The Plain Bagel

The Greek Debt Crisis - 5 Minute History Lesson

Wed, 14 Oct 2026 04:07:30 -0000

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

Uploaded 23-08-19

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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The Grossman Stiglitz Paradox - Collaboration with Ben Felix

Wed, 14 Oct 2026 04:00:00 -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!

Uploaded 21-12-18

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 Quantitative Easing?

Wed, 14 Oct 2026 03:10:00 -0000

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

Uploaded 13-12-19

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

Wed, 14 Oct 2026 03:00:00 -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.

Uploaded 10-01-26

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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Let's Talk About the AI Bubble

Wed, 14 Oct 2026 02:12:30 -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.

Uploaded 07-11-25

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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FTX’s 118% Refund Plan

Wed, 14 Oct 2026 02:00:00 -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

Uploaded 25-10-24

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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Exciting Announcement

Wed, 14 Oct 2026 01:15:00 -0000

Some exciting news for the channel!

Uploaded 01-04-26

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Is Wall Street REALLY Buying Up All the Homes?

Wed, 14 Oct 2026 01:00:00 -0000

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

Uploaded 08-12-23

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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What Just Happened With GameStop?

Wed, 14 Oct 2026 00:17:30 -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.

Uploaded 15-05-24

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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Trump's Tariffs Deemed Illegal - What Now?

Wed, 14 Oct 2026 00:00:00 -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

Uploaded 27-02-26

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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Managed Solutions | Mutual Funds and More

Tue, 13 Oct 2026 23:20:00 -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.

Uploaded 24-11-17

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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The Dot-Com Bubble - 5 Minute History Lesson

Tue, 13 Oct 2026 23:00:00 -0000

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

Uploaded 07-02-20

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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Clearing Up the Inflation Target Misinformation

Tue, 13 Oct 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

Uploaded 25-08-25

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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What is a Preferred Share?

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

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

Uploaded 06-09-19

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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The Canadian Housing Crisis Explained

Tue, 13 Oct 2026 21:25:00 -0000

00:00 - Intro
01:51 - The Prelude
04:31 - How Did We Get Here?
10:27 - The Debt
16:10 - Where's The Crash?
19:33 - Closing thoughts

Uploaded 29-09-23

CMHC Home Buying Guide: https://www.cmhc-schl.gc.ca/consumers/home-buying/buying-guides/home-buying/homebuying-step-by-step-your-guide-to-buying-a-home-in-canada
Home School Series: https://globalnews.ca/tag/home-school-series/
Millennial Moron: https://www.youtube.com/@MillennialMoron

Canada's real estate market hosts some of the most expensive properties in the world - now, things are looking rickety. Let's dive into the problem.

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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Thanks a Million (Channel Announcement)

Tue, 13 Oct 2026 21:00:00 -0000

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

Uploaded 27-01-25

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

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Dealing With Investment FOMO

Tue, 13 Oct 2026 20:27:30 -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.

Uploaded 08-01-21

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

Investment FOMO is a pretty painful emotion; today we discuss why we feel it and how to better handle it.

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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5 Investment Jobs Explained (and what they pay)

Tue, 13 Oct 2026 20:00:00 -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.

Uploaded 14-06-19

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

Tue, 13 Oct 2026 19:30:00 -0000

Topics addressed in today's video:

Uploaded 03-05-19

- 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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The Truth About FIRE - Is Early Retirement Actually Possible?

Tue, 13 Oct 2026 19:00:00 -0000

The first 1000 people to use the link will get a free trial of Skillshare Premium Membership: https://skl.sh/theplainbagel12201

Uploaded 18-12-20

Mentioned YouTuber videos:
- Nate O'Brien: https://youtu.be/iJRA-3g7cG4
- Ryan Scribner: https://youtu.be/URES59zcNyg
- Our Rich Journey: https://youtu.be/KR_eIoIo2vU
- Andrei Jikh: https://youtu.be/AtM5UFlOCGs
- Graham Stephan: https://youtu.be/5S2cRNveZgg

You've probably heard about the "FIRE Movement," but is early retirement possible? We discuss the concept (and its drawbacks) in today's video.

