Hearted Youtube comments on The Plain Bagel (@ThePlainBagel) channel.

  1. Is it a bird? Is it a plane? No, it's a buttload of money
    5300
  2. That's why I actively manage my passive income and passively manage my active income.
    5300
  3. When people talk about how the US real estate market is overvalued, Canada shows that there is a long way that prices can still rise
    4400
  4. So what you are saying is that I should buy Dogecoin?
    4300
  5. Incredible work worth the subscribe. (this comment may or may not be sponsored)
    4100
  6. Silicon Valley: move fast and break things SBV: breaks Silicon Valley: no, not like that
    4000
  7. Seriously good video, very well said!
    3900
  8. Thanks for inviting me on. Hopefully everyone wont just skip to the end of the video to find out if Richard is actually a bagel.
    3600
  9. Wow, driving around in that McLaren really opened some doors for you!
    3500
  10. Wait... I have to do something of value to society to get rich?
    3300
  11. Idk why people mess around with stocks and jobs when you can just go to a bank and say "yo 10x my money" and they just do it no problem.
    3100
  12. Love the attitude brother! From one trader to another, here's a few pointers. 1. Start your day at 3:30am 2. Get in an extra session of chin ups
    2800
  13. Shout out to all the creators out there who have been offered money to promote financial products and say NO to protect their audience. It's NOT easy to do that, and most of those who do rarely get any credit.
    2800
  14. How to grow a portfolio from 500 dollars to 4.7 million dollars: 1. Put 500 dollars into an account 2. Put another 4.7 million into that account
    2600
  15. It's On!
    2500
  16. Using Richard's daily routine, I was able to go from a $40 brokerage account to 8 figures. Thank you Mr. Bagel!
    2400
  17. Finally someone gets it. Being strong physically and mentally is as important, if not more important, than being strong mentally and physically.
    2100
  18. Thank you for your efforts! Masterworks is constantly reaching out to sponsor and I've always wondered more about them. Was suspicious but never dove in. Looks like I'll continue to not work with them.
    2100
  19. This is a great example professional ethics. Would be nice if this was commonplace on the internets wild west of not financial advice.
    2000
  20. Say what you will about Trudeau, but this is a massive win for Bagel and financial YouTube
    2000
  21. I'm totally with you on this. This is why I recommend your channel so much. If it was all stock picks, people would focus on the picks rather than the educational content. Point four is really important, the type of investments that are suitable for one investor are not necessarily appropriate for everyone. Keep up the good work! Oh, and the refund for that "joke" training course is still not showing up in my bank account... Could you check with your bank that they sent it?
    1900
  22. No other YouTubers are refreshingly honest in saying "I have a baby that's kept me up, so I wanted to film an entertaining video without having to script". More of this content!
    1900
  23. Can't we all just panic without you coming ruining the fun ?
    1900
  24. "Everything is tax deductible until you get audited" - The Money Guy
    1900
  25. You're filling a huge gap online Richard. Finance Youtube is full of hype / picks and it's refreshing to see someone steer people away from shortsited positions / quick news. Keep it up!
    1800
  26. Shouldn't there be flames in the thumbnail??
    1800
  27. Thank you Plain Richard for taking accountability, and for mentioning that you used to respect Coffeezilla a lot before he caught you. That was very important and honest information to mention.
    1700
  28. Thank you for being my "designated boring finance Internet guy," Richard.
    1700
  29. I do not understand the downvotes and I own crypto. He explained his view in a polite way and he has some good points. I do not agree with him and I will continue buying crypto. No big deal. He is free not to buy, I am free to buy, everybody happy.
    1600
  30. Sorry Richard I can’t take in any of this useful information without you wagging a stack of cash every few seconds 💸
    1600
  31. you are about to make a lot of 18 year old robinhooters very angry
    1600
  32. I'm taking your advice and moving away from this sort of thing. No more negative clickbait! I'm only putting bikini girls in my thumbnails going forward.
    1600
  33. You mean they explain it in 'Lehman's' terms.... I'll see myself out
    1500
  34. Appreciate the time taken to correct mistakes - most don't bother and I think it's important to address it on topics like this!
    1500
  35. The crypto industry 📉 Richard’s biceps 📈
    1500
  36. Such a privilege for Mr Trudeau to be able to associate himself with such a high class quality economics producer.
    1400
  37. if they borrow money to give you dividend...sell the stocks fast!
    1400
  38. Oh hi 👋 Thanks for the shoutout! I'll try to get more of my analytical videos uploaded here for my fellow nerds when I get a chance.
    1400
  39. Yet another lesson on how seemingly "good" debt can become "bad" under its own weight
    1400
  40. By far the best breakdown of shorting on YouTube.
    1300
  41. Who needs Margot Robbie in a bubble bath when we can have Richard Coffin in front of a Game of Thrones poster?
    1200
  42. "People shouldn't get investment advice from YouTube." That is why I get my investment advice from TikTok.
    1200
  43. Gem of a channel for actual analysis, and less hype 🙏
    1200
  44. Critics: You CAN'T do the same to an American corporation Hindenburg: ICAHN
    1200
  45. So after this video we know two things for certain: TPB's integrity cannot be bought for 2400$, and TPB has no idea what merchandise hoodies sell for nowadays.
    1200
  46. You are a not salesman, you're just too honest. This says a lot about your character. Thank you, just subscribed.
    1200
  47. This was an excellent nuanced discussion of a poorly understood topic. Well done, Richard!
    1200
  48. Someone should tell the US government to sign up for a whole life policy so it can infinite bank its way to prosperity 🤯
    1100
  49. Of course it will make you rich, 1.) Buy a stock 2.) Make video on YouTube about your stock 3.) Make more money from ads on YouTube then you would ever make on the stock allowing you to 4.) buy more stocks. Wash, rinse and repeat
    1100
  50. As a young, overly confident, bragging, six-month, couple thousand euro investor I feel called out.
    1100
  51. You're not late, you're here right when we need you! The way this topic was presented in the past month is just another example of blatant clickbait for sensationalism. You said it perfectly: not even experts can predict what will happen to an economy, let alone some random people. Sure, there are issues with China's economy, but there aren't many - if any - economies that aren't facing serious issues right now, albeit for other reasons.
    1000
  52. These other influencers trying to be sourdough bagels or cinnamon raisin bagels but all we need is the Plain Bagel! Never change!
    1000
  53. Seeing that spreadsheet representing the amount of work you had to put in, massive applause to you Richard & keep up the work. Very inspirational indeed!
    1000
  54. The less provocative way to say this is "dividends are already priced in" 😅
    998
  55. Only piece of advice I can impart is: Increase your stamina, you are younger than Patrick Boyle so use that to your advantage. You can outwork him in the boxing ring.
    988
  56. Richard doesnt wants to reveal his portfolio as it is filled completely with DOGE!!
    977
  57. Hey! I paid for 5:00 and only got 4:59! What gives!
    965
  58. Although im a huge Tesla bull, I really enjoyed this video. I believe anyone who invested a significant amount of his wealth into a single stock should at least hear the counterarguments out before instantly disliking or insulting.
    958
  59. This is a really good interview. I liked the lack of trying to have a 'gotcha' moment and letting Trudeau just speak, I believe, made the interview much more productive.
    950
  60. "Bored Grape" (holds up picture) Comedy gold. 😂
    946
  61. Wow... the quality of this video is just too good. 👍
    936
  62. As Warren Buffet said before the stock rallied - "Life in Plastic, it's fantastic"
    928
  63. Thanks for mentioning this - I can't delete them fast enough...
    927
  64. 1. God bless Patrick Boyle 2. second guy sucks 3. Aswath = Implied ERP man iykyk 4. Joeri is the professor I get a beer with 5. Ben Felix is wickedly smart
    899
  65. "Get a second mortage on your house and yolo it all on Plain Bagel stonks." ~Warren Buffet, founder of BTC, majority stakeholder of Tesla
    896
  66. As a active investor realistically I think that anything above 0 is great :)
    883
  67. I swear just a couple of days ago I was wondering what happend with the whole evergrande thing since its been months since I last heard about this huge problem. Thank you for keeping us well informed as always!
    879
  68. Nah they don't cost 2 grand, they cost $1999
    867
  69. Nice dose of reality in a world of overselling. Always remember: if you invest $2 and suffer a 50% decline (=$1), you're portfolio must return 100% just to break even! Investing is like building muscle; slow and steady growth. Beware of the steroid shortcuts and all associated side effects.
    849
  70. i really appreciate how low-key and non-exaggerated/non-hyperactive your channel is. too many youtubers do silly faces and high-volume gesturing that bothers me.....
    849
  71. Just here to praise some factual and reasonable coverage of financial markets
    838
  72. You left out the get rich quick guru, the best paying investment job there is
    828
  73. Hi Santa. The price of coal went from $75 per tonne in Jan. 2020 to $430 per tonne in Sept. 2022. Thanks for putting coal in my stocking
    828
  74. WOW, it took you 5 small minutes to explain this whole very important subject, and I am sure it will take me much more to re-watch your presentation to re-understand what it was all about and how it happened... (after a concentration of 2mns, I got carried away by your nice and funny illustrations not to forget the sound effects!!!!)... Thanks for this great job.
    798
  75. I would like to offer at least one bit of legal & financial advice, and that’s that you should go all in on smashing the like button. 👍 Thanks for including me in this one, Richard!
    791
  76. I don't care if you are "late" there are few people in YouTube that I can "trust". I want YOUR opinion on it, because your videos have always been sensible. Thank you for making this video.
    786
  77. Richard, you gotta stop with this rational "nuance" nonsense, I need to be able to pick a side and blindly defend it to the death
    772
  78. Is it just me or are these scammers getting worse on Youtube?
    725
  79. I prefer YouTubers like yourself who have a separate full time job and create videos because they’re genuinely passionate about the subject matter rather than trying to game the algorithm. Hope you keep at it!
    710
  80. THIS is why you're my favorite finance YouTuber. I've never seen a better breakdown of MasterWorks. It was just what I imagined from a scummy company that heavily markets towards lay people and hides important figures.
    710
  81. Thanks plain bagel for keeping me educated without telling me about your Ferraris and books. Also have a nice break in January, you deserve it!
    698
  82. Wall Street was to stock broker recruiting what Top Gun was to Navy Pilot recruiting. The 80's were a magical time for Hollywood based career fairs
    697
  83. This is such a useful video. Most investors don't understand how the rebalancing of these products work and that they never get the returns stream they expect. These are some of the worst financial products available.
    689
  84. Richard meeting his wife in a math class... How did I not forsee this?
    676
  85. I think that there is a big GAAP between the American and Chinese accounting reporting standards Alright I'll go away sorry
    674
  86. "Start investing money and you're going to get Rich"... little did she know, her dad meant Rich...ard...
    669
  87. I think you are the only finance YouTuber that can make a video about treasury yields and still make it very entertaining. Great work
    663
  88. Great video! I think there are many interesting ideas from the FIRE movement, and early retirement is probably the least interesting part. This approach seems to help people focus on what actually makes them happy rather than conspicuous consumption and impressing their friends. One of the benefits of having significant savings is that you can focus on long them goals, and take risks that would not make sense for someone in a more financially precarious position. Being able to focus on the long term is usually good for your career, as it allows a more fearless approach. It doesn't surprise me that a lot of the people who set FIRE as a goal, instead continue working, as they are usually industrious people, and not really predisposed to sitting around or relaxing too much. Keep up the good work with these videos. I always look forward to seeing a new one in my notifications.
    659
  89. You know you're too into investing when you see living longer as a risk :D
    657
  90. If you buy good companies at a fair price, you're basically getting value and growth together. So why choose one, when you can choose both?
    642
  91. The 8 dislikes are from Miss Veronica Johnson, Mr Brian and their associates
    639
  92. I work in finance and can say, I truly appreciate and admire the content of The Plain Bagel. Never change Rich, your content is something even us in the industry learn from👍🏼
    639
  93. No freaking way! Kudos Plain Bagel!
    619
  94. As somebody who has invested with Plain Bagels, I made a brazillian percent return! Richard is legit!
    615
  95. I greatly appreciate your honesty, candor, and non-confrontation style. This is stuff I can share with my friends who may not be as informed without feeling attacked.
    608
  96. Stop crushing my precious dreams Richard! My Berkshire shares are bound to explode!
    603
  97. "What do you mean I can't use my 30 shares of GME as experience of saving a company from complete failure?"
    598
  98. Utilizing forward P/E ratios is what got Enron in trouble. The books were being cooked and management was stating their earnings would constantly keep going up. Because of that, the analysts kept rating the company a "Strong Buy"...up until the glass house started falling apart.
    591
  99. 11:25 Yeah, why does no one copy the queen of england's investment strategy of being born into the royal family? We're clearly all thinking too small
    585
  100. I only invest in mayonez. never fails!
    572
  101. His YouTube channel has free finance courses, people will charge you thousands of dollars for 10% of what he is giving free on YouTube. True legend. I learnt a lot about corporate finance from him.
    572
  102. Outstanding explanation. I wish this was around when I was 20. I will definitely be sharing this with my 19 year old daughter.
    571
  103. After working for several failed upstart tech companies I landed a job with Nortel in 1998. I can still remember picking up my ID badge. Finally! (I thought) I'm working for some one who knows what they are doing! Dooh :(
    564
  104. It should be noted that the infrastructure built in the bubble is what provided the systems necessary for mass adoption. All that selling of networking and storage allowed cloud services to become a thing. I'm using a lot of shorthand here, but I used to work at a consulting firm called Wikibon, and we studied this at length. Basically, if the internet grew organically, we would still be years behind on network infrastructure, which would have made things like CDNs (like YouTube or twitch) impossible until recently.
    560
  105. Noooo you just don't understand that Tesla will build a Dyson Sphere around the sun by 2025 and should therefore have a fair value of 100 quadrillion dollars by mid decade. You just don't understand "technology" smh
    556
  106. Yes! A video on quantitative tightening would be nice :). Though honestly, I don't really care what your next video is on, they've all been great.
    554
  107. That Coffeezilla guy is just going to miss out! I hope he has fun staying poor!
    544
  108. Calm and collected view on the situation. Thank you very much for what you provide to people not accustomed to the US regulatory system.
    539
  109. Richard who runs an investing channel: I wont claim that I'm better than the market Other investing channels: Wait. That's illegal.
    535
  110. If you are wondering why the Spanish stocks used 1/8 fractions of a dollar. It was because the Spanish dollar coin could be divided into eight pieces, and each piece or 'bit' would have one eighth the value of a dollar, because it had one eighth of the metal value in the coin. It led to other colloquialisms like "pieces of eight" or "two bits" to refer to a quarter. Because other metal coin currencies in Europe, like the UK and France, were subject to debasement by the crown, and the Spanish dollar kept its silver content unaltered, it had the best reputation at the time that the American dollar was created. So the American dollar used the Spanish dollar as its model and kept some of the properties of the Spanish dollar.
    522
  111. I've made an absurd amount of money in options. I've also lost it all because of options. Lol
    517
  112. As an investment professional who knows a little bit about art, this seems a very fair appraisal. Good to see someone do the leg work to prove what everyone suspected. Great work!
    517
  113. this channel is so underrated
    511
  114. Two true financial pros that have blessed the platform - congrats to the both of you on your success!
    511
  115. One of the best Finance/Investing youtubers out there
    508
  116. "Even if you can't invest right now, at least start learning about it" This and the following statements made me subscribe. I can't invest much money right now, but you got me with this idea. I can still use the time I have now to learn about it, so I can have a stronger start and reduce the potential losses due to inexperience when I can actually invest money. I've been busy investing my time in myself and my qualifications, but there's no reason not to aim for more. Thanks!
    508
  117. This is legit one of the best finance channels out there.
    490
  118. From financial education to proper investigative journalism. Great work!!! Also... honestly, a bit painful to see what we are competing with. I got reached out by an agent from Canada about these types of 'opportunities' a while ago. Very young guy. Office on Google maps in really sketchy place. Yikes
    482
  119. thanks for the chat, I really enjoyed it!!!!
    476
  120. I can't stress how underrated this channel is. You get entertainment and knowledge at the same time. Thank you for putting great content out there (and all without flaunting your investing account, imagine that).
    470
  121. I really appreciate you covering this topic Richard. Being paid to promote a stock is probably the single biggest conflict of interest you could create for financial influencers. I think it destroys the credibility of the entire space. I think it also is problematic in that it invites a lot more strict regulation, which could impact our ability to freely discuss stocks in the future. To be clear - I've never been paid a dime to promote a stock and will never accept a penny to do so. I've also decided to never invest in micro-crap companies specifically because I don't want my videos to have an impact on stock price. POET is one of the worst examples of abuse. That company was headed towards bankrupcy, burning tons of cash every quarter, cash balance going down, debt going up. Then they pay for the pump. Looking at the share count grow 60% year over year, that's absolutely insane and shows they clearly paid to get stock price pump so they could sell shares into the pump. About as clear-cut as it gets... Again, appreciate the video - I'm going to be sharing it.
    470
  122. "Doing your own research and rigorously testing your own viewpoint" You're asking for a lot from me here Richard hah
    462
  123. Best intro, we require more of these in the future. The benchmark has been set.
    454
  124. Spoiler alert: he has his money all tied up in the bagel industry
    443
  125. I'm happy that I'm not the only one who thinks of Richard's kid(s) as "Bagel Bites" 😅
    442
  126. This dude deserves so much more attention on YouTube. I've been subbed for along time. And his videos always bring value. And it's free!
    437
  127. Bagel can you make a video explaining what happens to my subscription if your channel goes bankrupt?
    431
  128. Yeah, yeah yeah, but is that neon sign available as an NFT?
    422
  129. It's a pipe dream for many, but even if you fail to achieve it, you'd still have saved more than you otherwise would have. So 'failure to FIRE' is much better than 'failure to save'
    421
  130. after all, the stock market has predicted 9 of the last 5 recessions.
    417
  131. I think this might be my favorite video you’ve done. Not only because it’s relatable for me, but it’s always frustrating to see the almighty algorithm push bad “investing” habits. I definitely can’t blame YouTube, since people like and engage with content like that though. But the moral of the story is what’s wise isn’t always what’s popular.
    416
  132. "Hopefully it's starting to make a little bit of sense as to why people are buying and selling these things." No. No, sir, it is not.
    413
  133. I always hedge my bets when I put my money on black by also putting it on red
    412
  134. But hear me out for a second here... what if we put the Szechuan Sauce... on the plain bagel? Does this increase it's value? Or is it now worthless because the sauce has been opened and the bagel is no longer plain... Someone's gotta be asking these questions.
    411
  135. i think the "de" bit of defi is less about total decentralization and more like "just decentralized enough to let me as an early adopter squeeze into the center of a new system" another fair and based take from the bagel
    405
  136. Youtube can detect 2 seconds of a Led Zeppelin song playing on a car passing by in the background but can't weed out these obvious bots
    403
  137. You already have my respect, don't worry your IKEA furniture doesn't throw me off, it shows that you are not trying to act rich to get attention. And with that mentality you it makes me more confident that what you say is genuine and reliable information. Thank you for yourself :)
    397
  138. 0:17 I'm not sure that language was needed...
    396
  139. These animations are sooo high quality man! I should start trying this.
    394
  140. I thought I was watching a video of a million subscriber channel - how does this guy only have 38k? Amazing content! Subbed
    392
  141. I don't usually comment on videos but this is really true. Especially in this world full of ads and instant gratification mentality. “Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas.” -Paul Samuelson
    389
  142. Great interview, and thanks for the shout out at the end. I have been a subscriber to Money & Macro for a few months and would strongly recommend the channel.
    388
  143. You're providing a service for the less financially educated my dude! Thanks for the breakdown!
    384
  144. Thanks for the great conversation! Great timing of this release as I finally finished the inflation video we talked about 😃.
    379
  145. I’m an AI scientist that trains LLMs, and you did a great job explaining LLMs. One minor nitpick is that the blobs showing parameter size at 6:49 isn’t correct. Idk why that image spread all over the internet, but OpenAI didn’t release the number of parameters for GPT4 like they did for previous versions. We know that has either the same parameter size or just a moderate amount more. It’s certainly not nearly as large as the image says. Other things like dataset size, data cleaning, and larger token sequence size probably accounts for improvements more than any parameter increase. The small and large blobs have become a bit of a meme/joke among AI researchers. I really enjoy your videos, especially the party poopers!
    379
  146. Seriously, Richard, your videos are the best. Your even-handedness and open mind are exactly the kind of 'free' not-professional-advice professional advice anyone should expect from a place like YouTube. If they complain, tell them to hire a real consultant and see how much that costs them ;)
    371
  147. Oh no, you said corona virus... Prepare for the demonetization.
    371
  148. That intro!!
    370
  149. One of the first emails I received after reaching 1,000 subs was a stock pumping ad offer. This problem is not unique to big creators.
    364
  150. When I was brand new to investing a coworker was adamant that I invest in weed, it was her ticket to an early retirement and mine, too. I put $200 on a promising Canadian weed company and it served as a relatively cheap lesson in not picking stocks based on one person’s recommendation and noting more. That $200 is worth less than a dollar today, and yes I still hold it is a reminder of this lesson.
    361
  151. Just take my damn money already, Mr Fargo
    361
  152. Thanks for the shout-out Richard. These are also the channels that I watch myself (including yours of course). The only one I had not heard of yet was Aswath Damodaran. I'll check that one out. Thanks for the tip!
    353
  153. This is one of my favorite youtube channels. You really dp serve us no-nonsense, high quality bagels of explanation. Im sp grateful for what you do
    349
  154. Quick notes for new investors: 1. NEVER use an "advisor" you find in a youtube comment thread (including all the ones you'll find below). 2. If you just walk into a bank to talk to someone about investments, they'll likely be more sales agents than genuine advisors, trying to sell you the bank's (possibly expensive) products. 3. Deep dive The Plain Bagel's videos, and the other channels he sometimes lists (e.g. Ben Felix) to pick up a bunch of great tips, learn how it all works, and things to watch out for and avoid (like your buddy telling you to jump on the latest fad). This can all be confusing, but it doesn't have to be complicated. Good luck!
    348
  155. Subscribers: So should we listen to your financial advices? Finance YouTubers: Yesn't
    345
  156. NFT stands for No F*cking Thanks.
    345
  157. As a public CPA, our office was receiving calls all week long from clients asking about the new budget. This video was so well put together, we may start sharing it ourselves! Thanks for spreading hard info for a poorly-understood subject!
    343
  158. 3:13 You thought you could sneak those sound effects past us, did you?
    341
  159. I want to thank you for your, clear level headed approach to explaining investments and helping bringing insight to how scamers,movies,tiktokker,news articles,politicians etc are not the go to source for understanding. I like also thank you for taking the time and helping everyday people get basic understanding of this information you are blessing my guy.
    335
  160. "Let's see the fed take these bad boys away" LOL
    329
  161. Thanks for the shout out mate! Richard is right, all our channels are being overrun with spam and we literally can't do anything about it except sacrifice time we'd be spending to make content to delete spam comments instead. It sucks.
    327
  162. A falling share price is not necessarily indicative that the company is in trouble. Mr. Market is known to be irrational as pointed out by Benjamin Graham and a falling share price may be a chance to buy a great dividend stock at a discount. For dividend safety, it's important to see if it's sustainable by looking at the payout ratio from earnings, cashflow, etc depending on the company. A low payout ratio indicates room for the dividend to grow as well as making it more likely that the company can continue to pay a dividend.
    327
  163. 13:22 Wait, what!!! Are you suggesting Michael Saylor isn't actually an expert on monetary theory after having read 2 books on Austrian economics?
    326
  164. Caution don't short if you don't know what your doing
    325
  165. Well done this is probably one of the the best videos on cash flows
    323
  166. Bagelbutts to the moon
    319
  167. “Spend $500 on my course and learn how to play in a zero/negative-sum game and become a millionaire like me. Oh, how did I make my money? Selling courses” -Every financial youtuber ever
    318
  168. Thanks to Mr Fargo's Actively-Managed Passive Income Fund I was able to trade leveraged BTC inverse ETFs on our foreign exchange, and with the correct trading signals provided by the Bagel Buddies Billion$ Buyers Program I was able to retire at 70. Thank you Mr Fargo
    318
  169. 1 cent is over my budget, I'll pass
    317
  170. haha i love it releases video: "Why i think tesla is over valued" Next video:"How to deal with investment FOMO" is this new video for you or us ? LOL
    313
  171. I have a degree in economics and trade the yield spread as well as other investments. Im pleasantly surprised how well you explained this. Great Job!
    312
  172. coffee and bagel are a dream combo
    311
  173. We let algorithms to perform 80% of the trades in the world, despite algorithms couldn’t even properly manage Youtube’s demonetisation word list. Woah.
    310
  174. Optimist: the glass is 1/2 full Pessimist: the glass is 1/2 empty Excel: the glass is January 2nd.
    309
  175. With bagel buddies passive aggressive income management, I achieved FATFIRE at 11 years old thank u Richard
    308
  176. I'm 53 and just started investing 2 years ago. I'm doing well with Old Man Dividend Stocks Hold Forever. However I jumped in the stock market about 15 years ago and started to lose money quickly. I panicked and got out. Boy do I regret that now. I can only imagine what my portfolio would look like if I had a stronger stomach back then. Damn It!!!!
    301
  177. I rarely comment on videos; however, I had to given that one of the comments he showed was "Why does this guy look so much like Conan O'brien." Props to you for giving me a laugh
    300
  178. Important vid. Great to keep it realistic for beginners!
    299
  179. You're getting much better at this. Humor up 100%, engaging script up 187%. Love to see it. Your content is important to a lot of people. I hope you know some people will have money for retirement because of your work
    298
  180. I can't help but imagine you on the beach, absolutely frosted with sunscreen, under an umbrella, and generally looking unimpressed with the whole experience. I hope you had a fun vacation though 😅
    294
  181. This is just ridiculous. Now instead of paying the current 0% on my numerous capital losses, I'm going to have to pay double. Can't an honest small time investor catch a break?
    293
  182. I actually liked this type of video and would not be opposed to having some more come out. I watched the movie and uderstood the first two parts but the Selena Gomez one was a bit confusing so you clearing things up really was a big help, so thanks! I really appreciate it!
    292
  183. This is all well and good but Richard, you never said where I should send you the 2 grand and my kidney.
    290
  184. That intro is absolute fire
    290
  185. I'm sorry but this is all FUD. Start to finish FUD!
    284
  186. BITCONNEEEEECCCCTTT
    283
  187. What worries me is that a lot of the more click-bait finance YouTubers, who talk about their positions, only started their channels in the last couple of years, in the midst of one of the greatest bull market in history. It's easy to look like a genius when everyone is making money, but how will your portfolio fare in a downturn?
    281
  188. Really appreciate you coming back to this in long form. Too nuanced for a short, getting into the nuance in an approachable way is really your wheelhouse.
    278
  189. Hey Plain Bagel, wanted to give you a heads up that Morning Brew is a scam, you don’t actually become a cup of coffee
    277
  190. I'm gonna send your money soon chosen one
    274
  191. This is an undervalued channel can I buy some shares of it now and catch some of the growth
    268
  192. Probably the only youtube channel that goes the extra miles in explaining in DETAIL of WHY
    268
  193. This is one of the best explanations of covered call etfs. I like the idea of covered call strategy on only a portion of a leveraged fund.
