The Plain Bagel

Welcome to The Plain Bagel! If you are looking to expand your knowledge in the areas of finance and investing, than you've come to the right place!Music:https://www.bensound.com/royalty-free-music Citations:https://beta.theglobeandmail.com/report-on-business/rob-commentary/how-should-canada-teach-financial-literacy-in-schools/article27265820/?ref=http://www.theglobeandmail.com& Learn more about your ad choices. Visit megaphone.fm/adchoices

00:00 - Intro01:42 - What Section 899 Does02:44 - Withholding Tax Basics04:34 - Impacted Investments06:37 - What Constitutes "Discriminatory Taxes”10:21 - Implications for Foreign Countries12:03 - Implications for the US14:08 - What Investors Should DoHidden 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

00:00 - Introduction02:23 - ChatGPT Announcement05:44 - The Pros07:54 - Advice Concerns10:09 - Regulatory Ambiguity14:22 - Considerations for Using AI Advisors16:56 - Will AI Replace Advisors?Dead on the Money Podcast Episode: https://youtu.be/po9zpbVQOYE?si=1B2Ff87jzRakyMdrChatGPT 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

00:00 - Intro02:22 - Recap04:47 - The Latest Tariff Update05:47 - The CUSMA Exemption08:04 - Effective Tariff Rates08:58 - The (Still) Negative Impact of Tariffs10:34 - Where Canada Goes From Here12:40 - ConclusionOn 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

The first 1000 people who click the link will get 2 free months of Skillshare Premium: https://skl.sh/theplainbagel7If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicOil 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 SkillshareDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

To clarify, Hitler was NOT the founder of the Nazi party, sorry for any confusion!The Great Depression was the worst economic downturn of the industrialized world, crippling the wealth of Americans throughout the 1930's. How did it happen? Let's find out with a 5 Minute History Lesson.Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode 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=USUAN1100794Artist: http://incompetech.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Topics addressed in today's video:- How Canada taxes short-term traders- How long synthetic stocks last- 2008- Duration & convexity- The value of non-voting shareshttps://www.youtube.com/channel/UCoYDuEolAYsjQzzqe2dh1sgEpisode 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=USUAN1100671DISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's been 10 years since Nortel Networks, a Canadian behemoth, filed for bankruptcy protection, not long after it had grown to represent more than a third of the Canadian stock market. Let's dive into what brought down the massive company with today's 5 Minute History Lesson.Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode 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=USUAN1100794Artist: http://incompetech.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

**Edit**: most mutual funds require a minimum initial investment that can range anywhere from $100 to $3000, though the amount varies depending on the fund.The Plain Bagel Episode VFor 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-musicEpisode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Interest rates are on the rise in both Canada and the U.S., what does this mean for consumers and investors? Find out with today's episode!Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music: http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices

👉 To learn for free on Brilliant, go to https://brilliant.org/theplainbagel, scan the QR code onscreen. Brilliant’s also given our viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant. 00:00 - Intro03:15 - Canada and China Background06:48 - The Trade Deal08:58 - Other Agreements10:24 - Why China?13:15 - Controversy14:50 - Final Thoughts17:38 - ConclusionLast 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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.Mortgage calculator: https://www.realtor.ca/calculator#v=paymentIf 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-musicDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ever wonder what all the hype around dividends is? With today's video, we'll dive into how dividends work, why people like them so much, and what to look out for when hunting them down.Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Episode IIIShares 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-musicEpisode 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-2015-7https://data.worldbank.org/indicator/NY.GDP.MKTP.KD.ZG?end=2016&locations=IN&start=1976https://ycharts.com/companies/NKE/shares_outstanding Learn more about your ad choices. Visit megaphone.fm/adchoices

Richard does not hold a position in MSTR or any other bitcoin treasury companies.Bitcoin treasuries have become a popular strategy for companies thanks to Michael Saylor and his firm Strategy (formerly MicroStrategy). Let's dive into how this idea has taken off, and what it means for bitcoin.If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Episode VIManaged 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-musicEpisode 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Spreadsheet: https://docs.google.com/spreadsheets/d/1NgOmPul65qG_S7I774bc7YfFtL7cWsz6GtSabXhGKwQ/edit?usp=sharingI 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

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.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 Learn more about your ad choices. Visit megaphone.fm/adchoices