Purchase your Plain Bagel Mug today! Proceeds for 2020 will be donated to Doctors Without Borders: https://store.dftba.com/collections/the-plain-bagel/products/the-plain-bagel-mug

Intro Music: Marty Gots a Plan by Kevin MacLeod
Title Music: https://www.bensound.com/royalty-free-music

Host/Editor: Richard Coffin
Producer: Craig Lord

This video is 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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The Cost of Alberta Separatism

Tue, 13 Oct 2026 18:00:00 -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

Uploaded 13-02-26

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

Tue, 13 Oct 2026 17:32:30 -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.

Uploaded 11-01-19

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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Styles of Investing | Active, Passive, and More

Tue, 13 Oct 2026 17:00:00 -0000

The Plain Bagel Episode VII

Uploaded 19-01-18

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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How Big Banks Stack Up to Silicon Valley Bank - Are Big Unrealized Losses a Risk?

Tue, 13 Oct 2026 16:49:00 -0000

This video is sponsored by Blinkist - get 25% off Blinkist premium (with 2 memberships for the price of 1) PLUS a 7-day free trial here: https://www.blinkist.com/theplainbagel

Uploaded 07-04-23

Some articles have raised concerns over big unrealized losses at America's big banks - let's talk about it.

DISCLAIMER: Richard does not hold a position in any of the companies 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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5 Tips for Preparing for the CFA Exams

Tue, 13 Oct 2026 16:35:00 -0000

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

Uploaded 09-08-19

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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Why Investors Ever Buy Negative Yield Bonds (And How It Can Still Make Them Money)

Tue, 13 Oct 2026 16:00:00 -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.

Uploaded 21-08-20

To skip past bond basics/negative yield explanation: 5:00
Link to video about negative interest rates: https://youtu.be/pX3_3NMZa0k

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 an investment that more or less guarantees a loss of money, and yet people continue to buy it. Today we explain why investors will sometimes purchase negative yield bonds.

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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Evergrande Ordered to Liquidate - What Now?

Tue, 13 Oct 2026 15:37:30 -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

Uploaded 02-02-24

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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Tariffs and Treasuries - The China-US Trade War

Tue, 13 Oct 2026 15:00:00 -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.

Uploaded 13-04-25

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

Tue, 13 Oct 2026 14:40:00 -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.

Uploaded 06-07-18

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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FedNow, and the Conspiracy Theories Around It, Explained

Tue, 13 Oct 2026 14:00:00 -0000

The Federal Reserve just launched FedNow, a new instant payment platform, and a select few online are sounding the alarm. This video will explain what FedNow really is.

Uploaded 20-07-23

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

Tue, 13 Oct 2026 13:42:30 -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.

Uploaded 04-10-19

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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Stocks | How Equity Earns You Money

Tue, 13 Oct 2026 13:00:00 -0000

The Plain Bagel Episode III

Uploaded 13-10-17

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 Ridiculous Rise and Fall of WeWork

Tue, 13 Oct 2026 12:45:00 -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

Uploaded 17-11-23

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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Investment Analyst Reacts to Finance TikToks - Naughty and Nice Edition

Tue, 13 Oct 2026 12:00:00 -0000

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

Uploaded 12-12-25

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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Welcome To The Plain Bagel

Tue, 13 Oct 2026 11:47:30 -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!

Uploaded 08-09-17

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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The Difference Between The Stock Market and The Economy

Tue, 13 Oct 2026 11:00:00 -0000

The first 1000 people to use the link will get a free trial of Skillshare Premium Membership: https://skl.sh/theplainbagel11201

Uploaded 20-11-20

Purchase your Plain Bagel Mug today! Proceeds for 2020 will be donated to Doctors Without Borders: https://store.dftba.com/collections/the-plain-bagel/products/the-plain-bagel-mug

Today we explore the difference between the stock market and the economy, and why the two have diverged so drastically during this pandemic.