    263
  194. I'm buying Henry calls. Only way for Bagel Jr is up 🆙⏫☝️📈📈📈📈📈
    261
  195. German here. As far as I can tell, the negative rates had none of the effects it should have had or at least not to that extent. Banks just raised the fees and lowered saving account interests to near zero ( 0.01% ).Never heard of them giving out more loans than before or I missed that fact. Maybe something will change when the rates go even lower. I wish the banks would just pass the negative rates through to consumers. That would make it transparent and people would notice what's happening... instead they just charge higher and higher fees to counter their losses. You can escape negative interests by investing, but you can't avoid fees. There was a thing a while ago where you could get a 1000€ with negative interest, but that was just a marketing stunt. The people still keep most of their savings in bank accounts. If everything continues in this direction the banks might actually start to apply negative rates and the general public will be hit with it. We might get a tax on cash or something to avoid a bank run. It sure will be interesting what the future holds. I'm on the edge of my seat ;)
    257
  196. I would like to take this moment to acknowledge the thumbnail of this video. No shock face. THANK YOU.
    254
  197. Aswath Damodaran is great! I watched him in college and he helped me land a job on Wall Street
    252
  198. The amount of production on this video made the Canadian dollar go up
    249
  199. Ben is a genius
    240
  200. Quality channel thanks for the videos
    240
  201. you might want to include 'Application.ScreenUpdating = False' at the start of your VBA code, just stops the screen jumping around. Feels a bit more seemless. Hope this helps!!!
    239
  202. cant wait for the beef between the biggest finance Youtuber and the biggest rap Youtuber to get physical
    236
  203. Who came here after yesterday's 800 point drop in the Dow? So well explained! Thanks man!
    233
  204. Good video. I would add that the Cash Flow Statement is NOT HARD FOR MANAGEMENT TO MANIPULATE. Too many investors jump straight to the CF Statement in the assumption that it can't be messed around with. It is easy to move cash around the place, particularly from CF from Financing Activities to CF from Operations and vice versa. In addition, the CF statement starts getting unreliable for companies that engage in a lot of M&A (e.g. ABInBev, PepsiCo)
    231
  205. How does this video only have 30k views? This should have at least a million
    231
  206. The most disappointing part about excel is making a sick spreadsheet and not being able to share your excitement with anyone else about it 😞 lol
    227
  207. Way to go Richard, what an incredible milestone!! 🙌 You're an inspiration, especially to us on the Canadian side! 🇨🇦
    226
  208. Dedman & Coffin Financial and Funeral Services: Preparing for retirement and beyond!
    226
  209. Thanks for explaining what is going on. There is no better place to get clear and trustworthy information than The Plain Bagel.
    223
  210. Man, great video. Im still bullish on bitcoin long term and love my portfolio being 10% crypto. But we do need rational arguments on this topic. I appreciate it. Love your content my man.
    220
  211. Your channel continues to be fantastic.
    220
  212. I'm an seasoned investor that watched this for fun and wow this needs to shown to every high school kid in the USA and Canada so that they can get a grasp of the concept of investing and the power of compounding
    219
  213. Great vid bro! Awesome explainer :)
    213
  214. I actually still find it incredible that 10k can become a million in a life time with a single digit return. Also- a popular YouTube fad right now is "dividend investing"
    207
  215. I see a re-upload by The Plain Bagel. I re-click like button. I re-watch the video.
    203
  216.  @ThePlainBagel  This'll be bigger than Musk vs. Zuckerberg
    199
  217. This video is suddenly popped into my recommendations and it was truly worth 10 minutes. Great video The Plain Bagel. Keep doing the work.
    197
  218. Bagel fam needs that Sweet Chili Heat
    196
  219. Great video! You should do a mini-series on “how to spot bad corporate behavior” and another on “how to spot good corporate behavior”... Kanye another on debt/bonds?? just an idea. Again, great video!
    195
  220. This is why I like and appreciate your videos because it is based on truth and this is what we all need
    195
  221. Thank you Richard for the shoutout! 🙏It was SUCH a pleasure to finally meet you in person! You were a HUGE inspiration for me to start my own channel and I don't think I've missed a video in 7 years! 🙌They say "never meet your heroes" but I've met Richard and I can attest that he's even nicer than he seems online! 😊
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  222. Here just early enough where I think you'll get this. You're great at what you do, keep it up! You are by far my favorite YouTube personality on finance and I truly appreciate the hard work and hours you put into this channel.
    185
  223. Instructions unclear. Now currently own 500 shares of Plain Bagel Co Stock.
    182
  224. I barely have a source of revenue right now (I’m in seasonal work) and I still shove as many dimes and nickels into my investments as much as possible. I ran a compound calculation that if I invest 10 cents i found on the ground into my portfolio, that dime can turn into a dollar when I retire. Now imagine if I did that with lots of dimes, and alcoholic containers I find on the ground on a weekly basis. Combine that with what I put into my investments, I can retire sooner, and most likely...on someone else’s dime! Even if you screw up, investing sooner is often way better.
    181
  225. My favorite party popper channel.
    180
  226. Analogy in minute 4:25 is from the book "The Wealthy Barber Returns" by David Chilton—more specifically, the chapter is called "The Silent Killer" and the analogy/joke is on page 180.
    179
  227. It’s a shame your content isn’t more popular. This is good, intellectually honest, and perfectly timed comedic relief material. Thanks Richard! Please keep it coming
    179
  228.  @ThePlainBagel  Truly the most transparent content creator of all time.
    177
  229. I actually have heard Ray Dalio’s mantra to focus his mind that he attributes to his success. It’s “I watch the Plain Bagel every other Friday.” Dude just chants it over and over again
    177
  230. After a few years my shorts are usually too worn out to sell. I just chuck them in the bin.
    176
  231. Richard, every video you make you must get a warmth sense that “the plain bagel” was a brilliant idea for the channel name. Once again a resolutely balanced and non-sensationalist explanation, thanks. Keep up the great work 🫶🏼
    175
  232. Your videos are always on point man, keep it up. I'm a Tesla investor but everything you said is true.
    173
  233. Plot Twist: The joke is that this isn't a joke at all, and that Plain Bagel wants us all to think "Ha, ha, he's so funny" when in reality it's all a setup so that he can keep himself one step ahead of the commoners of the world. Time to set my alarm for 3:45, learn how to do a pull-up, and stop eating Cinnamon Toast Crunch for breakfast.
    173
  234. watching this in 2019. Just saying. interesting perspective.
    172
  235. You're not late Richard, for those of us who don't follow finance news closely, this is entirely new for us! Thanks for your great content, keep it up :)
    170
  236. I’ve been an interbank professional gold trader for over 30-years, and I congratulate you on the clarity and scope of this presentation. 👍🏻
    169
  237. "If you've heard of Credit Suisse before and live outside of Switzerland, it's probably been for mostly bad reasons." To be fair, I live in Switzerland and when I hear about CS, it's usually for the same bad reasons lol.
    166
  238. Lots of these gurus take advantage of the lack of knowledge and despair that reigns the vast majority of their followers. They know how to coax and win over them to stack up fast throughout marketing techniques, good results and vivid speeches that turn these people to make emotion-driven decisions. Yet, they will never show you the relative frequency of losers with respect to winners. They frame down the few ones whose success is merely decent and subsequently magnify it. That´s a shame. As you mentioned in the video, the game is not about getting rich quick or being a millionaire, but about setting up strategies to attain our financial goals. Thank you for being so real, Richard! Peace out.
    165
  239. Thank you so much for this video. I am a freshman majoring in Finance and this really helped organize my outlook on careers out of college.
    162
  240. For the algorithm... Graham Stephan. Graham Stephan. Graham Stephan.
    161
  241.  @King-bx4ch  Bless you my son.
    161
  242. Imagine that your bagel digital art gets all the hype and gets sold for a million dollar. All your research, knowledge and hard work trying to invest is thrown out of the window.
    161
  243. I'm a crypto beliver, but as an objective person I can say ALL the things that you says about crypto is 100% true
    161
  244. I dont think he’s wearing pants lmao... but definitely a great informative video
    160
  245. OMG - love your intro! 😂It just made my day! Who knew you were a closet sommelier !😉By the way, were you drinking REAL wine?
    158
  246. The style presentation is very easy to digest. Do you have one for LIBOR and how it interacts with gov rates?
    158
  247. These older videos aren't as popular but your content really had been high quality from the very start
    157
  248. That was a superb overview. You went beyond the technicalities straight into the ACTUAL ramifications of the QE process. As usual, it is great to have a presentation that strives to be impartial at all times. And those animations... <3
    152
  249. One of the better videos I have watched regarding shorting stocks.....it still surprises me how many people have not watched The Big Short. Keep up the great content!
    150
  250. When will the stock market hit bottom or top? You will know the answer next year. This could be a correction of the crash (like the one we saw in 1929). It could also be the start of a new bull run. Who knows? I certainly don’t. And I’m concerned the most about the people (mostly on Reddit and FB) that think that have all the answers. Because that shows me they know the least – and that’s the majority of “investors” today. The majority of these people will be wrong, and a part of them will be lucky. Nothing more to it.  Right now is a great time (given that you’re quarantined at home) to sit down and finally write out that strategy of your and for once, just for once this time: STICK TO IT. Evaluate the risk, the return and the possible down turn and F what everybody is saying about “the top” or “the bottom” because ain’t no person alive that can predict the speed and motion of every particle in the universe. So, as a physics student, I’m telling you: if they can’t do that – THEY CAN’T PREDICT THE FUTURE.  Ok, sorry for yelling at ya there but I get so burned up by some of these comments. Great video overall, tho.
    149
  251. Richard, you're such a breath of fresh air. I've been following you since you were small-ish, we even interacted here and there and it's great to see that you're still going at it with the same vigor. In the age of misinformation and skewed perspectives, it's good to hear educated opinions and facts. Thank you!
    148
  252. As a professional investment analyst myself, I think all of your points are spot on. I help out with recruiting for my fund and I agree with all your points. The only thing I would add is make 100% sure you love investing and the stock market. There is a big difference between dabbling in investing as a hobby and doing it 60-80 hours a week
    147
  253. I smashed the like button - enjoy your early retirement you dashing youtube rockstar!
    147
  254. Just noticed that 2:54 and 3:26 are a reference to Shaun of the dead
    143
  255. As an economist, I can fully agree with you on the assessment of the field. The problem is that a lot of the topics feel common sense, but actually are not at all. So people feel empowered to give their opinions, but don't spend the needed time to learn the field.
    143
  256. GREATLY appreciate the "low-key" approach to your channel and the fact that you turned down "promotional money" from bitcoin advocates gives you even more credibility. Thanks for being impartial in a sea of hype.
    142
  257. I see plain bagel, I stop what I am doing and just watch. Definitely one of my favorite financial channels!
    142
  258. Outstanding video, Richard. Wow!
    142
  259. Amazing video. The lack of Bagels in the food section is a bit disappointing though
    141
  260. The Big ass spread is what determines stock prices. Great acting and great video 😂
    141
  261. Eggselent explanation!
    140
  262. Please do you a video about "Peter Lynch"
    140
  263. A lot of my favorite "content creators" are those that had "real" jobs first because they often seem to be less disconnected than those who became world famous when they were like 20. I appreciate that you don't have the added bias of needing the financial success on YouTube, so I don't have to be as worried about you being sponsored by something shady like BetterHelp. Keep up the good work, both here and at your day job!
    139
  264. You deserve way more subscribers... the fact that videos from Cardi B are much more popular than educational videos is a problem.
    138
  265. This channel is fantastic
    137
  266. We support you Richard, you'll get through this!
    136
  267. I remember one of your earlier videos talking about Bitcoin when it was a rising star. You mentioned about comments you received some people made fun of you for not investing in Bitcoin and you will lose money if you don't. Your response to that was you never lose money from not investing in it. Very true
    135
  268. I’m in graduate school working towards the CFP. Out of the dozens of YouTubers I watch I would say an easy rule of thumb is if they have their CFA they’re more likely than not higher quality. Channels like this one and Ben Felix are two of my favorites. Also the Rational Reminder Podcast if you want to get super deep on certain topics.
    135
  269. You are one of if not the best investment commentator on YouTube. Thank you for continuing to do such great work.
    133
  270. Being a finance nerd is the best.
    131
  271. This video was exponentially better than I thought it was going to be. It was both entertaining and informative while being fast paced... thank you
    131
  272. It is the mark of an educated mind to be able to entertain a thought without accepting it -Aristotle Just putting this up here in hopes that you will never be discouraged in posting these kinds of videos :) You are truly a genuine good person, I hope your videos like this will inspire a lot more people to have the same character and pureness like you or even greater :D Clearly you already have inspired me :)
    130
  273. Hey Plain Bagel squad! Yes, unfortunately it's happening to all of us, and the frustrating thing is that in a lot of cases each individual comment is actually a different account. We as creators have an option to "hide user from channel", but in instances like these we have to manually block 40 different accounts all called the same thing, every day. It's like each day we wake up, do our stretches, eat some breakfast, answer our emails, and block the fresh batch of fake accounts that are destroying out comments. It's beyond ridiculous and the worst thing is it takes time away from us that we'd otherwise be using to make content. ...also, come on YouTube. Lift your game. What they should do is note when a channel is commenting on your videos that has the same channel name as yours and automatically flag all their comments. I'm sure this wouldnt be that hard. Anyway, thanks for the vid Richard, and thanks for drawing attention to what's going on.
    128
  274. Usually, when I find a small YouTube channel and think to myself that it's vastly underrated, it ends up being a big YouTube channel a few months later.
    128
  275. This quality of humility only comes from wisdom and experiene. I have been a casual enjoyer of your content for awhile but this video just earned you a massive amount of respect! Keep up the great work
    127
  276. Hi Richard, you take the time to put together great videos that are well documented, researched and made, so I wanted to take the time to thank you for that. Finance is not only my job but my passion, and watching your videos always teach me something, give me a new perspective on things or allow me to share this passion with people I love, usually because you explain the concepts way better than I would be able to or because you address the different topics with such a fresh look. Thank you, I'll keep watching and sharing your content, and I'll be supporting you through Patreon going forward. Have a good day :-)
    127
  277. What?? It was an April fool joke ?? I was about to down 3 grand for that course !!! :O
    125
  278. Damn I was really hoping to get 12 minutes and 56 seconds of that fire ass intro style
    125
  279. scroll back up and cover call that like button 👆
    122
  280. SHUN THE NON-BELIEVER!!
    122
  281. Keep doing what feels right: what you're passionate about is always the right play (in life, in general).
    121
  282. Not legal advice about not financial advice.
    120
  283. Dude how are your videos so good? This isnt even your main job, inspiring.
    120
  284. I worked in AML regulation at the international level. The international standards setter for AML (the FATF) knew there was a huge risk that exchanges would mislead consumers as FTX did. FTX - like all crypto exchanges around the world - have some AML supervision. The FATF's final decision was that each country should try and ensure that customers were not misled by exchanges. Clearly, the US did not do enough given that website example. Great to see an ethical channel.
    120
  285. This is the channel I need on investing. No BS, just calm clear information. You’re doing a great job, 😊lease don’t change.
    119
  286. TO THE SPREADSHEETS!
    118
  287. I really like "Corporate Finance: Investment and Advisory Applications" by Patrick Boyle... very easy read.... JK it's super academic but I really like Patrick and will promote his book anyways
    118
  288. In my opinion, you are the absolute best financial educator on YouTube. I truly encourage you to keep up this amazing channel, and I hope for you to get more subs!
    116
  289. Good presentation Richard
    115
  290. Too many fortune tellers in the financial market... One of them is very likely to be right, but a priori can you tell who?
    115
  291. I always associated bear markets with the fact bears hibernate, so a hibernation of sorts in the market. I see the bull as a more aggressive, excitable animal, which corresponds to more aggressive growth and riskier investors buying more securities (e. g. grabbing life by the horns).
    111
  292. Please keep doing what youre doing! This channel is amazing, and it would crush me to see it go down the clickbait path of the infographics show
    111
  293. I'll be honest, my whole life I thought it was Credit Susie. I've never heard anyone say it out loud until now.
    109
  294.  @ThePlainBagel  ".... *sighs*... Guys... I messed up."
    109
  295. “If not even unbecoming” is such a delightfully Canadian line lol
    108
  296. My favorite absolute statement is "Only a Sith deals in absolutes"
    105
  297. Lot's of fun working with you on this collaboration Richard. I like that we were able to talk about active and passive without debating anything. Maybe we can save the debate for a future video ;)
    105
  298. Love the discussion, Richard! Really liked how you presented a very objective, rational critique of Decentralized Finance, and I was honestly surprised by how much you researched about the DeFi space. While I appreciate people like Graham or Andrei for hyping these financial instruments, you provide a much needed level headed perspective. Very bold move against crypto enthusiasts 😆. Wondering if you knew about Anchor Protocol and would love to know your thoughts on those being seen as "very safe" (by some people) with 20% interest yields .
    104
  299. "Only a sith deals in absolutes" That's an absolute, Darth Bagel!
    104
  300. thanks for having this background Richard -my eyes
    104
  301. Since you took time to review ChatGPT I asked ChatGPT what it thought about this channel. As an artificial intelligence, I don't have personal thoughts or feelings. However, I can provide an analysis based on available data up until my last training cut-off in September 2021. "The Plain Bagel" is a YouTube channel that provides educational content primarily focused on finance and investing. The channel aims to simplify complex financial concepts into easy-to-understand terms, making it a valuable resource for beginners in the field of finance or for those looking to expand their knowledge. The creator, Richard, has a background in finance and uses his expertise to explain topics ranging from the basics of investing to more complex financial theories. The channel has been praised for its clear and concise explanations, as well as its ability to break down complex topics into digestible information.
    102
  302. Regardless of what you choose for set up and structure of your videos, I think you are one of the best financial information channels on youtube. Your channel is invaluable especially for newcomers to the subject. Don't fret too much about how to "improve" your content, take your time to experiment and try different things. As you said, improve your own skills in the process. In due time you'll figure out the ideal process for you.
    100
  303. Quickly becoming one of my favorite channels on Youtube! Keep up the great work man
    100
  304. Best painters of history: Van Gogh Leonardo da Vinci Monet The Plain Bagel
    100
  305. The one downvote on this video is from Coffeezilla's broker
    99
  306. Congrats rich
    98
  307. Actually, your IKEA furniture is what inspires me to invest!
    98
  308. You consistently have fantastic and interesting content. Thank you!
    98
  309. I'm amazed by the consistency with which you release top notch quality content. Keep up the good work!
    97
  310. Very interesting. Recently read an article about how German banks started to charge negative rates on accounts that have 100,000 Euros in them
    96
  311. Wait... so it's not a company that trims your hedges?? Huh, you learn something new every day!
    96
  312. WE LIKE THE CHILD
    95
  313. Richard, you're great at what you do and its always a treat when I get the notification for a new video. Thank you!
    93
  314. Great work as always, I understand the world more when your videos come out! Thanks 🎉
    92
  315. I have a Masters Degree and work in the Tech industry, but I was so illiterate before I watched your videos. I really appreciate your efforts and A BIG thank you for great content
    92
  316. Congrats Richard on the huge success of your channel
    90
  317. Great video Richard, probably the smartest one I have seen on this topic. On point two I thought you were going to suggest implied volatility as a forward looking estimate of volatility. I think there are a few reasons standard deviation is used as a measure of risk in markets, the main one is simply that it works very well in mathematical formulas, the second reason is that any forward looking estimate of the price of a security is tied to uncertainty, it may do better and it may do worse, so when you add standard deviation in alongside expected return, you are essentially predicting a bell curve of returns. One of my favourite definitions of risk comes from Elroy Dimson at LBS “Risk means that more things can happen than will happen.” Love the video and keep up the good work.
    90
  318. I almost completely disagree but this was such a well made and honest video you have gained my like and subscribe!
    90
  319. Mr. Bagel has no graduated to an everything bagel: parent, homeowner, stock master, and all around good guy. Congratulations!
    90
  320. That intro… I hope this channel gets really big, it deserves to be.
    89
  321. Thank you!!! I may quit eating bagel but not this channel!
    89
  322. This is gold. Thanks, Rich! x)
    88
  323. The quality and clarity of content on this channel is great!
    87
  324. 2:37 - Nice Metal Gear reference.
    86
  325. Compound interest is amazing! If you invested your money at 7% per year, you would double your initial investment every 10 years.
    85
  326. Extremely well reflected, high quality content. Instead of just commenting I thought you deserve one of my monthly YouTube premium rates. All the best from Germany Thank you!
    85
  327. I love your serious videos, but fun ones like this are great too!
    84
  328. Calls on Bagel Jr. That boy going to the moon 🚀🚀🚀
    83
  329. It is so refreshing to get a Canadian perspective on investing!
    83
  330. Papa Bagel and Mrs. Bagel, congratulations! Welcome Henry...our little Bagel Bite 🥰
    82
  331. Thk man im 17 and I've been learning about stocks through your video's i really like your content 👍
    82
  332. I feel your frustration. I’m new to this game and since watching videos like yours I’ve noticed a significant spike in “those” ads. It’s really easy to see how these aggressive tactics can manipulate people. Almost enough to explain the Lamborghini in the background... Your knowledge is helping those you reach. Don’t be disheartened.
    82
  333. So funny seeing you being careful with your words. Haha. Awesome video! Even when im bullish on a stock. I actually like hearing the bear case. That way i dont get blind sided.
    82
  334. You sir, are my inspiration! I will be writing the CFA Level 1 exam this December. Cheers from Calgary!
    81
  335. This channel deserves 1m+ followers
    81
  336. Reported like 20 of these comment chains, not sure if it's making any difference ..
    80
  337. very under rated channel.
    80
  338. I'm a journalist, do you want to team up to make the Lord-Coffin Index? Or Lord-Bagel. Whichever you prefer.
    80
  339. Accepted my first offer for an Investment Analyst position earlier this week! Took me a little over 3 years to achieve.
    79
  340. Extremely well put together info on a complex topic, well done. As a mortgage escalation officer and support specialist for a major Canadian bank, I have seen some pretty outlandish things in the past couple years, but it's easy to lose sight of the broader causes of our housing crisis when your job mainly focuses on helping with individual cases. Thanks for providing a much needed breakdown at a high level, in an easily digestible video length. I can't help but think that this will be of immense value for many Canadians
    79
  341. Why must they eat away at my gains :(
    78
  342. I personally disagree with many of your points. However, open discussion is healthy even for bulls to check with their thesis. I recommend that you have a chat with Dave Lee or Rob Maurer for an open debate. Cheers!
    78
  343. Thanks, I was very confused why I was losing money.
    78
  344. when he said "about" i knew he was canadian, good video btw
    77
  345. Always a level headed explanation, Richard, love it. Keep making great videos buddy!
    77
  346. I just wanted to say, thank you for posting informative videos. What I love the most about your channel is that while you're informative, you don't give any financial advice for ethical reasons. I've been watching for just about 3 years, and your video really helped me understand how the business world works. While my investments are more low-risk, watching my savings grow is a sight that I never would have seen before. Thank you Richard for being an awesome YouTuber, best wishes, and congrats on 500k subscribers!
    76
  347. Education within 5 minutes. Our world is changing.
    75
  348. It's important to discuss the role that gender roles have in investing and finance. It's a well known fact that girls are not taught financial literacy the same way boys are, for a variety reasons. We are 50% of the population, so no, it's not "woke bs" to bring this topic up. I'm disappointed at the maturity level of this comment section. It seems like some of you immediately shut down the second anything you don't like is brought up. I'm part of 10% of your audience and I appreciated this collab
    75
  349. I love your videos man! I am convincing people to invest and the first thing I do is send them your videos. Thanks so much for all you do, from me and the other fans we love your content and keep it up!
    75
  350. Hey Richard I’ve been watching for about a year now and it’s so inspiring to see such a great channel grow! I’m just about to turn 18 and I’ve invested 6k so far and my portfolio is valued at 7k! Between your channel and Next Level Life I’ve learned so much that US schools will never teach us! I feel prepared to go into the next years of my life not scared about retirement thanks a lot!
    74
  351. I suppose most of the countries are going to go in a recession. Even the few countries who are Covid free will go into recession and I guess it's inevitable. Your work is amazing and I was inspired to start my own channel watching you!
    74
  352.  @ThePlainBagel  Rule #1: Never lose subscribers. Rule #2: Never forget rule #1.
    74
  353.  @ThePlainBagel  then, sorry for being annoying and for making you apologise 😭
    73
  354. I think that you and Coffeezilla should do a colab on these fake investment/trading gurus.
    72
  355. It’s a long play, but the dividends are pretty great. Big congrats!
    72
  356. that was. without question, the most over produced piece of content to sell a mug ever....it was awesome
    72
  357. I recently binged your entire channel so any new content is extremely appreciated
    71
  358. Congrats for your certificate! yaaaay !!
    71
  359. Thanks, one of the most important investing lessons, if not life lessons, ever.
    71
  360. Thanks for setting the record straight!
    70
  361. Bid-ask spread is my favourite bagel topping
    70
  362. 3:40 THE MICHAEL SCOTT PAPER COMPANY IS A LEGITIMATE BUSINESS, WITH NO SHORTAGE OF NAMES
    70
  363. Thank you so much Richard for providing me with such quality content and knowledge about personal finance. Your videos are a treat and I always enjoy watching them. Keep doing what you are doing, please!
    70
  364. Finally a great Canadian investment channel. Congrats on your CFA.
    69
  365. The background is much better. Better for the eyes.
    69
  366. Not a SINGLE dislike, wow! I’m so happy I found your channel and I’ve made a point to download all of your videos. I’ve been investing for a few years and have actually grown my portfolio to 6 figures last year. That being said, I still love the really simple videos teaching the basics. Keep it up man, I really loved your 5 min history lesson videos on 2008 and the Great Depression! More in-depth videos on those two, would be awesome in the future haha
    68
  367. you look like a plain bagel, that's a compliment in my book.
    67
  368. Or a sick Canadian financial professional lol
    67
  369. Maybe we should all get a macro-finance beer at some point :)
    67
  370. Cremers and others
    67
  371. Awesome to see Canadian content!
    66
  372. Great series of videos! Well explained and easy to comprehend. Just subscribed!
    65
  373. Excellent explanation. Time in the market > timing the market.
    65
  374. 2:46 how dare you? I'll go ahead and buy more stock now
    64
  375. Ur such an underrated YouTuber this video is great
    63
  376. Thanks for these videos. I'm new to investing in stock and these videos are the best out there for explaining the market without a bunch of hype and unrealistic expectations
    63
  377. Crypto went to the moon, but it's the moon from Majora's Mask.
    63
  378. This is awesome stuff. You do a great job at explaining these topics and I really like the format. Do you think you will create a video covering cryptocurrencies? Thanks.
    62
  379. Hi! I know this is one of your older videos, but just wanted to say how appreciative I am of the advice and information you give here - especially the story about the investor being the only buyer! I watch videos like these to learn more about finance in general, and the story you told was a huge lightbulb moment for me as it helped solidify a concept I don't think I fully grasped until now. Thanks so much!
    62
  380. Lyn Alden has an excellent article on inflation. I read the entire thing on my channel. It’s about an hour long. Great work as always 💪
    61
  381. Richard I need you to know that whether you know it or not I direct all of my MMA students to your channel, understanding money is a CRITICAL skill for men, and it can make or break their lives...All that to say thank you, and my students can not afford to pay as all of them are poor, but we will watch and learn from your future videos...That is a very long way of saying thank you...
    61
  382. Honestly your channel makes understanding these concepts simple and easy. Also it's wonderful that you actually engage with your audience! I live in the US but somehow a Canadian has taught me more than most American teachers.
