The Plain Bagel

The COVID-19 Stock Market Correction - Let's Talk

Wed, 23 Sep 2026 17:32:30 -0000

Up-to-date COVID-19 figures: https://gisanddata.maps.arcgis.com/apps/opsdashboard/index.html?utm_source=Global+Health+NOW+Main+List&utm_campaign=2741a95be8-EMAIL_CAMPAIGN_2020_02_24_01_37&utm_medium=email&utm_term=0_8d0d062dbd-2741a95be8-884823#/bda7594740fd40299423467b48e9ecf6

Doctor Mike's Channel: https://www.youtube.com/channel/UC0QHWhjbe5fGJEPz3sVb6nw

The coronavirus has been making headlines, but while many are concerned about the health implications, others are worried that the impending pandemic will cause a recession. Let's talk about the situation and what to consider before making an investment decision.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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High Frequency Trading and its Impact on Markets

Wed, 23 Sep 2026 17:00:00 -0000

Go to https://nordvpn.com/theplainbagel and use code theplainbagel to get 70% off a 3 year plan plus one extra month for free.

Some research papers from regulatory bodies on HFT:
https://www.sec.gov/marketstructure/research/hft_lit_review_march_2014.pdf
https://www.fca.org.uk/publication/occasional-papers/occasional-paper-50.pdf?mod=article_inline&utm

Some interesting Ted Talks on the subject:
https://youtu.be/ENWVRcMGDoU
https://youtu.be/V43a-KxLFcg

High frequency trading probably doesn't sound very nefarious, but the SEC has highlighted it as one of the most significant market structure developments in recent history, and it has even been blamed for causing past stock market crashes. We'll explain the topic and more in today's episode.

Check out my website: www.theplainbagel.com

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

This video was sponsored by NordVPN

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What Rising Treasury Yields Mean for the Economy

Wed, 23 Sep 2026 16:49:00 -0000

00:00 - Intro
02:29 - Yield Basics
04:30 - The Yield Curve
05:15 - Why Are Yields Rising Now?
09:19 - Why Higher Yields Might Hurt the Economy
12:45 - Concerns Around Banks
14:30 - Other Considerations
17:08 - Closing Thoughts

There was a lot of talk last week about the rising US Treasury yields - let's take some time to explain what exactly is going on.

This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Prediction Markets Are Ruining the Finance Industry

Wed, 23 Sep 2026 16:35:00 -0000

2:36 - Prediction Market Background
9:38 - Prediction Market problems
17:02 - The Promotions
21:50 - The Gamblification of Everything
24:23 - Closing thoughts

Let's talk about prediction markets...

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Why Central Banks Target 2% Inflation

Wed, 23 Sep 2026 16:00:00 -0000

To learn for free on Brilliant, go to https://brilliant.org/theplainbagel. Brilliant’s also giving viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant!

00:00 - Introduction
02:09 - The Origin of 2% Inflation
04:03 - Argument for 2%
06:57 - Why Not Deflation?
09:21 - Costs and Considerations
12:30 - Why the Target Won't Change
13:48 - Sponsor

Despite economists warning on the negative impact of tariffs, the US has been reporting stronger-than-expected GDP growth, record tariff revenue, and trillions of inbound investment commitments. Let's dive into whether tariffs are actually improving the US economy.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Clearing Up the Canada Tariff Misinformation

Wed, 23 Sep 2026 15:37:30 -0000

00:00 - Introduction
02:23 - Canada's Supply Management
04:20 - Canada's Tariff Rates
06:22 - Tariff Rate Quotas
06:51 - US Preferential Rates
08:24 - Quota Underutilization
10:22 - US' Own Restrictions
12:06 - Closing Remarks

USMCA Trade Deal: https://ustr.gov/trade-agreements/free-trade-agreements/united-states-mexico-canada-agreement/agreement-between
CBSA Tariff Rates: https://cbsa-asfc.gc.ca/trade-commerce/tariff-tarif/2024/01-99/01-99-2024-1-eng.pdf
WTO Portal: https://tao.wto.org/welcome.aspx?ReturnUrl=%2f%3fui%3d1&ui=1

There's been a lot of discussion of Canada's tariffs against US imports, most of which has been misleading or flat out wrong. Let's clear the air.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Bonds | Using Debt to Invest

Wed, 23 Sep 2026 15:00:00 -0000

The Plain Bagel Episode II

Companies use debt to help fund their projects, borrowing money from investors to grow their business. This video covers bonds, the instrument these firms use to raise their debt.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/

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Risk - Understanding Investment Uncertainty

Wed, 23 Sep 2026 14:40:00 -0000

The Plain Bagel Episode X

In investments, you can't have return without taking on some risk. Today, let's look into better understanding the types of risks we'll face with our holdings, and how we can manage them.

Sources:
https://www.osc.gov.on.ca/documents/en/Investors/inv_research_20171127_missing-out-report.pdf

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

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An AI Scammer Is Trying to Steal My Viewer's Money

Wed, 23 Sep 2026 14:00:00 -0000

Found a video of me trying to scam my viewers.

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Investing | 5 Steps for Getting Started

Wed, 23 Sep 2026 13:42:30 -0000

The Plain Bagel Episode XII

Now that you have a grasp on some basic investment concepts, it's time to start applying what we've learned. So here are my five steps for getting started!

Budgeting Template: https://docs.google.com/spreadsheets/d/1T40vhaIQb7D71MVkGW0954Ky6salnwYZN8OkX8_AkB8/edit?usp=sharing
* You won't be able to edit the original spreadsheet, so make sure to save it to your own Google Sheets account or download it as an excel. *

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

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Explaining Celebrity Explanations in The Big Short

Wed, 23 Sep 2026 13:00:00 -0000

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

The Big Short is a great movie on the 2008 financial crisis with some awesome celebrity cameos. These cameos explain complicated financial products with funny analogies, but today I thought I'd explain the topics a bit further.

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Is the SandP 500 Too Concentrated?

Wed, 23 Sep 2026 12:45:00 -0000

Some have become concerned with the concentration of the S&P 500 amid the dominance of stocks like the "Magnificent 7." We'll dive into how concentrated the index really is in today's video.

DISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Why Does Everyone Hate Private Equity?

Wed, 23 Sep 2026 12:00:00 -0000

00:00 - Introduction
02:51 - What is Private Equity?
05:33 - The Problem
08:46 - Why So Reckless?
15:00 - Other Considerations

Private equity has a pretty bad reputation, and some of it is well-deserved. In today's video, I dive into why private equity keeps getting into trouble.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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The IPO Process

Wed, 23 Sep 2026 11:47:30 -0000

It's a big deal when a stock IPOs, and you may be interested in participating, but it's important to understand the IPO process before jumping on the bandwagon, because as you'll see, you face some unique risks and disadvantages when buying a company's first shares.

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
Richard does not have a personal holding in any of the referenced companies. This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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The Plain Bagel Turns 1

Wed, 23 Sep 2026 11:00:00 -0000

It's been a year since I posted my first video, just thought I'd provide a bit of a reflection on the channel thus far. :)

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How to Tell If a Stock/Company Can Weather a Downturn

Wed, 23 Sep 2026 10:50:00 -0000

The first 100 people to go to https://www.blinkist.com/theplainbagel will get unlimited access for 1 week to try out Blinkist. You'll also get 25% off if you want the full membership.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

It makes sense that investors who aren't day trading focus on longer-term returns, but how can you tell if your companies face a real risk of permanent capital impairment because of a short-term event?

Intro/Outro Music: https://www.bensound.com/royalty-free-music

This video is sponsored by Blinkist

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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How Short Selling Works

Wed, 23 Sep 2026 10:00:00 -0000

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Short selling lets investors bet against a stock, profiting when it falls in price, but how exactly does a short work? We'll discuss the process and the risks it entails in today's video!

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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How Diversification Works

Wed, 23 Sep 2026 09:52:30 -0000

Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or
domain using code THEPLAINBAGEL.

Correlation calculation tool: https://www.portfoliovisualizer.com/asset-correlations

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

Diversification is one of those things you've probably heard about as something you need to do, but how does it actually work, and why is it considered so important? We explain this and more!

This video was sponsored by Squarespace

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Are Trump's Tariffs Working?