Intro Music: Marty Gots a Plan by Kevin MacLeod
Title Music: https://www.bensound.com/royalty-free-music

Host/Editor: Richard Coffin
Producer: Craig Lord

This video is 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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The Risk the War in Iran Poses to the Global Economy

Tue, 13 Oct 2026 10:50:00 -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

Uploaded 06-03-26

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

Tue, 13 Oct 2026 10:00:00 -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.

Uploaded 16-12-24

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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Huge Announcement

Tue, 13 Oct 2026 09:52:30 -0000

Some huge news for the channel

Uploaded 01-04-25

"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, 13 Oct 2026 09:00:00 -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

Uploaded 28-06-24

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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Investing Won't Make You Rich (Probably)

Tue, 13 Oct 2026 08:55:00 -0000

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

Uploaded 22-03-19

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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How I Research Stocks - Step-by-Step Fundamental Analysis

Tue, 13 Oct 2026 08:00:00 -0000

This video is sponsored by Morning Brew - use the following link to sign up for their awesome newsletter: https://morningbrewdaily.com/theplainbagel

Uploaded 23-06-23

00:00 - Introduction
02:02 - Screening for ideas
03:09 - Understanding the business
05:51 - Understanding the finances
09:50 - Understanding the strategy
13:00 - Stock Valuation
15:44 - Review and finalize notes
17:11 - Conclusion

Resources (no current affiliation):
- Free Screener: https://finviz.com/screener.ashx
- Free Data Terminals (some with watchlists/screeners)
- https://www.tikr.com/
- https://app.koyfin.com/
- https://wallmine.com/ (an old sponsor)
- Free Watchlist: https://www.bloomberg.com/markets/watchlist

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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Do Rate Cuts ACTUALLY Send Stocks Higher?

Tue, 13 Oct 2026 07:57:30 -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.

Uploaded 23-08-24

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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Hedging Explained - The Insurance of Investing

Tue, 13 Oct 2026 07:00:00 -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.

Uploaded 24-07-20

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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Stock Buybacks - The Good And The Bad Explained

Tue, 13 Oct 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.

Uploaded 06-11-20

Purchase your Plain Bagel Mug today! Proceeds for 2020 will be donated to Doctors Without Borders: https://store.dftba.com/collections/the-plain-bagel/products/the-plain-bagel-mug

The stock buyback is broadly viewed as a positive thing by value investors, but how exactly does it work, and can it actually be a net negative in some circumstances? We answer these questions 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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Finance Movie Review: Barbarians at the Gate

Tue, 13 Oct 2026 06:02:30 -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

Uploaded 15-11-24

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

Tue, 13 Oct 2026 06:00:00 -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.

Uploaded 25-07-25

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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YouTube Has an Investment Scam Comment Problem

Tue, 13 Oct 2026 05:05:00 -0000

Just wanted to vent about a problem I've noticed on my channel, and the investment space as a whole. This is something I've brought up with YouTube, but pending any further action from them I wanted to raise awareness and ask for your help in dealing with these fraudsters!

Uploaded 23-10-20

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Rest in Peace…

Tue, 13 Oct 2026 05:00:00 -0000

Paying our respects to TikTok

Uploaded 19-01-25

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How is This Allowed On YouTube?? (Investment Scam)

Tue, 13 Oct 2026 04:07:30 -0000

Scammers are now imitating YouTubers, and my channel is being flooded once again with scam comments, this time under my own name. So I made a rant about it.

Uploaded 22-12-20

Video with New Money: https://youtu.be/EVqnbSsf0Ug
Video with Coffeezilla: https://youtu.be/9v28g85LHHQ

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Investment Analyst Explains: Dumb Money

Tue, 13 Oct 2026 04:00:00 -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

Uploaded 10-11-23

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

Tue, 13 Oct 2026 03:10:00 -0000

Topics addressed in today's video:

Uploaded 23-11-18

- How Canada taxes short-term traders
- How long synthetic stocks last
- 2008
- Duration and 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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Evergrande Files Chapter 15 Bankruptcy Protection - The State of Chinese Real Estate

Tue, 13 Oct 2026 03:00:00 -0000

00:00 - Intro
01:39 - Recap
04:06 - Chapter 15 filing
05:52 - China’s real estate market
08:13 - The concerns
09:03 - How this differs from 2008
12:20 - Closing thoughts

Uploaded 25-08-23

Evergrande recently filed for Chapter 15 bankruptcy - let's dive into what this means, and where China's real estate market (and economy) stand today.