    61
  383. I’ve been flagging those fake comments for awhile. Thank you for posting and asking for help! We got you 😎
    60
  384. Amazing
    60
  385. This man speaks the hard truth! Keep up the good work!
    60
  386. Damn! This is not your average low budget Youtube channel 😱
    60
  387. I'm in the oil industry physical trading and came here to say this video is quite accurate, good job.
    60
  388. You come across as a genuinely kind person. This was refreshing. Thanks.
    60
  389. Henry IPO stonk to the moon!!
    59
  390. Hope you, the missus and the wee mini-bagels have a great holiday!
    59
  391. Just discovered your channel and I LOVE your mission of simplifying personal finance! This is also my goal :D
    59
  392. This channel deserves more subscribers
    58
  393. I'm watching this channel along with Ben Felix and a few others, while going on a financial self-study rampage in real estate, trading, budgeting, etc. Channels like these are great and even better when you combine this with excellent life and learning habits, going to forums, reading like crazy and taking notes, writing out and drawing out your own ideas obsessively, coming up with plans vetted by peers in those fields, and the executing on a regular and consistent basis. Wash Rinse Repeat. To hell with distractions. Finance is so much fun, and this channel is fucking awesome.
    58
  394. Deflation is very difficult in an economy built on debt. If you borrow $200k to buy your home, and it loses $70k in value to $170k, you now have to put in $30k to sell your home. If you have student loans and your wages fall, your loans take up a larger share of your income, instead of declining as they would in an inflationary environment. Since most businesses run on debt, deflation makes it tough for them make money. If your landlord has a mortgage, he's going to be hard pressed to lower rents and still stay in business. If your baker took out a loan to buy new equipment, he cannot lower his bread presses much and still make his bills.
    57
  395. Aswath's channel is one of my favorites to plagiar- adapt from! Only second to The Plain Bagel!
    57
  396. You know. I’ve never commented on a YouTube video before, but today that changes. Thanks for doing what you do. I’m completely new to the world of investment and I can already tell as a visual learner your channel is going to be my saving grace. You make this fun and easy. All while being up front, honest, offering data backed evidence, and your own level headed logic in a field that is so often shrouded in deceit or mystery. I wish you continued success!
    55
  397. @ThePlainBagel - your content continues to be one of the best I see in YT. Finance YT especially seems to be a giant after midnight infomercial of financial excrement from a lot of people. Yours is by far the most balanced, well researched and eloquently presented info that is out here right now. I am personally thankful to have found your channel in 2024 and will continue to watch in 2025. Happy Holidays to you and your family. Enjoy your time off!
    55
  398. Love the videos - using plain English and minimal acronyms!
    55
  399. Just inverted
    55
  400. Plain Bagel posts, I hit like and THEN I watch. You know it's going to be good even before watching.
    54
  401. TL,DR: Investing ALONE won't make you rich. It is the regular SAVING habit to increase your capital for INVESTING. Good insight, Richard! Some people want to get rich by investing alone but don't want to be fiscally sound in their personal finances which in turn can end up any rich man broke.
    54
  402. Nice to have you back man! Hope you had a nice time off from youtube and a good holiday!
    54
  403. Thanks for this video and your always calm and honest approach to this topics. I truly hope that someday you talk about the omegapro scam and/or about comparing how people can economically grow in other countries like Monaco, Argentina, Spain, UK, and how it compares to usa and Canada
    53
  404. Women especially feel uncomfortable or not sure enough to invest! I have asked so many of my female friends if they invest and all of them have said no. It's sad and needs to change!
    53
  405. Help! I cant find the ticker for Bagel stock. Im PANICKING guys! Dont want to miss the wave!
    53
  406. I was planning on having my kids invest fairly young, but just as part of their money management education. No stock pickings just something like a simple ETF with a bit of money so they can kinda see the flucuations and how markets work with their own money, but not as an actual money making thing,
    52
  407. Richard, you were supposed to destroy the fake gurus, not join them!!! Take all my life savings anyway
    52
  408. I'm glad you used the 2-10 yield curve. I have been seeing more people talk about 3-5 or 1m-30yr because the numbers are more dramatic. We have to be consistent about our vocabulary if this is going to mean anything.
    52
  409. I see the issue here. I have prior experience, education, AND effort. This won't work for me. :(
    50
  410. Amazing video. Love the rubber band analogy. This was great, Richard!
    50
  411. Me watching video: that guy must have millions subs looks at sub count WHAT You deserve s much more Viewers my man, you are excellent. On a side note, I would have like to learn more with Prefered Shares. Hope you the best, amazing work! keep it up
    49
  412. Cause not everyone needs to be a full time content creator, plus if its a great job, it keeps you up to date with things
    49
  413. Congrats Mr Bagel! You bring a lot of value to our community. I really appreciate you and I'm glad to hear you and yours doing well 😊
    49
  414. So I have watched many of your videos, I have to say I'm thoroughly impressed. Every video you say everything exactly correct. I constantly enjoy videos by financial channels but almost nobody shows a full series of what investments are at least with it broke down as well as this. what a completely underrated channel. Then there are many that have obnoxious errors or outright false statements. You actually know your stuff.
    49
  415. I rarely comment on videos, but this guy has explained it very well that I will make an exception here. You deserve more recognition and subscribers.
    49
  416. As a fan of crypto and defi, I really appreciated hearing a fair, measured critique of the space by someone who actually took the time to research and understand it well enough to come up with an informed opinion about it. I'm still bullish on it, to the point where I think that the Defi replacing our traditional banking system is basically inevitable, in the long term (i.e., I'd be shocked if this hasn't happened 30-40 years from now, but I'm not some hype investor who's naive enough to expect Defi to completely collapse the current banking system next month). As you correctly pointed out, it's still a very new area of technology, and has a lot of challenges to overcome. With time, I think that these challenges WILL be overcome, and the defi ecosystem will eventually be better for its end-user than the current banking system is. The only thing from the video that I would strongly disagree with is the comparison between the electricity usage of 1 Ethereum transaction vs 100,000 Visa transactions. I wouldn't dispute the accuracy of this at all, I just think that it's a bit of a false equivalency and doesn't tell the whole story. If you compare the electricity use of Ethereum transactions to the cost of all credit card transactions + the electricity used by running every bank, mortgage lender, etc on the planet (which, in theory, would no longer be needed if the world's financial landscape was dominated by defi), I think that would give you a more accurate comparison. On top of that, there are already other blockchain projects that use less electricity and have lower gas fees than Ethereum, and this is a brand new technology that's only going to continue improving. The first computers ever created took up the space of an entire room: now, decades later, you have a computer in your pocket with a level of processing power that people couldn't even dream of at the time the first computers were created. So while I agree that it's premature to hype up defi as if it's going to be the norm by 2023, I also think that it has an excellent chance to be successful long-term. Anyway, thanks for the great video! Would love to see you dig into more crypto topics in the future.
    48
  417. Man I just want to say I really appreciate you giving all this valuable advice to financially illiterate people like us. May god bless you with double digit returns!
    48
  418. Hello from the UK. I just wanted to say that I appreciate the time and energy to help educate us. This is a topic that has caused me concerns recently but it's heartening to hear your general "advice" and help manage the emotional impacts. Look forward to watching more and more of your content for the years to come. Best, Dan
    48
  419. I've been following this story closely and researching since it first popped up before the bank run. This is one of the best pieces I've seen to date. Appreciate the level headed view.
    48
  420. Egg whites and egg yolks is a massive hack. Thanks for this transparency, Richard!
    48
  421. This came exactly at my lunch break, thank you for that
    48
  422. That blue and warm light makes for a really nice background. Good color scheme.
    48
  423. I personally love the idea of defi and I’m deeply into it. I think it is risky but could have a lot of upside in the future as the space and technology progresses. But this was a really good criticism of Defi with some really well explained faults with the whole Defi system. Makes me rethink my current beliefs. Really appreciate you Plain Bagel ✌️
    47
  424. Is he about to announce a mini bagel? Maybe a Bagel Bite?
    47
  425. Excellent channel with some of the best financial explanations I have ever seen! Keep up the good work, Richard. Question: Can you explain the tax benefits of stock-based compensation in America? Thanks.
    47
  426. I could not agree more Richard, thank you for another informative video. Frankly, I find peoples lack of concern over Palpatine's return very disconcerting.
    47
  427. First time I have seen this channel, very high-quality production, good video! I love dividends too
    47
  428. Great video, it reminds me just how much I love this channel, along side Two Cents. And a honourable mention goes to The Financial Diet. These Youtube Channels and Yours are great if you want to learn the languages of money and investing. Keep up the great job Richard 👍.
    47
  429. Boy am I glad I subscribe to this channel. This is the video that I've been waiting for for a long time. Governments that irresponsibly went into massive debt now want to play with fire again. What could go wrong. :-) And this video doesn't even delve into the moral and ethical issue of again stealing wealth from responsible people (savers) and forcing them to adjust their spending habits to become more impoverished. Kind of makes you wonder what happened to the "Free Market" aspect of Capitalism. Thank you Plain Bagel........
    46
  430. I just wanted to say you guys do an awesome job! I know a lot but I feel I can explain investment topics much better after watching the series. I hope to see you guys make more!
    46
  431. That Russian needs a bit more practice.
    45
  432. Richard, i was curious & checked out your bagle butts What a great move to use this day to do something good, when so many influencers primarily think about collecting money for themselves I appreciate that & am now an even bigger fan of the channel 😊 Also, the video and the drawings are hilarious 🤣
    45
  433. This cleared up so much for me. Maybe it’s because I just don’t know tons about investing or finance, but when I first learned about crypto, and Defi, I just had a bad gut feeling, so I never got into it, but when I tried to learn, it felt so overwhelming to try and understand. But you broke it down, gave pros and cons, and it has helped me understand a lot better. While I do get not wanting a middleman, or not having a ton of trust in not-very transparent financial institutions, crypto is so much worse, and so unstable, that it wouldn’t thrive, it’s a pump and dump web that you can barely keep track of. Some of the initial ideas behind it? I agree. The rest, and how it’s executed, and the culture around crypto? Don’t agree, don’t like, 0 stars.
    44
  434. "The PB" Keep it. No kidding. It surprisingly has a ring to it. Bass-y.
    44
  435. This is the most in-depth yet also quick explanation of the crisis that I've seen. Thank you so much for this.
    43
  436. Really cleared up a lot of questions I had haha
    43
  437. Everyone should work on maxing out their TFSA ASAP. Rrsp is on a per case basis, but usually is a good idea as well.
    42
  438. These are some good-ass videos
    42
  439. In my graduate program, one of my professors, who works for the Fed calls QE, Large Scale Asset Purchases (LSAP)s because the name is more reflective of what QE actually is. Love the channel, use it as a reference for a lot of Stock related questions! See you in the financial world soon when I graduate next week!
    42
  440. It seems since Kurzgesagt fiasco everyone is fixing their videos. Good things can come up from the bad stuff I guess. Keep up with the great job!
    42
  441. One small, but important correction, @9:00: Instead of "Even with a massive debt load, the cost of maintaining this debt is actually lower than it's been in the past", it should be "...is actually relatively lower than...", right?
    42
  442. Really admiring you for coming out today about this. No Ifs, Ands, or Butts.
    42
  443. Nice video, Rich!
    42
  444. I can’t remember when I subscribed to your channel. I think 4-5 years ago. I’m amazed at how well you have done sir. I’m glad people are finding and watching a channel that is boring about finances in a good way. YouTube has was too much BS on investing, financial info ect. Again well done sir!
    41
  445. Computer Engineer here, didn't see this answered elsewhere in the comments but yes your explanation of the term "bootstrap" is pretty much on point given it's use elsewhere in software engineering and statistics to mean "start from nothing" or "start from very little". Examples include the bootstrap loader in your operating system: a tiny chunk of code that loads up the rest of your operating system (this is where the term "booting up" your computer comes from); and bootstrap sampling in statistics: a clever way to get better estimates from a smaller amount of data by basically using it to self-generate more (excuse my very inaccurate explanation).
    41
  446. Man they could have gone with Dinosaur Market
    41
  447. Richard releases a new video. I click 'like'. I watch it.
    41
  448. Hey! I just wanna comment here that I really appreciate your videos. Hoping you continue to make them!
    41
  449. The least you could do is provide a free plain bagel to your guests for the information their giving out...
    40
  450. The most impressive thing about this is you rapidly growing a beard during that muscle flex close up. Those are some chad genetics
    40
  451. Fantastic video, probably one of the best, most well argued, and most balanced views I've encountered on Youtube. The point about bitcoin being a deflationary currency is one that I've always thought was very significant, but have rarely ever heard "experts" bring up.
    40
  452. Love your work because of your excellent ability to breakdown complicated topics! btw, I found you during my CFA Level 1 studies and it helped me understand some of the more challenging topics within the Equity and Fixed Income sections; happy to report that I passed Level 1 and moving on to Level 2 this upcoming June! I appreciate your work!
    40
  453. I see this show has fallen into the pockets of Big Bagel.
    39
  454. this might be one of the best videos ive ever watched
    39
  455. Hey man! I really like the background in this video! Just saying... Cheers!
    39
  456. I was half-expecting a Masterworks ad read after he mentioned fine art as a safe haven investment. Glad it didn't come. I'd love to see some real DD done on that company. They give me slimy vibes but I honestly don't have a solid reason why they shouldn't be any good.
    39
  457. I appreciate your work and in-depth analysis!
    39
  458. My Good sir, That Shaun of the Dead reference is excellent
    38
  459. Dude, this channel is just sooo solid. Thank you for your work richard. No bs, straight to the point, plain guy(no pun intended).
    38
  460. 0:52 - The PB Aggressive Blended Instant Account Mutual Fund invests aggressively in peanut butter companies like Kraft and Jif, right?
    38
  461. You have some of the most sound investing content here on YouTube. Like a breath of fresh air. Thank you buddy!
    38
  462. As someone who is almost never impressed nor entertained when educators try squeezing memes into their content, that intro was a flawless victory!
    37
  463. This video had me clicking the subscribe. Only to realize I was already subscribed... so I turned on the notification too.
    37
  464. What a great explanation of a firm's cash flow statement. I really appreciate your videos and insight, your channel is awesome!
    37
  465. Wow come along way from when I first started watching. That's awesome Richard.
    37
  466. I'd love to hear a party pooper video about your thoughts on Tesla. Awesome work bud!
    37
  467. Incredible, thanks for the video. Been a sub for some time and I really appreciate your videos. It's really difficult to find a good quality video with an explanation coming form someone that knows his stuff. Thanks dude.
    37
  468. These videos are practical, applicable, and interesting. Great work!
    36
  469. Another great video. Although it was a party pooper you made some very good points. Where do you find all the research on these companies? Maybe a video on how you can research a company? Also one on explaining dividends would be great! Thanks
    36
  470. So stoked to see these crooks getting called out for a change, love this channel and everything it stands for!
    36
  471. I’m fortunate enough to have a job where I have access to confidential market return data from much of the private active manager fund strategies within the country. These are funds usually only accessible to high net worth, accredited or institutional investors. I will say this, there are plenty of active managers who consistently have beaten passive index fund benchmarks for many many years (yes, net of fees). Do most do so? I’d say generally not. But that’s where you as an investor come in - choosing for yourself the managers and strategies you believe in. Because similarly if you believe that all passive funds are created equally or generate returns that are expected to beat active manager strategies, you are drinking just another flavour of koolaid. I will say that I agree with the video that there are merits to both sides of the coin. And I myself invest both passive and actively - at the end of the day this isn’t just about maximizing alpha potential, or taking the safest route, but about knowing how to manage your risk and diversity within your portfolio based on what you want to achieve based on what stage you are in your life. If you’re investing passively (index funds) or actively (managed funds) both involve careful selection and consideration.
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  472. I actually love your channel and I hope you keep going!
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  473. My day looks EXACTLY the same but I skip the 4th set of chin-ups and go straight for the 5th. I hope to improve in the future.
    34
  474. As a finance student currently, you've been a great inspiration to me. I think you definitely deserve to have all the success coming your way and thank you for this channel.
    34
  475. So... this aged pretty well
    34
  476. My best investment this year in the time I have invested in this channel. The best investment by far.
    34
  477. Appreciate that final comment, its something that I think a lot of people need to hear. People are defined by who they are not their monthly earnings or salary.
    34
  478. Richard is one smart cookie.....I mean Bagel. ;)
    34
  479. Thank for info. There is news about yield curve inversion all over the news today but no one seems to explain it as well as you did
    34
  480. Great animations, straight to the point, very informative. Keep doing what you do!
    34
  481. Congrats on buying your first house! Thanks for this video, it was great.
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  482. Hey Richard, can you make a video about how to detect fraudulent annual report (balance sheet, income statement etc) thanks
    33
  483. Investors generally aren't concerned about "locking in" their investment when they buy long-term debt, because they can always sell that debt at any time. Long-term yields decreasing relative to short-term yields may indicate a price reduction of short-term debt instead of a price increase in longer term debt, because short-term maturity redemption may have more risk than "riding out" a recession by holding longer term debt instruments. The first priority of investors is return OF their investment before return on their investment.
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  484. Thank you for another fascinating video. I love the way you lay out each argument in a clear style, it's so much easier to follow than a lot of the informative channels on YouTube that are more focused on trying to keep the viewer's attention. Some of your Bitcoin arguments are familiar to me, and some of them are new, but they were all really well presented and interesting. Thanks again!
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  485. Ben would not give "grief", Ben will just hand over the Peer reviewed papers and throw words like "CAPM" or "%-factor" at him until the problem goes away xD
    32
  486. I feel personally attacked. But hey you answered my question! Keep up the great work!
    31
  487. Thank you so much for these clarifications and I’m a freshman in college majoring in Finance as well and this really does help! I’m curious if you can offer any more insight to maybe hedge fund managing or any more specific information about investment banking. I wanted to add I love your videos and it’s great to see you with an awesome sponsor like Blinkist!
    31
  488. Blue horseshoe loves Plain bagel ^_^
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  489. Your chanel is actually really cool, glad I discovered it!
    31
  490. I must say, where did you find Francis? What enthusiasm for art! A true kindred spirit with taste and a bedazzling jacket. I am not certain I have seen so many buttons on a shirt before, but I am sold.
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  491. The Beagle.
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  492. This was a great introduction into a confusing concept. Thanks a lot!
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  493. The two formats are great. I find your content both extremely interesting and useful
    31
  494. The public school system has failed us, they teach us trigonometry but not useful stuff like investing and preparing ones tax returns. Thank you for producing these videos, always look forward for them
    31
  495. Hey Richard. I just wanted to say that I love your videos, and thank you for making them! They are fun, high quality and also really informative. I can't thank you enough. Your videos expanded my understanding of investing and probably changed my life (even tho is hard to tell right now). I really wish the mighty YouTube algorithm would be more kind to you, I went back and liked every single one of your videos, I hope it helps <3. I am sure there are a lot of people that feel the same here. Thank you again Richard I wish there was more I could do for you, but I don't have a job so I can't support you on Patreon but as soon as I get my footing financially you will see me there. <3 With respect, Mircea
    30
  496. Thank you, Richard, for this explanation of "quantitative easing". On a number of occasions, I've tried to explain this subject to people -- usually unsuccessfully. Henceforth, I'll refer them to this video.
    30
  497. Congrats for 200k!!
    30
  498. You mean i shouldn't have fomo'd into buying Beyond Meat at the top? But it had such legendary investors like SnoopDog and SuperWoman backing it up!
    30
  499. Clearly put and summed up in a nice package
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  500. Infinite scarcity!? Damn it I’m in
    29
  501. Your vedios are really good. Thanks!
    29
  502. Great video topic, Rich! I love to use Nortel as an example.
    29
  503. Incredible work. But who is sponsoring THIS video??
    29
  504. You know it is funny. This has been on my mind forever. I have shared my portfolio and % performance but not actual numbers. I do like the idea of sharing ideas and getting other people's perspective. My goal for my channel is sharing and learning as a community. But there is always this challenge - how much is the right amount of sharing. Thanks for your perspective.
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  505. "Your overconfidence is your weakness" - Luke Skywalker
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  506. So close to 500k subscribers. You totally deserved it Richard. Every investor can get something good from your channel. At age 22, your excellent content motivate me to start investing. Keep going!!
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  507. When I was a child back in the 70s and 80s I realized that "rich" people owned their homes. Twenty-six years ago I bought my first house. I was 23 and I was scared to death. Before we bought, our agent tried to convince us to spend more than our rent because we qualified. We got a new agent. Be careful out there. Learn the market. If properties are going faster than you can think then let it go. Emotions are not your friend when you are trying to make a strategic decision. Since then I've owned 7 and sold 6 homes. Most were winners...none were losers. Good luck.
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  508. So glad to see a Canada-centric investment channel. Great videos, keep em coming!
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  509. This topic is a constant pet peeve of mine. I get asked about it a LOT too because of the nature of my content. Might need to make my own explainer video soon 😅
    28
  510. Hah! I can't believe it. This is so cool, and awesome of you to donate the proceeds to a great cause!
    28
  511. Lookin' real snug there, Mr. Bagel
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  512. -Albert Einstein 8th wonder in the world is compound interest. We either learn it or ruled by it. or Rule of 72 is good here too. Folks love dividends, passive income for those who like "security".
    28
  513. REIT and telecommunications are also good for them sweet sweet dividends IRM and VZ come to mind
    28
  514. Need to sublet some room in the Ten Million Dollar Studio.
    28
  515. I love your simple and fluid explanation, I'm from Argentina so I have to translate a lot of things to compare them to our financial system (I'm learning fee english business course too lol) and it's awesome!
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  516. Thank you Richard for the great work you do for us! Vacation is well earned. I’ve been subscriber for five or six years and your content has kept up highest of quality through the years! 🙏
    27
  517. It’s always important to prioritize what’s important. The fact that you love your job and can do Youtube as a hobby that makes you money as well is a great blessing! Your content is some of the most level headed on this platform, and I’m glad to see more of it
    27
  518. I thought you were gonna troll us with GME. Congrats!
    27
  519. why someone would dislike this video is just beyond me!
    27
  520. Awesome vid :) and yes loss aversion is real!!!
    27
  521. Speaking about momentum, your channel is picking up some! =) Keep up the good work!!
    26
  522. Thanks for the detailed explanation! 👍
    26
  523. Great content video!! Where did you learn all of this??
    26
  524. Very entertaining. Seems that your best investment so far is sitting next to you in this video. Cheers!
    26
  525. I love your 5 minute history lessons. More please!
    26
  526. I'm a designer, and I love that you made custom-designed wine labels. 👌
    25
  527. Richard, I was able to earn CPE towards my CPA license in Illinois by listening to your podcast on LimiQ. Was a whiplash to see the plane bagel at work. haha
    25
  528. What about doing a video describing the differences of designations like Chartered Financial Analyst (CFA), Canadian Investment Manager (CIM), Chartered Professional Accountant (CPA) and Certified Financial Planner (CFP) in terms of discretionary management. Fantastic videos and content!
    25
  529. This is very well done, Richard. A very comprehensive dividend primer!
    25
  530. Starting to love this channel
    25
  531. Thanks, Richard! I'm loving these videos. Keep 'em coming!!
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  532. ⁠ @ThePlainBagel  New idea…share this info and data with Coffeezilla(you don’t even have to tell us). He can take it from here :).
    25
  533. “Rallies. Rallies never change.” lights a cigarette. “Games Stock. 2021. I was there. Sometimes I feel like I still am…”
    24
  534. God damn dude, you have a fantastic way of explaining things. It's very simple and precise. Absolutely love it. Keep it up!
    24
  535. Lol, it honestly would be a funny change of pace
    24
  536. Next, react to Investing YouTubers.
    24
  537. Congrats Richard! My 'tip' would be to not pursue an actuarial career path unless you like writing exams, 😂😂😂. Although jokes aside, I think the best tip would be to develop a habit for studying and buckle down and push through it, 😉😉😉.
    24
  538. I just discovered your channel, and I decided to watch your early videos after watching newer ones. It is so impressive how your confidence on camera changed! Don't get me wrong, your early videos are also awesome, but I applaud your progress 👏👏👏
    24
  539. I've started to follow your channel because of the gamestop thingy, I can say your content is superb. Even for me, that english is not the 1st language, is super easy to understand.
    24
  540. I always knew he was a half body cyborg with a rocket attached to his waist.
    24
  541. Great video!
    24
  542. 6:53 how a robo-advisor makes you money Step 1: Click button Step 2: “Hello World!” Step 3: ??? Step 4: PROFIT! Seriously though, great video! Tried to look up what an ETF was before and failed but now I get it.
    24
  543. Someone tell the Fed about this "infinite scarcity" ASAP!!
    23
  544. Huge congrats on the investment!! A daring one to say the least but I'm confident that it'll pay off as long as you HODL
    23
  545. good background is back. Yaayyy
    23
  546. Great stuff, Richard. Thank you for these videos. Can't tell you how valuable they've been for me.
    23
  547. I have been requesting this video for so long and you DID NOT DISSAPOINT!! Thank you so much!!! 😄😊😄
    23
  548. Richard saying: "I feel sorry for you son", is the hardest thing i've heard all week. What a G✌🏾
    23
  549. Monetary-policy-induced inflation is a backhanded way to tax people to pay for those services that the government isn't paying for with more "traditional" taxes.
    22
  550. Hey Richard if you want to move over to a new platform we will follow you. If YouTube don't sort this problem we will follow you to a new platform (like if you agree). You are a genuine and good guy and your concern that others might be scammed is admirable. Peace out from Ireland and thanks for all you do,
    22
  551. Love that these videos are high quality and Canadian related.
    22
  552. This is fast becoming one of my favorite channels.
    22
  553. Your honesty is priceless. Everyone should watch this video. Loved it!
    22
  554. Congratulations on getting married! I really rate your channel. I work at JPM and your explanations are so succinct and helpful. You really deserve a lot more views on your videos. I think you're one of the best financial content creators online, so please keep going. You'll continue to grow your channel and get a vast following soon, I'm sure!
    22
  555. Thanks!
    22
  556. @8:18 what are those specs on the bagel?! Is Richard trying to scam his viewers, passing off this Bagel With Sesame Seeds as a one of a kind Plain Bagel? I'll be taking my $500,000 elsewhere thankyouverymuch.
    22
  557. Love this video Richard
    22
  558. The tasty bagel is back at it again!
    22
  559. Two great Canadians.
    22
  560. But if a passive investor trades actively, does an active investor hear a tree fall in the forest?
    21
  561. As a Greek thanks man our history wont be forgotten
    21
  562. This is the best and most comprehensive short presentation of the subprime mortgage crisis, you really succeeded in fitting every important aspect in those 5-minutes. Great job!
    21
  563. I love your videos, and this one was great as well! I have had the following question for a while, and was hoping that maybe you could make a video answering it. Why do nonvoting non-dividend shares hold value? I haven't found a satisfactory answer yet and would appreciate an explanation. My guess is that it has to do with laws put in place by the SEC, but I am not sure.
    21
  564. Congrats on getting married!! Awesome stuff as always!
    21
  565. Great Video!
    21
  566. Great video! The same thing can be said for ICOs (Initial Coin Offerings); only that ICOs don't even have a business behind them and the risks are therefore exponential for investors. :)
    21
  567. Ubvesting is important because if you can not get your money to work for you, you will work until you die. Sadly many americans are learning this lesson the hard way right now. I think videos like this are important and helpful.
    21
  568. this channel is extremely underrated
    21
  569. Your videos always have high quality of investing knowledge. Kudos!
    21
  570. Congratulations!!!! Lots of love to you guys <3
    20
  571. I appreciate the ACTUAL good faith you put in people. Protecting us against the "get rich quick schemes" Very much appreciated. Thank you for keeping me level headed.
    20
  572. I'm a new grad just trying to figure all this stuff out (that I likely should have started 5-10 years ago), and your videos have been very informative so far. Thanks, and keep up the good work!
    20
  573. Love how you present things, great work!
    20
  574. My best friend from college worked for Nortel. I lived not far from their Maidenhead campus in Berkshire, England and interviewed for a job there too. I was lucky that nothing came of the interview however all my friends from college that ended up working there got royal boned. Because of our friendship I had the opportunity to visit several of Nortel's campuses around the world. We still talk about the shit storm every now and again so I just shared this video with my friend. Boggles my mind how all those scumbags and their fleet of private jets got away with fucking murder.