Wed, 23 Sep 2026 09:00:00 -0000

00:00 - Introduction
02:12 - Why Economists Disagree
04:06 - Where’s the inflation?
08:12 - Are Tariffs Deflationary?
10:00 - What About Manufacturing?
11:32 - New Investments in the US
15:06 - Why is GDP Growing?

Despite economists warning on the negative impact of tariffs, the US has been reporting stronger-than-expected GDP growth, record tariff revenue, and trillions of inbound investment commitments. Let's dive into whether tariffs are actually improving the US economy.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Why People Are Freaking Out Over Bonds

Wed, 23 Sep 2026 08:55:00 -0000

00:00 - Introduction
02:45 - Primer
05:11 - Why are yields rising
05:58 - Credit Rating Downgrade
07:57 - One Big Beautiful Bill
09:33 - The Weak 20-year Auction
10:55 - Japan’s Role?
11:26 - Why High Yields Matter
13:30 - Why it’s not a financial crisis

Link to video comparing US banks to Silicon Valley Bank: https://youtu.be/ZPlrkr1qaE0?si=mwyYceZiSl-B0qsn

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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"Crash-Proof" Investments: How Safe Havens Performed in Our Recent Bear Market

Wed, 23 Sep 2026 08:00:00 -0000

The first 1000 people who click the link will get 2 free months of Skillshare Premium: https://skl.sh/theplainbagel6

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

It's been a scary first quarter for stock market investors, and many may have considered selling their positions to enter certain safe haven positions. But as you'll see, these investments may not provide you the insurance you expect against stock market crashes.

This video was sponsored by Skillshare

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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What Just Happened With Chinese Stocks?

Wed, 23 Sep 2026 07:57:30 -0000

Chinese stocks have rallied recently, leading many to wonder if now's the time to invest. Today I go through the updates we're seeing.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Buy a Plain Bagel Mug: https://www.theplainbagel.com/merch

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Covered Calls Explained - The Cost of Income

Wed, 23 Sep 2026 07:00:00 -0000

The covered call strategy is popular online given its ability to generate "bonus income," but it comes with its drawbacks. We'll dive into both the pros and cons with today's video.

00:00 – Intro
02:05 – Covered Call Overview
04:44 – The Pros
05:41 – The Cons
09:16 – Risk-Adjusted Returns
10:48 – Why You Need to Be Cautious
11:33 - Conclusion

DISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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The Dangers of Bitcoin - My Thoughts

Wed, 23 Sep 2026 07:00:00 -0000

Before you buy bitcoin, or tell someone else to do so, make sure you understand these fundamental risks...

Richard is NOT a financial adviser, and the points expressed in this video are Richard's opinion. Richard does not have any position in Bitcoin.

Sources:
https://www.bloomberg.com/news/articles/2017-12-04/israeli-firm-strikes-digital-gold-with-canadian-miner-purchase
https://www.thestar.com/business/2018/01/08/struggling-iced-tea-company-that-added-blockchain-to-name-seeks-funding-for-venture-into-bitcoin-mining.html
http://www.globeinvestor.com/servlet/ArticleNews/story/GAM/20180113/RBMBITCOINBOP
https://socialmediaweek.org/blog/2017/09/58-insane-facts-bitcoin-infographic/
https://cointelegraph.com/explained/bitcoin-scaling-problem-explained
https://www.bloomberg.com/news/videos/2017-12-12/bitcoin-is-like-gold-2-0-says-tyler-winklevoss-video
http://archive.fortune.com/magazines/fortune/fortune_archive/1996/04/15/211503/index.htm

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

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Why I Don't Do YouTube Full-Time

Wed, 23 Sep 2026 06:02:30 -0000

Bit of a one off, more personal video on why I don't commit to doing YouTube full time.

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A US Sovereign Wealth Fund - What, How, Why?

Wed, 23 Sep 2026 06:00:00 -0000

Trump has signed an executive order to establish a sovereign wealth fund - let's dive into what SWFs are, and what they would mean for the US.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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100K Subscribers... Thank You! (Also Shirts!)

Wed, 23 Sep 2026 05:05:00 -0000

This week we hit 100K subscribers... thank you!

I will be posting a video once shirts are available, stay tuned. :)

If you haven't seen the Ted Ed video yet, here's a link: https://youtu.be/SwaCg7Gwtzw

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Plain Bagel QandA 3 | Greek Debt and Robinhood App

Wed, 23 Sep 2026 05:00:00 -0000

The Plain Bagel Q&A 3

Question topics: Arbitrage, EA loot boxes, Greek debt, my background education, and the Robinhood trading app

*Richard has no affiliation or business relationship with the Robinhood.

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Grocery Store Greedflation - Is Price Gouging Behind Higher Food Prices?

Wed, 23 Sep 2026 04:07:30 -0000

There's been a lot of talk about grocery stories price gouging during the pandemic - in today's video, I go through the financial statements of some of Canada's and the US' largest grocers to see if big chains really are ripping off consumers.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Capitalization and Depreciation Explained

Wed, 23 Sep 2026 04:00:00 -0000

Wallmine link: https://wallmine.com/users/sign-up?r=18im&utm_source=youtube&utm_medium=plainbagel&utm_campaign=plainbagel

CLARIFICATION: while R&D can be capitalized under IFRS (international accounting system), most R&D expenses cannot be capitalized under U.S. GAAP (the accounting system used by American companies).

Capitalization and depreciation can be confusing topics, but they are worth understanding, as they can materially impact the numbers you see on the income statement. Today we’ll go over the topics and what you can do to circumvent the impact of lax assumptions on profit numbers.

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Canada's Controversial Capital Gains Tax Change

Wed, 23 Sep 2026 03:10:00 -0000

Sign up for Morning Brew (today's sponsor) using the following link to start reading up on the daily happenings in business, finance and technology: https://morningbrewdaily.com/theplainbagel

*NOTE* - The video indicates the government's forecasted budget deficit for 2024-2024 is $38.4B. In fact this figure was updated in the budget to $39.8B. Apologies for the error.

Loonie Doctor's Tax Harvesting Tool: https://www.looniedoctor.ca/personal-taxable-account-capital-gains-harvest-simulator/

Canada's Budget: https://budget.canada.ca/2024/home-accueil-en.html

Canada's federal government recently announced some controversial changes to how capital gains are taxed. Let's go over the changes and discuss whether or not the online backlash is warranted.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Warren Buffett - The Greatest Investor of All Time (Investor Profile)

Wed, 23 Sep 2026 03:00:00 -0000

The first 100 people to go to https://www.blinkist.com/theplainbagel will get unlimited access for 1 week to try out Blinkist. You'll also get 25% off if you want the full membership.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

CEO of Berkshire Hathaway, the Oracle of Omaha, World's Greatest Investor...there are a lot of titles that belong to Warren Buffett, but how did one man accomplish so much? We explore Buffett's upbringing in today's video.

Intro Music: https://www.bensound.com/royalty-free-music

This video is sponsored by Blinkist

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Behavioral Finance | Investor Irrationality

Wed, 23 Sep 2026 02:12:30 -0000

The Plain Bagel Episode XI

As humans, we tend to fall victim to different biases when making financial decisions. Let's take a look at behavioral finance and explore how we can circumvent these common pitfalls.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

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What are Futures?

Wed, 23 Sep 2026 02:00:00 -0000

Click the link to get two FREE months of Skillshare Premium: https://skl.sh/theplainbagel3

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

You've probably heard of the futures market before, or maybe you've seen future/forward prices mentioned in the news, but what are these numbers? Some magic number predicting future prices? Well...kind of! We'll discuss the topic in today's video.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music:
Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794
Artist: http://incompetech.com/

This video was sponsored by Skillshare

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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E.S.G. Investing - What it Means and Its Pros/Cons

Wed, 23 Sep 2026 01:49:00 -0000

This video was sponsored by Squarespace. Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or domain using code THEPLAINBAGEL.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

With larger discussions going on about important ethical issues, I thought it would be helpful to discuss ESG investing, and approach that looks to balance social values with profits.

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Trump's Tariffs Deemed Illegal - What Now?

Wed, 23 Sep 2026 01:15:00 -0000

00:00 - Intro
01:36 - The Supreme Court Ruling
03:23 - What Tariffs Are Impacted?
05:02 - What About Refunds?
06:57 - The Implications
07:46 - Section 122 Tariffs
09:54 - Trump's Tariff Options
11:46 - Why the Update Still Matters

The US Supreme Court has ruled that Trump's IEEPA tariffs are illegal - let's dive into what this means and how else Turmp may pursue tariffs.