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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No Deal For Canada - Now What?

Tue, 13 Oct 2026 02:12:30 -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

Uploaded 04-08-25

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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The Great Depression - 5 Minute History Lesson

Tue, 13 Oct 2026 02:00:00 -0000

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

Uploaded 08-06-18

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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The GameStop Rally Explained - Why It's Likely Not What It Seems

Tue, 13 Oct 2026 01:49:00 -0000

I do not have a long or short position on GME.

Uploaded 27-01-21

Buy a Plain Bagel Mug and support a charity! Proceeds for 2021 will be donated to Doctors Without Borders: https://store.dftba.com/collections/the-plain-bagel

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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Stock Options Explained

Tue, 13 Oct 2026 01:15:00 -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.

Uploaded 31-08-18

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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Forex Trading/Investing Explained

Tue, 13 Oct 2026 01:00:00 -0000

For a limited time, use the link in my description to get a free trial of Skillshare Premium Membership: https://skl.sh/theplainbagel09201

Uploaded 04-09-20

Video on Futures: https://www.youtube.com/watch?v=1Mhk4UHJsRc&t=0s
Video on Options: https://www.youtube.com/watch?v=VJgHkAqohbU&t=0s

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

Today we cover forex, FX, foreign exchange, whatever you like to call it. Seen by some as a mere requirement of international trade, it's viewed by others as an investment/trading opportunity. We explain why in our 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.

This video is sponsored by Skillshare

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The Cost of Share Dilution

Tue, 13 Oct 2026 00:17:30 -0000

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

Uploaded 31-05-19

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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Plain Bagel QandA 4 | P/E, QE, and Short-Term Needs

Tue, 13 Oct 2026 00:00:00 -0000

The Plain Bagel Q and A 4

Uploaded 25-05-18

More Details on QE:
QE is a concerted effort to provide additional monetary stimulus to the economy in order to light a fire under it and get growth increasing again. If we look back at recent history, during and for a long period after the financial crisis of 08/09, the central banks dropped their key interest rates to zero or virtually zero. They did this in order to incentivize the commercial banking system to borrow free money and then easily lend that same money out into the financial system for an easy profit for themselves. However, this didn’t work so well because, although the banks did borrow the free money, they then horded this free money in low to moderate risk investments without really investing and lending the funds into the real economy. At this point, this is where QE came into a necessary realization and effect.

As mentioned, central banks (in effect) increase their own bank account balances and then buy various financial securities from commercial banks and other institutional investors. This effectively lowers longer-term interest rates (not short-term rates which are again already virtually zero) by artificially inflating the prices of the securities being bought by the QE operations. This in effect makes most government backed or guaranteed securities prevail at artificially and abnormally low yields (same interest payment, but higher prices). As a corollary, these same securities by default become much less attractive to any private market investor. In connecting the dots, as a final result, this will encourage both institutional and retail investors to put their money into more risky investments like stocks and corporate bonds, and this will eventually boost the stock market.

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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Plain Bagel QandA 7 | Derivatives, Dividends, Animations, and POLYPHONIC EXPOSED!

Mon, 12 Oct 2026 23:20:00 -0000

Topics addressed in today's video:

Uploaded 08-02-19

- The size of the derivatives market
- Dividend taxes
- Tariffs during the Great Depression
- Craig might be Polyphonic
- How I do my animations

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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Investment Analyst Reacts to Finance TikToks - Prediction Markets and More

Mon, 12 Oct 2026 23:00:00 -0000

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

Uploaded 02-05-26

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

Mon, 12 Oct 2026 22:22:30 -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.