    20
  575. Very clearly explained, and professionally presented. Well done, you are an inspiration to the younger generation!
    20
  576. Should be compulsory viewing for all those starting out on their careers and graduates. Brilliantly packaged for easy viewing.
    20
  577. This is probably the best video I have seen on the subject!
    20
  578. pfffft... clearly the definition of inflation is, "the action of inflating something or the condition of being inflated." How do you create a whole video about inflation and not once mention balloons!
    19
  579. Morningstar had a very interesting paper on whether buying is a good investment titled, "The Home as a Risky Asset" by David Blanchett PhD, CFA, CFP®. As you can guess from the title, they were pretty negative about the idea, especially for those who don't itemize deductions. They conclude that, once you account for expenses, your real rate of return is around 1%. One percent! Now, that doesn't necessarily mean that renting is inherently better for your wallet. I think the actual take-away is that you should never buy more house than you need, with the expectation of selling the property later for more. On the other hand, also remember that a home can be very hard to sell when you need to. That's both a strength (you're not tempted to cash in) and a weakness (sometimes you have no choice).
    19
  580. I’m a world where 3 Canadians are forced to sit in an unmoving car while eating bagels... TeNsiOnS rUn hiGh.
    19
  581. How much do you want for the bagel? I'll start my bidding at $10.
    19
  582. this channel and Ben Felix's channel are must watches for all grade school students. also, if you ever do podcasts, do let us know!
    19
  583. Nice video work Richard. I would like to make a suggestion. Can you put together an updated video about this same time period? I understand this is a five minute History Lesson but there are relevant bits of information that are missing. You have some very good comments form subscribers like P Mason and others. There are things you have to omit for a five minute history lesson but there is a series of short videos that you can make for this period and I think you can do them justice.
    19
  584. Absolutely love this channel.❤️❤️❤️❤️❤️ I’ve been contemplating stocks. Afraid to go into them becauseI feel that I don’t know enough. Reading books and this channel is extremely stealth wealth information. Thank you so much for taking the time in creating these videos. Learning so much on your channel, Thank you!!
    19
  585. Thanks for this mate, this is relatively easy to follow and well explained. Much appreciated!
    19
  586. This was exactly what I needed to know at my current level as a developing investor. Can’t thank you enough for this.
    19
  587. BREAKING NEWS: In an unexpected twist, Twitter buys Elon Musk.
    18
  588. By the way just saw the news about your collab with two cents and wanted to say congratulations and way to go — been watching you since year one and this couldn’t have happened to a more deserving channel.
    18
  589. Great topic choice. I appreciate you taking the time to break this down.
    18
  590. I'm glad you decided to make this video, it is a good way to let people know how you see and want to use your channel. I always found your channel to be informative and enjoy your presentation style and humor. Looking forward to your next topic, whatever it winds up being.
    18
  591. Great video!
    18
  592. wooohhoooo I've been waiting for this type of video especially for weed stocks
    18
  593. Great video and hats off to you for standing up the tesla community! It takes some balls! Its good having someone who is more skeptical to review the company. It would be great if you could rerun your numbers with tesla's own guidance. They're aiming to hit 2TWh in 2030of battery production so using your simplified automotive model, that's around 20-25M vehicles (80kWh battery back per vehicle) in 2030 assuming they aren't using these batteries for their energy products. Also I don't think you mention robotaxis. This is another huge growth opportunity. It would be great if you could do an analysis taking into account the more speculative (as a bull i say inevitable haha) side of the business (energy and robo taxis) to understand if tsla is overvalued vs that analysis as i don't many investors valuing tesla as only an automotive company. So: -scenario 1: this analysis you've done (using consensus estimates and industry estimates) -scenario 2: assume tesla sells 25M in 2030 (only an automotive company) -scenario 3: value tesla's solar roofs, grid scale storage, semi, automotive and robotaxi segments separately for 2030 and sum this together. Then compare scenarios to understand whether current prices may in fact be good value (or not!) Cheers, Ollie
    18
  594. Thanks designated boring internet finance guy!
    18
  595. Wow this one was fun! Very fast paced and almost climactical in narration, good job!!
    18
  596. Soon the fake accounts will evolve into Le Pain Baguette™, hosted by Richard (but with a french accent). Then the Starch Wars will begin.
    17
  597. Awesome and timely Rich 👍🏻
    17
  598. If we could keep trading to Pokémon cards and not stocks that'd be great
    17
  599. 220k subs, I have been here since he had less than 10k. Amazing work
    17
  600. I can say this is one of the best video on investing
    17
  601. I can't wait to turn my millions into thousands using this routine.
    17
  602. Budgets get interesting once you're in a stable relationship. Me and my wife used a shared app, and it's hard to remember adding in new things or agreeing on a budget. But it has been worth it as we review our financial history and work towards our goals together. These steps are great and your video are a great find. Keep up the great work!
    17
  603. Hey Richard, FYI you're missing the word "know" in the title. Keep it up, big fan 👍
    17
  604. Thanks for another great, level-headed video man. Appreciate your work
    17
  605. "It looks like everything you put out". Awesome. Cheers from Colombia.
    17
  606. Richard, I have been bingeing your channel for two weeks and I learned a lot. So many concepts were foreign to me. Thank you so much for the amazing content!
    17
  607. Crypto is seen by many (especially among younger people) as the only chance they have of breaking out of wage slavery. There's an element of despair and hope in crypto that is a powerful part of why people buy in so hard. It comes from a view that the current financial system is a rigged game and the average person has no hope of clawing their way out to a better life. Unregulated crypto is an accessible casino for people to take a chance in hopes of a better life. You can say what you want about that, but I think it's important to look at the environment that creates those feelings of desperation and despair in the first place...
    17
  608. Thank you for this series! Very helpful.
    17
  609. I just wanted to say keep up the great work man. I’m 16 and always had a passion for money and numbers and I love the way your videos explain investing barcodes in a concise and clear manner to really continue to spark my interest and thirst to learn more. I’ve actually done a couple of seasons on the stock market game in my high school business class which I’ve learned some cool lessons and am actually planning to obtain a degree in finance once I graduate this coming year. I’m just getting my feet wet in investing in penny stocks and your videos have taught me a lot of good stuff but is there anything further you could give any advice for just beginning in penny stocks and starting off really young w low amounts of capital?
    17
  610. Very well done video! A lot of us Canadians know someone who has worked at Nortel, so it's interesting to see the history here.
    17
  611. Great editing and graphics, bet that took a while to make. Thanks for the great work.
    17
  612. You seems suspicious. Are you from Canada?
    17
  613. This is the best channel on YouTube, really appreciate your content.
    17
  614. Haven't watched the channel in awhile but since when do plain bagels have flavors? Humor mixed with finance and education = financial edutainment... not bad, Liked.
    16
  615. Definitely a CFP. Working with clients and helping them create a successful financial future.
    16
  616. Is it a bird? Is it a plane? It’s a couple of Shaun of the Dead references
    16
  617. Too kind Richard. Appreciate the shoutout man!! Excellent point with the distribution yield on HMMJ.. Best of luck finding your new editor!
    16
  618. Been a subscriber since you had 8k subs - real quality vids all the way!
    16
  619. Butttt Snoop Dogg and Willie Nelson said......
    16
  620. Impressive! I have been using investing companies like "The Motley Fool" and Yahoo! Finance... Have not heard about wallmine until now... But thank you so much! 🙂👌🏼💲💰 And happy investing!
    16
  621. This was an exceptionally good video, I'd love to know the process behind the scenes on how you do the analysis (and what is important vs not important). I disagree with you on your point 2. though, I think the battery/solar/power space will probably become more profitable going forward. Even to the point of supplying other auto companies with batteries. But it is just early days. But nice video, keep them coming :)
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  622. I LOVE THIS CHANNEL! I’m sorry I haven’t seen anything like this 20 years ago. I’m from Brazil, 46 now and started investing last year. The knowledge you give is priceless and help people all around the world 🙏🏼
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  623. You have a gift for teaching :) Keep up the great work!
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  624. I’m pumped to watch this tonight when I’m off work! You guys do an amazing job covering history in the stock market. Always interesting and well presented :) keep it up!
    16
  625. This is going to be a million subscriber channel, please keep up the good work
    16
  626. the video everyone should watch. you had my attention, now you have my respect, sir.
    15
  627. I think it is good to do a critical analysis, and your approach seems reasonable on the surface. Here are some things to think about, however. There are a LOT of unexamined assumptions in your video. There are reasonable reasons to think that Tesla will continue to outperform the market in the coming years... 1. Tesla is expensive looking backwards but is predicted to have 25-30 EPS by 2025 and still have more runway. Those p/e multiples are coming down fast... A 30x-50x multiple in 2025 is reasonably expected since their growth story will likely continue. That means 1000-1500 TSLA in 2025 at 30-50x--if all goes as planned. Risk is, of course, real!!! 2. The competition will struggle. Mightily. The legacy auto-makers will indeed be investing billions, but they will be eating their own foot as they do so, not to mention the "story" they will have as they shed stranded assets and move capital to r&d and request bailouts. The competition is also extremely indebted, has large bureaucracies and unions, and is more dedicated to spending money on marketing than on creating great products. 3. Tesla has more cash than debt, and that ratio improves every quarter, and that improvement is accelerating. 4. Tesla announced a 7-10x reduction in battery costs, soon making BEV less expensive to buy than ICE cars, not to mention less expensive to maintain, irrespective of the cost of gas. 5. You should look at the Bloomberg customer satisfaction survey showing a ~96% customer retention rate. These are Apple-like and indicate that Tesla is not just an auto company, but a lifestyle brand that is eating its competition. 6. The Bloomberg and Deloitte research you quote is now "old." How many countries and states have since announced the ban of ICE vehicles by 2030 or 2035? Which company is best poised to capture market share in this scenario? THE TREND IS YOUR FRIEND... 7. Tesla is projected to produce approximately 20 million vehicles by 2030. Tesla clears about 10k per vehicle and this will continue as software purchases for the car fuel revenue. (If Ford could charge 2k for a 2-second performance upgrade, they would.) 8. Why do car companies only have 5x ratios? Because most car companies have huge overhead, huge debt, and huge DEALER NETWORKS. Most of these companies have done little or no innovation over the years, and that is going to hurt them in the future. Tesla, even if values as a car company, has a roadmap to greater efficiency just based on its business structure. 9. I don't blame you for not looking at their other businesses (energy, autonomy, etc), but there is little doubt that those are potentially huge. If you know of another better bet in these areas, I would love to know! 10. Past stock performance should never be used to judge future stock performance (up or down!), HOWEVER, past behavior is a great indicator of future behavior. Legacy auto has shown an ability to go bankrupt, incur debt, cheat (emissions scandals), spend exorbantly on advertising for less and less market share (GM trucks), and have little to show in true innovation. Tesla has shown that is becoming more (not less) profitable, more popular, more capital efficient, more revenue diverse, more geographically diverse, and more and more efficient at production. I know which trends I am betting on.
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  628. I've arrived late to this video. As a major Tesla bull I look for well thought-out counter-arguments to make sure that I haven't missed anything that could be costly. Thank you for giving your point of view. In the end, your points did not change my opinion or outlook on the stock long-term as, IMO, the initial assumptions are incorrect regarding growth, potential revenue streams etc. What I do take into consideration, what I also knew when first investing, is that there is still major risk involved with this stock as Tesla still has a lot to prove and make reality. Difference between us, I guess, is that to me that path to achieving those goals is clear and they are clearly taking the right steps to get there while competitors seem to lack what is needed, while you think this path is still 50/50 at best. When investing in such high growth stocks, the key is to invest what you can lose as some kind of "black swan" event can always happen. Don't stop giving you point of view, even if it's met with major criticism as I know there are a lot of Tesla investors that invested because Tesla went up majorly and can't take videos like this for what they are, an honest detailing of potential risks. Thanks, I'm really enjoying your content and channel, keep it up.
    15
  629. Great Video Richard. I’m sharing these with my kids, while they’re out of school! Also, for a future topic, do you think “how to read a balance sheet” can be made to be entertaining enough for a video? Thanks as always.
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  630. Your channel is off to a great start! You've earned yourself a sub and I can't wait to see more from you in the future.
    15
  631. When does the rubberband snap?
    15
  632. Your channel will have millions of subs in the near future
    15
  633. this is the real canadian accent.
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  634. Wait, so is Expert Jonathon not your FX broker. I just wired him my retirement savings after you sent me his whatsapp number. :)
    14
  635. Love your videos man. Commenting for the algorithm so that others will hopefully also find this truly excellent content.
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  636. I'm studying for the CFA Level 1 exam and this video gave me a new perspective on EPS and diluted EPS. Thanks! :)
    14
  637. Congrats on Bagel Jr. !!!
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  638. Bagel boy!!! $PBC to the moon!🚀🚀🚀
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  639. Hi Richard, Thanks this was really helpful. I am trying to get my head around the Danish Bonds for mortgages. There is an interesting scenario now, where a lot of people are trading their mortgages in for 1% mortgages, which then triggers a ripple on higher yield bonds 2/3% as if they are worth 7-9%. Really interesting and this video helped me understand why. Thanks.
    14
  640. Yo is that the kitchen you remodeled? Looks incredible! Can’t believe what the Bagel Buddies Billion$ Buyers Program has done for you!
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  641. I agree with most of the points you mentioned and it's obvious that crypto is extremely-overhyped and very risky. On the point of utility, I don't think you are correct in saying that the utility is very easy to replicate. You mention all the coins popping up and now collapsing, and you are correct to say those coins don't have utility that justifies a high valuation. Which is why I think investing in these random coins and tokens is akin to gambling. However, certain blockchains like Bitcoin and Ethereum are very difficult to replicate, since P2P decentralized networks require and rely on the amount of users and developers. It's unlikely that a new blockchain is made that will get rid of BTC or ETH, because there are giant communities behind these two blockchains. And then there are other coins that are built on Ethereum that are reputable and transparent, and it's not easy to replicate these in my opinion. Still, you are right that it is difficult to quantify this utility, just wanted to add my thoughts though.
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  642. I've been watching your videos for sometime now, and they are simply amazing, good job, keep it up. Looking forward for more.
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  643. I just have to comment here how much you've improved from your first few videos. You're doing great!
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  644. 99% of the time I watch YouTube, I’m also doing something else, like driving, or on Instagram or working. This is the ONE channel I’ll drop whatever I’m doing just to listen as close as possible 😂 thank you for the great content as always!
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  645. Thank you for another fantastic video! It's very educational. But I wonder if you could do a video in the future focusing more on the Canadian experience of the Great Depression. Was there anything we did to make the effects worse than they would have been otherwise? My dad used to tell stories about Bennett Buggies (cars pulled by horses because the owners couldn't afford to pay provincial gas taxes), and how William Aberhart (the premier of Alberta) thought he could somehow print his own money and give it to Albertans (he couldn't, but it got him elected), so I know there were all sorts of crazy things going on here in the 1930's.
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  646. Some how i have been binge watching your videos... great content... Just hit the subscribe btn.
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  647. i love this channel and this was my first comment on youtube since it was created and it was for you! keep it up brother.
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  648. Excellent deep dive on this Bagel, well done.
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  649. Man, you're dropping straight knowledge and it's awesome that it's so readily available. I'm gathering much from your videos, ty🤗
    13
  650. this richard is a paid actor, where is our real richard ??
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  651. Not so plain bagel after all
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  652. This channel deserves 1M+ subscribers. Top quality content presented in a very simple way. Keep it up!
    13
  653. Your content is so precious, never stop doing it! Thank you for explaining these concepts in such a concise and easy way. Finance and economy education is really underrated. A lot more people should inform themselves of how the world around them works.
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  654. Brilliant video - really clear and well presented. Gotta be one of the best I have seen. Yes - a little fast moving for a beginner, but I loved it
    13
  655. Always go logic than emotions or else you’ll lose everything. Great video! :D keep it up
    13
  656. I think Richard provided the best guide on investing for beginners. This is the only youtube channels I have seen so far which describes the investment scene in Canada.
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  657. Great video, really liked the colab. Leaving that all aside, I wanna thank you for the content you make because it just helped me pass an exam I had in university last week on capital markets. God bless you Richard!
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  658. What on earth did I just watch? Like button smashed.
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  659. Thanks for this background on Nortel. In the UK, I remember they invested in a large production facility in Paignton-Devon. There were workers re-locating from different parts of the UK and Europe to come to work there. When it went wrong, they blamed the global economy and higher costs of the micro chip supply. The impact was huge and devastating on local jobs and families..etc. Just goes to show the B.S. management tell the workers and share holders. Gutted the culprits got off scot-free though. The old site has only recently been built on again (2019) and, yes you've guessed it, large supermarket(s) and some housing is being constructed.
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  660. This channel is one of the best in its kind. I just spent months going through a lot of videos to have a better understanding of finance, and your videos are clear, relatively short without being too short, and give great explanations about diverse subjects. Thank you for this great content, hope you'll keep making those.
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  661. Been waiting for some content on this from you! Glad you talked about this :)
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  662. You’re definitely my favorite YouTuber!!! Well researched, level headed, incredibly informative. I’ve listened to very many finance YouTubers but it’s always your content I look forward to! Thank you for what you do!!!
    13
  663. Didn't know of this paradox yet. And thank you for explaining the importance of both active and passive investing, this is an essential lesson!
    13
  664. Thanks for the videos! Your explanations are very coherent and cohesive. Could you please do another segment going breaching the subject of short term capital gains of a trader vs investor? Awesome work man!!!
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  665. I learn something every time I watch your channel. Thank you.
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  666. My man, in just these past 5 videos I've learned more than all the books and searching around I did over the years, I can't fucking believe how easy you were able to break down this topic. Like many have said, you're very, VERY underrated. FFS, what's wrong with Youtube! Give this man more exposure!
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  667. Great job with your videos Richard. I've been trying to grow my financial literacy lately and I've found your channel to be incredibly helpful and on point. Keep up the good work :)
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  668. Really glad I’ve come across this channel. So clear, concise and informative, as well as perfectly transferable to the way I look at stocks here in the UK. Massive thank you 🤙
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  669. wow great video! Also literally one of my finance professors used one of your videos to explain options!
    12
  670. Awww! He's absolutely beautiful! And your corny humor is the best! "Bagel Bite." 🥰😅
    12
  671. Your intro saying "2018 was a crazy year, with things like bitcoin, the weed stock rally, tech stock rally" can be used again here in 2021!!
    12
  672. Very great! Very informative while being easy to understand. Can't wait to see this channel grow!
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  673. Very well explained! I look at the 10-2 bond spread occasionally to see if it is becoming inverted, which is essentially the same as watching the yield curve flatten.
    12
  674. I remember watching you guys channel last year and you've grown a lot since then. The views are well deserved tho, top notch content.
    12
  675. This was exactly the video I was looking for! Thank you
    12
  676. As an index fund investor, I'm quite happy to let a minority of active investors 'beat' me, and earn a profit to set prices for the market as a whole. What I take issue with are the high frequency traders front running institutional investors, and effectively profiting at their expense because they have lower trade latency. We need some sort of mechanism to squeeze the profit out of high volume, hi frequency trading. Perhaps a trading volume fee, or increase the time it takes to cancel an order (by say, 100ms?) to make these front running strategies less effective.
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  677. I thought this was a fair critique. As a creator, I've learned firsthand that there needs to be a title / thumbnail approach to pique enough curiosity for someone to learn and retain new information, otherwise - people scroll until they find something else that does. After all, if a video is titled: "Inflation Comes In Below Expectations," people have no reason to learn about a new topic - but, if it's about the Federal Reserve FLIPPING THE MARKET, there's a reason to watch, even if someone has no prior knowledge of the market. In a way, this helps people learn about the economy - even if they had no prior interest. Your China video was a perfect example of this - you were able to appeal to a large audience, who were curious about the topic, while sharing a neutral perspective that your viewers could benefit from. Our niche is a fine balance between appealing to a large audience, and actually delivering on the content that they came to watch, while also making it entertaining enough for people to stay and learn. Finance is a really, really difficult subject for people to want to watch, unless they're already interested - so, for most people - there needs to be a reason to click, that they can relate to, and from there it's up to the creator to deliver a balanced, fair argument. Since I started in late 2016, we've definitely swung from one end of the pendulum to the other, but at the end of the day - I believe our goal is to create interest around personal finance, teach people that money doesn't have to be taboo / boring, and provide a side of entertainment as the way of delivering helpful information.
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  678. I think the latest now is.... it has already collapsed, you just don't know it yet. Reminds me of the Hyperinflation is already here, you just don't know it yet trend from last year.
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  679. Thanks!
    11
  680. clear explaination
    11
  681. As always, very informative and concise. Always learn something new watching your videos. Keep up the good work, buddy!
    11
  682. I'm sorry vexrav.
    11
  683. I'm 16 and just starting trying my hand at investment by myself your videos are so helpful, it is so easy to make poor decisions when investing! I would love to see some plain bagel merch.
    11
  684. I literally just finished the CF chapter in CFA1 just a few weeks ago. Bless your soul, Richard <3
    11
  685. Plain and clear, Richard. Thank you :P
    11
  686. Just sold my house for your collection
    11
  687. Instructions not clear. Brought 5 babies.
    11
  688. Congrats!!! I love how you hyped up the investment that it was gonna be some huge thing that would pay dividends down the road and I was like ooooooo what is it lol thinking it was a stock 😂
    11
  689. Best financial education channel you deserve 20 million more.
    11
  690. Congrats on the amazing growth man! You've inspired me to start trying to make personal finance videos as a way to educate myself. Keep doing what you are doing :)
    11
  691. Love your videos, Mr. Bagel. It’s a real shame that so many people suffered at the hands of accounting misrepresentation. That’s kind of an ever existing fear when investing.
    11
  692. Thank you for such a well informed and analysis rich video. You are my top go to investing channel and will most likely stay in that position for years to come. Keep up the incredible work and thank you for your gift of education that you teach us all for investing. 👍
    11
  693. I’ll be sure to give you credit for my new Wetoke startup.
    11
  694. thank you I have an exam
    11
  695. Great video, clean animation, expertly explained. 💯 EPS(& therefore P/E) isn't my favorite metric for gauging a company. Can't stand companies slipping extra things into their reported eps to bolster the number. It's a great place to start when searching for an investment opportunity though.
    11
  696. I have watched three of your videos now on stock market fundamentals. Solid advice, easy to understand language, and great editing. Subbed!
    11
  697. Funny this was the very first DVD I ever bought and it was the first year of my career as a financial advisor. Luckily, it wasn't J.T. Marlin! 😂
    11
  698. Accurate, articulate and easy to follow! One suggestion I have is to dail it back with the hand movements. It's better to come off more natural than fidgety.
    10
  699. Stop winking at us every 10 seconds, it's making me feel violated. Otherwise great info!
    10
  700. I hate this idea that i HAVE to jump on an investment straight away. As in its as if you are with us or against us. Yeah I dont invest in bitcoin and I dont care that much if you do but I just choose to hold my money in more traditional investments. My business is doing really well and I just prefer to hold less volatile blue chip stocks to just diversify my portfolio. Its just a matter of what you want your portfolio to be.
    10
  701. Well, not exactly buyback, but Vedanta ltd. (Company from India), proposed a delisting offer at 87 Rs. a piece, whereas its stake in a subsidiary company had the value of 130 Rs a piece, and its book value was 3.5 times the value the Promoter offered. Value destruction of small and retail investors by this big corporations for their own benefit is common in Indian Stock Market. Anyways, love your work as always, Richard. My first video was the Dot-com Bubble and since watched each and every video of yours. Keep up the good work.
    10
  702. The lack of views on this particular video is interesting. Maybe try flavored bagels? 🤷🏿‍♂️
    10
  703. Thank you! I'm 30 and just starting to figure investing out. This helps a lot!
    10
  704. I have never tasted a bagel in my life. So this joke was actually even quite informative to me. 😂
    10
  705. One thing I would like to mention is that tech has become a much bigger part of the Index than it was before and tech generally tends to have a higher valuation which could mean going forward long term average of 16.6 could go higher
    10
  706. How does this channel JUST have 156k subscribers?? Very underrated!!
    10
  707. Awesome video! Clear and straight to the point. Bravo! 👍🏻
    10
  708. it's impressive how the intelligent investor from Ben Graham is still relevant until this day, the people participating in the market have not changed a bit
    10
  709. plain investing
    10
  710. Thank you for making this video. I'm interested in investing but not very knowledgeable about it, so I find your advice extremely helpful! Warnings are just as useful as positive advice. Maybe more useful overall.
    10
  711. This is super informative. Thank you.
    10
  712. Preparing for level II in June..... Love your Channel man...
    10
  713. Thank you so much for always providing great educational videos on a wide variety of financial topics. You've contributed a ton to my financial literacy.
    10
  714. How can I subscribe twice? This channel is honestly too good! Thanks for taking your time explaining all market news AS they happen🙏. Keep up the great work!!!
    10
  715. I was surprised when I looked at the number of views and subscribers. The quality of this video is of a much bigger channel. Keep it up.
    10
  716. I love this guy. First video was understandably dry and packed with helpful information. In this video it was surprisingly refreshing to see him use self-deprecating humor, without forgetting to balance the topic with the overly-neglected human/philosophical angle. Exactly the way I understand the world. New subscriber here. Thanks!
    10
  717. You can easily get 10% a year averaged over 25 years if you invest in a basic s&p500 etf with regular consistent monthly contributions. Then keep it there when you retire even as you’re withdrawing a salary to keep earning as you spend and get even more out of your investment savings. Even if the stock market takes a dive it will recover and you’ll be better off in the long run.
    10
  718. This has become my favorite channel on YouTube lol. Great job as usual.
    10
  719. Congrats on teaming up with Ted-ed on their latest video, love your stuff :D
    10
  720. I am attending the bachelors degree in Accounting & finance with Hon. One of my paper is Invest and This Behavioral Finance is one of our assignment. after I watch your video I get some idea for my assignment. Thanks bro.
    9
  721. Boostrap aquisition: "To pull yourself up by your boostraps or sort of making something out of nothing (or very little)" - The plain Bagel. Too late for the "dont quote me on that".
    9
  722. bUt WiTh ThE lImItEd SupPlY oF 21 mIlLiOn It OnLy GoEs uP!
    9
  723. I am not getting tired of emphasizing that Bitcoin is a non-productive asset and thus cannot be valued. Hence, you are speculating. As long as you admit that, I have no problem with people putting it into their portfolio. I won't.
    9
  724. For that hilarious intro, you win the internet for today good sir!
    9
  725. Congratulations, Richard! Shocked (and happy) for the tremendous evolution of Plain Bagel. Keep it up to the moon and beyond x)
    9
  726. Loved the first 30 seconds of this video (in addition to the rest!) so many get rich quick of real estate videos floating around youtube, glad to see the sobering sanity of your advice! Keep up with the great videos, been watching since the original 12 episode series and plan to keep going!
    9
  727. I'm sorry you have to deal with this. If I see any of those scam comments I'll flag them.
    9
  728. I have to put the video's speed to 0.5x. Good video thank you!
    9
  729. Sadly this is all true... Hello from greece btw
    9
  730. Very surprising to find an unbiased source on this matter. Most videos on it are either like "THE LAZY GREEKS TOOK OUR MONEY TO HAVE PARTIES" or "THE EVIL NEO-LIBERAL EU STRANGLED THE GREEK ECONOMY WITH A COUP". As a Greek, thank you
    9
  731. Excellent video. You manage to give a thorough explanation of a complex issue in a surprisingly short amount of time. Keep up the great work.
    9
  732. Love the new background! Great idea! I will say though, i agree with other comments that you seem a little too zoomed in this video. I would prefer the chest high or belt high shot. Keep up the great work! Love your channel!