News Theme 1 by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/

Artist: http://audionautix.com/

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Prominent Short Seller Charged With Market Manipulation

Wed, 23 Sep 2026 01:00:00 -0000

SEC Case: https://www.sec.gov/files/litigation/complaints/2024/comp-pr2024-89.pdf
DOJ Indictment: https://www.justice.gov/criminal/media/1362116/dl?inline

Andrew Left of Citron Research was recently charged with securities fraud - let's go through the allegations.

DISCLAIMER: I do not hold positions in any of the stocks/crypto mentioned in this video.
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Evergrande Ordered to Liquidate - What Now?

Wed, 23 Sep 2026 00:17:30 -0000

Evergrande Default Worries: https://youtu.be/6VDPmDPombs?si=EDiR9RNp-_Lu-HEl
China's Supposed 'Collapse': https://www.youtube.com/watch?v=y06Yfm0hzjI
Ch. 15 Filing: https://www.youtube.com/watch?v=c-n6RN8a2Zo

00:00 – Intro
01:44 – Recap
04:14 – Update
06:26 – What Now?
08:51 – Real Estate Sector
09:50 – Impact on China’s Economy
11:15 – Why this isn’t Lehman 2.0

A Hong Kong court has recently ordered Evergrande, the massive embattled Chinese real estate developer, to liquidate. Let's go over what might happen from here.

DISCLAIMER: I do not hold positions in any of the mentioned companies.

This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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What Just Happened With GameStop?

Wed, 23 Sep 2026 00:00:00 -0000

GameStop is back in the news after rallying over 100% this week. Today's video discusses what's going on, and whether the speculative theories around where the ticker goes from here have any merit.

Article explaining XRT short interest: https://www.nasdaq.com/articles/why-spdr-retail-etf-xrt-600-short-2011-06-10

SEC Report: https://www.sec.gov/page/sec-staff-release-gamestop-report

DISCLAIMERS:
I do not hold a long or short position in any of the mentioned companies.
Richard Coffin is a registered portfolio manager, CFP professional and CFA charter holder.
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not directly affiliated with his employer).

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Time to Come Clean (April Fools Video)

Tue, 22 Sep 2026 23:20:00 -0000

April fools!

NFT Video: https://youtu.be/f4AlRKPnxBU?si=SFo-TuwxPj5l6vCU

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Canada's Ridiculous Trade Barriers...With Itself

Tue, 22 Sep 2026 23:00:00 -0000

Canada has been looking into removing it's interprovincial trade barriers, but what exactly are these barriers, and how much are they costing the Canadian economy?

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Rest in Peace…

Tue, 22 Sep 2026 22:22:30 -0000

Paying our respects to TikTok

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Huge Announcement

Tue, 22 Sep 2026 22:00:00 -0000

Some huge news for the channel

"Election Music" by MUSIC4VIDEO (https://youtu.be/xOc9U6nMtn8?si=sFPqblwqM0MSEjdo)

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The Fake Petrodollar Story - No, Saudi Arabia Didn’t Ditch the Dollar

Tue, 22 Sep 2026 21:25:00 -0000

Take your personal data back with Incogni - use code BAGEL at the link below and get 60% off an annual plan ➡️ http://incogni.com/bagel

00:00:00 - Introduction
00:02:54 - What's a Petrodollar?
00:03:52 - The Death of the Dollar
00:04:36 - The "Petrodollar" Agreement
00:08:00 - Why the Dollar Dominates
00:10:11 - Why Saudi Arabia Can't Quit the Dollar
00:11:55 - The Truth Around the Dollar's Decline
00:14:19 - Conclusion

We've seen some fake headlines spreading about the end of a 50-year petrodollar agreement with Saudi Arabia - today's video looks into the facts around the situation.

June 8, 1974 agreement (p. 788): https://tile.loc.gov/storage-services/service/ll/lltreaties//lltreaties-25-3/lltreaties-25-3.pdf

Bloomberg Story on the July 1974 agreement: https://www.bloomberg.com/news/features/2016-05-30/the-untold-story-behind-saudi-arabia-s-41-year-u-s-debt-secret?sref=Oeyjq8by&embedded-checkout=true

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The $6.4T Stock Drop - Why Is Everything Down?

Tue, 22 Sep 2026 21:00:00 -0000

00:00 - The Global Stock Crash
02:06 - What's Causing the Drop?
02:50 - 1: Fed Rate Decision
04:39 - 2: Labour Data
06:49 - 3: Japanese Carry Trade
10:14 - How Markets Are Reacting
11:18 - Why You Shouldn't Try Timing the Crash
13:58 - Closing Thoughts

Global Stock Markets saw a sizeable drop over the past weekend, with $6.4T being wiped out. Today's video will explain the proposed reasons behind the sell-off.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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The Fundamentals | Why is Investing Important?

Tue, 22 Sep 2026 20:27:30 -0000

The Plain Bagel Episode I

Let's start from the beginning - what is investing? This video covers some basic concepts, and strives to argue why its important to learn more about investing.

To skip over the basic concept's section, jump to 3:08.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/

Sources:
https://www.canadianveterinarians.net/documents/canada-s-pet-wellness-report2011
http://www.broadbentinstitute.ca/canadians_approaching_retirement_with_totally_inadequate_savings_seniors_poverty_rates_increasing_new_study
http://business.financialpost.com/personal-finance/managing-wealth/more-than-two-thirds-of-canadians-worry-a-lot-about-money-but-69-still-dont-have-a-plan
http://www.inflation.eu/inflation-rates/canada/historic-inflation/cpi-inflation-canada.aspx

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Dark Pools Explained - How Institutional Investors Utilize Off-Exchange Trading

Tue, 22 Sep 2026 20:00:00 -0000

This video is sponsored by Blinkist: get a 7-day free trial and 70% off Blinkist Annual Premium by clicking https://bit.ly/ThePlainBagelMay24 or by scanning the QR code.

High-Frequency Traders: https://www.investopedia.com/terms/h/high-frequency-trading.asp

Payment For Order Flow: https://www.investopedia.com/terms/p/paymentoforderflow.asp

With GameStop back in the news, I wanted to take some time to touch on a topic that often comes up with stories of market manipulation and the like: dark pools.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Tariffs and Treasuries - The China-US Trade War

Tue, 22 Sep 2026 19:30:00 -0000

The US is in a trade war with China, and after a rapid escalation, has seemingly pivoted with a recent exemption. Let's dive into what it all means for the US economy.

00:00 – Overview
02:43 – Timeline
04:01 – Why China?
05:57 – The Impact of a Trade War on the US
07:23 – Treasury Yields
09:30 - Is China Causing This?
11:13 – Other Possible Causes

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Canada's Getting a Sovereign Wealth Fund

Tue, 22 Sep 2026 19:00:00 -0000

Prime Minister Mark Carney recently announced that Canada was getting a new sovereign wealth fund, and that individual Canadians will be able to invest in it. Today we'll dive into the details, and what it means for Canadians.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Is Wall Street REALLY Buying Up All the Homes?

Tue, 22 Sep 2026 18:00:00 -0000

Previous BlackRock video: https://youtu.be/l1TmgZtve2k?si=kImNocow2rlEt8o5

Once again, we're tackling some popular conspiracies about BlackRock buying up all the homes in America.

If you'd like to support the channel, you can do so at https://www.patreon.com/ThePlainBagel :)

DISCLAIMER:
Richard does not have a position in Blackrock or Vanguard.
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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FTX’s 118% Refund Plan

Tue, 22 Sep 2026 17:32:30 -0000

Take your personal data back with today's sponsor Incogni! Use code BAGEL at the link below and get 60% off an annual plan: http://incogni.com/bagel

00:00 - Intro
02:38 - Recap
05:11 - The Payback Plan
08:06 - Where'd The Money Come From?
11:52 - What Now?
On October 7th, a bankruptcy court approved FTX’s plan to pay back customers 118% of their account values as of November 2022. In today’s video, we go over the details of the plan, where this money came from, and what it means for Sam Bankman-Fried.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Buy a Plain Bagel Mug: https://www.theplainbagel.com/merch

DISCLAIMER:
This video is sponsored by Incogni

This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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The Ridiculous Rise and Fall of WeWork

Tue, 22 Sep 2026 17:00:00 -0000

Start learning a new language today with 60% OFF Babbel (today's sponsor) during their Black Friday sale by clicking here:
https://go.babbel.com/t?bsc=1200m60-youtube-theplainbagel-nov-2023-promo&btp=default&utm_term=generic_v1&utm_medium=paidsocial&utm_source=YouTube&utm_content=Influencer..theplainbagel..USA..YouTube

WeWork recently filed for Ch 11 bankruptcy - let's go over the ridiculous story behind one of the largest venture capital failures in corporate American history.