Uploaded 20-07-18

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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The Bitcoin Treasury "Infinite Money Glitch"

Mon, 12 Oct 2026 22:00:00 -0000

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

Uploaded 15-08-25

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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Memestocks Won't Make You Rich (Probably)

Mon, 12 Oct 2026 21:25:00 -0000

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

Uploaded 04-10-24

@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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What do Rising Interest Rates Mean?

Mon, 12 Oct 2026 21:00:00 -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!

Uploaded 04-05-18

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

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Fees | How Investments Cost You

Mon, 12 Oct 2026 20:27:30 -0000

The Plain Bagel Episode VIII

Uploaded 16-02-18

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

Mon, 12 Oct 2026 20:00:00 -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

Uploaded 06-06-25

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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Waiting to Invest is Costing You... A Lot

Mon, 12 Oct 2026 19:30:00 -0000

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

Uploaded 28-06-19

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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Stock Indices and Index Fund Investing

Mon, 12 Oct 2026 19:00:00 -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.

Uploaded 22-06-18

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

Mon, 12 Oct 2026 18:00:00 -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

Uploaded 15-11-19

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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The Bitcoin Treasury Reckoning - Why People Are Blaming JPMorgan

Mon, 12 Oct 2026 17:32:30 -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

Uploaded 28-11-25

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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Should You Buy a House? (First Time Home Buyers)

Mon, 12 Oct 2026 17:00:00 -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.

Uploaded 01-11-19

Mortgage calculator: https://www.realtor.ca/calculator#v=payment

If you're interest in buying your first home, you're probably wondering how much home you can afford, and what you can expect to pay on a monthly basis. Today's video aims to offer valuable rules of thumbs and things to ask yourself before making the purchase.

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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Explaining Celebrity Explanations in The Big Short

Mon, 12 Oct 2026 16:35:00 -0000

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

Uploaded 27-12-19

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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The Difference Between Trading and Investing

Mon, 12 Oct 2026 16:00:00 -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.

Uploaded 26-06-20

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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Another US Bank Has Failed - Now What?

Mon, 12 Oct 2026 15:37:30 -0000

With the takeover and sale of First Republic Bank, I wanted to take a moment to review and explain the situation.

Uploaded 01-05-23

DISCLAIMER: Richard does not hold a position in any of the companies 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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Are Trump's Tariffs Working?

Mon, 12 Oct 2026 15:00:00 -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?

Uploaded 12-09-25

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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AI Is Giving Financial Advice Now

Mon, 12 Oct 2026 14:40:00 -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?

Uploaded 29-05-26

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 | ETFs and Robo Advisors

Mon, 12 Oct 2026 14:00:00 -0000

The Plain Bagel Episode VI

Uploaded 08-12-17

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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Why Central Banks Target 2% Inflation

Mon, 12 Oct 2026 13:42:30 -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!

Uploaded 26-09-25

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

Mon, 12 Oct 2026 13:00:00 -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.

Uploaded 06-09-24

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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Using ChatGPT to Trade Stocks - Let's Talk

Mon, 12 Oct 2026 12:45:00 -0000

How Money Work's video on ChatGPT: https://youtu.be/TbBEScH-is4
University of Florida study: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4412788

Uploaded 07-07-23

Let's talk about recent experiments and studies that are using ChatGPT to trade stocks...and why it's probably not a good idea.

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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Bagel Buddies Trailer (April Fools Video)

Mon, 12 Oct 2026 12:00:00 -0000

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

Uploaded 01-04-19

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

Mon, 12 Oct 2026 11:47:30 -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

Uploaded 06-03-20

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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Investment Analyst Reacts to Finance TikToks - Part 9

Mon, 12 Oct 2026 11:00:00 -0000

Markets are falling, and the world is in a full fledged trade war - let's watch some TikToks.