00:00 - Introduction03:44 - SpaceX Overview04:53 - IPO Details05:47 - Insane Valuation06:53 - The Wild Prospectus11:02 - The Retail Push11:38 - Other IPOs (Anthropic and OpenAI)13:23 - The Concerns16:56 - Crowding Out Risk17:58 - The AI Bubble20:24 - Concluding ThoughtsSpaceX IPOs today, and Anthropic/OpenAI are looking to go public in the near term. Today we discuss the trend, what it means for markets, and how it balances against fears of an AI bubble.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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out Brandon Beavis' channel, Brandon Beavis Investing! Great guy with an impressive number of investment certifications for his age!https://www.youtube.com/channel/UCoYDuEolAYsjQzzqe2dh1sgEpisode 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=USUAN1100671DISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Episode IICompanies 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-musicEpisode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices

The first 1000 people who click the link will get 2 free months of Skillshare Premium: https://skl.sh/theplainbagel6If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicIt'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 SkillshareDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Wallmine link: https://wallmine.com/users/sign-up?r=18im&utm_source=youtube&utm_medium=plainbagel&utm_campaign=plainbagelCLARIFICATION: while R&D can be capitalized under IFRS (international accounting system), most R&D expenses cannot be capitalized under U.S. GAAP (the accounting system used by American companies).Capitalization and depreciation can be confusing topics, but they are worth understanding, as they can materially impact the numbers you see on the income statement. Today we’ll go over the topics and what you can do to circumvent the impact of lax assumptions on profit numbers.Intro/Outro Music: https://www.bensound.com/royalty-free-musicDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Episode XIn 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.pdfIntro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music: http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Bit of a one off, more personal video on why I don't commit to doing YouTube full time. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Episode XIAs 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-musicEpisode Music: http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Episode ILet's start from the beginning - what is investing? This video covers some basic concepts, and strives to argue why its important to learn more about investing.To skip over the basic concept's section, jump to 3:08.Intro/Outro Music: https://www.bensound.com/royalty-free-musicEpisode Music (Licensed): http://freemusicarchive.org/music/Podington_Bear/Sources:https://www.canadianveterinarians.net/documents/canada-s-pet-wellness-report2011http://www.broadbentinstitute.ca/canadians_approaching_retirement_with_totally_inadequate_savings_seniors_poverty_rates_increasing_new_study http://business.financialpost.com/personal-finance/managing-wealth/more-than-two-thirds-of-canadians-worry-a-lot-about-money-but-69-still-dont-have-a-planhttp://www.inflation.eu/inflation-rates/canada/historic-inflation/cpi-inflation-canada.aspx Learn more about your ad choices. Visit megaphone.fm/adchoices

The covered call strategy is popular online given its ability to generate "bonus income," but it comes with its drawbacks. We'll dive into both the pros and cons with today's video.00:00 – Intro02:05 – Covered Call Overview04:44 – The Pros05:41 – The Cons09:16 – Risk-Adjusted Returns10:48 – Why You Need to Be Cautious11:33 - ConclusionDISCLAIMER: 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). Learn more about your ad choices. Visit megaphone.fm/adchoices

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#/bda7594740fd40299423467b48e9ecf6Doctor Mike's Channel: https://www.youtube.com/channel/UC0QHWhjbe5fGJEPz3sVb6nwThe 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week we hit 100K subscribers... thank you!I will be posting a video once shirts are available, stay tuned. :)If you haven't seen the Ted Ed video yet, here's a link: https://youtu.be/SwaCg7Gwtzw Learn more about your ad choices. Visit megaphone.fm/adchoices

It's a big deal when a stock IPOs, and you may be interested in participating, but it's important to understand the IPO process before jumping on the bandwagon, because as you'll see, you face some unique risks and disadvantages when buying a company's first shares.Intro/Outro Music: https://www.bensound.com/royalty-free-musicDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

April fools!NFT Video: https://youtu.be/f4AlRKPnxBU?si=SFo-TuwxPj5l6vCU Learn more about your ad choices. Visit megaphone.fm/adchoices

Canada has been looking into removing it's interprovincial trade barriers, but what exactly are these barriers, and how much are they costing the Canadian economy?If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices

Click the link to get two FREE months of Skillshare Premium: https://skl.sh/theplainbagel5If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Intro/Outro Music: https://www.bensound.com/royalty-free-musicYou'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 SkillshareDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sign up for Morning Brew today for your daily news briefing by using my link 👉🏻 https://morningbrewdaily.com/plainbagelTrump started - then postponed - a trade war with Canada. Let's go over what happened, and why the tariffs were so controversialIf 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

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/theplainbagelWe'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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Everyone believes we're in a bubble...so why are companies still spending hundreds of billions on the space? We lay things out in today's video.If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we're talking about memestocks, and why they PROBABLY won't make you rich.@JamesJani's video: https://youtu.be/7LPuXowifJ4?si=L_gfIa-SS4T20Nh4If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) Buy a Plain Bagel Mug: https://www.theplainbagel.com/merchDISCLAIMER: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). Learn more about your ad choices. Visit megaphone.fm/adchoices

Get your free trial with Blinkist (today's sponsor) and save an additional 30%. Go to http://blinkist.com/bagel.My name is Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Q&A 2Question 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=USUAN1100671Artist: http://incompetech.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

This Saturday, the current U.S. bull market turns 10 years old, the first to ever do so in America. But many are concerned that a bear market is waiting around the corner. Why? Let's find out on today's Plain Bagel!Intro/Outro Music: https://www.bensound.com/royalty-free-musicDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Plain Bagel Q&A 4More 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=USUAN1100671Artist: http://incompetech.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

To learn for free on Brilliant, go to https://brilliant.org/theplainbagel. Brilliant’s also giving viewers 20% off an annual Premium subscription, which gives you unlimited daily access to everything on Brilliant!00:00 - Introduction02:09 - The Origin of 2% Inflation04:03 - Argument for 2%06:57 - Why Not Deflation?09:21 - Costs and Considerations12:30 - Why the Target Won't Change13:48 - SponsorDespite 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Markets are falling, and the world is in a full fledged trade war - let's watch some TikToks.My name's Richard Coffin, I'm an investment analyst with my Chartered Financial Analyst and Certified Financial Planner designations, registered with the Ontario Securities Commission as a portfolio manager.If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :)DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewersEdited by: Emma Konrad & Richard Coffin Learn more about your ad choices. Visit megaphone.fm/adchoices

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)The Big Short is a great movie on the 2008 financial crisis with some awesome celebrity cameos. These cameos explain complicated financial products with funny analogies, but today I thought I'd explain the topics a bit further.DISCLAIMER:This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :)Short selling lets investors bet against a stock, profiting when it falls in price, but how exactly does a short work? We'll discuss the process and the risks it entails in today's video!Intro/Outro Music: https://www.bensound.com/royalty-free-musicDISCLAIMER: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. Learn more about your ad choices. Visit megaphone.fm/adchoices

SEC Case: https://www.sec.gov/files/litigation/complaints/2024/comp-pr2024-89.pdfDOJ Indictment: https://www.justice.gov/criminal/media/1362116/dl?inlineAndrew Left of Citron Research was recently charged with securities fraud - let's go through the allegations.DISCLAIMER: I do not hold positions in any of the stocks/crypto mentioned in this video.This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices

Some have become concerned with the concentration of the S&P 500 amid the dominance of stocks like the "Magnificent 7." We'll dive into how concentrated the index really is in today's video.DISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices

00:00 - Introduction02:45 - Primer05:11 - Why are yields rising05:58 - Credit Rating Downgrade07:57 - One Big Beautiful Bill09:33 - The Weak 20-year Auction10:55 - Japan’s Role?11:26 - Why High Yields Matter13:30 - Why it’s not a financial crisisLink to video comparing US banks to Silicon Valley Bank: https://youtu.be/ZPlrkr1qaE0?si=mwyYceZiSl-B0qsnIf 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 Learn more about your ad choices. Visit megaphone.fm/adchoices

Evergrande Default Worries: https://youtu.be/6VDPmDPombs?si=EDiR9RNp-_Lu-HElChina's Supposed 'Collapse': https://www.youtube.com/watch?v=y06Yfm0hzjICh. 15 Filing: https://www.youtube.com/watch?v=c-n6RN8a2Zo00:00 – Intro01:44 – Recap04:14 – Update06:26 – What Now?08:51 – Real Estate Sector09:50 – Impact on China’s Economy11:15 – Why this isn’t Lehman 2.0A 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). Learn more about your ad choices. Visit megaphone.fm/adchoices