    9
  733. Congratulations... Keep up the great work ❤️
    9
  734. Bless you for telling the real hard truths. Honesty is the best thing you can give people. People ought to be instantly suspicious of any get-rich-quick scheme salesman.
    9
  735. You’re doing a great service to people who watch this video. You’ll probably save hundreds of people from being scammed by those scammy “I will teach you to be rich” programs and people from being burned and losing money in the stock market just because the mass media keep telling us that we can become rich from investing so we jump head first into stock investing when in fact investing is just to maintain (from inflation) or probably increase just slightly one’s wealth. Love this kind of videos and keep up the great work! 👍🏻🙌🏻
    9
  736. I like that Metal Gear Solid sound effect snuck in there
    9
  737. Currently taking a class on selling options. Great stuff here, you nailed it exactly and I learned something too lol
    9
  738. Important to remember health costs / insurance not sponsored by employer anymore
    9
  739. Thank you for the video! I’m an investor in Tesla and I believe in the company long term, but I appreciate all of the factors you have pointed out regarding some of the alarming parameters of the stocks current trading price. Happy holidays dude 🙏🏾
    9
  740. Very well explained. I wish I could explain it this well to people.
    9
  741. This channel is really special. Great advice and very professional but relaxed, without being overbearing or too technical. Proud it’s Canadian as well.
    9
  742. These videos are informative and well-illustrated. Keep up the fantastic work!
    9
  743. I'm adding this to my playlist about the building blocks of finance
    9
  744. You've already convinced me 6 months ago when I found your channel. Keep up the good work. I think you're really helping a lot of viewers.
    9
  745. Amazing video explained it perfectly thank you 👏😁 I understood it in the first few minutes compared to not understanding from whole other videos!
    9
  746. Higher interest rate means more expensive mortgage payments (variable). Stock prices will go down as companies make less money. Savings rate in bank will rise.
    9
  747. love the videos, and I admire the segway from pure animations to videos of yourself... good content... keep it up!!!!!!!
    9
  748. I like your videos so I've got a piece of constructive criticism: look at the camera more! Staring directly into the lens may feel weird, but it looks great on film! Keep up the cool vids!
    9
  749. The perfect collaboration, I’m beyond confused by this paradox but nice work guys!
    9
  750. I wrote my university thesis on Daniel Kahneman, loss aversion, and cognitive biases relating to investing. Really well done video. Barry Staw is another great writer on the broader topic of cognitive bias. Lots of super interesting research!
    9
  751. Hope you are being safe during these trying times man. Remember the lines in Hitchikers Guide to the Galaxy when it comes to trading right now. "Don't Panic".
    8
  752. Just noticed your sub count- this year is going to be the year for you to break 1 million. You've done such a great job with this channel over the years and I'm stoked to see you so close to that big milestone. Thanks for the hard work and vids!
    8
  753. good video
    8
  754. Good job!
    8
  755. One two half two donut is back! :) Edit: That Sith remark had me spit out my coffee just fyi. :D
    8
  756. I love a good plain bagel
    8
  757. I love your channel and thank you for all you do for the community. Happy Holidays and Health.
    8
  758. I love the Shawn of the Dead references!
    8
  759. Much love&respect to our neighbours from Turkey. Get well soon komşu! <3
    8
  760. Honestly this video was fantastic. I know that your are gonna be super successful in your profession after seeing you get the cfa exams done but pleaseee make more videos on this history. They are concise, clear and very well put together!
    8
  761. Bagel baby! Congratulations..............
    8
  762. Congratulations!!!
    8
  763. Oh wait these NFT's are back? All in baby!!!!
    8
  764. You forgot to faction in inflation which is around 2.3% a year which brings down that 9.8% down a little bit more, shoot even the usd value could diminish but if you're in the market it wouldn't hurt ya technically.
    8
  765. Great video! I think its best to focus on making a higher income and having passive investments
    8
  766. One of the greatest videos on this platform.
    8
  767. I'd like you to make a vid explaining about how to risk manage ones portfolio. Happy that I found this channel, thanks!
    8
  768. congratulations on getting married, and glad to have another great video from you.
    8
  769. Hey, congratz and happy married life :)
    8
  770. Congrats! That is a HUGE accomplishment! 🥳🎉
    8
  771. This channel needs waaaay more views and subscribers!
    8
  772. Your series is great! Thank you! Look forward to more videos.
    8
  773. I do miss the days of Plain Bagel Co. hahaha
    8
  774. Can you ship it to Spain?? If not, have my like button as a show of appreciation of your great work. Cheers from overseas.
    8
  775. One of your best videos so far, great job!!
    8
  776. Dont come here with your data and analysis. Youre ruining my excess returns from my tiktok pump and dumps.
    8
  777. Do more videos Looks like u spend a lot of time on graphics of your video Keep it simple and do more videos Your chanel is great💯💯💯
    8
  778. the fact that bots comment faster than real people scares me lol
    8
  779. Love your videos. You do a fantastic job explaining complex thing to the average person!
    8
  780. whoops, at 4:47 the spread is $0.20 but Richard wrote $0.02
    8
  781. Excellent video, clear and to the point.
    8
  782. I’m exciting about the ascendency of our Canadian monetary overlords.
    8
  783. This was really fascinating! Thanks for making the video! We need more education on our own financial history.
    8
  784. I love that you tied it in to your dad, I really enjoyed this cool story.
    8
  785. couldn't have been summed up any better than this!
    8
  786. First off, I want to say a big thank you. Even as an Econ student, bonds were really not given a lot of discussion in my program of study. Your video was well presented and it helped me to grasp the concept much better. To answer your question about the flattening yield curve, I do believe it can be a tool for predicting recessions. We are currently at a very low unemployment level, and the Fed continues to raise interest rates. Once the Fed realizes that it has raised rates too much, it will start to backpedal and begin lowering them. From my point of view, this will be a major predictor of recession.
    8
  787. Nice work, thanks!
    8
  788. i love this
    8
  789. I share your videos with friends and colleagues to get them to start investing. Way too many people in their 30s and 40s who haven't taken this seriously. Thank you for another great video.
    8
  790. SiggeSolarix if you or anyone else could time the market then you would be the best fund manager that ever lived, but since nobody can it’s best to just think about averaging down when the time comes.
    8
  791. your upgraded gray background makes all the difference!
    8
  792. Lovely video. Appreciate how calm and clearly you speak.
    8
  793. avocado spread with that plain bagel pls
    8
  794. Conclusion: be a long term investor. Thank you, Mr. Bagel ! - canada
    7
  795. coffee and TimBits....not only breakfast of champions, but food for the algorithm
    7
  796. Ben Felix: You are dead to me now. All kidding aside, I'd love to see another collab between the two of you. It can even be a debate over this topic. Who will shout IMBECILE first?
    7
  797. From one that owns a massive percentage of Bitcoin in his portfolio I truly appreciate your thoughful opinion. I listen to a tons of dumb arguments from bitcoiners and contrarians, with flawed, biased, false and uneducated opinions. You expressed facts and these facts don't let Bitcoin fits into your portfolio, and as you said, it's perfectly fine. I acknowledge these facts and, I did my homework and I'm ok to take the risk, I like Bitcoin as a concept and I think it's an asymmetrical bet. If I'll be wrong, I'll be ok with that.
    7
  798. That sound effect at 2:01 really had an impact on me. It's like I jumped into a painting and fell into a different world
    7
  799. The fact that this channel only has 96k subscribers reflects how little interest we have in building wealth via investment :\ ~ Great content btw.
    7
  800. 0:42 cra-duces
    7
  801. Your channel, Mike Maloney and belangp are my ABSOLUTELY FAVOURITE YouTubers who talk about investments!!!
    7
  802. I always thought that Bulls rev up and bears hibernate
    7
  803. You should do part of the explanations videos while eating and bagel, and every time in a different bagel shop.
    7
  804. suggestion: very useful content, thank you very much. clear and simple. if i may add a recommendation, as a ux researcher, i would recommend doing the following simple change; If you want to discuss 3 elements, cash flow components for example. i would recommend displaying the 3 even when you are discussing one of them. display the 3 each time and highlight the one you will foucs on. this makes for an easier understanding and less cognitive workload. makes is easier for people to remember the 3 (recognition is better than recall). sorry if this is not very clear (sorry, writing this laying down with a significant leg pain) . feel free to reach if you would like more information.
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  805. I have been watching your videos for a while now. Thanks for spending your time to make these very educative videos. What a great job analyzing the cash flows! I have already subscribed to your channel. Wish you success.
    7
  806. Thank you for making the video. it really helps a lot.
    7
  807. My parents' generation destroyed my generation. That is a fact and the crisis is our own mistake to bear. However if anyone thinks that the EU was "fooled" by Greece's deceptive financial statements they are naive. When Greece started going down hard the EU wanted to save its ass and used Greece as a guinea pig without considering the ramifications that it would have on the Union. Nowadays we see the results of their experiments. The Italian people are understandably against EU's involvement in their crisis management because they saw what happened to us. The Spanish are more or less the same. Same goes for any country that is struggling within the EU. The Recession perfectly demonstrated to the people that the European Union is anything but a Union and I don't think that the EU can salvage this without major reforms. I don't think though that this bureaucratic hellhole is capable of reform so...we'll see :) Great video though thanks for covering my country!
    7
  808. Video's great and accurate, there's a lot more depth to the issue but hey, 5 minutes, you got the essentials, boom. Educational material.
    7
  809. More or less correct. But a few mistakes. There was no debt cut for Greece. We had debt restructuring and ZERO cuts. Understood that the restructuring (from high to low interest loans) WAS very helpful. But ZERO cuts. So the term "bail-out" is incorrect. Also you missed out on one of the most interesting stories. (and future best-selling book + Hollywood movie). In order to make the deal with the Troika Greece was forced to buy back their failed bonds from EU-Banks at top dollar. This is how the debt went from 127$ to 181% "overnight". So EU nations bailed out their banks losses of around $80b and presented it as a bailout to Greece. It was in effect Greece bailing out EU Banks who were set to lose around $80b. * Also, one final thing, you shouldn't say "Greece" or "Greeks" but the "Greek government". Don't confuse the two. Greeks have - or rather had - the lowest household debt in Europe.
    7
  810. Amazing video! I really enjoyed it
    7
  811. Love your stuff boss :')
    7
  812. Guessed it from the clues haha. Congratulations!
    7
  813. Noah you will be missed! Can't wait to see the future videos.
    7
  814. Dude 🤦‍♀️ Saudi currency is pegged to dollar 🤷‍♀️ They need to change this first 😒
    7
  815. Great video. More people need to see this video. Sharing to everyone I know that invests.
    7
  816. I gave you a thumbs up because I appreciate the information. People need to realize that ther is no "secret" to getting wealthy. I will also say that just because you "may lose", doesn't mean you shouldn't invest.
    7
  817. Thank you for this, really hammered the idea of there are no shortcuts without side effects. Love the well needed dose of honesty.
    7
  818. This is a really impressive explanation. Thank you for doing this lovely video.
    7
  819. Hey Rich what do you think about doing a video about Ontario's debt? What does it mean? Is it troubling that it's the highest sub-national debt? I think a lot of people might be interested in learning more. Also what role do central banks in terms of interest rates, treasury bill yields, and bond yields have to do with it?
    7
  820. LMAO Hoax-Wagon
    7
  821. Oh wow 100k, I remember when I found this channel and it was around 12k. Well done and you definitely deserve it!
    7
  822. Thanks Richard! Graham Stephan. I liked Patrick Boyle and Money & Macro but not didn't know Aswath Damodaran. Graham Stephan. Thanks again for sharing, I was looking for more academic content. Graham Stephan.
    7
  823. Hey man ! thank you so much for your videos, thanks for being honest, thanks for not being like the others and saying THIS is the ONE stock you NEED to buy ! I really apreciate it thanks for educating us !
    7
  824. I for one would like to get some exposure to the electric bagel market.
    7
  825. Love this! Subscribed liao! Love from Singapore!
    7
  826. Happy New Year, Richard! Thank you for doing what you do with care, competence and integrity. You are a joy to watch, both for entertainment and for knowledge. All the best to you!
    7
  827. 10:40 you don’t punch air at 9AM?
    7
  828. I didnt understand short selling and after this episode I finally subscribed!
    7
  829. …That moment when the guy you used to be in a high school garage band with ends up on your YouTube recommended videos! 😂 Glad to see you’re doing so well! Congrats on the successful channel. 🎉
    7
  830. As a very recent subscriber I have to ask... 'how the heck did I NOT know of your great (Canadian!) channel?' This is a fantastic video. Thanks for doing what you do!
    7
  831. Bahahaha! This is almost TOO entertaining! Well done!
    7
  832. This is awesome.
    7
  833. Love the animation!
    7
  834. Excellent points. I'm guilty of waiting to reinvest after selling a rental. Still managing to do it gradually as time and timing permits - moving the money into REITs. Still, think it's better to seek value than dump it all into something that's overbought.
    7
  835. I love your videos, even if you are invested already and making monthly contributions, these videos are still very educational and reinsuring. Keep it up 👍
    7
  836. The great info, the windows message joke, and the gray background joke just won you a new subscriber.
    7
  837. great advises! long term is the only way to "beat" the market or better minimize the risk of your investment ( also diversification is crucial)
    7
  838. notification squad!
    7
  839. This was an awesome video, Richard! I can sense you are feeling for those who are missing out and speaking from a magnanimous (smart) heart. I'm definitely sharing this video with my people. :)
    7
  840. Great content, Richard! Keep it up!
    7
  841. Wow no one have ever experienced pe ratio like you did thank you 👍👍👍
    7
  842. Thank you for another great video! Multiples are a concept I've had trouble with in the past, but your explanation makes it very clear.
    7
  843. If only these companies invested the money they spend on advertising their stock on actually making real products and services maybe their stock would be worth something. Great journalism, Richard. Discovered your channel through this video and glad to be part of your first million subscribers. -Alex
    7
  844. Really cool stuff bud. Damn proud. Keep it up!!!!!!
    6
  845. I'm actually cursing my finance master and it's really fun to be able to experience a lighter aproach to the content I study on my classes. Great content guys!
    6
  846. IMBECILE! I see this channel is now embracing the memes. Passive Investor: Omae Mou shindeiru. Active Investor: NANI!
    6
  847. You're not a multi-millionare like a normal YT Guru? Do you at least have a Lambo? If so, why don't you film your videos in front of it like Graham Stefan, etc., do? How can we take your advice seriously if you don't have millions of dollars and a Lambo? I always follow Meet Kevin's advice and buy Tesla Calls on Margin.
    6
  848. You are an awesome presenter. Great research and delivery. Hats off to your team! :)
    6
  849. First, I love your channel and the great quality work that you are doing! You channel is severely underrated! My question is if I should be worried about the flattening of the yield curve? / If there is anything that we can do, as novice investors, to get ready for the expected recession or slow-down set to come in 2020? Thanks in advance! :)
    6
  850. Your jokes are icahnic
    6
  851. Thank you for this video! I will graduate in some months from my finance/economics major and this helped me clear out some doubts :)
    6
  852. This is actually one of my first times commenting on YT... This channel is awesome! Thanks for the awesome content. Very insightful!
    6
  853. I don't know who you are or what your youtube channel is about but I thumbed your video up just for the fact that you're talking about this issue
    6
  854. Love this channel
    6
  855. NOOOOOOO BLACKROCK OWNS THE WORLD AND ESG SCORES ARE CRIMINAL THE ANSWER CAN’T POSSIBLY BE SO SIMPLE AND BORING. Thanks for this video, Richard. The amount of videos that fear monger about this subject is infuriating because it only takes a little research to realise how misinformed they are.
    6
  856. Sedar website is from the Stone Age LOL
    6
  857. Reviewbrah's got some major competition
    6
  858. This came at a great time! I've actually been thinking about this today. One thing I may add, is in regards to the Interest Rates. They surely have been raising lately, however, the current FED stance has been in neutral, some speculate that this means the Fed will start slashing interest rates. What frightens me most is that the Fed had a clear interest rate path as of August, before the correction, and as of now, they are unsure.
    6
  859. The issue is as per the definition it leaves room for subjectivity, "Firm evidence"... It's anyones guess what exactly that means.
    6
  860. You made great quality videos so you deserve it
    6
  861. Great video! Would love to see a video on vulture funds.
    6
  862. New plan for the next recession: head down to the Winchester!
    6
  863. This channel is absolutely brilliant! I love your enthusiasm you deserve more subscribers! I’m one more added :)
    6
  864. This channel will have 1M subs in less than a year seens many times on such high quality videos
    6
  865. Dear The Plain Bagel could you please gray a bit your background or something it is way too bright in large monitor. Thank you!
    6
  866. The way that you make these videos is refreshing and calming, there is something just so right about them. I love the white background, i love the simple clothing, i love the simple editing. It is efficient and elegant. Thank you for this. This format of filming and editing is the most visually pleasing I have seen on YouTube.
    6
  867. Love the videos. You should have mentioned buybacks usually have positive tax effects as compared with dividends.
    6
  868. Congrats for the little one. Wish you a lifetime of happiness. Love, from India.
    6
  869. First Post >8)
    6
  870. Definitely interesting, didn't understood some words, but was interesting to watch non the less!
    6
  871. So good just need more videos from you 😃
    6
  872. Said it before but this is by far the best financial channel on YouTube, at least that I have come across. I would go so far to say right along side books like The Intelligent Investor this channel is a must watch resource for those interested in investing now.
    6
  873. I agree, i am saving 10% of my total income after taxes no matter what happens or what wishes i might have. I am happy with anything that is higher than 4% profit anyday. Investing is just like a savings Account for me, 3% is meh - 4% good and 5% i am happy. And investing wont replace ur work, if you are a average Joe inregards to ur capital. My believes, but hey I am young and might naive - but this way i am happy and stay sane.
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  874. You’re good man! More young people need to have financial education:)
    6
  875. Great video. I think it’s about time someone talked about this. I view investing as a way to make my money growing for the future but realistically I know I won’t get rich off of it. One more thing I view saving money and investing as intertwined. I can’t invest if I do t save my money.
    6
  876. I am in my teens and have already started some solid investments I'm in it for the long haul. :)
    6
  877. Another great video, well done!
    6
  878. Congrats! Keep up posting good content 💪
    6
  879. The content here is very insightful and helpful, and we love your work. 💡 No wonders why this channel keeps growing. Here's to many more who are still coming to subscribe and benefit from this channel 🥂 And here's to your support structure and team 🥂 Love and regards, from South Africa! 🤝
    6
  880. How did I love so long without a bagel mug? I'm purchasing mine today. Thanks for supporting such a worthy cause.
    6
  881. you should do cfa prep video. very good video
    6
  882. Wow, you are amazing! These concepts were so confusing to me after reading so many differerent pieces online. You made it all super clear here! Thank ou!
    6
  883. Very educational, even this video was a bit different than other videos I'm used to see from this channel. Thank You!
    6
  884. Awesome explanation Rich! I’d say as a rule of thumb to avoid IPOs... as tempting as they are... 😂
    6
  885. dude i just stumbled on your channel and im already loving it! keep the good content on 😉
    6
  886. Thank you for this video! It's really informative. I've got a feeling I'm going to be rewatching this one in the future before making major decisions.
    6
  887. Richard, I'm sorry but how do you expect me to respect your insight just because you're "rational" and you put in "academic research and empirical evidence" when you haven't even manifested $400,000? I would have been embarrassed as a father, a D&D player, a library book stealer... (I dosed off a bit during Grant's rant but I think that's what he said and I agree with him mate.)
    6
  888. Great video and really interesting case study. You should do more histories of significant companies -- Canadian or otherwise (American here). Also, consider commodities and currencies. A history of gold, oil, bitcoin, yen, yuan, and the formation of the euro would all be really interesting in your format. Really great job!!
    6
  889. This was a great video, Richard! Big fan of your channel man. I agree with you wholeheartedly. I also think its crucial to look at your asset allocation and truly determining if your risk level is accurate. If you are a newer investor, you really don't know how you'll react in a real dire situation. If your portfolio is 100% stocks maybe make sure you are ready for large potential drops soon. But of course, stay the course!
    6
  890. I was confused for an hour about short long positions and the security ownership.. You cleared my doubts completely in this video. Very comprehensive video ! Way to go !!!!
    6
  891. Your videos are great and much appreciated!
    6
  892. Very concise and multi-perspective video. You rock! :) I really think you should work for PBS...I don't think they have the Stockmarket covered so far on their channels.
    6
  893. Great video! I hope, you're staying safe man!
    6
  894. Just discovered this channel.. I will surely going to watch any video made by you. Very useful content and explained easily. Great job!
    6
  895. I really do love how you cover both Canada and the US, keep it up man! lifetime supporter here.
    6
  896. Bermuda option: Am I a joke to you?
    6
  897. Amazing and professional format.
    6
  898. Yield spread is getting tight now, only 1.1% difference. With FED keep rising rate (0.25%) every 3 months, it will totally flat in 12 months. With investor start getting nervous because tariff, global economic slowdown, high debt, it will get inverted before 12 months. Sign of recession already started on October but I expect official recession start early next year, when 25% tariff kicks in against China.
    6
  899. You're awesome. Just saying
    6
  900. A very informative and well-crafted video! Very insightful and sincere advice given :) from Singapore
    6
  901. For your US viewers, Ally Bank offers a HYSA with a 2.10% APY, Barclays offers a HYSA with 2.20% APY, and PersonalCapital offers a HYSA with 2.30% APY as of 6/30/2019.
    6
  902. Hey Richard, your video was well done I could not have talked about investing better myself! There is a lot of fraud out there about investing and I think its another reason why people are resistant to invest.
    6
  903. Great stuff, rich....! 👌🏻
    6
  904. I’m a big fan of PEG price to earnings growth and the PS ratio for growth stocks that are still in/near their infant stages. Good way to gauge relative valuation, top video mate!
    6
  905. Hey PB. Could you do a video on inflation? It gets mentioned very often in every economics discussion out there but I do not think I have a clear picture of how exactly it is caused. Why the increase in money supply CAN cause (undesired) inflation? How exactly does that work? And more specifically, I see a lot of speculation about the recent US Fed actions causing the devaluation of the US Dollar, but is that a reasonable assumption? Given that the USD is the reserve currency of the world and all debt in the US is denominated in this currency, so making more of it seems, on the surface, like a good idea for the US. Anyway, I am trying to get a grasp on this and if you find it interesting I would love to see some material about it. Thanks!
    5
  906. Squarespace sponsorship makes me laugh too. /s
    5
  907. Thanks for not being another "I know stocks! Follow me and get rich!" channel! If you are looking for collaborations, the one channel in German I could recommend to you, that has class is Finanzfluss.
    5
  908. I wish I had ur channel when I was in school lmao
    5
  909. Ad’s still rolling ... Hits ‘like’
    5
  910. Awesome Video! Love the content you were posting that was cautioning investors on the wild exuberance occurring in the markets during the pandemic.
    5
  911. Hey, thanks for the lessons. A lil suggestion though, perhaps you can slow down when you are talking. I came from Indonesia, and English is not my native language. I got some difficulties understanding the topic and translating what are you saying. Anyway, all and all, ur video presentation is staggering extraordinary ~
    5
  912. This is my first comment on YouTube. I don't really comment on YouTube videos. I just want to say thank you so much for your amazing videos. 😊
    5
  913. I want to be a trader for an institutional investor like hedge fund. Right now I'm a retail trader, while working towards my BS in Finance.
    5
  914. I'm currently studying to be a financial advisor and this video is sure informative for me!
    5
  915. Hi bro ! Just wanted to say i love all your videos and also I'm going to take the CFA level 1 exam in December 2020 and I'm thrilled about it! Can you upload another video on CFA🙏❤️! Kudos from India❤️.
    5
  916. Just a note for some people. The part for interest/principal is not true in Europe. Here in Bulgaria, for example, you can return all your principal after the first year, you need to pay only the standard bank fees for recalculating your Loan or closing it. :) p.s. Greetings from Bulgaria, love your channel.
    5
  917. Well Richard, it looks like you exorcised your own worries by going through the logical steps of the purchasing process...thanks for sharing your views! I bought my first home 3 years ago and it was a pretty straightforward experience: save, borrow, move in, renovate and save some more. I have drastically increased my home equity prospects by virtue of the local property market going -18% in the past year. Oh, and this is a house that will become an investment property in 2 years, with all the tax benefits that come associated with it. So, my biggest advice to people buying their "first home" is to consider it for what it is: a FIRST home. Many more real estate purchases/transactions will follow. ;p Edit: I forgot to mention I live in Australia, which has an even bigger RE bubble than Canada. :)
    5
  918. Simple yet very informative! Thank you!
    5
  919. Great video and congrats on your new home.
    5
  920. Amazing work! I've recently been trying to expand my knowledge on personal finance and I just discovered your channel a few weeks ago. It's been really helpful so thank you! Can't wait to see more!
    5
  921. Thanks!
    5
  922. Could actually be a really great series. But instead, it's a collaborative series where you collaborate with other finance/business based channels... I'd watch it.
    5
  923. Great video! And very informative channel
    5
  924. Best Video Ever ! Now because of It I know the “secret formula” of a good stock/dividend/bond/etc. market !! I cannot thank you enough Plain Bagel. Keep up with your amazing hard work.
    5
  925. I really like that you use Canada in a lot of examples and topics. I read things like the intelligent investor (Ben Graham) and similar materials and they're always talking about things from an american perspective. Most of it transfers over but there are a few details every once in a while that makes things different for us Canadians. The problem is that as someone who is only about a year into their financial literacy journey, I don't always know how to spot those details. Hey, maybe that could be a video idea. Just a 5 min video on some of the key things like terminology differences and the like
    5
  926. One of the best channels
    5
  927. Merry Chrysler!
    5
  928. this channel is so underrated
    5
  929. Holy!!! what a video!! the animations and information was paired so well. well done!
    5
  930. I like to put bacon on my plain bagel.
    5
  931. you have a great speaking voice. this video set a lot of facts straight for me; thank you
    5
  932. Congrats on 200k!!
    5
  933. Congrats!!!
    5
  934. So happy for you! ❤️ Welcome to the world Bagel Jr future CFA 😍
    5
  935. Hooray!! Huge congrats on your new investment! HNR looks incredibly promising. <3
    5
  936. I just came here to say that this video's thumbnail with you peeking out from a sea of bonds is hilarious. Thanks for the laugh
    5
  937. This would obviously lessen tensions around the world, it's like a puppy clip, who could get mad speaking about trading loonies??
    5
  938. Very educational channel thank you
    5
  939. This is the best investment video on YouTube.
    5
  940. Very surprised that your channel has only 30k subscribers. What you say is true for majority of investors and people always think that they can out perform the market. Keep up your good work and continue educating people!
    5
  941. Great vid. Plain and honest. 👍
    5
  942. 🔥🔥🔥 now this is real talk!!!
    5
  943. All your videos are perfect 👌 Especially this one This video that you called unorganized it was more enjoyable cuz you were talking kinda informal Thanks for sharing all this knowledge
    5
  944. I think that the most Important thing to do is to make sure that a good percentage of your income goes into your investments every month or year in a SIP manner
    5
  945. Great content ! I AM pleased that you tube showed me this channel. Great job, keep going!
    5
  946. wait, so is he polyphonic? I will create several conspiracy videos on this subject until the truth is EXPOSED!!!
    5
  947. First , Congrats
    5
  948. I love this channel. I remeber when it had less then 10k
    5
  949. But we'd have less parties
    5
  950. If you just want funny financial content Benjamin is really great too
    5
  951. We need Graham Stephan to comment here for the algorithm
    5
  952. Thanks for another really interesting video!
    5
  953. Great analysis richard! But I would like to add that tesla also has the best self driving car tech in the world. Which is a really valuable tech to have considering the future might be driverless. That proprietary tech might add to the valuation as well.