Richard does not have a position in WeWork. This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Waiting to Invest is Costing You... A Lot

Tue, 22 Sep 2026 16:35:00 -0000

Link to OSC report: https://www.osc.gov.on.ca/documents/en/Investors/inv_research_20171127_missing-out-report.PDF

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

It can be tough to get started with investing, but waiting to invest can actually cost you hundreds of thousands of dollars. We'll discuss how in today's video.

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Cash Equivalents and Alternatives | Non Traditional Investments

Tue, 22 Sep 2026 16:00:00 -0000

The Plain Bagel Episode IV

Cash Equivalents, along with stocks and bonds, belong to the Traditional Investment category, while the Alternative Investment category pretty much encompasses everything else. This video finishes our discussion of the primary investments by covering cash equivalents, real estate, commodities, and derivatives.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/

Sources:
https://www.wealthdaily.com/articles/whats-10-times-bigger-than-the-global-economy/6241

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Plain Bagel QandA 1 | Good Reads and Rolled Sleeves

Tue, 22 Sep 2026 15:37:30 -0000

The Plain Bagel Q&A 1

Question topics: books on finance, “average person” investments, starting off, liquidity, and stock splits

Here’s a list of the books suggested by my colleagues. The first few are on personal finance, while the last two focus specifically on investing:
- Moolala: Why smart people do dumb things with their money (and what you can do about it) by Bruce Sellery
- Wealthing Like Rabbits by Robert R. Brown
- Personal Finance For Canadians For Dummies by Eric Tyson & Tony Martin
- Millionaire Teacher by Andrew Hallam
- The Single Best Investment: Creating Wealth with Dividend Growth by Lowell Miller

Another colleague brought up a great point on stock splits that I’d like to add to my last answer. Companies also use stock splits to “signal” to investors that they expect future stock growth. This positive signal will infer that management believes in the sustainability of the stocks growth, which may convince investors to purchase the stock.

Episode Music: https://www.youtube.com/user/kmmusic

Sources: http://www.investors.com/how-to-invest/investors-corner/how-much-money-do-you-need-to-start-investing/

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Investment Analyst Reacts to Finance TikToks - Bonus Edition

Tue, 22 Sep 2026 15:00:00 -0000

Welcome to the 10th TikTok Review video!

My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.

Cover call video: https://youtu.be/R0JeJdiJc1A?si=WN-kRgKH0heQg3WE

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Grossman Stiglitz Paradox - Collaboration with Ben Felix

Tue, 22 Sep 2026 14:40:00 -0000

The Grossman-Stiglitz Paradox is one which highlights that stock markets cannot possibly be efficient. Why? Let's find out on today's Plain Bagel!

Make sure to check out Ben Felix's channel, Common Sense Investing: https://www.youtube.com/channel/UCDXTQ8nWmx_EhZ2v-kp7QxA

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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What is the Yield Curve, and Why is it Flattening?

Tue, 22 Sep 2026 14:00:00 -0000

You may have read news articles or heard somewhere that "the yield curve is flattening," but what does that mean? Find out with today's video!

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Investment Analyst Reacts to Finance TikToks - Naughty and Nice Edition

Tue, 22 Sep 2026 13:42:30 -0000

It's Christmas season, you know what that means - more financial TikToks.

My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.

Cover call video: https://youtu.be/R0JeJdiJc1A?si=WN-kRgKH0heQg3WE

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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What is Quantitative Easing?

Tue, 22 Sep 2026 13:00:00 -0000

Click the link to get two FREE months of Skillshare Premium: https://skl.sh/theplainbagel5

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

You've probably heard of quantitative easing, or the "expanding" or "unwinding" of a central bank's balance sheet, but what do these things mean? We go over the unconventional, and controversial, monetary policy in today's video.

This video was sponsored by Skillshare

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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2024 Finance Rewind - The Year of Trump, AI and Crypto

Tue, 22 Sep 2026 12:45:00 -0000

As we approach the end of 2024, let's take a beat to look back on what made the year remarkable...for better or for worse.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Taxes | Registered Accounts and Tax Efficiency

Tue, 22 Sep 2026 12:00:00 -0000

**Edit** there is no distinction between short-term and long-term capital gains tax in Canada. Favourable taxes are only NOT provided in some instances of day trading - you CAN trade within the same year and still receive the favourable tax rate in Canada.

The Plain Bagel Episode IX

Tax is a pretty confusing field, yet it's essential for investors to learn. To help you get started, here are some high-level concepts on how investments accrue taxes, and what you can do to minimize the amount you owe.

REIT Tax Link: https://www.dividendearner.com/reit-taxation/
Private Equity Tax Link: https://www.lexisnexis.com/uk/lexispsl/tax/document/393773/5BW2-T5S1-F18C-V05X-00000-00/Tax+on+private+equity+and+venture+capital%3A+background+and+key+terms%E2%80%94overview

Sources:
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html
http://www.moneysense.ca/save/investing/rrsp/rrsp-contribution-limit/
https://www.taxtips.ca/taxrates/on.htm

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

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Investment Analyst Reacts to Investing TikToks - Holiday Special

Tue, 22 Sep 2026 11:47:30 -0000

Christmas came early, let's go through some finance TikToks together.

My name's Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

Edited by Carol Boeira

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Stock Multiples: How to Tell When a Stock is Cheap/Expensive

Tue, 22 Sep 2026 11:00:00 -0000

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Stock Market Corrections: Why Markets Stumble

Tue, 22 Sep 2026 10:50:00 -0000

Every so often, the markets take a tumble, sometimes of a material magnitude. What causes these drops, and why do they happen when things are up? Let's explore these questions and more with today's episode.

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Dividends Are Irrelevant (Sort Of...)

Tue, 22 Sep 2026 10:49:00 -0000

*Correction: The five factor model includes market beta, not "quality."

00:00 - Intro
02:09 - Dividend Irrelevance Theory
05:31 - Assumptions
10:38 - Dividend Downsides
14:35 - Why People Still Like Dividends
15:30 - Closing Thoughts

Today we explain dividend irrelevance theory, some common misconceptions about dividends, and why some investors still prefer to focus on stocks that pay dividends.

This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Styles of Investing | Active, Passive, and More

Tue, 22 Sep 2026 10:00:00 -0000

The Plain Bagel Episode VII

There are many different philosophies that investors follow when making investment decisions, some of which directly conflict with other schools of thought. In this video, we'll go over the Active vs Passive debate, as well as Fundamental, Technical, and Quantitative investing.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/
Drumming footage:
http://www.freemediabank.com/rock-concert-free-hd-stock-footage/

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Exciting Announcement

Tue, 22 Sep 2026 09:52:30 -0000

Some exciting news for the channel!

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How Negative Interest Rates Work (And What They Would Mean for the Economy)

Tue, 22 Sep 2026 09:00:00 -0000

U.S. President Donald Trump has suggested the Federal Reserve should bring interest rates below zero...but what does that even mean? Will you be paid for taking out a loan? We'll answer these questions and more.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music:
Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794
Artist: http://incompetech.com/

This video was sponsored by Skillshare

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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What Makes an Investment Speculative?

Tue, 22 Sep 2026 08:55:00 -0000

Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or
domain using code THEPLAINBAGEL.

Check out my website: www.theplainbagel.com

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Tesla's stock has earned astronomical returns lately, but is it a speculative investment? We answer this question and address the difference between speculating and investing in today's Plain Bagel.

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard does not have a position in Tesla or GE. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

This video was sponsored by Squarespace

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2023 Finance Rewind - AI and Bank Collapses

Tue, 22 Sep 2026 08:00:00 -0000

Sign up for Morning Brew (today's sponsor) using the following link to start reading up on the daily happenings in business, finance and technology: https://morningbrewdaily.com/theplainbagel

We've made it to the end of an eventful 2023 - let's take some time to look back at the crazy year it's been.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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"The Biggest Trade Deal Ever" - The EU-US Agreement Explained

Tue, 22 Sep 2026 07:57:30 -0000

On Sunday the US and EU announced a trade deal, subverting a massive trade war - let's go over the details of the agreement.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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I Interviewed The Prime Minister of Canada on Housing and the Economy

Tue, 22 Sep 2026 07:00:00 -0000

I had a unique opportunity to interview Prime Minister Justin Trudeau on the recently released budget, the Canadian real estate market, the economy, and financial literacy.