Uploaded 25-04-25

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 and Richard Coffin

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How Diversification Works

Mon, 12 Oct 2026 10:50:00 -0000

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

Uploaded 24-01-20

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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Let's Talk De-Dollarization - Why the Dollar Isn't Going Anywhere Anytime Soon

Mon, 12 Oct 2026 10:49:00 -0000

This video is sponsored by Brilliant - go to https://brilliant.org/theplainbagel to get a 30-day free trial + the first 200 people will get 20% off their annual subscription.

Uploaded 21-04-23

There's been a lot of talk about de-dollarization lately - let's break down the concept, and discuss why the dollar (likely) isn't going anything.

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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Investment Analyst Reacts to Finance TikToks - Part 7

Mon, 12 Oct 2026 10:00:00 -0000

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

Uploaded 26-07-24

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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Plain Bagel QandA 2 | Income and Wolf Mugs

Mon, 12 Oct 2026 09:52:30 -0000

The Plain Bagel Q and A 2

Uploaded 05-01-18

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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What To Do With Finfluencers?

Mon, 12 Oct 2026 09:00:00 -0000

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

Uploaded 22-03-24

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 and 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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The Sketchy Companies Paying YouTubers to Promote Their Stock

Mon, 12 Oct 2026 08:55:00 -0000

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

Uploaded 02-12-24

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

Mon, 12 Oct 2026 08:00:00 -0000

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

Uploaded 26-07-19

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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The Canada-China Trade Deal

Mon, 12 Oct 2026 07:57:30 -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.

Uploaded 23-01-26

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 Does Everyone Hate Private Equity?

Mon, 12 Oct 2026 07:00:00 -0000

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

Uploaded 20-09-24

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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Investing | 5 Steps for Getting Started

Mon, 12 Oct 2026 07:00:00 -0000

The Plain Bagel Episode XII

Uploaded 11-05-18

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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Investment Analyst Reacts to Finance TikToks - Holiday Special 2024

Mon, 12 Oct 2026 06:02:30 -0000

Happy holidays - let's celebrate with finance TikToks.

Uploaded 27-12-24

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 and Richard Coffin

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The SEC Goes After Crypto Exchanges - Why People are Angry

Mon, 12 Oct 2026 06:00:00 -0000

The SEC announced that it is suing both Binance and Coinbase this week. The implications could be massive for the crypto industry. In today’s video, I explain what this means for the area, and why people are upset about the lawsuits.

Uploaded 07-06-23

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 Coinbase or any mentioned stocks.
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 Rising Treasury Yields Mean for the Economy

Mon, 12 Oct 2026 05:05:00 -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

Uploaded 13-10-23

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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Why People Are Freaking Out Over Bonds

Mon, 12 Oct 2026 05:00:00 -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

Uploaded 30-05-25

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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Plain Bagel QandA 3 | Greek Debt and Robinhood App

Mon, 12 Oct 2026 04:07:30 -0000

The Plain Bagel Q and A 3

Uploaded 16-03-18

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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What A Year...

Mon, 12 Oct 2026 04:00:00 -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.

Uploaded 30-12-25

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

Mon, 12 Oct 2026 03:10:00 -0000

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

Uploaded 08-11-19

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 5 | Mostly Weed Stock Questions

Mon, 12 Oct 2026 03:00:00 -0000

Check out Brandon Beavis' channel, Brandon Beavis Investing! Great guy with an impressive number of investment certifications for his age!

Uploaded 17-08-18

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:
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 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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High Frequency Trading and its Impact on Markets

Mon, 12 Oct 2026 02:12:30 -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.

Uploaded 20-03-20

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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The Active Vs Passive Investing Debate

Mon, 12 Oct 2026 02:00:00 -0000

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

Uploaded 10-01-20

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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Is a Bear Market Coming?

Mon, 12 Oct 2026 01:15:00 -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!

Uploaded 08-03-19

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's Going on With Tupperware's Stock?

Mon, 12 Oct 2026 01:00:00 -0000

Tupperware's Stock is up 700%+... let's dive into why this boring company is seeing less-than-boring performance.