    5
  954.  @ThePlainBagel  Hi Richard, unfortunately word-of-mouth is very hit and miss -- you're more likely to get a salesperson who is "nice" (or worse, someone who pushes their clients to refer friends and family) than someone who is good, unless your friends and family happen to be good at picking advisors. This is a surprisingly hard problem with no easy answer! It takes lot of background learning to be able to figure out what questions to ask of potential advisors (and evaluate the answers), and there's no one-size-fits-all answer. There are a tonne of articles on 'how to find an advisor/planner', and many of them contradict each other in some way (esp. on the word of mouth point), and I haven't yet come up with a better algorithm.
    5
  955. “The only material harder than diamond are Richard’s jokes.” — Sir Issac Newton (probably)
    5
  956. You are one brilliant ginger, I must say! Kidding aside, thank you so much! That was a masterful explanation.Much appreciated!
    5
  957. Love the channel, keep up the good work!
    5
  958. Yours is one of the best channel with quality content and a non-aggressive and thoughtful delivery. You deserve so many more subs tbh, keep up the good work, we await your videos eagerly. Cheers from Pakistan.
    5
  959. Hi I am a CFA charterholder. My first tip is to plan your leaves and weekends. You need at least 14 days leave before exam. Also each level is different beast and passing one level doesnt mean success in other level. I agree that practising questions is a must and no level of study would make you retain the concepts without practicing questions.
    5
  960. what you are saying of how to study, actually worked for me in passing CPA and CMA exam, it is all about learning from your mistakes and  gaining the knowledge that give you confidence to enter the exams. if I have money left I will go for CFA
    5
  961. Awesome Channel, discovered it a few days ago. I'm 28 and neither my family education or school education ever taught us about how important it is to invest , and that we should do it as early as possible. As a consequence I had until recently no idea what my options were when i understood it was about time to get started. So i just wanted to say thank you
    5
  962. Amazing videos! Probably the best investment videos I've ever seen! Do you cover investment portfolios anywhere, e.g., a combination of bonds/stock/precious metals/cash, etc.? How would you create a balanced portfolio?
    5
  963. Thank you for these videos, its nice to have an ELI5 on these topics.
    5
  964. how is it this channel only has 11K subs????
    5
  965. Thank you for this video! It's very relevant to my interests and really well made!
    5
  966. Bro My dad worked for them too! I was a kid and loved this company my dad got a company car, they paid for our relocation to colorado and paid for the closing cost of the house. Then, the lay offs...oh the days!
    5
  967. Nortel!! Yes, a friends dad worked there for quite some time, got canned of course. Great story, thanks for sharing!
    5
  968. I had no idea about the history of Nortel. Thanks for the great explanation!
    5
  969. Thanks been interested in this for a while now
    5
  970. Entrepreneur here. I work 6 to 7 days a week for 10 to 12 hours a day. My day starts at 4 am, I have a midday break for the gym, and my day ends around 6 pm...unless I need to go until 8 pm. There is nothing passive about it. Do I make good money? Absolutely. But it comes at a price.
    5
  971. Thanks for another great video! It helped me feel a little better about this stressful time. Seems like the best strategy right now is to just wait for an upturn. Hold on to your investments and don't sell.
    5
  972. Great content here! I wouldn't be surprised if you hit 500k subs before the end of the year! Good stuff!
    5
  973. Best and most honest and informative investment channel ever <3
    5
  974. Great Video man! I made a video on this company as well. It’s awesome to see you making a video on this. Great job!
    5
  975. this has quickly become one of my favorite channels to watch.
    5
  976. Thank you so much for these videos. I am pretty economically illiterate and I actually understand what you are saying. Please make more videos. :-)
    5
  977. Had to plot the yield curve using FRED data for my Financial Economics class, this is an amazing explanation of what I learned!
    5
  978. great vid, thanks
    5
  979. Richard's showing some tough love in this video, 😁😁😁!!!
    5
  980. I think opportunity cost is better expressed like this: "If I get a tooth ache, I can get that taken care of for $1000 if I need it. If I don't have a tooth ache, I make $20 in interest. " The person with 1000 next year has to wait a year or borrow money to fix his tooth You not only have the money to invest, but have the option to consume the money early if the opportunity arises
    5
  981. Awesome job Richard! 👏🏼 Think it’s great that you’re putting in this kind of effort to educate and inform as many people as you have. Keep up the great work I hope you be become the next Casey Neistat of investing videos 😎 Cheers 🍻
    5
  982. Eq bank in Canada offers 2.3% savings account!
    5
  983. Loved the video especially loved the "fix" error part
    5
  984. Hey!! I just want to tell that you are suffering from survivorship bias when showing the S&P 500. You are looking to the most successful index of the world (a country that won WWII). If you look at PSI-20 (Portuguese Index), for instance, you see that there is not the "tendency to rise". I just want to let people know that despite S&P 500 having a wonderful chart, everyone should be cautious regarding the risks involved. Anyways, I love your videos, man! Keep up the excellent work!! P.S: Let me share with you a shocking story: I work in a Wealth Management Company as a Fund Analyst and no one there (Except me) invests... I think that is because the Portuguese investors are traumatised by the terrible performance of PSI-20!
    5
  985. Richard, you are ding an amazing educating people about investing in the stocks market, which is the only left good means to invest the hard earned money and savings for people. People are just scared by what they don't know and by what it is written, as an entertainment, in media. Very good job !
    5
  986. Recently discovered your channel and it's epic. You're going to be huge 👍
    5
  987. "The Flaming Bagel"💥💥💥......my favourite part of the video. Good work Richard. I really enjoy your videos.
    5
  988. Keep up the good work and content, I see 100k subscriber for you soon.
    5
  989. Thanks for making this video. I work doing oil hedging using futures on a daily basis so it's cool to see you guys cover what I do.
    5
  990. First time I listened to a vid on futures felt like I was watching a bit of Greek mixed with English. Wanted to cry. Let's see now. Just watched, hallelujah! I now understand futures! Thank you!!!!!!!!!!!!
    5
  991. Admit it, you had a LOT of fun making that darkseid bait face didn’t you 😂
    5
  992. Amazing explanation, I'm keeping your video in my finance lessons! By the way, there are many videos which deserves an explanation like Barbarians at the Gate, Wall Street, Wall Street 2, The Banker. If you have sometime I would love to see your comments on those ones! Cheers!
    4
  993. Nice video, Richard. Well balanced.
    4
  994. awesome! you are exceptionally good at explaining these terms !!!
    4
  995. If you want to be a paper hander watch YouTube for your stock picks.
    4
  996. Fair enough! Personally I use a combination of robo-advisors and a diversified pool of ETFs inside of RH for my medium-term investments. Thanks again for the great channel!
    4
  997. wow this is suddenly my favorite channel somehow <3
    4
  998. Hey Richard, 8:30 duplciates about a 7-second segment of the video
    4
  999. Thumbnail looks like you’re about to fk up a spreadsheet like no one’s business
    4
  1000. If its always the same username you can make a browser script to automatically report, block and delete the comments on your videos. Look up similar GreaseMonkey scripts for this that already exist
    4
  1001. Love the videos, Got a question. Q: Will you have my baby? or can you be my baby? Please pick one
    4
  1002. Not the bloody wolf mug.
    4
  1003. Good one man. Really interesting topic.
    4
  1004. This certainly will help me to choose which area i want to work
    4
  1005. Thank you for another good video! This channel is the Financial Guide book for entry level investors and finance enthusiasts! Keep up the good work.
    4
  1006. Hey Bagel, great work, I am completely new to the world of finance and investments and your videos are very useful as well as entertaining. I am sure that this is going to be one of the channels that I will not regret subscribing to. Just one question, how is it possible that the derivative market represents 10x the world economy and what does this mean if everyone tries to cash in all at once? Thank you in advance!
    4
  1007. I would argue that cryptocurrencies are a more (theoretically) revolutionary alternative asset than derivatives. Highly subjective of course. Great stuff; informative AND approachable, detailed without being pedantic. Keep up the great work.
    4
  1008. the reit knowledge is incredible valuable thanks for sharing !
    4
  1009. Lol loved the Intro and outro! Keep it up :)
    4
  1010. This was a really fun break down and easy to understand! When I learned about REITs it blew my mind, and now they give me the bulk of my portfolio.
    4
  1011. Love how everything is broken down so beautifully! Thankyou for such elaborate explanations!!
    4
  1012. You’re killing me, Richard! It’s been ages since your last serious video. Well played, good sir.
    4
  1013. Would like if you could suggest some good drinks that go well with bagels that you review as well :D
    4
  1014. Another great video Richard, so much information in less than 10 mins, awesome!!! The ECB has just announced that it won' t raise interest rates for at least another 12 months and it will keep on purchasing financial assets. Even in north America, historically, interest rates are extremely low. The big question is: if the patient is not sick, why does he need so much medicine????
    4
  1015. It’s bear bc it’s like the market is hibernating
    4
  1016. Your videos are great quality and it shows that you put plenty of time and effort creating each and every one. This channel deserves 10x as many subscribers. Keep up the good work!
    4
  1017. This deserves a tripple thumbs up!!! Thank you!
    4
  1018. Thank you for your work ! i learn so much with your videos ! Bravo ! You are the besst. Simple, clear and very useful !
    4
  1019. Governments left the chat
    4
  1020. This channel needs more subs!
    4
  1021. Thanks love these videos. they help alot
    4
  1022. Francis Helvetica here, happy to take questions.
    4
  1023. I just got a history lesson from a bagel so yeah thats my day
    4
  1024. Amazing Channel, this is so much better than watching TV or Films, will have to watch this a few times, a lot of information to take in
    4
  1025. Come on man, we both know we all came to this channel for the learning and stayed for the presenters sexy midriff. You can't change up the style and deprive us of that. No homo
    4
  1026. Your channel definitely deserves my subs!
    4
  1027. A new little bagel hole 😱 congratulations!!!
    4
  1028. Congratulations! Best wishes to you as a family. Thanks for the content you provide on this channel
    4
  1029. Bagel Bite, the best investment you have picked. their IPO will will Rival Apple market cap!
    4
  1030. Congratulations Richard!!
    4
  1031. I honestly really enjoy the blue/orange lights in the background 👍🏻
    4
  1032. Congratulations Mr Bagel!
    4
  1033. you didn’t tell me to stay safe out there! what am i supposed to do now?!
    4
  1034. OVER 36 NOW 😂😂😂😂😂😂😂😂😂😂😂
    4
  1035. Your cameraman is Polyphonic?! I’d recognize that voice anywhere. You guys have two amazing channels, love ‘em both!!
    4
  1036. I was wondering if you can do a video dedicated to central banks, here are few questions I have: -Is there a limit to the size of their balancesheet (cf BoJ) ? -What is the counterparts (liabilities) for all the assets they are buying? -Who owns them (in the US and other countries)? -Where goes the money they received via dividend or coupons? -Why are they buying stocks?
    4
  1037. An excellent video👍🏼👍🏼👍🏼
    4
  1038. You dont get charismatic people promoting how they lost money
    4
  1039. PERFECT! #1 I try to explain to friends that the first thing one must do is to know want you're spending your money on, aka "Where has has all your money gone?" and can you cut back back on any wasteful spending? PERFECT, PERFECT #3 Emergency Funds for any all emergencies instead of dumping all of your money into retirement. Rainy days do come and most jobs do come to an end. But what I tell friends is have about 3 months in checking and then invest; out of sight, usually means you will not spend it. Also kept track for sales of canned goods and other non-perishable goods [6 months]. #4 Check for fiduciary brokerage firms. Another 2 notes for #5, for Dollar Cost Averaging is to [possible] continue so as to increase your dividend return. As for selling off; what I do is watch my investment grow. Once it reaches a certain amount, I start removing an amount like cream from the top and reinvest, keeping some of the original investment. If I suspect a concern with the market, that reinvestment will most likely be bonds. THANK YOU for "The Plain Bagel".
    4
  1040. Very true. I do love your videos though learned a lot more already keep up the good work man!! Hope to have the knowledge you do asap!!
    4
  1041. The Plain Bagel Your account has been hacked. Someone is advertising in the comments section using your ID. Please look into this pronto. Thanks.
    4
  1042. Just found your channel from your video with coffeezilla, have to say, loving it so far. Any advice for a CFA 1 candidate?
    4
  1043. I found your channel today after being a Patrick B. follower for a year or so. And after watching a few of your fantastic videos, I thought how I need to find other similar channels. Strange coincidences like this are enough to make a day great. Thank you!
    4
  1044. Great video! I will definitely check out these channels at some point. I recommend you look into The Money Guy show. They are big into index investing and their content is very educational and entertaining. Their language also makes it easy to understand the concepts they go over. Cheers!
    4
  1045. Still the best Canadian finance Youtuber!
    4
  1046. I've only shared 2 youtube videos on my FB ever. This is the 2nd one. Thanks for making the funniest video I've seen in weeks if not months. DIVIDENDS!
    4
  1047. Wow you have a real talent for clear and concise explanations! Keep up the good work!
    4
  1048. You filmed this video super well man. Such an easy watch 👍🏻 hope to link up after COVID blows over... been too long!
    4
  1049. Thank you for this context. I've still been trying to wrap my head around Bitcoin even though I'm a computer scientist. I'm a pretty libertarian minded person (pretty big on free markets and pretty funny about regulation on businesses, centralized banking, the list goes on with us crazy libertarians) and can say I agree with a lot of the opinions (and see the merit in them if I don't) even if we may differ on our point of views, its silly to expect that any block chain based currency will be absolutely the one to go to or that it is guaranteed to be the future, speculation isn't a guaranteed investment. We also can already buy USD backed coin (USDC). I think we need to be wary of throwing everything into it. I personally don't invest in stocks or Bitcoin for anything more than just fun and just to diversify a bit on top of my 401k and ESPP with the company I work for . I'm definitely not an expert on investments and appreciate your view on this. Helps me not blindly follow the currency just because of my biases. Hindsight is 20/20.
    4
  1050. "Bitcoin is like airmiles" That throw away line is the best description of Bitcoin I've heard in 18 months
    4
  1051. you are so damn good I swear! Greetings from Singapore!
    4
  1052. Started to become more financially responsible, your channel helps my only 2 year college degree ass out in the stock market! Thank you for having fun informative and easy to listen to videos!
    4
  1053. You are always coming up with interesting ideas for your videos. Well done and keep up the great work :)
    4
  1054. You’re the best finance youtube channel
    4
  1055. Congrats of fatherhood good sir. That putting the baby down clip had my cracking up 😂
    4
  1056. Just found a couple of your videos today. Loved what I saw. Concise and easy to understand. Figured I'd come to the beginning and start binging/learning over the weekend. Thank you for these!
    4
  1057. Splendid as always! Love your vids!
    4
  1058. roll your sleeves down, this isn't a Q&A
    4
  1059. That was the cutest bomb ever.
    4
  1060. But Richard, you sound like Charlie Munger in a younger skin only talking about outdated fundamentals ;P You think this EV and crypto hyped market party is not going to last forever?! I've tripled my gains in the last 6 months of investing- I need no advice from a dinosaur who's only been investing the best part of his 97 year life ;)
    4
  1061. Well, however I'm still servicing the Nortel pabx . Long live Nortel.
    4
  1062. Good story, and that was a cool shoutout to your Dad! Would have made a great Father's day video. My dad also got me into stocks as he was an assistant manager at a Charles Schwab branch. Keep up the great work!
    4
  1063. As a person who gets most of his investing advice from Martin skrellis YouTube channel and r/wsb. I have to say this is really good.
    4
  1064. Great content. I am a new sub who thoroughly enjoyed your description of Nortel. Peace
    4
  1065. Thank you for explaining this for me
    4
  1066. Well done!
    4
  1067. You and Ben Felix are hands down the best channels on Youtube for finance.
    4
  1068. You are actually one of the very few Investment related channels on YT together with Ben Felix, that I really respect and listen to. Anyone who watches your videos can really tell that you really know what youre talking about. Nowadays so many new investment channels are popping out of nowhere, trying to grab a quick buck with the ad revenue, even when they dont want to admit it. Amidst those channels, you are truly a breath of fresh air.
    4
  1069. Great video, great format. Keep on
    4
  1070. You are giving out great information. sometimes information channels go way under rated. keep up the good work.
    4
  1071. Very well explained. Reading a lot of comments suggesting recession coming soon. Likely within 6 months. Hope for best but plan for the worst . Worst scenario will be if and when climatic changes cause havoc at same time as economic recession occurs .
    4
  1072. You look too young to be this smart. Subbed.
    4
  1073. Very good stuff. Just subscribed. Indices are taken for granted but they shouldn't. We are also exploring the topic on our channel
    4
  1074. Thank you for the advice, I agree with you!
    4
  1075. bro i've been watching you for 6 months now and I love your vids. Very helpful and I stopped treating robinhood as gambling. That being said, please look into the camera more, this video almost seems like you arent sure of yourself. Love your vids, keep it up man
    4
  1076. Thumbnail gets my like 👍
    4
  1077. Officially, you're one of my favorite Youtubers out here!
    4
  1078. All were clearly explained! A big thumb up! Subscribed!
    4
  1079. My first investment is all in Activision at 52$
    4
  1080. Just a little thank you comment for all the amazing work you do, your channel has truly been a help in explaining core concepts!
    4
  1081. Expertly explained. Subscribed.
    4
  1082. These videos need to be shown in public and private school systems everywhere.
    4
  1083. So good, easy for me to understand thanks.....also fun video to watch, thanks again
    4
  1084. Thanks. Amazing works with lots of research and details.
    4
  1085. Thank you Richard for all the time and effort in your research and frankly the COURAGE to make this video! 🙌 You might make a few enemies but it's an important message to put out there. This is why you have nothing but respect and trust from us here in Canada and around the world! 🇨🇦
    4
  1086. Great and informative video! This has taught me a lot. Thank you for the post, and keep up the great work!
    3
  1087. #NotALegalAdvice #NotALegalAdvisor
    3
  1088. You are one of my favourite channels! Thank you so much! Great Videos -- All of them!
    3
  1089. I accidentally got carried away and basically wrote a blog post, but fuck it. Here it is! <3 ------------- The worst part of these arguments is a lack of nuance. Hence the flame wars. The gulf between the two sides is not nearly as vast as it seems. Most people arguing about active/passive are failing to ask the first and most important question. What is the investor trying to accomplish? They are far too busy defending their fox hole, their profession, or their fears. Having an argument, without setting terms, is insane. But for some damned reason, in finance, it's not just normal, but widely accepted as rational. For the record, I am ardently a passive investor both personally and professionally. I am also an entrepreneur who typically has worked with entrepreneurs and young professionals in my practice. If the point of your market investments is to be a safe and secure nest egg which hedges against the cost of living, then the scope of the passive/active argument can be narrowed to find an actual answer. If the point of your market investments is to actively engage in a side hustle to enrich yourself faster than your peers, then the scope of the argument can also be narrowed to find an actual answer. We rarely, if ever, see agreement on the why, before arguing the how. We wouldn't, with any social decorum, berate a teacher or a janitor who enjoys a steady and safe career, to burn it all down, and start hustling real-estate, just for the money. They are an adult who has in all likelihood rationally decided to live the life they are leading (or at least deserves to be treated like that have). No more would you ask an entrepreneur who is pounding out 90 hour weeks, why they aren't using the 20 minutes of rest they have each day, to assess the entirety of the stock market and make detailed predictions on how to best spend their money. They are already doing that. For a living. In a different field. For 90 hours a week. Yet, the passive proponent is telling hobbyist traders to pack it up and buy an index, while the active proponent is telling busy people who just need to prepare for their future, they are doing it wrong. Any real solution to the passive/active argument is almost always situational. And yes, my personal and professional opinion is that for the vast majority of people, the answer is passive. Because they already have a job. That doesn't mean active is a fiction. It just means it's different. In my opinion, there is no point to the discussion without context. As there is no answer, without said context. No amount of data is going to give you a question. Data can only help answer one.
    3
  1090. 2nd
    3
  1091. I'm loving your videos (I'm probably going to binge through them tonight)!
    3
  1092. You are so underrated i really love your content and you inspire me a lot thanks for such content Grettings from Mexico, loved Canada
    3
  1093. honestly i love your channel name. subscribed
    3
  1094. Wow, this is exceptional teaching. I have watched many videos, leaving confused, but your explanation is top notch, i understand everything you explained now. Your amazing. Keep it up. Great Job!!!
    3
  1095. You’re just mad you didn’t get rich off Bitcoin like some of us! I got so rich I’m selling a course on how to get rich - please send me money and I can teach you the secrets that Richard doesn’t want you to know! Payment for my course is required in USD
    3
  1096. I can see your approach and I also have the same concern... I did hold a little Bitcoin, but I just use a very small portion of my investment money to buy it, so if I get lucky and earn something, good, but if they really lose all the value someday, I will still sleep well and the only thing gets hurt is my pride.
    3
  1097. More meme intros!
    3
  1098. (before watching) 😮 oh shit! That was my reaction when i first saw the news OK, my favorite analyst on YouTube, coffee & donut, talk to me
    3
  1099. I think it is illegal to upload a YouTube video about a failing bank without flames in the thumbnail
    3
  1100. Surely it’s a trebuchet. I don’t think you could get across the square from one bank to another with just a catapult.
    3
  1101. I really enjoy the quality and variety of educational videos on this channel. All I can say is keep it coming ! :)
    3
  1102. Great video! Finally someone who is not trying to earn clicks by claiming a dissaster and the next big short. It was very well explained but you missed a couple of things that I would like to add just because I spended tons of time reading papers from BIS and central banks and I think help to see the full picture. 1) Yes, a bank in Denmark offered negative mortgages, but accounting for the fees invoved with this, they would still earn a positive return out of the transaction and consumer would still pay more than what he borrowed. 2) Denmark, Switzerland and Sweden followed the Eurozone negative rate policy as a defensive move to keep their currencies cheap since exports account for around 50% of each economy, remember this economies enjoy free trade with the Eurozone but they have their own currencies. Plus Denmark's currency is pegged to the Euro.
    3
  1103. Very useful. Thank you!
    3
  1104. I love your intro to this one lol. The music really sells it
    3
  1105. Great stuff man. Damn good format
    3
  1106. can I get some butter with that?
    3
  1107.  @ThePlainBagel  Sure, I can't go through it all but QE was done differently in depending where you are. QE is just a catch all phrase for various unconventional monetary policy instruments; the Fed bought distressed corporate assets, the BoE bought government debt. There is an interesting paper 'Quantitative easing and other unconventional monetary policies: Bank of England conference summary' that you may find interesting. Also you seem to imply that banks are purely intermediaries, they're not; it is the banks that create most of the electronic money in the economy through the issuance of credit. Also QE is considered non-inflationary because it bypasses the real economy. If you have any questions let me know.
    3
  1108. Brilliant video - I learned something!
    3
  1109. Long $BAGL
    3
  1110. This was a really helpful channel. I came across it when I was researching index funds vs. mutual funds to learn on my own. These videos break down topics so it is more approachable for the layperson.
    3
  1111. your channel is super nice to see, like a finance/investing/economy education snack, really like it (I am Software Engineer, so even though the concepts are simple they are really cool to me). Although probably you are not missing ideas, would love to get some episodes about Modern Monetary Theory, Narrow Banking, Pensions, and differences between financial systems and monetary ones between countries
    3
  1112. "Until next time, don't do insider trading!" Okay okay, I'll abstain until your next video.
    3
  1113. Great video! I'd really love to see a review on any robo trading app by you.
    3
  1114. I started out with Morningstar and Yahoo finance. Great sites! 👍
    3
  1115. Music not too loud, but louder would be bad
    3
  1116. Hahaha this is fantastic!
    3
  1117. Keep this channel alive! Your time is coming🔥
    3
  1118. This is really helpful for me. please keep us updated on financial events.
    3
  1119. Finally an easy to understand video of cash flow, much better explanation than other business channels.
    3
  1120. Awesome video per usual!
    3
  1121. One of the absolute best finance channels on YT well deserved!
    3
  1122. Good video!
    3
  1123. yey! greetings from greece!
    3
  1124. Subbed. This is a perfect video. The amount of factual information in 5 minutes is almost unbelievable. If only economics in School was this straight forward!
    3
  1125. Really great Video and Animation but you forgot some major points (it’s ok even I had to research 2 Years for those Informations) 1. The Conditions to join the Euro have no economical nor mathematical calculated backing, they were just randomly set. 2. Either way the EU Statistic department has already found out about the fake numbers before Greece has joined, but the Commission, Germany’s Chancellor Schröder and France’s Prime minister denied deeper investigations and wanted Greece to be part of the Euro. (Economically it was nothing wrong with it, in a Currency Union it doesn’t matter how high your debts are or how productive you are, you only have to follow the Euro Inflation Target of 2%) 3. Greek had to follow the Inflation Target of the Euro, how to do that? Increase Real wages in line with productivity plus inflation Target of 2%. A couple years before the Euro Greece has followed a 15% inflation but always had to devalue until they followed Germany’s 2% inflation target that was very stable for Germany. In fact Greece wasn’t alone to follow that inflation target, whole of Europe followed that target. Which then ended in the Euro. But then South Europe increased their wages to high with a 2,8% Inflation, while Germany had Deflation and slowed down their wage increase (which now dangers whole of Europe with Deflation) This made South Europe increasing their Trade deficits (wich are the largest chunk) as they were expensive and wage cuts are useless and dangerous(because of Deflation) as long as Germany blocks that way with its low wages. Only few countries (depending on the size of the economy) in a Currency Union can cut wages to “repair” their economy through exports, if all countries are doing it than it will cause Deflation. 4. the Greek People didn’t just revolted because Spending was cut, they revolted because those cuts destroyed the domestic market and created mass unemployment. Furthermore the 30% wage Cut wich No Country ever Before had done (even the US during the Depression had cut 28%) resulted in 30% less demand wich resulted in more Unemployed people. (This reality also contradicts with the Neoclassical idea that the labor-market functions as a normal market) This observation made the IMF change their former Neoclassical position wich caused the fighting in the troika, which you mentioned. See now it doesn’t look so one sided anymore.
    3
  1126. You are really talented at finance videos so I’d like to make a request. One of the biggest topics thrown around in investing or words is company fundamentals. Now this can be fairly specific and broad too. I want to ask if you couldn’t make a video on a step by step process of evaluating a companies fundamentals for investment opportunities. Keep up the great work!
    3
  1127. this video is so great, man
    3
  1128. Did I just see a "Shawn of the Dead" reference at 3:28? Awesome video, it gave me some facts that I'd missed from the whole crisis.
    3
  1129. U either die a hero or live long enough to be the villain. Oof
    3
  1130. Just minted my first BB
    3
  1131. This channel is going to blow up, I can tell!
    3
  1132. Congregation for the 200K love your videos!!!
    3
  1133. Thanks for protecting democracy brah.
    3
  1134. I like your content so much
    3
  1135. Congrats Richard! From one Sprott grad to another!
    3
  1136. Heartiest Congrats!!!! Wishing you all a happy and healthy life!!!
    3
  1137. Congrats Dude. Welcome to the club, I've been a member since 2007 :D, you won't regret this investment for sure ;)
    3
  1138. The pictures are much too cute this is market manipulation
    3
  1139. Aww loved this video. Keep making interesting, relevant, and educational content! And Congrats. ❤
    3
  1140. Congratulations on your new holdings. May it grow and never be shorted.
    3
  1141. Congrats! I really like what you do with the channel, it feels like a dose of reality in a sea of clickbait content. Easy to follow as well. Keep doing what you're doing!