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Trump’s “Dumb” Trade War With Canada - What Happened, and What Now?

Tue, 22 Sep 2026 07:00:00 -0000

Sign up for Morning Brew today for your daily news briefing by using my link 👉🏻 https://morningbrewdaily.com/plainbagel

Trump started - then postponed - a trade war with Canada. Let's go over what happened, and why the tariffs were so controversial

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Bank Financial Advisors Are Giving Bad Advice

Tue, 22 Sep 2026 06:02:30 -0000

There have been reports of advisors giving harmful financial advice to their clients. Today's video dives into these allegations and why it's a systemic issue for the industry.

CBC Marketplace Investigation: https://youtu.be/htm38oM5WFE?si=yVHXaGPwVBdrUXJH

@BenFelixCSI's Video: https://youtu.be/v8iOV1Uourg?si=fs42SxzlNymve5nE

Questions for Advisors: https://www.canada.ca/en/financial-consumer-agency/services/savings-investments/choose-financial-advisor.html

Canada Database for Advisors:
- Registration Status: https://info.securities-administrators.ca/nrsmobile/nrssearch.aspx
- Disclosures: https://www.ciro.ca/advisor-report-search

US Database for Advisors:
- Registration and Disclosures: https://brokercheck.finra.org/

Canadian Sites for Finding Local Advisors:
- https://www.fpcanada.ca/findaplanner
- https://www.advocis.ca/find-an-advisor/
- https://pmac.org/firms/

US Sites for Finding Local Advisors:
- https://money.usnews.com/financial-advisors

DISCLAIMERS:
Richard Coffin is a registered portfolio manager, CFP professional and CFA charter holder.
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not directly affiliated with his employer).

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Private Credit Panic - Why Investors Are Rushing For the Exits

Tue, 22 Sep 2026 06:00:00 -0000

Why People Hate Private Equity: https://www.youtube.com/watch?v=cWFi2OfbWWc

Private credit has been capturing headlines lately, with companies going bankrupt, funds gating investor withdrawals, and claims that we're headed towards another 2008 financial crisis. Today we cover what we know about the situation.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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The Cost of Alberta Separatism

Tue, 22 Sep 2026 05:05:00 -0000

00:00 - Intro
03:11 - Primer on Alberta
04:35 - Albertan Separatism
05:51 - Transfer Payments
07:15 - Canada Pension Plan
08:30 - The Fiscal Upside
09:35 - What's Missing
12:19 - The Issues With Independence
16:59 - Concluding Thoughts

There's been a growing movement calling for Alberta to separate from the rest of Canada. Today, we debunk some of the misinformation driving the call for secession, and some of the valid gripes the province has.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Plain Bagel QandA 10 | Why Deflation is "Bad," Shorting Stocks, and More

Tue, 22 Sep 2026 05:00:00 -0000

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Topics Covered:

- Market efficiency - 1:02
- Why people say deflation is bad - 2:30
- Why investors lend their shares to people who short - 5:04
- My work and YouTube - 6:26

Episode Music:
Marty Gots a Plan by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100671

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

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Plain Bagel QandA 8 | Extreme Questions on Technical Trading, Double Taxation, and Rebalancing

Tue, 22 Sep 2026 04:07:30 -0000

Topics addressed in today's video:

- T-Bills
- Technical analysis
- Bitcoin
- Dividends versus share buybacks (double taxation)
- Strategies for rebalancing

Episode Music:
Marty Gots a Plan by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100671

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

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Finance Movie Review: Barbarians at the Gate

Tue, 22 Sep 2026 04:00:00 -0000

Take your personal data back with today's sponsor Incogni! Use code BAGEL at the link below and get 60% off an annual plan: http://incogni.com/bagel

Barbarians at the Gate is an older finance movie that covers the largest leveraged buyout in US history at the time - RJR Nabisco. The movie is chock-full of jargon and references, which gives us a lot to dive into.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Explaining The Bitcoin Spot ETF Situation

Tue, 22 Sep 2026 03:10:00 -0000

This video is sponsored by Blinkist - get a 7-day free trial and 25% off Blinkist Annual Premium by clicking: https://bit.ly/theplainbagelJan24 or scanning the QR code.

Bitcoin spot ETFs were recently approved in the US, and despite traders speculating about the price catapulting from here, the cryptocurrency has actually fallen. Today we'll explain why this is the case, and why Bitcoin ETFs shouldn't matter all that much to your investment thesis.

00:00 - Introduction
02:38 - SECs Approval
05:57 - Pros of Spot ETFs
07:40 - #1 Profit Taking
08:49 - #2 Fund Flow Disappointment
11:54 - #3 Past Innovations
12:40 - #4 Future Challenges

If you'd like to support the channel, you can do so at https://www.patreon.com/ThePlainBagel :)

DISCLAIMER:
Richard does not have a position in bitcoin.
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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A Special Plain Bagel Episode (The Return of Bagel Buddies) | April Fools Video

Tue, 22 Sep 2026 03:00:00 -0000

Nicky Fargo's back!

Last year's video (Bagel Buddies trailer): https://youtu.be/jNJMadhrtPc

Intro Music: https://www.bensound.com/royalty-free-music
Marty Gots a Plan & Hall of the Mountain King by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Sources: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1500015
http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1200072
Artist: http://incompetech.com/

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5 Tips for Preparing for the CFA Exams

Tue, 22 Sep 2026 02:12:30 -0000

List of CFA exam prep providers: https://www.cfainstitute.org/en/programs/cfa/exam/prep-providers

CFA checklist: https://www.cfainstitute.org/-/media/documents/form/cfa-candidate-checklist.ashx

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

The CFA is seen by many as a standard within the investment field. I recently got my own charter, so I figured I'd share some tips that I found helpful when preparing for the exams.

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Cash Flows Explained

Tue, 22 Sep 2026 02:00:00 -0000

Wallmine link: https://wallmine.com/users/sign-up?r=18im&utm_source=youtube&utm_medium=plainbagel&utm_campaign=plainbagel

Warren Buffett and many other prominent investors have long preferred to measure a company's performance by their cash flows (found on the cash flow statement) rather than their reported earnings numbers... but what exactly are cash flows, and why are they given more weighting? Let's find out on today's episode

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Thanks a Million (Channel Announcement)

Tue, 22 Sep 2026 01:15:00 -0000

The Plain Bagel just passed 1 million subscribers, so I wanted to post a quick video.

@DeadOnTheMoneyPodcast Channel: https://www.youtube.com/channel/UCDjGxS75qN9zAKjb5Powxxg

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The Problem With Robinhood’s Tokenized Stock Offering

Tue, 22 Sep 2026 01:00:00 -0000

Take your personal data back with Incogni! Use code BAGEL at the link below and get 60% off an annual plan: https://incogni.com/bagel

NOTE: Richard does not hold any position (long or short) in Robinhood.

Robinhood recently launched a new tokenized stock offering for private companies SpaceX and OpenAI...without the companies' approval. Today we dive into how the tokens work, the risks faced by investors, and implications for the broader finance industry.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Dot-Com Bubble - 5 Minute History Lesson

Tue, 22 Sep 2026 00:17:30 -0000

Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or
domain using code THEPLAINBAGEL.

Check out my website: www.theplainbagel.com

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

The Dot-com bubble was one of the largest speculative rallies seen in the U.S., but while most people have heard about it, the details aren't well known. Here's a 5 minute history lesson on the subject.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music:
Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794
Artist: http://incompetech.com/

This video was sponsored by Squarespace

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Making a Synthetic Stock

Tue, 22 Sep 2026 00:00:00 -0000

Synthetic stocks are investments that replicate a stock's return; in other words, they earn money from a company's success despite having no ownership of the firm. Today, let's go through the exercise of creating one so we can better understand just how capable the world of options truly is.

NOTE: As mentioned, this example is grossly oversimplified and doesn't take into transaction costs nor contract sizes.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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The Greek Debt Crisis - 5 Minute History Lesson

Mon, 21 Sep 2026 23:20:00 -0000

Click the link to get two FREE months of Skillshare Premium, thanks to our sponsorship: https://skl.sh/theplainbagel

Thank you https://www.youtube.com/@FamilybudgetUa/ for the Ukrainian subtitles!

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

The Greek Debt Crisis was one of the more recent economic disasters that required three bailouts. While Greece is far from out of the woods, here's a brief history lesson on what happened.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music:
Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794
Artist: http://incompetech.com/

This video was sponsored by Skillshare

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America's Crypto Regulation - What the Genius and Clarity Act Means For Markets

Mon, 21 Sep 2026 23:00:00 -0000

With Crypto Week having drawn to a close, let's take some time to go through the laws that have passed, and what's trying to be passed - we'll go over the Genius Act, Clarity Act, and Anti-CBDC Act.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Clearing Up the Inflation Target Misinformation

Mon, 21 Sep 2026 22:22:30 -0000

Video of Jerome Powell Jackson Hole speech: https://www.youtube.com/watch?v=PZdOFw-gTo8
Speech Transcript: https://www.federalreserve.gov/newsevents/speech/powell20250822a.htm

Video on the impact rates cuts have on stocks: https://youtu.be/rSpVmpiUTTM
Video on the Petrodollar Agreement: https://youtu.be/XK8DQEyXODU

This past Friday we had rumours circulate that Federal Reserve Chair Jerome Powell had abandoned the bank's 2% inflation target. Today, we dive into what ACTUALLY happened at the Jackson Hole address.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Venezuela Oil Grab - What it Means for Oil Markets (and Canada)

Mon, 21 Sep 2026 22:00:00 -0000

Last weekend, the US captured Venezuelan dictator Nicolas Maduro and made moves to secure the country's oil. Today we'll discuss the feasibility of building out Venezuela's oil industry, and the risk it poses to Canada as a key oil supplier to the US.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Do Rate Cuts ACTUALLY Send Stocks Higher?

Mon, 21 Sep 2026 21:25:00 -0000

To try everything Brilliant (today's sponsor) has to offer for free for a full 30 days, visit https://brilliant.org/theplainbagel or click on the link in the description. You’ll also get 20% off an annual premium subscription.

00:00 - Introduction
02:41 - Basics of Rate Cuts
06:05 - Experiment Details
07:37 - Return Results
10:06 - Result Explanation
13:13 - Takeaways

In today's video, I go over the history of rate cut campaigns in the US to try and figure out how markets have historically reacted to interest rates falling.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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The 2025 Gold Rush - "Debasement Trade" or FOMO?

Mon, 21 Sep 2026 21:00:00 -0000

To learn for free on Brilliant (today's sponsor), go to https://brilliant.org/theplainbagel. Brilliant’s also giving viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant!

00:00 - Introduction
02:14 - Why Investors Buy Gold
04:10 - Why Gold's Rallying
08:34 - The Debasement Trade
09:47 - Considerations
13:27 - Gold's Questionable Price Stability
16:11 - Sponsor

Gold's price has been skyrocketing, with murmurings of a great "debasement trade" driving returns. Today we'll dive into what's driving performance, and the overall trends around gold.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Risk the War in Iran Poses to the Global Economy

Mon, 21 Sep 2026 20:27:30 -0000

00:00 - Intro
02:12 - Iran Primer
03:36 - Iran’s Oil
04:55 - The Strait of Hormuz
08:17 - Global Economic Impacts
11:11 - How This Impacts the US?
12:40 - What About Stocks?
13:17 - Final Considerations

The Impact of War on Markets and the Economy: https://youtu.be/vl156QpXr5g?si=1QIYNSTklODaVS3B

On February 28th, the US and Israel launched a massive military operation in Iran aimed to hamstringing the countries military aspirations, and seemingly to bring about a complete regime change. Today, we dive into why economists are bracing for an impact.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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The Index Fund/ETF Bubble - How Bad Is It Really?

Mon, 21 Sep 2026 20:00:00 -0000

Here is the link to Michael Burry's interview: https://www.bloomberg.com/news/articles/2019-09-04/michael-burry-explains-why-index-funds-are-like-subprime-cdos

Ben Felix's Index Fund Bubble video: https://www.youtube.com/watch?v=Wv0pJh8mFk0

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

You've probably seen the circulating claim that we're in an index fund bubble; this is of course possible, but let's clear up the facts around the argument before jumping to conclusions!

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Hedging Explained - The Insurance of Investing

Mon, 21 Sep 2026 19:49:00 -0000

This video was sponsored by Squarespace. Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or domain using code THEPLAINBAGEL.

Video on Futures: https://youtu.be/1Mhk4UHJsRc
Video on Options: https://youtu.be/VJgHkAqohbU
Information on "The Greeks": https://www.investopedia.com/terms/g/greeks.asp

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

During times of market turmoil, many investors may turn to hedging to protect themselves from downside, but while this "insurance" can help prevent losses, it comes at a cost. We discuss the concept and more in today's video.

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Fees | How Investments Cost You

Mon, 21 Sep 2026 19:30:00 -0000

The Plain Bagel Episode VIII

Investments are a great way to expand one's wealth, but don't be fooled - there are still fees to pay for the services provided to you. In this video, we'll go over the types of costs you'll pay as an investor, as well as how you can learn more about the specific fees you face.

MUTUAL FUND SERIES INFORMATION:
- https://www.getsmarteraboutmoney.ca/invest/investment-products/mutual-funds-segregated-funds/mutual-fund-series/

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/
Sources: https://s3.amazonaws.com/nw-public-images/marketing/downloads/cost-of-investments-supporting-doc.pdf

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The Difference Between Trading and Investing

Mon, 21 Sep 2026 19:00:00 -0000

This video was sponsored by Squarespace. Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or domain using code THEPLAINBAGEL.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

There's no clear line between what counts as trading and what counts as investing, but the two are nonetheless very different practices, and most investors are best served avoiding the former. Why? We answer that question in today's video.

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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The Bitcoin Treasury Reckoning - Why People Are Blaming JPMorgan

Mon, 21 Sep 2026 18:00:00 -0000

00:00 - Intro
03:50 - Why bitcoin’s price has fallen
05:27 - The decline of treasury companies
08:33 - Is Strategy about to collapse?
12:56 - The JPMorgan conspiracy
15:40 - Debunking the claims

Richard does not hold a position in JPM, MSTR or any other bitcoin treasury companies.

With bitcoin's price down, bitcoin treasury companies have been pummeled - now investors are blaming JP Morgan. Today we dive into what's happening.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Great Depression - 5 Minute History Lesson

Mon, 21 Sep 2026 17:32:30 -0000

To clarify, Hitler was NOT the founder of the Nazi party, sorry for any confusion!

The Great Depression was the worst economic downturn of the industrialized world, crippling the wealth of Americans throughout the 1930's. How did it happen? Let's find out with a 5 Minute History Lesson.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music:
Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794
Artist: http://incompetech.com/

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Stock Options Explained

Mon, 21 Sep 2026 17:00:00 -0000

Correction: At 4:20, the graph in the top left-hand corner is slightly off; for total return, the curve should not intercept at (30,0), but rather should be shifted slightly to the left so that the bend in the line occurs at (30,-2). Sorry for the blunder.

Option Pricing Factors:
- Underlying stock price (higher = higher call premium, lower put premium)
- Underlying stock price volatility [expected] (higher = higher option premium)
- Underlying stock dividends (higher = lower call premium, higher put premium)
- Option's strike price (higher = lower call premium, higher put premium)
- Time until expiration (longer = higher option premium)
- Interest rates (higher = higher call premium, lower put premium)

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Investing Won't Make You Rich (Probably)

Mon, 21 Sep 2026 16:35:00 -0000

SEC Warning Link: https://www.sec.gov/investor/alerts/tradingseminars.htm

Also two points to clarify:
1) By "rich," I mean the excessive disposable income promised by the investment ads I've seen (fast cars, private jets, etc.).
2) I don't disagree that investments are vital to growing your wealth (I do run an investment channel, after all), and you can make you a lot of money investing WHEN it's combined with a strong savings program. The point is to highlight that investments ALONE cannot make you rich (i.e. you can't put aside a few thousand dollars and expect to hit a million in a few years).