Uploaded 04-08-23

SEC Report link: https://www.sec.gov/files/staff-report-equity-options-market-struction-conditions-early-2021.pdf

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 ticker IEP or any mentioned stocks.
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

Mon, 12 Oct 2026 00:17:30 -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.

Uploaded 16-02-24

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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Is the SandP 500 Too Concentrated?

Mon, 12 Oct 2026 00:00:00 -0000

Some have become concerned with the concentration of the S and 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.

Uploaded 01-03-24

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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SPACs Explained (and Why You Might Want to Avoid Them)

Sun, 11 Oct 2026 23:20:00 -0000

The first 100 people to use this link (or use coupon code BAGEL50) will get a free week of Noa's premium subscription, plus 50% the annual fee: https://www.newsoveraudio.com/bagel

Uploaded 04-12-20

Purchase your Plain Bagel Mug today! Proceeds for 2020 will be donated to Doctors Without Borders: https://store.dftba.com/collections/the-plain-bagel/products/the-plain-bagel-mug

SPACs have been popping up left, right and centre, but are they worth all the hype? We explain the investment vehicle, and why you might want to avoid it, on today's episode.

Intro Music: Marty Gots a Plan by Kevin MacLeod
Title Music: https://www.bensound.com/royalty-free-music

Host/Editor: Richard Coffin
Producer: Craig Lord

This video is sponsored by NOA

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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Taxes | Registered Accounts and Tax Efficiency

Sun, 11 Oct 2026 23:00:00 -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.

Uploaded 02-03-18

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

Sun, 11 Oct 2026 22:22:30 -0000

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

Uploaded 17-04-20

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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The Plain Bagel Turns 1

Sun, 11 Oct 2026 22:00:00 -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. :)

Uploaded 28-09-18

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The Dangers of Bitcoin - My Thoughts

Sun, 11 Oct 2026 21:25:00 -0000

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

Uploaded 31-01-18

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

Sun, 11 Oct 2026 21:00:00 -0000

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

Uploaded 15-05-20

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

Sun, 11 Oct 2026 20:27:30 -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.

Uploaded 10-07-20

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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Another Crypto Exchange Founder Guilty - CZ's Charges Explained

Sun, 11 Oct 2026 20:00:00 -0000

Binance and its founder Chanpeng Zhao (CZ) have pleaded guilty to anti-money laundering charges. Let's dive into the case, and what it means for crypto.

Uploaded 22-11-23

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 I Don't "HODL" Bitcoin

Sun, 11 Oct 2026 19:49:00 -0000

First thing’s first: no, it’s not a typo

Uploaded 22-01-21

Secondly: Bitcoin's back to an all time new high, but I'm sitting out. In this video I explain why.

Buy a Plain Bagel Mug and support a charity! Proceeds for 2021 will be donated to Doctors Without Borders: https://store.dftba.com/collections/the-plain-bagel

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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Capitalization and Depreciation Explained

Sun, 11 Oct 2026 19:30:00 -0000

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

Uploaded 19-04-19

CLARIFICATION: while R and D can be capitalized under IFRS (international accounting system), most R and 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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2023 Finance Rewind - AI and Bank Collapses

Sun, 11 Oct 2026 19:00:00 -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

Uploaded 22-12-23

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

Sun, 11 Oct 2026 18:00:00 -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.

Uploaded 01-05-20

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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Cash Equivalents and Alternatives | Non Traditional Investments

Sun, 11 Oct 2026 17:32:30 -0000

The Plain Bagel Episode IV

Uploaded 10-11-17

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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Prediction Markets Are Ruining the Finance Industry

Sun, 11 Oct 2026 17:00:00 -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

Uploaded 18-04-26

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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Plain Bagel QandA 1 | Good Reads and Rolled Sleeves

Sun, 11 Oct 2026 16:35:00 -0000

The Plain Bagel Q and A 1

Uploaded 27-10-17

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 and 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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Investor Beware - The Dangers of Tesla's Stock

Sun, 11 Oct 2026 16:00:00 -0000

Tesla's stock has skyrocketed recently, but it doesn't take much to see that the position is very expensive - in today's video, I explain why this makes the position very risky for investors.