    3
  1142. Congratulations!!!
    3
  1143. The dad joke. You are fitting in to the role perfectly
    3
  1144. Congratulations! Looking forward for the times to come, Personally, I'd like the return of the bite-sized 5 minutes video. Those are my favourites, I've watched them so many times I can literally recite them word by word from memory. They were my first exposure to your channel, so yeah, kind of special for me. But hey, you do you, just my 2 cents, but who knows maybe that cents would grow to $200 later
    3
  1145. Congratulations, may Henry have long and prosperous life
    3
  1146. Probably the best investment one could make. The ROI on that asset class have historically been outstanding. Congrats!
    3
  1147. Congratulations ! You don't even look tired, I hope it stays that way 😃
    3
  1148. Congrats on the mini bagel <3
    3
  1149. Huge congrats on your first Bagel Baby, thanks as always for the great content
    3
  1150. Man- I need to sub. I happen across your channel randomly in my feed every few weeks and always walk away impressed.
    3
  1151. RIP Noah 😔
    3
  1152. Thanks for putting out the new video! It's always interesting.
    3
  1153. You are great. You can explain plainly very diifficult subjects and make them accessisble to everybody. This was actually very hard to understand, but you made it accessible. It is one of your best videos. Keep on with the good work and congrats.
    3
  1154. Beautiful
    3
  1155. Hi Richard! Great video and thanks for the shout out!
    3
  1156. Your channel is awesome, please keep up the work!
    3
  1157. The most underrated investing channel on Youtube!
    3
  1158. What I understand from this video: Stock Investments are a good way to make decent amount of money if you really know what you are doing (picking right investments, waiting long term). Do not expect to become obscenely rich within short time (as touted by some courses).
    3
  1159. Genuinely you are my favorite YouTuber. You break things down into human terms and have such authenticity. Thank you for everything and please do not stop
    3
  1160. Just have patience and discipline.
    3
  1161. It's so nice to see someone being so rational and down to earth on youtube. Thanks for the video!
    3
  1162. Great video. This type of content is exactly what is needed throughout media. Honest and true, no bs. Real life vs selling hope and dreams
    3
  1163. I subscribed because of this video. Great content! Keep it up!
    3
  1164. Intelligent and honest advice to beginners whose looking to invest intelligently.
    3
  1165. As always, thank you for the amazing video :)
    3
  1166. You got my sub! Thanks for keeping it real.
    3
  1167. well said, could not have said it better myself. Thank you for making this video!
    3
  1168. Great information.
    3
  1169. This was SUPER GOOD!
    3
  1170. Very well made videos, this channel should take off
    3
  1171. Interesting! Love the serie
    3
  1172. Congrats!! Great to see you back!
    3
  1173. Congratulations Richard! So awesome to see you hit this milestone. Well deserved mate! Can't wait to get a T-shirt :D
    3
  1174. Congrats, well deserved! Honestly the best educational investing channel on YouTube. Really glad I found this channel.
    3
  1175. Congratulations on such a great milestone. I only have 167 subscribers and can't even imagine getting to 100K. GD
    3
  1176. Congrats! Thank you for making these videos. I have learned so much from you.
    3
  1177. You help a lot pal, we love your work, you'll gain a lot of respect and keep it up the good work
    3
  1178. I’ve learned so much from your channel. Congrats!
    3
  1179. Congrats. We all look forward to continue seeing your channel grow!
    3
  1180. awesome !!!! Congrats bro !!! Keep on with the good work ✌️
    3
  1181. Your freaking awesome dude!! 👍🏽🤜🏽 thanks for all the value you provide for us.
    3
  1182. How funny, I was planning on making a top 3 video with you on it!
    3
  1183. Blackrock controls the world, that’s why their market cap is 15% of Apple’s.
    3
  1184. Richard, I really appreciate how you are distilling complex information into sizeable pieces that we can understand. Your humour is dry, which, as a Canadian, I can appreciate. And I don't see a ton of political bias in your reporting on these issues, which is refreshing. Thank you!
    3
  1185. 2012 mazda 3 club! Bought mine in 2013 after it had 3k miles on it and returned off a lease. No major mechanical issues at any point and over 100k miles to date now. Zoom zoom!
    3
  1186. Big shoutout to my fellow Ottawa Kettleman's Bagels <3
    3
  1187. Literally laughing out loud the whole video. Discovered your channel today and I love it. I learnt about 3 complex investing topics that I was confused about for quite some time now. But again this video is amazing. Make more of these along with the educational ones. So glad I found this channel :)
    3
  1188. Your videos are Awesome! Keep up the good work. 👌🏼👏🏼
    3
  1189. Thank you so much for making this video
    3
  1190. This channel is so underrated. Great info!
    3
  1191. Thanks for being brave to speak your mind and make this video, this is why I follow your channel! I think as investors/traders we all have to keep an open mind and weigh the upsides and downsides before we make a calculated decision knowing we have done the math and understood what we are getting into, and I believe that's what you set out this channel for - to help people make the educated financial decisions 😄 So cheers, stay safe and continue making quality content like this alright! 👍
    3
  1192. Crypto is a misnomer. It’s true novelty is the blockchain. It should be called blockchain currency.
    3
  1193. Big fan of your content and how you approach these topics. I think you should make more videos where you share your opinion.
    3
  1194. It looks like your VBA script is updating the spreadsheet a lot. Pro tips: only access the spreadsheet to read data the minimum possible, and perform all your operations in memory (using your arrays of data in VBA instead of the underlying spreadsheet). Once all is done, write it once. Big performance boost! Try it yourself to compare: have a random column of a few hundred to thousands rows, do one macro that loop through that column reading from the spreadsheet every time, and an other that will first read the whole column, and then loop through it using the VBA array.
    3
  1195. Thank you for explaining these in an approachable way.
    3
  1196. Congrats from down unda!
    3
  1197. I’m so glad I found this channel it’s a GOLD MINE 😆
    3
  1198. Disappointment when you didn't introduce yourself as Richard Co-ho-ho-fin.
    3
  1199. Richard give me the power to pass my CFA L1 in May
    3
  1200. Yeah people are crazy with these NFTs... 50 GRAND FOR THE BAGELCOIN OR RICHARDCOIN!
    3
  1201. Wow this was a really informative video! Personally I have never looked into IPOs as I like to see a long history of financial data first. Even with that said though, this was a great video at explaining what you need to look for!
    3
  1202. Great channel. I'm enjoying your videos. I just subscribed!
    3
  1203. Great video, thanks for the information
    3
  1204. Great video even though I'm not interested in the subject much. But I still watch for the learning. :-)
    3
  1205. Great video
    3
  1206. Great series of videos! Well explained and easy to comprehend. Thanks for sharing your financial wisdom.
    3
  1207. So helpful! You deserve more views.
    3
  1208. Thanks for the great content and congrats on baby #2!
    3
  1209. No way is Richard stacking a penny less than $400k a year driving about in that Mazdaerati
    3
  1210. You sir just got yourself a subscriber
    3
  1211. Dude...how do you not have more than 100k subscribers yet....your content is awesome
    3
  1212. Very nice
    3
  1213. Great video! You have caught my interest.
    3
  1214. Working at the Hila Science Camp during all those tumultuous years, we of course got to know many, many Nortel people. We felt the loss with them. You did a really good job on this video, brought me to reminiscing over those times. Thanks!
    3
  1215. Damn that's interesting. My dad also worked for Nortel during those times, and since I was young I never really understood what was going on.
    3
  1216. Hey plain bagel!! Your videos are great, could you make an explainer video about how?why?the gold standard incident took place during the Nixon administration! That seems to be such a bold move but I don’t really see the significance of such a move, I’m sure there are others just like me who are confused as well.
    3
  1217. my dad worked as middle management for nortel, it definitely sucked when all this started happening, he went on to work at Shaw in the similar telecom branch to what he did at nortel, really sucked seeing first hand what this type of stuff does to people. he ended up with almost nothing compared to what the promised him. Great video, thanks for allowing me to understand what actually happened when i was a kid (was probably around 10-12 when i first heard anything from my parents)
    3
  1218. This video is next level. I actually remember that northern telecom logo from when I was a kid. Looking forward to more of these.
    3
  1219. Hey Richard, Thanks for the video. Only just started watching you very recentley. 2 things. 1. Your xbox has moved. This has me concerned. 2. I have noticed the market has taken quite the turn. I am a long term investor and was emotional when I saw my stocks bend backwards 20% wiping off the last 5 years of gains however I have decided that at times like these, if you can set your emotions aside and gather some money, by dollar cost averaging, you can pick up some good gains on the way down. If you sit on them for long enough and invest is quality stocks (not penny stocks), you can rebound quite well. Here is to anyone thinking of selling. Im going to be a little less pessimistic, and a little more optimistic and find the diamonds in the rough. Each to their own.
    3
  1220. Cool vid 👌
    3
  1221. I finally get it! 😍
    3
  1222. I swear you post these videos as I'm going through the CFA level 1 curriculum. Literally just went through this last night. Thank you for the amazing content as always, Richard!!
    3
  1223. One of the things I value the most about this channel is how eloquent and structured the speech is. Thanks for sharing this!
    3
  1224. First I like to thank you very much these videos are highly educational, second very simple to understand without any complicated high Ed . Thanks the the plain bagel group, you are changing my life
    3
  1225. Shared with my normies who wanted to know WTF is a plain bagel.
    3
  1226. LMAO yeah, but you yourself have repeatedly attempted to pump the Plain Bagel Bakery Co. stock.
    3
  1227. He does this in part time.
    3
  1228. one of the best youtube channels for financial education. Really underrated. Just one problem though: an Xbox over a ps4? Lol. :D Keep up the good work.
    3
  1229. This video didn't answer the most important question: why you look so much like Conan O'Brien?! Unsubscribed!
    3
  1230. Gonna grab some Tim's and settle in for this one
    3
  1231. Made a Skillshare account using your link! Awesome videos. Knew nothing about investing and came to your channel first to learn and boy did I learn. Thanks The Plain Bagel!
    3
  1232. Fantastic video, Richard!
    3
  1233. When you’re working on finishing your Masterworks video for next week and you find out Mr Bagel covered it 2 days ago 😞
    3
  1234. great video! this channel deserves more subs!
    3
  1235. Perfect explanation
    3
  1236. The gesturing Canuck... well done.
    3
  1237. Great job.
    3
  1238. Thanks Richard for the insightful videos on investing. It's super helpful especially to us millennials. I certainly appreciate it a lot! :)
    3
  1239. nice video. Been telling people this for years.
    3
  1240. Good points! Thanks for the video
    3
  1241. This was spot on!
    3
  1242. Where else would you get good animations and good content st the same time? You are awesome!
    3
  1243. P/FCF
    3
  1244. Very good and wellmade video! I'd love to see u do more about multiples
    3
  1245. Loved your videos! Very simple to understand and you provide different perspectives for a layman to understand the complicated Financial terminologies.
    3
  1246. Thanks for making this. Your videos are always so informative!
    3
  1247. Great video I really like how mitigated you are and the way you try to adopt multiple points of view, thank you so much!
    3
  1248. hey, thanks for your awesome videos. noone really explains those things as well as you do. one suggestion: it looks like you strangely avoid looking into the camera in this series and look down/to the side most of the time, which looks like avoiding eye contact with another person when you meet them, which is quite uncomfortable. i feel a similar stange lack of comfort while watching this. this is also not to criticze but just an advice since i do love your videos! keep it up!
    3
  1249. i never watch so many videos from a single channel. thank you mate!! now i am studying finance and your videos helps me a LOT!
    3
  1250. Who else agrees he NEEDS to start up his own bagel factory? 👇
    3
  1251. Best financial education channel! Keep up the great work!
    3
  1252. The resolution of this paradox that you've described in this video, reminds me of an idea in physics about electric charge in a conductive material. If you have a conductor, we assume that all the charges are arranged in their lowest possible energy state (a type of 'efficiency', you could say), because if they weren't, all the other charges would push/pull them into such a position. That is, for many applications, electrical forces act so quickly that you can assume they've already taken their course, and so the electric potential energy is minised. This could be seen a similar to how for a passive investor, you can assume that any market force has already acted, and so the error between the price and the value has been minimised.
    3
  1253. Love this! Most definitely active for me :) I've yet to find any reasonable evidence to the contrary. Great video guys!
    3
  1254. Hello from Brazil!! Big fan of yours
    2
  1255. I’m glad to see Mr. Fargo pop up in the clips. I’ve made literally fractions of billions from his Bagle Buddies Billionaires Buyers Club.
    2
  1256. dude you are phenomenal thank you for that also are blue chip stocks for small cap stocks
    2
  1257. Great videos!
    2
  1258. Christian Andrews No matter what strategy you choose (active or passive) dollar cost averaging can be employed and remains arguably the most tried and true principle when deploying your capital over time.
    2
  1259. This really is one of the most coherent, concise, complete channels on YouTube
    2
  1260. Your videos are very helpful and important also refreshing my information that I learned during College. Thank you
    2
  1261. I just managed to borrow 3k to pay for your course and now you tell us it was a joke. Disappointed.
    2
  1262. We all know all your money is on Bitcoin . Lol honest videos and honest opinions. Thank you
    2
  1263. Calling you out on your Bullsh*t, I can't even count how many times you hint at buying shares in Plain Bagel Co.
    2
  1264. I want to invest in your potato car company Bagel! Please when IPO?
    2
  1265. Awesome vid
    2
  1266. top quality vid, thoroughly earnt another sub :)
    2
  1267. Easy to follow, now buzz words or trying to convince. Just straight up informing. :)
    2
  1268. we need an episode about the inverted yield curves that happening right now and how the spreads did reach the zero level great channel ... keep up
    2
  1269.  @ThePlainBagel  you've made a....fool of....everyone!
    2
  1270. Retirement money is money you set aside for your golden yearsthat's money you will not touch until you reach a certain age now they're speculative money and that's money that if you lose it well all right you lose it but your retirement money is your nest egg the thing you fall back to when you're no longer working
    2
  1271. scam accounts: Yes I invest in Bitcoin.....
    2
  1272. Absolutely wonderful haha. Well done! :)
    2
  1273. Great video!
    2
  1274. Pleasant comment 🌹🌸💐🌺
    2
  1275. Step up your game YouTube!!! 🤬
    2
  1276. bopped and twisted!
    2
  1277. Plot twist, it's all the Everything Bagel's scheme to shut down this channel
    2
  1278. C’mon guys lets report the spam comment ! The bagel army shall prevail.
    2
  1279. Great video as always!
    2
  1280. Great video as always
    2
  1281. Nice one Plain Bagel .Keep making such good and informative stuff.
    2
  1282. Great video! Thanks
    2
  1283. Yes - maybe - it depends - says it all!
    2
  1284. ​ @ThePlainBagel  thank you for making your videos, the best investment channel I've seen so far. Would be nice if you could launch a video series about monetary policy and macroeconomics as a whole, just to understand how the system works
    2
  1285. Great video bro, answers a lot of questions I have been having
    2
  1286. Bitcoin fixes this
    2
  1287. awesome video!! keep it up!!
    2
  1288. Certified, not chartered
    2
  1289. Consumer staples sell-side analyst in The City- feel free to ask me any questions
    2
  1290. Hey Thanks Richard, For very interesting insight into the roles, responsibilities and expected pay scale of each fields. Looking forward to second part✌
    2
  1291. Best investment job: Be a YouTuber teaching others about finance 👍
    2
  1292. Useful overview, good job! You may add few words on the private banker role.
    2
  1293.  @ThePlainBagel  great video otherwise keep up the good work
    2
  1294. I couldm't find the link in the description to your $12,000 course...DISLIKE!!!
    2
  1295. Honestly, you guys always make the BEST content. Thank you! I wish you guys posted videos daily 😂
    2
  1296.  @androidboss559  it has to be Grant Cardone!!
    2
  1297. WOW!!!! I feel so joyful right now! I have just watched a great video today. It is one that explains the problems that YouTube has with Investment Scam Comments. THE PLAIN BAGEL is the best channel I have encountered about finance. I was lost before it, but now all my problems have been solved because thanks to it I've earned over 45780 seconds of content!!! Self-education pays a lot when you are going for the long term. I'm definitely subscribing and clicking the notification bell. Stay safe! Here is his contact info: YouTube: https://www.youtube.com/c/ThePlainBagel Patreon: https://www.patreon.com/ThePlainBagel
    2
  1298. Thanks for your videos man! I appreciate the straight forward and down-to-earth style.
    2
  1299. Just discovered your channel. Belated Happy birthday to your channel dude. Subbed
    2
  1300. Thanks love your vids keep it up!!!!!
    2
  1301. Also, holy moly, your illustrations are made in MS Word? I would have never guessed it, haha!!
    2
  1302. Thank you for doing these videos! They're both very interesting and extremely useful.
    2
  1303. I'm investing in the plain bagel. Also plenty of people don't know they are using X index fund.
    2
  1304. Thanks. Such an intelligent analysis. Do you think people are also mixing up Blackrock and Blackstone hahahaha....
    2
  1305. Thanks!
    2
  1306. Nice shirt :)
    2
  1307. Thanks for making awesome videos! They are very informative and easy to understand. I would love to see one about portfolio rebalancing.
    2
  1308. I stuggle to understand why u only have 37k followers... your vedios are great😑😑
    2
  1309. I love this. Also your actual work. You're good at what you do, whatever it is!
    2
  1310. Do it. DO IT! Awesome editing as well kudos to your editor.
    2
  1311. your videos should be played in every finance class.
    2
  1312. Great stuff mate! Really enjoy the detail you put into your videos. I'm looking forward to see your channel grow.
    2
  1313. Well done.  I only know two things: (1) stocks have been expensive by historic standards - not just CAPE, but the Buffet Indicator as well - for some time. (2) We are in uncharted waters given the Fed's decision to keep interest rates at zero for so long and its infusion of liquidity (i.e. cash) into the system, quantitative easing.  I think the trend will be downward, but who knows? If you need your money soon, I would stay conservatively invested.  If you don't need it for at least five years, I would stay in stocks.
    2
  1314. Very well said, nice video man!
    2
  1315. Every GOP president has had a recession since, yes, Teddy Roosevelt. It's coming, it may not last long but everything is falling into place. Solid info from a millenial stock channel?! Well done!
    2
  1316. I think every investor should watch your videos. Regardless of how anyone invests, you have an import low risk perspective that everyone should appreciate and consider.
    2
  1317. you are pretty great tbh, You make learning simple. I will definitely share this with my friends.
    2
  1318. I just binged a bunch of your videos in a viewing session. Hopefully, youtube will see this and bring the odds in your favour!
    2
  1319. Good stuff. Liked, subscribed, and on notifications
    2
  1320. Wow man what a great video. I agree, I put most my emphasis on a company's cash flow statement.
    2
  1321. Simple, lucid and clearly presented. Liked :)
    2
  1322. first vid i've seen by you, definitely going to check out some more, thanks for the informative content
    2
  1323. Ya know, I do like what your doing here. I think I will take that up sell and subscribe.
    2
  1324. Thanks. Keep making informative vlogs. 😊
    2
  1325. Thanks for the explaination.. Very usefull !!!
    2
  1326. Great explanation!
    2
  1327. Opa, needs more subs
    2
  1328. You are like the oversimplified of the economics. I like that. Cheers from Spain. You've got a new subscriber 👍👋
    2
  1329. Awesome video man, and great job on graphics and story telling!
    2
  1330. Thanks for sharing this! 👍
    2
  1331. wow this was an incredible video, great job making finance interesting and engaging
    2
  1332. Here have my sub.
    2
  1333. This is a fantastic video, well done
    2
  1334. No I don’t want to go The Winchester!!
    2
  1335. Excellent, quirky video. Those touches to audio and animation slayed. Subbed and thanks.
    2
  1336. Please do more of these. P.s. loving the playful editing. :)
    2
  1337. Great video thanks. Sub gained!
    2
  1338.  @ThePlainBagel  bravo dude.
    2
  1339. Oh wow the production quality You just gained a new patreon!
    2
  1340. I just discovered your channel and im loving it
    2
  1341. 1:37 Why doesn't the gravy train have biscuit wheels?!? ;)
    2
  1342. I love this video it’s fascinating
    2
  1343. Great new editing to the video, looking sharp 👌🏻 I love your channel and videos, please keep it up 😁
    2
  1344. Congrats on 200k subs!!!
    2
  1345. 😂 Never leave a real job, for a side hustle. Youtube can decide to pay less for creators. Also, it's probably more enjoyable than doing YouTube full time. Appreciate the content though!
    2
  1346. Very long time viewer and fellow Canadian here (although I slightly prefer referring to myself as Québecois ;) ). When I started watching, your latest videos were on topics such as interest rates and yield curves so about 6 years ago. I enjoy the current format and the frequency of video. I went back to look at my historic of watched videos on your channel and I have watched about 75% of them which surprised me. The vast majority are watched until the end which is another positive sign for this format. One thing I would enjoy to see more often but that might not be as popular with the algorithm are the "class" type videos about a specific concept such as SPACs, HFTs, etc. Similar to those first videos I watched. For example I have also been watching Patrick Boyle since around the same time as I started watching your channel, and while I still enjoy many of his videos, I have watched less than 50% of his latest videos (Hope he doesn't see that, very afraid of being the target of his vicious deadpan jokes). I believe this is due to the higher frequency of videos as well as a shift in the type of content focused more on entertainment at the expense of informative content - not to diminish his work in any way, he is very good at it and having been a teacher it might be a breath of fresh air to do something different that still makes use of his knowledge. I commented because you asked for opinions and it seems sincere, not the usual "like, comment and subcribe for the algorithm". I say keep up the great content for as long as you enjoy it as a hobby. Having a full time job and being a parent is almost like having two jobs, in your position I wouldn't want a third one.
    2
  1347. ​ @ThePlainBagel  Thanks for the reply! It's wild how small Ottawa can be sometimes, from LinkedIn it looks like you actually have worked with people I know. For a famously "boring" city, this place sure produces a surprising number of big creative names.
    2
  1348. Thanks!
    2
  1349.  @ThePlainBagel  no worries! I realize you probably have been working on this video for awhile so the news of that may have happened after you finished! Regardless, great and educational video as always :)
    2
  1350. @The Plain Bagel When you see a "ZH" in a Chinese name it makes a "J" sound. Like if you see two "LL"s in Spanish it makes a "Y" sound.
    2
  1351. good explain
    2
  1352. WE LIKE THE HENRY
    2
  1353. Introduce Mrs Bagel too :D...congrats
    2
  1354. Fantastic news...congrats from Dallas, TX!
    2
  1355. Congratulations to you both!
    2
  1356. on behalf of the dad club, welcome. now you can suffer with the rest of us
    2
  1357. BAGEL TO THE MOOONNN 🚀🚀🚀🚀🚀😏😏😏😏
    2
  1358. Baby bagel for ceo of plain bagel Inc. Congratulations
    2
  1359. Man, you should have way more followers than a quarter million! And congrats!!
    2
  1360. Congratulations Dude! I have been really enjoying your channel and content! I recently went back and watched your video on Short Selling great job! Personally I feel you can always redo old videos on investing concepts if you have new points to add. It is always good to review fundamentals!
    2
  1361. Best investment you could ever make! Congrats
    2
  1362. 30 people are still fuming from GameStop... congratulations Pop Bagel!
    2
  1363. Love to Henry from Nigeria!
    2
  1364. Congrats! Finally some good news 😁.
    2
  1365. Congrats dude!
    2
  1366. Congrats Richard - that's great news! all the best!
    2
  1367. Congratulations on the birth of your baby!
    2
  1368. Congratulations Mr Bagel :)
    2
  1369. Congrats sir 🙌🏻 best wishes from South Africa 🇿🇦🚀💙
    2
  1370. Awwwwww!!! So CUTE! Congrats Mr. Bagel! I am a fan and you have always been so smart. Thank you for everything and best of luck with the little guy! - Fans from California :)
    2
  1371. Your channel is amazing, please keep going! Congrats on the mini-bagel!
    2
  1372. Congrats man!! Keep up the good work! Cheers from Brazil!!
    2
  1373. He’s not a baby - Henry’s a tech company ☺️
    2
  1374. Congrats fella!
    2
  1375. Congratulations to you and your wife on the arrival of Bagel Boy Henry! What a cutie ❤️
    2
  1376. Henry Bagel ... Congrats
    2
  1377. Looking forward to what 2021 will bring! Maybe add a little plain cream cheese?! Can't get too crazy.. CONGRATS on the new kid!
    2
  1378. We were worried JP Morgan got to you while the video was down!
    2
  1379. Someone needs to stop renting that lambo to Richard
    2
  1380. Bagel booty will reach 100k, mark my words (please don’t)
    2
  1381. Lol, well done man!🤣
    2
  1382. Does diet pepsi count a free labour?
    2
  1383. Oh here we go again, Mr. Party Pooper comes in and stops us from losing our head over every little thing 🙄. Why don't you do something useful with your time instead, like exaggerating information to draw attention.
    2
  1384. Yes. New video
    2
  1385. Thanks for the great video! Very informative and well-explained as always. Could you also make some videos on the topic of "futures", in terms of what they are and how they work? I'm sure they would be greatly appreciated by myself and many others. :)
    2
  1386. Thumbnail needs more flames.🔥🔥🔥🔥🔥🔥
    2
  1387. Great vid man, keep it up!!
    2
  1388. I am 19 years old.I am doing computer science and am also interested in investing and trading so i have been taking a lot of courses on financial markets. But this video actually mademe realize where i was wrong and made me think in the right direction. Cheers mate.
    2
  1389. Great video man! Thanks for keeping it 100. I always watch out for people who talk fast or are way too enthusiastic. I hope your channel keeps growing and you have huge success. Cant wait for the next one! Subscribed.
    2
  1390. Your contents and honesty are amazing! I just subscribed to ur channel
    2
  1391. Well, someone had the courage to give sound investing advice. As in long distance running, you only need to focus on your goals. BTW, came here from Ben Felix's channel Common Sense Investing.
    2
  1392. Thank you for this good dose of reality. Keep saving, keep investing, and enjoy life. Hello up the great work!
    2
  1393. No, investing won't make you rich, but it will let you retire comfortably at a reasonable age.
    2
  1394. I have been watching your videos for a few weeks now. I already feel as if you as helped me in the way I budget my income. Thank you.
    2
  1395. great content dude !! keep it up !
    2
  1396. Well said. Thanks for the real straight talk. I've seen people get sucked into these type of schemes. Compound interest over time with a long 25 year savings plan is the best way to gain wealth. But it means that you have to sacrifice now for a prize later on. Hard to do in the modern economy. Thanks for the real straight talk.
    2
  1397. i admire your honesty! you earned my respect.
    2
  1398. This was an excellent video, you have a good (honest) energy about you, and a good (less shouty "try to sell you something) manner about you. I just think your words are believable because you are clearly not selling something over youtube, just being honest. So it's in your voice, your body language, and your mannerisms. Thanks for being straight up about something. What a refreshing change to see
    2
  1399. This is my first ever youtube comment but i thought i needed to say something. This video is amazingly important and amazingly rare to see. Thanks man, just dicovered your videos a few weeks ago and i love them. You always feel more real and honest and genuinely interested in educating and improving peoples lives. Keep it up!
    2
  1400. time in the market > timing the market quality info, and good attitude man
    2
  1401. oh man ! that " am near akea forniture trying to tell you how to invest " made me become a petreon supporter , Thanks for you video mate , they're very helpful for a new entry person .
    2
  1402. I come to your videos to revise concepts taught to me during my under-grad. Keep it up!
    2
  1403. Guarantee 20% return. Worth only millions? The legendary Warren Buffet has averaged 21% return in 50+ years. Hedge fund with billions and tens of billions under management does not get 20% return. If someone can guarantee 20% return, it's worth at least tens of billions.
