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The Plain Bagel

Investing and personal finance educational videos with a hint of economics, posted regularly.

I'm a CFA charterholder and CFP professional working as an analyst for an investment management company in Ottawa. I'm a huge finance nerd and am passionate about the field - I think people lack the resources they need to make educated financial decisions, and hopefully this channel helps with that!

For collaboration/other inquiries: richard@theplainbagel.com

For sponsorships:
sponsorships@theplainbagel.com

DISCLAIMER:
The videos on this channel are for education purposes only and do not constitute financial advice. 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 and his content should not be used as a basis for investment trades.

Links:
Facebook: https://www.facebook.com/ThePlainBagel/
Twitter: https://twitter.com/the_plain_bagel
Patreon: https://www.patreon.com/ThePlainBagel

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142 episodes
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English

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Today · 16 min
"Crash-Proof" Investments: How Safe Havens Performed in Our Recent Bear Market
The first 1000 people who click the link will get 2 free months of Skillshare Premium: https://skl.sh/theplainbagel6 If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) Intro/Outro Music: https://www.bensound.com/royalty-free-music It's been a scary first quarter for stock market investors, and many may have considered selling their positions to enter certain safe haven positions. But as you'll see, these investments may not provide you the insurance you expect against stock market crashes. This video was sponsored by Skillshare DISCLAIMER: This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 16 min
What Just Happened With Chinese Stocks?
Chinese stocks have rallied recently, leading many to wonder if now's the time to invest. Today I go through the updates we're seeing. If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) Buy a Plain Bagel Mug: https://www.theplainbagel.com/merch DISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 16 min
Covered Calls Explained - The Cost of Income
The covered call strategy is popular online given its ability to generate "bonus income," but it comes with its drawbacks. We'll dive into both the pros and cons with today's video. 00:00 – Intro 02:05 – Covered Call Overview 04:44 – The Pros 05:41 – The Cons 09:16 – Risk-Adjusted Returns 10:48 – Why You Need to Be Cautious 11:33 - Conclusion DISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 21 min
The Dangers of Bitcoin - My Thoughts
Before you buy bitcoin, or tell someone else to do so, make sure you understand these fundamental risks... Richard is NOT a financial adviser, and the points expressed in this video are Richard's opinion. Richard does not have any position in Bitcoin. Sources: https://www.bloomberg.com/news/articles/2017-12-04/israeli-firm-strikes-digital-gold-with-canadian-miner-purchase https://www.thestar.com/business/2018/01/08/struggling-iced-tea-company-that-added-blockchain-to-name-seeks-funding-for-venture-into-bitcoin-mining.html http://www.globeinvestor.com/servlet/ArticleNews/story/GAM/20180113/RBMBITCOINBOP https://socialmediaweek.org/blog/2017/09/58-insane-facts-bitcoin-infographic/ https://cointelegraph.com/explained/bitcoin-scaling-problem-explained https://www.bloomberg.com/news/videos/2017-12-12/bitcoin-is-like-gold-2-0-says-tyler-winklevoss-video http://archive.fortune.com/magazines/fortune/fortune_archive/1996/04/15/211503/index.htm DISCLAIMER: The videos on this channel are for education purposes only and do not constitute financial advice. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers and his content should not be used as a basis for investment trades. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 16 min
Why I Don't Do YouTube Full-Time
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
Today · 19 min
A US Sovereign Wealth Fund - What, How, Why?
Trump has signed an executive order to establish a sovereign wealth fund - let's dive into what SWFs are, and what they would mean for the US. If you'd like to support the channel, you can do so at https://www.patreon.com/c/ThePlainBagel :) DISCLAIMER: This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 4 min
100K Subscribers... Thank You! (Also Shirts!)
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
Today · 10 min
Plain Bagel QandA 3 | Greek Debt and Robinhood App
The Plain Bagel Q&A 3 Question topics: Arbitrage, EA loot boxes, Greek debt, my background education, and the Robinhood trading app *Richard has no affiliation or business relationship with the Robinhood. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 20 min
Grocery Store Greedflation - Is Price Gouging Behind Higher Food Prices?
There's been a lot of talk about grocery stories price gouging during the pandemic - in today's video, I go through the financial statements of some of Canada's and the US' largest grocers to see if big chains really are ripping off consumers. DISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 14 min
Capitalization and Depreciation Explained
Wallmine link: https://wallmine.com/users/sign-up?r=18im&utm_source=youtube&utm_medium=plainbagel&utm_campaign=plainbagel CLARIFICATION: while R&D can be capitalized under IFRS (international accounting system), most R&D expenses cannot be capitalized under U.S. GAAP (the accounting system used by American companies). Capitalization and depreciation can be confusing topics, but they are worth understanding, as they can materially impact the numbers you see on the income statement. Today we’ll go over the topics and what you can do to circumvent the impact of lax assumptions on profit numbers. Intro/Outro Music: https://www.bensound.com/royalty-free-music DISCLAIMER: This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 23 min
Canada's Controversial Capital Gains Tax Change
Sign up for Morning Brew (today's sponsor) using the following link to start reading up on the daily happenings in business, finance and technology: https://morningbrewdaily.com/theplainbagel *NOTE* - The video indicates the government's forecasted budget deficit for 2024-2024 is $38.4B. In fact this figure was updated in the budget to $39.8B. Apologies for the error. Loonie Doctor's Tax Harvesting Tool: https://www.looniedoctor.ca/personal-taxable-account-capital-gains-harvest-simulator/ Canada's Budget: https://budget.canada.ca/2024/home-accueil-en.html Canada's federal government recently announced some controversial changes to how capital gains are taxed. Let's go over the changes and discuss whether or not the online backlash is warranted. If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) DISCLAIMER: This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 16 min