Uploaded 28-12-20

Purchase your Plain Bagel Mug today! Proceeds for 2020 will be donated to Doctors Without Borders: https://store.dftba.com/collections/the-plain-bagel/products/the-plain-bagel-mug

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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What Just Happened With Chinese Stocks?

Sun, 11 Oct 2026 15:37:30 -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.

Uploaded 11-10-24

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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The Plain Bagel Now Has Merch

Sun, 11 Oct 2026 15:00:00 -0000

The Plain Bagel Mug is on pre-sale now: https://store.dftba.com/collections/the-plain-bagel/products/the-plain-bagel-mug

Uploaded 28-10-20

All 2020 channel proceeds from the sale of these mugs will be donated to Doctors Without Borders. Learn more about the charity here: https://www.doctorswithoutborders.ca/

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The Crazy Tariff Announcement Crashing Markets

Sun, 11 Oct 2026 14:40:00 -0000

Liberation Day has come - let's sort through the wreckage

Uploaded 04-04-25

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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5 Common Investment Scams (And How to Avoid Them)

Sun, 11 Oct 2026 14:00:00 -0000

Happy Friday everyone! Get 68% off NordVPN (for $3.71/mo), plus an additional month FREE by visiting https://nordvpn.com/theplainbagel2 or using code theplainbagel2 at checkout.

Uploaded 16-10-20

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

There are plenty of scams out there, especially in the world of investing - today we go over 5 of them so you can better avoid them in the future.

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

This video is sponsored by NordVPN

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 are Futures?

Sun, 11 Oct 2026 13:42:30 -0000

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

Uploaded 18-10-19

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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Risk - Understanding Investment Uncertainty

Sun, 11 Oct 2026 13:00:00 -0000

The Plain Bagel Episode X

Uploaded 30-03-18

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

Sun, 11 Oct 2026 12:45:00 -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.

Uploaded 07-08-20

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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Bonds | Using Debt to Invest

Sun, 11 Oct 2026 12:00:00 -0000

The Plain Bagel Episode II

Uploaded 29-09-17

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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Dividends Are Irrelevant (Sort Of...)

Sun, 11 Oct 2026 11:47:30 -0000

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

Uploaded 27-10-23

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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Investment Analyst Reacts to Investing TikToks (Part 5)

Sun, 11 Oct 2026 11:00:00 -0000

This video is sponsored by Blinkist - get a 7-day free trial and 25% off Blinkist Annual Premium by clicking here: https://www.blinkist.com/theplainbagel or scanning the QR code in video.

Uploaded 09-06-23

We're back watching some of finance TikTok's...finest?

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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Growth Vs Value Investing

Sun, 11 Oct 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.

Uploaded 18-09-20

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

Value and Growth Investing are two of the most popular investing strategies around, but what do they entail, and how do they compare? We answer these questions and more 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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What Constitutes Market Manipulation? Featuring @LegalEagle

Sun, 11 Oct 2026 10:00:00 -0000

There's been a lot of discussion around whether Keith Gill is manipulating GameStop shares - let's dive into whether or not this could be legally considered a pump and dump.

Uploaded 18-06-24

Thank you @LegalEagle for lending your expertise!

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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Private Credit Panic - Why Investors Are Rushing For the Exits

Sun, 11 Oct 2026 09:52:30 -0000

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

Uploaded 20-03-26

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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Behavioral Finance | Investor Irrationality

Sun, 11 Oct 2026 09:00:00 -0000

The Plain Bagel Episode XI

Uploaded 13-04-18

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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The IPO Process

Sun, 11 Oct 2026 08:55:00 -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.

Uploaded 22-02-19

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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Explaining The Bitcoin Spot ETF Situation

Sun, 11 Oct 2026 08:00:00 -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.

Uploaded 26-01-24

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

Sun, 11 Oct 2026 07:57:30 -0000

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

Uploaded 09-11-18

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

Sun, 11 Oct 2026 07:00:00 -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

Uploaded 26-04-24

*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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