    2
  1404. Great analysis. Cheers, buddy
    2
  1405. Saw you in my feed was like man I should subscribe. Looked down already was love the videos man
    2
  1406. Its refreshing to see an honest video to help people adjust their expectations of investment realities.. very well done mate.
    2
  1407. I really liked this honest video! Keep on being you and being transparent... we appreciate it!
    2
  1408. I just found your channel and I’ve been binge watching. Love it man!
    2
  1409. I admire your videos man, always thought of you as the guy explaining things which is great. It is also good to hear some personal thoughts from you like this video every now and then. But certainly would appreciate the big chunk of your content to remain as your usual visual informative videos. Thanks a lot for your efforts, you're a reasonable guy and I like to hear from you.
    2
  1410. Excellent video against crooks.
    2
  1411. Great video, I finally understand calls and puts
    2
  1412. Thanks so much for making this. Keep up the great work.
    2
  1413. You sir, are a brilliant financial translator. But don't let this comment pump your ego 😉
    2
  1414. You are so underrated omg.
    2
  1415. Thank you so much for taking the time to put together this video! I think I’ve found my new favorite channel. :)
    2
  1416. how about warrants?
    2
  1417. Thanks for the new video! I think this one will just be for educational purposes, though.
    2
  1418. Thank you for the info. this is a big help for me
    2
  1419. Congrats on the wedding Richard! Great video!
    2
  1420. Congrats brotha!
    2
  1421. Congratulations on getting married.
    2
  1422. Haha.. this was almost identical to my video yesterday.. Agreed with ALL your points!
    2
  1423. Good read!
    2
  1424. Fantastic chat!
    2
  1425. Big heart from India for Team plain bagel
    2
  1426. A video on options would be great!
    2
  1427.  @ThePlainBagel  Ah! I getcha!
    2
  1428.  @ThePlainBagel  He's awesome! You should interview him on a stream sometime!
    2
  1429. Looking at your picks it makes since that's what "you" choose to watch. I was really expecting to hear the Financial Diet and 2 Cents to pop. I feel like you would recommend those channels but it's just not something you feel the need to watch on a regular basis.
    2
  1430.  @ThePlainBagel  I used to underwrite family offices so hopefully this helps. If Archegoes was a multi-family office, then it would have been more akin to a traditional wealth manager. I believe it's more likely that it was a single-family office, in which case they would have likely multiple GP/LP arrangements in play, with the LP's being family members within one or a few select families. Usually they're conservatively managed, but this may have been the case of a rogue CIO driven by a demanding patriarch.
    2
  1431. I'm disappointed Richard. Why have you let the "objective facts" and telling a "real but still important" story get in the way of a telling an even more sensational story with names people already know and hate?? (/s just in case)
    2
  1432. that was a seriously beautiful bagel painting.
    2
  1433. Yo that mug idea was a fantastic idea
    2
  1434. Dear The Plain Bagel the new background is great!
    2
  1435. So your the one Vick gave my bagels to!!!! Normally you should see steve jobs with that batch of bagels. And tell vicks uncle to quit stealing my socks. Lmao. Great video, loved it
    2
  1436. Another great video. And I can understand it. :-)
    2
  1437. I got so used to the way you make it all so easy to understand and entertaining that I find hard to watch any videos from any other creator. Keep the amazing work :D
    2
  1438. lemons? this used to be a bagel channel 😡
    2
  1439. Thanks to you, I understand better how companies work. Keep it up the awesome work.
    2
  1440. Keep those videos coming at regular basis. Very informative and fluid explanation. 👌👌👌
    2
  1441. ​ @The Plain Bagel Thanks for your reply! As I said, I'm quite new to this so I had to look up some terminology and solved through the rest. While the P/E ratio can be interpreted as the number of years for a company to gain its market cap given constant earnings, it seems that the PEG ratio is the number of years (edit: 100x less than the number of years*) for the extra earnings gained over one year to reach the market cap. Is this correct? My thought process is as given: PEG = (price per share /earnings per share)/EPS growth (%) where EPS growth is the fraction of EPS gained over one year. = PPS*EPS growth (%) / EPS = PPS /EPS gained = market cap / new earnings If so, what do you mean by "expensive"? My interpretation leads me to believe that a PEG of above 1 is not that expensive, given that the P/E of apple is 32 and a PEG is dividing the P/E by the fraction of growth gained so that PEG is generally higher than P/E. Are you referring to the PEG's reflection of a stock price, rather than its value? edit: After looking at an example I realise my fault. The PEG value of 1 would be a PEG value of 100 by my logic as I took the percentage EPS growth mathematically as a fraction, not as an integer (I took 20% as 0.2 rather than 20 which PEG is actually calculated with). Thank you for your time. I'm definitely subscribing after this :)
    2
  1442. I can't say I agree with you sir, but I'd rather talk to you than Gordon Johnson any day of the week. In fact I do not wish to argue at all. I'd only say that in the year 2000 most people considered a cell phone a luxury item or a nice to have as a backup device. fast forward to 2010 the court of public opinion was "why don't you own a smart phone?" note that cell service was pre-4g at the time. That was the paradigm shift in communications - Today, I can't get a traditional "landline" in my house from the phone company - the new phone companies are the internet service providers. If there is such a paradigm shift (research global regulations regarding gas powered vehicles by 2030) in how transport of goods and people will be changing & Tesla happens to be on the front crest of that wave, I accept the risks and hopefully the rewards too. Please make a point to revisit your own arguments every 6 months and do a follow up video. With your clear desire to share sound financial advice & education with your audience, I'm sure you'd agree with my suggestion. Staying subscribed. and thanks for the content you create on this channel. I have benefited from it.
    2
  1443. How @#$! Dare You 😂
    2
  1444. I really like your channel because you show really interesting facts and you do it in a very clear way. Kudos! just one thing :) I don't understand why you need to do all the zoom-ins and zoom-outs.. its just a distraction and it makes the video seem childish and gimmicky :/ just my 2 cents! keep up the good work :) hope you get to retire young :)
    2
  1445. Subbed. I just binged on your videos. Very impressed
    2
  1446. I’m fan of your channel so don’t take this the wrong way. You’re position that Tesla is a car company is precisely why most of the analysts have been embarrassingly wrong about this stock. All of their projections on automotive sales have been baked in. If they meet those numbers the stock will trade sideways or trade down if that is all they do. People are invested in this company for FSD and future innovation (Battery advancements, solar, other modes of transportation.). Your contention that revenues are mostly car sales is looking at this company as what have you done. Stocks are about what will you be doing? People talk about moats. Elon Musk’s way of thinking is that moats are dumb. The only moat is innovation. This way of thinking is pretty much the summary of the difference of “what have you done” vs “what will you be doing.” What I mean is that a moat is all about what have you done? Innovation is all about what will you be doing. This is the type of leader of a company that I want to put my money in. Risky? Sure but I’ll take this any day over XOM or Ford. There is a tendency of people looking at a company as just continuing what they are doing. Same with Amazon. I always thought it was overvalued. Huge mistake. Analysts kept thinking they were a bookseller, then a retailer. However they continued to innovate (amazon web services anyone?). Analysts didn’t think they would branch out into something else. They think statically not dynamically. You can think like this for established non-tech companies but not new and growing tech based stocks.
    2
  1447. While I agree with all your points and also believe Tesla is currently quite expensive and high risk, I think you did leave out an important factor regarding self driving and the future of robo-taxies. It is certainly very speculative, but Tesla stands to create an entirely new industry around robo-taxies, revolutionize transportation, and make significant subscription revenue on top of their car sales. In fact when you consider Tesla to be a technology play in what is likely to be a rapidly changing industry it is quite likely robo-taxy subscriptions will eventually be the majority of their revenue as they start to reach car fleet saturation. This potential upside is not enough for me to buy Tesla right now as an investor, but I feel it should be factored in when discussing future growth and valuation.
    2
  1448. You nailed it. Bitcoin is a pyramid scam.
    2
  1449. Love your channel , wish I found it sooner !
    2
  1450. Thanks for sharing so much valuable information & advice, Richard!
    2
  1451. I'm not here to argue that one should invest in btc, I speculate on btc as a hobby, but honestly I have no clue what moves the price and do not have any illusion that I have any skill in predicting it :P It's an adventurous hobby :) With that said... Couldn't you argue that adoption (as in using btc as a currency) is increasing the intrinsic value of btc? The more people use a particular currency, the more it is actually a currency. What's the intrinsic value of money? Isn't that its usage? Sure, other factors may indirectly influence that (e.g. governments banning something as a currency or the fact that a euro/yen/dollar is backed by a military/sovereign state(s)), but overall isn't usage the intrinsic value (or something close to that)? If you say that btc has no intrinsic value, then normal money also has no intrinsic value. This is evidenced by inflation. If money would have intrinsic value, then as I understand it inflation wouldn't exist. Anyways, some thoughts that I have. I'm not married to this opinion, nor do I have a strong confidence in it, as I haven't researched this area as much as I'd need to. But for now this is how I look at things.
    2
  1452. You are the best!!! I just found your YouTube channel and I love it
    2
  1453. hey man, love your work. keep up the great work
    2
  1454. Good video. Frankly governments will never let bitcoin become a currency without regulation. It IS the tulip craze. People do not study history.
    2
  1455. i love this guy
    2
  1456. Just found your channel, its hot
    2
  1457. Your channel was continually recommended while I was looking for best resources to learn finance and this is my first video! I'm a complete novice, so I look forward to learning a lot from your comprehensive overview. :)
    2
  1458. Even if it goes against everything you said during the video, you should sell your bagel as a NFT. I’m curious to see how much people would be willing to pay for it. You could donate the proceeds
    2
  1459. I’m having fun staying solvent.
    2
  1460. Awesome explanations, keep it up !!
    2
  1461. Not to be that guy, but first on a Plain Bagel video! :D
    2
  1462. Great explanation Mr.Bagel!
    2
  1463. He’s back!!! 💪🏼💪🏼💪🏼
    2
  1464. Thanks!
    2
  1465. keep at it
    2
  1466. thanks!
    2
  1467. Thanks for making these videos. They are very helpful and informative, while explaining the content in a simple manner!
    2
  1468. Subscribed
    2
  1469. Very valuable stuff! Thanks man
    2
  1470. Perfect video to link to people who are brand new to investing.
    2
  1471. Thanks for the info
    2
  1472. Keep up the good work! Can’t believe you don’t have more subscribers it’s really good content!
    2
  1473. I wanted to dislike it just to be the first to do it..lol but the quality was so good I couldn't.
    2
  1474. Great video. Thank you
    2
  1475. Make more videos that make me feel smart
    2
  1476.  @ThePlainBagel  Ah yes the more logical explanation. Thanks for another great video!
    2
  1477. I rarely comment on videos. Great video, learned a lot more than what I came looking for.
    2
  1478. thank you Bagel, very cool
    2
  1479. Liked and subbed. I like the way you explain things and the fact that you have Canadian content is a bonus since certain rules differ between the U.S. and Canada.
    2
  1480. Very informative... thanks.
    2
  1481. Well done.
    2
  1482. Richard coming in clutch again!
    2
  1483. Very well done video! I just started my channel on personal finance and I hope it's as successful as yours. Liked and subscribed!
    2
  1484. Great video and explaination.
    2
  1485. Great Vid Richard!
    2
  1486. Plain Bagel is no good for keto dieters but apparently it can give resounding financial education.
    2
  1487. Best video for stocks
    2
  1488. As someone preparing for the CFA charter / student of Finance, your videos are super helpful to see the concepts play out IRL! Thank you Bagel, super nice video!
    2
  1489. Thanks bud & your dad ... for the Nortel case study!
    2
  1490. Did I see a Super Smash Bros. reference? 😂
    2
  1491. Excellently presented material. Please keep it up!
    2
  1492. Man amazing story👌 and I've heard that you're dad worked for Nortel that's awesome✌
    2
  1493. Hey man. I guess you are from ottawa?
    2
  1494. You will soon hit a million mate
    2
  1495. I didn't even know Nortel was a Canadian company and I am Canadian.
    2
  1496. How dare you! My grandma's hotcakes are in HIGH DEMAND! Nothing sells faster - NOTHING!
    2
  1497. Big fan of you Richard, I seriously learn so much from your videos. Thanks for being a steady voice in all the noise time and time again
    2
  1498. Thanks for sharing. SUBSCRIBED ✅
    2
  1499. I highly recommend Dr. John Campbell's channel as well, he provides daily updates regarding the covid-19 situation around the world with level headed insights and without resorting to sensationalism.
    2
  1500. always love your video and well explained. well done!
    2
  1501. Favorite movie of all time
    2
  1502. Super cool!!
    2
  1503. Awesome video. Very well explained. Thank you
    2
  1504. Very good explanationa and tips! 👍
    2
  1505. I am now smarter.
    2
  1506. Next youtube video, "How to make money by having a job"
    2
  1507. can you jump cut more and yell louder to attract the people who need to see this
    2
  1508. Thanks!
    2
  1509. 0:03 Sir, I specifically come here for the frills.
    2
  1510. Long time lurker. This video has earned my sub.
    2
  1511. You would be more influential as One Donut Half Donut.
    2
  1512. Plain Bagel you are the best explaining the stock market
    2
  1513. Congrats on getting the sponsor!
    2
  1514. Huh....I learned something on that bond question.
    2
  1515. Great podcast, Richard!
    2
  1516. Commenting to improve YouTube algorithm
    2
  1517. Stopped at 0:45 just to tell you i fuckin' love your Vids. What a funny Video! And thanks for the other Video you did where you explainded share dilution. :)
    2
  1518. Me: Can I get Coffeezilla? Mum: We got Coffeezilla at home Coffeezilla at home: 1:22
    2
  1519. Great video as always, coffee would be proud :)
    2
  1520. Killer video
    2
  1521. Awesome video learned a lot
    2
  1522. my students enjoyed your video, with a smiley face
    2
  1523. Very interesting! Thanks!
    2
  1524. FDR's policies prolonged the Great Depression by 7 years.
    2
  1525. that's was great!
    2
  1526. Having read through a lot of online resources, this is probably one of the best and most accurate descriptions of the yield curve. Are the yields used to construct the yield curve on an annualized basis? Otherwise, it would be pointless to conduct any analysis on the yield curve. Keep up the good work!
    2
  1527. The one explanation I finally understand. Subscribed!
    2
  1528. Great video.
    2
  1529.  @ThePlainBagel  this actually helps a lot! Thanks so much richard. I really wasn't expecting a reply but I'm heartened to wake up to find this one. I really appreciate you taking the time to help me understand this
    2
  1530. I just discovered this channel and I'm learning so much even when I have been dealing with stock markets for the last few years. Hats off to you sir.
    2
  1531.  @ThePlainBagel  Very interesting, thanks for the insight and keep up the awesome work!!
    2
  1532. This is the best vid explaning the Y curve. Thank you so much!!
    2
  1533. Very informative and illustrative. Thanks for the explanation.
    2
  1534. Love your videos! Keep ‘em coming please😊 Maybe for a future Q&A could you discuss negative yield bonds? I don’t understand why they exist and why investors would buy them. Thanks!
    2
  1535. Great motivation video
    2
  1536. youtube refresh squad!
    2
  1537. Excellent video
    2
  1538. There are many good channels on yt, this is on a whole new level. Please keep doing what you do!
    2
  1539. hello everyone look at Motive financial for a savings account they have the best interest rate I could find (2.8%) just a tip
    2
  1540. Awesome video; I instantly understood the concept. Thank you
    2
  1541. Great video... Very clear explanation provided
    2
  1542. Excellent video, thank you!
    2
  1543. Thank you, has a good amount of detail while still being very understandable.
    2
  1544. Well done, subed
    2
  1545. Good explanation. Good illustration. Good man. Good bagel.
    2
  1546. I’ve said it once and I’ll say it again … love this thumbnail …❤😂
    2
  1547. Good coverage, congratulations on turning six!
    2
  1548. Thanks for the video! Top-quality content!!
    2
  1549. perfectly just what i needed thank you please make more
    2
  1550. Thank you, very informative video. Love your channel. Keep up the great work. 👏👍
    2
  1551. OUTSTANDING job loved this video.
    2
  1552. Just discovered your channel, very informative and clear. thank you very much!
    2
  1553. Another amazing, knowledge increasing video, thank you .
    2
  1554. keep it up, good shit!
    2
  1555. These are great!! Love the simple explanations
    2
  1556. Nice channel. I learned so much! Please keep up the good work!
    2
  1557. Thanks for the video.. Sometimes you explain fast and needed a replay :-) .. High quality content !!!
    2
  1558. You're hilarious! Epic channel! Keep calm and carry on!
    2
  1559. you're the first youtuber who i will turn on the notification bell for
    2
  1560. Thanks for the video, highly informative. Keep up the great work
    2
  1561. glad to see someone from ottawa with a nice youtube channel!!
    2
  1562. My two favorite financial YouTubers collaborating! Super cool. Great episode guys.
    2
  1563. Very good video with a lot of insights! It has to be taken into account though, that this is a relatively complex topic to understand for the average person. Nevertheless, awesome job you two! Keep the awesome videos coming :)
    2
  1564. Reminds me of InTheMoney's April 1st post from some time ago on the same topic, although his was from a far less analytical angle lol
    2
  1565. Finally someone said it.
    2
  1566. Ironically, the crash was actually coming... For the crypto products they were promoting 🚀
    2
  1567. All very fair points and a great video. To be honest, you almost HAVE to have click baity thumbnails to get views on your video unfortunately. Don’t blame youtubers, blame what the algorithm incentivizes ☺️
    2
  1568. I tried so hard and not a single thumbnail made it into the video. Must add more fire!
    2
  1569. Why use stock music when you can slap people with Vivaldi! 💥
    2
  1570. Thanks
    2
  1571. Thanks!
    2
  1572. This is cool. Spreadsheet Warrior!
    2
  1573. I lover you content man. Great job.
    1
  1574. Excellent video and very simple to understand. Love that Metalgearsolid alert sound effect
    1
  1575. subscribed!!!!
    1
  1576. Please make a video of the green lamps in the background. I am intrigued.
    1
  1577. I love it this is the type of content I want to make. HMU on twitter to collaborate. I have a wealth of knowledge at my disposal, and wouldn't mind talking more about where you think our channels could be headed. I am working on some crypto currency type topics to gain more credibility with my unique perspectives. BUT that is not what my channel is all about. Also we have very similar audiences and view counts so lets talk if you would like to. Peace.
    1
  1578. Very educational. Thank You.
    1
  1579. If you liked Thinking Fast .... Slow, you will love fooled by randomness by Nassim Nicholas Taleb
    1
  1580. I had an egg and sausage taco with cheese and spinach lol. Thanks for the video❤
    1
  1581. Just here to feed the algorithm... with data about my breakfast: toast with peanut butter. A bold choice.
    1
  1582. On a serious note, I’ve been following your channel for a couple years now and I just want to say thanks so much for all the work you put into your videos and for being one of the few finance Youtube channels that’s actually neutral and educational.
    1
  1583. Never seen your channel. But your intro was clutch 🤣🤣😂
    1
  1584. Just came across the channel Great video
    1
  1585. The truth is in the middle. I'm passive by nature but I know investors aren't rational. I invest in single companies, not major funds or indices. So I'll dip a toe in every industry based on current events. And I do prefer large cap companies who have been around a long time. They can handle shocks in the market better. I'm investing, not gambling. I think some people want to treat the market like a casino and we're at the roulette table. That's not me.
    1
  1586.  @ThePlainBagel you are correct, only IBKR PRO, but that is accessible to retail traders, no need to be a prime account or hedge fund or even SMA. They have access to about 7 dark pools and you can route all or some of your trades exclusively there instead of using their SMART order routing system.
    1
  1587. Ugh your videos are great
    1
  1588. 1:55 Of course, he’s not a multi millionaire, he’s a multi billionaire.
    1
  1589. I respect your stance and I think it's a good idea to NOT share your portfolio. Your videos are highly educational, and I appreciate them immensely.
    1
  1590.  @ThePlainBagel  it's weird that I'm relieved it was a scammer but I think you get why. I hope they don't irreparably damage what you're building so well. I really enjoy your channel. I've deleted my comment, out of fairness.
    1
  1591. $3000 to be a #BillionBuyer??? Dude you're giving away the farm
    1
  1592. Watching your videos for review for my actuary exam, Investments and Financial Markets. You’re the best channel I have found!
    1
  1593. Awesome guys, your videos keep on getting better......informative as always and now funny as well. Richard, I would really appreciate if you did a video on government debt, almost all the countries on earth keep on piling up more debt but that seems illogical to me. I mean, if a private household would do that they would go broke sooner or later........... and who are the creditors? there must be some really rich people out there!!!!!! Cheers from Europe
    1
  1594.  @ThePlainBagel  Yup, great video otherwise, just felt that portion was a bit misleading since CPI does have methods to account for preference changes and quality changes, they just aren't universal or perfect.
    1
  1595. BITCOIN TO OVER 100k USD BY THE END OF 2021 COME BACK TO YHIS COMMENT IN 1 YEAR
    1
  1596.  @ThePlainBagel  I'm sure you can still hang out. I'll talk to Bill. I'll tell him you're cool. Ixnay on the financxay though.
    1
  1597. I love the creativity, welcome back !
    1
  1598. Thanks!
    1
  1599. Imagine my disappointment at 2:10 when I found out that Richard didn't talk like the posh wine connoisseur for the entire video. This video was a real bait and switch, smh :(
    1
  1600. This channel lowers my anxiety.
    1
  1601. you deserve credit, your synopsis of the housing market and crisis and so on was brilliant and a way for me to find you, which I am grateful for!
    1
  1602. So where can I order a bottle of Tesla tears? It is for a friend...
    1
  1603. So much joy when you publish a video 😂😂
    1
  1604. Thanks! I got a treat for you!😆
    1
  1605. Sold my house and am investing my life savings in Bagelcoin before it hits 100k this year. 💪🙌
    1
  1606. Aboot! My favourite Canadian!
    1
  1607. Just found out my favourite finance YouTuber is also a fellow Canuck!
    1
  1608. Golden Palace egg rolls, yay or nay?
    1
  1609. I for one welcome our new Plain & Simple focused overlords
    1
  1610. Set your your camera to manual focus next time and focus on your face. Now it's focused on the neon sign behind you.
    1
  1611. Merci!
    1
  1612. New subscriber here...just wanted to say great videos! Love the presentation style and how you break things down in your explanation. Keep up the good work!
    1
  1613. Awesome explanation!
    1
  1614. Thank you Richard! Good video.
    1
  1615. Managing a money market fund would be the job for me. Just deposit cash in various national banks and buy CDs. (Yes I know most money market funds lend cash to companies for less than 90 days to cover short-term liquidity requirements, but my fund won't be doing this).
    1
  1616. Great content
    1
  1617.  @ThePlainBagel  Thanks for the information! :)
    1
  1618. I've subscribed :) I was looking for a video to concisely explain to my dummy brain. This answered many, if not all of my questions. Cheers!!
    1
  1619. Great video dude
    1
  1620. It's terrible rich... take care man!
    1
  1621. @The Plain Bagel goes dank. The Dank Bagel?
    1
  1622. Best finance YouTube channel hands down!
    1
  1623. Just search peter schiff on deflation there a few videos there people are like....... if inflation takes money out the pocket of the people deflation puts money back into the pocket of people but what about the rising value of loan and also talk about deflation in Japan and its effects and would business struggle in deflation?
    1
  1624. Small channels are nice <3
    1
  1625. Excellent work, now your up past 22,000 subscribers. I hope you get many more. I look forward to many more videos and success! Who knows, maybe you will start making some serious money for all the hard work.
    1
  1626. Happy (Youtube) Birthday.
    1
  1627. Congrats Richard! One of the better channels out there :)
    1
  1628. Keep up the great videos!
    1
  1629. this is a great channel.
    1
  1630. Investing and finance topics can seem intimidating or complicated to people, but you explain them in a clear and non-threatening way with easy to digest graphics. Thanks for all the hard work on this channel. It is an easy channel to recommend to people who want to understand finance topics.
    1
  1631. The down side of this channel is that i am now addicted to the plain bagel. Babatunde from a remote town in Lagos Nigeria
    1
  1632. congrats man!
    1
  1633. Finished 90% of your videoes in one afternoon. Thank you for your excellent work! Keep it up!
    1
  1634. Man your videos are fantastic and help me a lot in learning finance!!! Keep up the good work!
    1
  1635. Thank you for these videos! I find them very useful! (They're also super professional!) Keep up the awesome work!!
    1
  1636. Under rated this channel
    1
  1637. Keep up the good work! Found your channel as it was the only one that discussed options in a way that made sense! Much nicer than digging through investopedia articles with confusing wording and half the information I'm looking for!
    1
  1638. Happy anniversary!
    1
  1639. You are doing a great job. If possible could you make videos explaining how to understand Balance Sheet, Income Statement and Cash Flow Statements? Thanks for all your hardwork.
    1
  1640. Thanks
    1
  1641. Thanks!
    1
  1642. Thanks Richard. Solid & constructive information. Love the channel.
    1
  1643. Please cover how to get intrinsic value of company? Via DCF..i hope you can make video easy to understand thank you and your videos are awesome
    1
  1644. HI Richard, if possible, could you make a video explaining why in recession time, gorvernment buy back asset, you might have coverd that and sorry if is a stupid question or easy to understand and plus how to make the dollar or other currency get weaker and why they do that.
    1
  1645. Great videos, keep the good work, greetings from Chile!
    1
  1646. Kettlemans VS Tim Hortons!
    1
  1647. Lmfao!!!! Well done
    1
  1648. Bagel joints? why don't you expose those bagel cartels?
    1
  1649. Fantastic! Great April's fool video! :)
    1
  1650. Great Video!
    1
  1651. great breakdown. We can not time the market which is why we should be investing overall in multiple income producing assets not just stocks. another good video from you.
    1
  1652. Great video Rich!
    1
  1653. Great info!
    1
  1654. Great video
    1
  1655. Youtube is stepping up it's game as it recommended me this channel. Subbed! Also an important factor which I think can't be understated is- Retail Participation, more people than ever in history are investing in stock markets, sure corrections and eventually a bear market will throw some people out but more people will stay than leave and the valuations move higher.
    1
  1656. So diversify and hope
    1
  1657. At first I was unsure about the term technically but in context it was appropriate. Very well done!
    1
  1658. Good videos as always.
    1
  1659. Thanks!! Nocw I understood "Cape Ratio" means!! Have a great weekend!!
    1
  1660. Thanks for another great video!
    1
  1661. Awesome channel!! subscribed and hit the bell
    1
  1662. Love your content man ✊️🙏
    1
  1663. Love the simplicity
    1
  1664. A most excellent overview indeed! Thanks for Posting!
    1
  1665. your videos are amazing don't stop making them
    1
  1666. Phenomenal videos here
    1
  1667. Great explanation and useful sponsor. I will definitely check it out.
    1
  1668. This video made me subscribe
    1
  1669. Nice work 👌
    1
  1670. TIL plain bagels > sesame bagels..
    1
  1671.  @ThePlainBagel  thank you for fast response! I've been watching your job for a while. Thank you for all.
    1
  1672. Great video sir. I even downloaded it
    1
  1673. Thanks. This is helpful
    1
  1674. Thank you.
    1
  1675. Great video, highly informative
    1
  1676. Interesting video, thanks.
    1
  1677. Thanks!
    1
  1678. Thanks!
    1
  1679. Thanks!
    1
  1680. Thanks
    1
  1681. Awesome video! Well done. You got a new subscriber.
    1
  1682. One of the best channels on YouTube.....great content ....
    1
  1683. Absolutely more of those! More more!
    1
  1684. you need more subscribers. that was so good.
    1
  1685. Your videos just keep getting better! keep it up!
    1
  1686. