital financial planning service that manages your account for you- who needs people anyway? Read one of my most recent posts about tech stocks here.

Pros of Robo-Advisers

Robo-Advisers are known for their award-winning software for their algorithm techniques, simplicity, low costs and fees. They offer more affordable fees than human financial advisors and most companies provide 24/7 customer service hours. Annual fees may be as low as 0.2%, whereas fees for “human” managed portfolios have a flat annual fee for 2%. That may not sound like a lot, but a little goes a long way over a period of time.

Cons of Robo-Advisers

There are many advantages advertised for robo-advisors, however, they require online access to operate. If you enjoy day trading, swing trading or options, you more than likely won’t get all of the technical features that come with active trading. Robo-Adviser programs are aimed towards buy-and-hold investors and have their own set of hourly rates/fees involved with the program.

There are many robo-adviser programs that leave investors very satisfied. Two of the most popular companies you may be familiar with are Betterment and Acorns. Robo-Advisers are great and if your interested in opening an account, contrast and compare from other companies and do your own research on what you’re looking for in your investment portfolio.

Please see About Me & Disclaimer for additional information about Black Tea.




Bearish Behavior: How To React When Your Portfolio Is Plunging

New investors are always fearful of bear markets and usually end up with suicidal thoughts when they discover their “hot stocks” have plummeted. More bearish days are coming our way, but there are a few ways you can protect yourself from losing so much in a bearish market.


What is your investing strategy? Are you a Swing Trader, Day Trader or Buy-and-Hold Investor? If you actively trade, you cannot use the same strategy on bearish markets as you may do on bullish markets. Study chart trends and watch for resistance and support levels. Learn more about your investing style, don’t swing by what others are suggesting just because it’s a “hot stock” and they made an impressive profit.

What is your Risk-Tolerance?

Though you should have gotten this figured out before you started investing, determine how much your willing to lose. Perhaps you should balance your portfolio: create a stock/bond ratio or consider placing your funds in a managed fund. Keep in mind of the fees that are involved with (any) managed portfolios, yet this may save you the peace of mind when bearish markets come along. Growth may also be slower but look for consistency.


There are many investors out there who love to show you how much they profited on bull markets, but few investors show you how much they have lost altogether. May I encourage you not be easily influenced on what appears to look good. When you buy or sell, you are doing it for some kind of gain and at the end of the day, it’s your money on the line. Be wise and educate yourself. There are also many books that provide resourceful education on balanced portfolios and proper investing strategies to give you the best return possible in bull and bear markets. Read my recent book review here.

We cannot prevent bearish markets, we do have the power to manage our emotions. Considering setting a stop-loss, change your investing strategy or properly educate yourself before investing in the stock market. Plan, prepare and protect your portfolio.

Please see a professional concerning your investment portfolio. See About Me & Disclaimer for additional information about Black Tea.