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

ALSO DISCLAIMER:
Richard is not commenting on the validity or inherent value of the cited ads.

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What is a Preferred Share?

Mon, 21 Sep 2026 16:00:00 -0000

Click the link to get two FREE months of Skillshare Premium: https://skl.sh/theplainbagel2

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Yield has become increasingly elusive, but preferred shares continue to offer high single digit payouts. But there's a lot more to this security than meets the eye, let's take a closer look.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music:
Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794
Artist: http://incompetech.com/

This video was sponsored by Skillshare

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Plain Bagel QandA 9 | Robo Advisors, Valuation, and an Ugly Website for Research

Mon, 21 Sep 2026 15:37:30 -0000

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Topics Covered:

- Inflation's effect on debt - 0:28
- Where to find cash flow information - 2:14
- Are statements connected? - 3:56
- How to value net loss companies - 4:47
- Thoughts on robo advisors - 6:14

Episode Music:
Marty Gots a Plan by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100671

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

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Welcome To The Plain Bagel

Mon, 21 Sep 2026 15:00:00 -0000

Welcome to The Plain Bagel! If you are looking to expand your knowledge in the areas of finance and investing, than you've come to the right place!

Music:
https://www.bensound.com/royalty-free-music

Citations:
https://beta.theglobeandmail.com/report-on-business/rob-commentary/how-should-canada-teach-financial-literacy-in-schools/article27265820/?ref=http://www.theglobeandmail.com&

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Plain Bagel QandA 6 | Duration, Convexity, and Craig's Filming for Free!

Mon, 21 Sep 2026 14:40:00 -0000

Topics addressed in today's video:

- How Canada taxes short-term traders
- How long synthetic stocks last
- 2008
- Duration & convexity
- The value of non-voting shares

https://www.youtube.com/channel/UCoYDuEolAYsjQzzqe2dh1sg

Episode Music:
Marty Gots a Plan by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100671

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

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Stock Indices and Index Fund Investing

Mon, 21 Sep 2026 14:00:00 -0000

Index funds are some of the most popular investment vehicles around, and yet few fully understand how indices work. So today, let's take a moment to understand what constitutes an index, and how we can use them to invest.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Let's Talk About the AI Bubble

Mon, 21 Sep 2026 13:42:30 -0000

Everyone believes we're in a bubble...so why are companies still spending hundreds of billions on the space? We lay things out in today's video.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Cost of Share Dilution

Mon, 21 Sep 2026 13:00:00 -0000

Wallmine link: https://wallmine.com/users/sign-up?r=18im&utm_source=youtube&utm_medium=plainbagel&utm_campaign=plainbagel

Share dilution refers to when a company issues more shares in addition to what's already outstanding, and even though you might not notice a change in the value of your share, it does have a material impact on your holdings. Some share issuances do eventually benefit the investor, others however can be very costly. So let's talk about share dilution it what it means for you, the investor.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Why Investors Love Dividends (And Why They Can Be Dangerous)

Mon, 21 Sep 2026 12:45:00 -0000

Ever wonder what all the hype around dividends is? With today's video, we'll dive into how dividends work, why people like them so much, and what to look out for when hunting them down.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

DISCLAIMER:
Richard does not have a personal position in any of the referenced companies. This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Trump's "Revenge Tax" On Investors Outside the US

Mon, 21 Sep 2026 12:00:00 -0000

00:00 - Intro
01:42 - What Section 899 Does
02:44 - Withholding Tax Basics
04:34 - Impacted Investments
06:37 - What Constitutes "Discriminatory Taxes”
10:21 - Implications for Foreign Countries
12:03 - Implications for the US
14:08 - What Investors Should Do

Hidden in the US "Big Beautiful Bill" is a meaningful tax proposal (Section 899) that will have a meaningful impact on investors outside the US...and the US itself. We explain the change in today's video.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Rise and Fall of Nortel Networks - 5 Minute History Lesson

Mon, 21 Sep 2026 11:47:30 -0000

It's been 10 years since Nortel Networks, a Canadian behemoth, filed for bankruptcy protection, not long after it had grown to represent more than a third of the Canadian stock market. Let's dive into what brought down the massive company with today's 5 Minute History Lesson.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music:
Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794
Artist: http://incompetech.com/

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Investment Analyst Reacts to Finance TikToks - Holiday Special 2024

Mon, 21 Sep 2026 11:00:00 -0000

Happy holidays - let's celebrate with finance TikToks.

My name's Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

Edited by: Emma Konrad & Richard Coffin

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Stocks | How Equity Earns You Money

Mon, 21 Sep 2026 10:50:00 -0000

The Plain Bagel Episode III

Shares represent a percentage ownership of a business. This video covers investing in equity, and how stocks payoff for investors.

Intro/Outro Music: https://www.bensound.com/royalty-free-music

Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/

Sources:
http://www.bankrate.com/investing/millennials-slow-to-start-investing-in-stock-market-bankrate-survey-finds/
http://www.businessinsider.com/50-cent-files-for-bankruptcy-2015-7
https://data.worldbank.org/indicator/NY.GDP.MKTP.KD.ZG?end=2016&locations=IN&start=1976
https://ycharts.com/companies/NKE/shares_outstanding

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The Active Vs Passive Investing Debate

Mon, 21 Sep 2026 10:00:00 -0000

Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or
domain using code THEPLAINBAGEL.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

As someone starting off it might not be clear what the difference between active and passive investing is, or why people are so quick to debate the validity of the two approaches. Today, we discuss both sides and how they square up.

This video was sponsored by Squarespace

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Memestocks Won't Make You Rich (Probably)

Mon, 21 Sep 2026 09:52:30 -0000

Today, we're talking about memestocks, and why they PROBABLY won't make you rich.

@JamesJani's video: https://youtu.be/7LPuXowifJ4?si=L_gfIa-SS4T20Nh4

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Buy a Plain Bagel Mug: https://www.theplainbagel.com/merch

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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AI Is Giving Financial Advice Now

Mon, 21 Sep 2026 09:00:00 -0000

00:00 - Introduction
02:23 - ChatGPT Announcement
05:44 - The Pros
07:54 - Advice Concerns
10:09 - Regulatory Ambiguity
14:22 - Considerations for Using AI Advisors
16:56 - Will AI Replace Advisors?

Dead on the Money Podcast Episode: https://youtu.be/po9zpbVQOYE?si=1B2Ff87jzRakyMdr

ChatGPT announced this week that it would allow users to connect their bank/investment accounts to the platform to receive AI advice for their finances - today we dive into the implications.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Managed Solutions | Mutual Funds and More

Mon, 21 Sep 2026 08:55:00 -0000

**Edit**: most mutual funds require a minimum initial investment that can range anywhere from $100 to $3000, though the amount varies depending on the fund.

The Plain Bagel Episode V

For investors looking to outsource the investment management process, their are plenty of options available. This video covers "managed solutions," including Discretionary Managers, Mutual Funds, and Hedge Funds.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/

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Bagel Buddies Trailer (April Fools Video)

Mon, 21 Sep 2026 08:00:00 -0000

Very excited to announce the latest project for my channel, I hope you're all excited for this new content!

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Investment Analyst Reacts to Finance TikToks - Prediction Markets and More

Mon, 21 Sep 2026 07:57:30 -0000

Get your free trial with Blinkist (today's sponsor) and save an additional 30%. Go to http://blinkist.com/bagel.

My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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5 Investment Jobs Explained (and what they pay)

Mon, 21 Sep 2026 07:00:00 -0000

The first 100 people to go to https://www.blinkist.com/theplainbagel will get unlimited access for 1 week to try out Blinkist. You'll also get 25% off if you want the full membership.

Correction: CFP stands for Certified Financial Planner, not Chartered.

It can be confusing trying to understand the jobs that exist within the world of investments, so today I wanted to cover 5 common positions and discuss the tasks they entail, their pros and cons, and the average salary for those working in those positions.

Jobs Discussed: Investment Bankers, Analysts, Traders, Advisors, and Portfolio Managers

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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The Bitcoin Treasury "Infinite Money Glitch"

Mon, 21 Sep 2026 07:00:00 -0000

Richard does not hold a position in MSTR or any other bitcoin treasury companies.

Bitcoin treasuries have become a popular strategy for companies thanks to Michael Saylor and his firm Strategy (formerly MicroStrategy). Let's dive into how this idea has taken off, and what it means for bitcoin.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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What do Rising Interest Rates Mean?