Warren Buffett - The Greatest Investor of All Time (Investor Profile)
The first 100 people to go to https://www.blinkist.com/theplainbagel will get unlimited access for 1 week to try out Blinkist. You'll also get 25% off if you want the full membership. If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) CEO of Berkshire Hathaway, the Oracle of Omaha, World's Greatest Investor...there are a lot of titles that belong to Warren Buffett, but how did one man accomplish so much? We explore Buffett's upbringing in today's video. Intro Music: https://www.bensound.com/royalty-free-music This video is sponsored by Blinkist DISCLAIMER: This channel is for education purposes only and is not affiliated with any financial institution, although Richard does work as an employee for an investment manager. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 10 min
Behavioral Finance | Investor Irrationality
The Plain Bagel Episode XI As humans, we tend to fall victim to different biases when making financial decisions. Let's take a look at behavioral finance and explore how we can circumvent these common pitfalls. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music: http://freemusicarchive.org/music/Podington_Bear/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 14 min
What are Futures?
Click the link to get two FREE months of Skillshare Premium: https://skl.sh/theplainbagel3 If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) You've probably heard of the futures market before, or maybe you've seen future/forward prices mentioned in the news, but what are these numbers? Some magic number predicting future prices? Well...kind of! We'll discuss the topic in today's video. Intro/Outro Music: https://www.bensound.com/royalty-free-music Episode Music: Faster Does It by Kevin MacLeod is licensed under a Creative Commons Attribution license (https://creativecommons.org/licenses/by/4.0/) Source: http://incompetech.com/music/royalty-free/index.html?isrc=USUAN1100794 Artist: http://incompetech.com/ This video was sponsored by Skillshare DISCLAIMER: This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 19 min
E.S.G. Investing - What it Means and Its Pros/Cons
This video was sponsored by Squarespace. Visit https://www.squarespace.com/theplainbagel to save 10% off your first purchase of a website or domain using code THEPLAINBAGEL. If you'd like to support the channel, you can do so at Patreon.com/ThePlainBagel :) Intro/Outro Music: https://www.bensound.com/royalty-free-music With larger discussions going on about important ethical issues, I thought it would be helpful to discuss ESG investing, and approach that looks to balance social values with profits. DISCLAIMER: This channel is for education purposes only and is not affiliated with any financial institution. Richard Coffin is not registered to provide investment advice and as such does not provide recommendations on The Plain Bagel - those looking for investment advice should seek out a registered professional. Richard is not responsible for investment actions taken by viewers. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 20 min
Trump's Tariffs Deemed Illegal - What Now?
00:00 - Intro 01:36 - The Supreme Court Ruling 03:23 - What Tariffs Are Impacted? 05:02 - What About Refunds? 06:57 - The Implications 07:46 - Section 122 Tariffs 09:54 - Trump's Tariff Options 11:46 - Why the Update Still Matters The US Supreme Court has ruled that Trump's IEEPA tariffs are illegal - let's dive into what this means and how else Turmp may pursue tariffs. News Theme 1 by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://audionautix.com/ DISCLAIMER: This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Richard makes no warranties regarding the accuracy of data included in this video. Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 20 min
Prominent Short Seller Charged With Market Manipulation
SEC Case: https://www.sec.gov/files/litigation/complaints/2024/comp-pr2024-89.pdf DOJ Indictment: https://www.justice.gov/criminal/media/1362116/dl?inline Andrew Left of Citron Research was recently charged with securities fraud - let's go through the allegations. DISCLAIMER: I do not hold positions in any of the stocks/crypto mentioned in this video. This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 18 min
Evergrande Ordered to Liquidate - What Now?
Evergrande Default Worries: https://youtu.be/6VDPmDPombs?si=EDiR9RNp-_Lu-HEl China's Supposed 'Collapse': https://www.youtube.com/watch?v=y06Yfm0hzjI Ch. 15 Filing: https://www.youtube.com/watch?v=c-n6RN8a2Zo 00:00 – Intro 01:44 – Recap 04:14 – Update 06:26 – What Now? 08:51 – Real Estate Sector 09:50 – Impact on China’s Economy 11:15 – Why this isn’t Lehman 2.0 A Hong Kong court has recently ordered Evergrande, the massive embattled Chinese real estate developer, to liquidate. Let's go over what might happen from here. DISCLAIMER: I do not hold positions in any of the mentioned companies. This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices
Today · 24 min
What Just Happened With GameStop?
GameStop is back in the news after rallying over 100% this week. Today's video discusses what's going on, and whether the speculative theories around where the ticker goes from here have any merit. Article explaining XRT short interest: https://www.nasdaq.com/articles/why-spdr-retail-etf-xrt-600-short-2011-06-10 SEC Report: https://www.sec.gov/page/sec-staff-release-gamestop-report DISCLAIMERS: I do not hold a long or short position in any of the mentioned companies. Richard Coffin is a registered portfolio manager, CFP professional and CFA charter holder. This channel is for education purposes only and does not constitute financial advice - Richard is not responsible for investment actions taken by viewers. Please seek out a registered advisor if you require assistance (while Richard is a registered portfolio manager at WDS Investment Management, he does not provide advice through The Plain Bagel, which is not directly affiliated with his employer). Learn more about your ad choices. Visit megaphone.fm/adchoices
Yesterday · 6 min
Time to Come Clean (April Fools Video)
April fools! NFT Video: https://youtu.be/f4AlRKPnxBU?si=SFo-TuwxPj5l6vCU Learn more about your ad choices. Visit megaphone.fm/adchoices

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