Mon, 21 Sep 2026 06:02:30 -0000

Interest rates are on the rise in both Canada and the U.S., what does this mean for consumers and investors? Find out with today's episode!

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music: http://freemusicarchive.org/music/Podington_Bear/

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No Deal For Canada - Now What?

Mon, 21 Sep 2026 06:00:00 -0000

00:00 - Intro
02:22 - Recap
04:47 - The Latest Tariff Update
05:47 - The CUSMA Exemption
08:04 - Effective Tariff Rates
08:58 - The (Still) Negative Impact of Tariffs
10:34 - Where Canada Goes From Here
12:40 - Conclusion

On Thursday we got the news that Canada would be seeing its tariff rate increase to 35% after failing to reach a new agreement with the US. Today we'll discuss what it means for Canada's economy, and why the tariff rates ACTUALLY being paid are far from this amount.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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Managed Solutions | ETFs and Robo Advisors

Mon, 21 Sep 2026 05:05:00 -0000

The Plain Bagel Episode VI

Managed solutions can come with pretty high fees, which has led to the development of low cost investment vehicle alternatives. In this video, we discuss the popular Exchange-Traded Fund (ETF) as well as the topical Robo-Advisor.

Intro/Outro Music: https://www.bensound.com/royalty-free-music
Episode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/

Sources:
https://www.ific.ca/en/info/stats-and-facts/
https://www.investopedia.com/terms/r/roboadvisor-roboadviser.asp

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Before You Buy a Weed Stock - The Problems With Marijuana Companies

Mon, 21 Sep 2026 05:00:00 -0000

Before you buy a weed stock, or tell someone else to do so, make sure you understand these fundamental risks... Richard is NOT a financial adviser, and the points expressed in this video are Richard's opinion. Richard does not have any position in marijuana stocks.

Other concerns:

-Some marijuana companies have been issuing shares at a rapid pace, increasing the risk of dilution for current shareholders.

-Companies acquiring their competitors face a lot of execution risk as they integrate their targets. Plants may need to shut down, employees may need to retrain, and systems may need to be updated. Any problems along the way could impact the benefit these acquisitions provide the firm.

-If provinces adopt a government-backed outlet system for selling marijuana similar to alcohol, marijuana companies could face price pressure. The outlets would have significant buying power, allowing them to demand discounts on bulk orders.

-As many of these companies are only a few years old, their accounting statements and disclosures are not of the same level of quality as more established firms. This means less information for investors looking to own the company.

- The barriers to producing marijuana are likely to fall over time. This will open the door to competitors, including large pharma companies. If a international pharmaceutical company were to open a medical marijuana operation, startups would have a hard time matching their capital commitments.

DISCLAIMER:
Richard does not have a personal holding in any of the referenced companies. The videos on this channel are for education purposes only and do not constitute financial advice. Richard does not have a personal position in any of the companies mentioned. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades.

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Investment Analyst Explains: Dumb Money

Mon, 21 Sep 2026 04:49:00 -0000

Take advantage of Blinkist's (today's sponsor) big promo of 7-days free PLUS a special discount of 60% on the Blinkist Annual premium valid only until November 21st: https://bit.ly/ThePlainBagelBlinkist

Short Selling Explained: https://www.youtube.com/watch?v=CAs_aX95tVQ

Today we dive into (and critique) Dumb Money, a movie that recounts the wild stock rally of GameStop.

If you'd like to support the channel, you can do so at https://www.patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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Plain Bagel QandA 2 | Income and Wolf Mugs

Mon, 21 Sep 2026 04:07:30 -0000

The Plain Bagel Q&A 2

Question topics: The time it takes to invest, how to buy investments, gambling, income vs revenue, renting vs buying real estate

*I apologize for the color issues with the video – we had technical lighting difficulties while filming*

Episode Music:
Marty Gots a Plan by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/)
Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100671
Artist: http://incompetech.com/

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Investment Analyst Reacts to Finance TikToks - Part 7

Mon, 21 Sep 2026 04:00:00 -0000

Diving back into to the world of TikToks to see what knowledge we can gleam.

My name's Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers

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The Canada-China Trade Deal

Mon, 21 Sep 2026 03:10:00 -0000

👉 To learn for free on Brilliant, go to https://brilliant.org/theplainbagel, scan the QR code onscreen. Brilliant’s also given our viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant.

00:00 - Intro
03:15 - Canada and China Background
06:48 - The Trade Deal
08:58 - Other Agreements
10:24 - Why China?
13:15 - Controversy
14:50 - Final Thoughts
17:38 - Conclusion

Last week, we saw Canada and China enter a new trade deal, thawing what's been a icy relationship between the two countries. Today we'll cover what's in the deal, and what it means for Canada and its relationship with the US for trade.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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Why Markets Care About Oil (And Why Low Prices Could Be a Problem)

Mon, 21 Sep 2026 03:00:00 -0000

The first 1000 people who click the link will get 2 free months of Skillshare Premium: https://skl.sh/theplainbagel7

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)

Intro/Outro Music: https://www.bensound.com/royalty-free-music

Oil doesn't get a love of love, and rightfully so, but for the markets they are an incredibly important resource. In today's video, we explain why investors care about the price of oil and how low prices could actually be a bad thing.

This video was sponsored by Skillshare

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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Is a Bear Market Coming?

Mon, 21 Sep 2026 02:12:30 -0000

This Saturday, the current U.S. bull market turns 10 years old, the first to ever do so in America. But many are concerned that a bear market is waiting around the corner. Why? Let's find out on today's Plain Bagel!

Intro/Outro Music: https://www.bensound.com/royalty-free-music

DISCLAIMER:
This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers.

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What A Year...

Mon, 21 Sep 2026 02:00:00 -0000

👉 To learn for free on Brilliant, go to https://brilliant.org/theplainbagel, scan the QR code onscreen. Brilliant’s also given our viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant.

2025 has been a crazy year - let's unwind with the annual finance rewind and review what these past 12 months meant for markets and the world economy.

If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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The Sketchy Companies Paying YouTubers to Promote Their Stock

Mon, 21 Sep 2026 01:15:00 -0000

Spreadsheet: https://docs.google.com/spreadsheets/d/1NgOmPul65qG_S7I774bc7YfFtL7cWsz6GtSabXhGKwQ/edit?usp=sharing

I went through 123 YouTube videos promoting stocks to dig into the companies behind the sponsorships...and found some shocking stuff.

DISCLAIMER:
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video.

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What To Do With Finfluencers?

Mon, 21 Sep 2026 01:00:00 -0000

CFA Report: https://rpc.cfainstitute.org/-/media/documents/article/industry-research/finfluencer-report.pdf

Chapters:
00:00 - Introduction
02:26 - It's Not All Bad
04:55 - The Problem With Finfluencers
05:53 - Risk 1
09:43 - Risk 2 & 3
13:12 - Risk 4
14:46 - Risk 5
16:07 - Why This Matters
18:49 - What To Do?
23:56 - Conclusion

Mentioned Channels:
- @TwoCentsPBS
- @AswathDamodaranonValuation
- @MoneyGuyShow

Canada Database for Advisors:
- Registration Status: https://info.securities-administrators.ca/nrsmobile/nrssearch.aspx
- Disclosures: https://www.ciro.ca/advisor-report-search

US Database for Advisors:
- Registration and Disclosures: https://brokercheck.finra.org/

Canadian Courses/Resources (mostly applicable outside of Canada as well, but some details are country-specific):
- https://www.mcgillpersonalfinance.com/
- https://www.desjardins.com/ca/co-opme/desjardins-difference/personal-finance-im-in-charge/index.jsp
- https://www.wealthsimple.com/en-ca/learn/category/investing

US Courses/Resources (I unfortunately am not as familiar with US resources, but here are a couple):
- https://investor.vanguard.com/investor-resources-education
- https://www.wonderprofessor.com/123s24/123.html

My own qualifications:
- Chartered Financial Analyst (CFA) designation
- Certified Financial Planner (CFP) designation
- Bachelors of Finance degree
- 9 years experience working in finance
- Registered as a portfolio manager under the Ontario Securities Commission in Canada.

Credits:
- This video contains songs composed by @Kevin MacLeod
- Several clips were grabbed from X account TikTokInvestors

DISCLAIMER: I do not hold positions in any of the stocks/crypto mentioned in this video.
This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer).

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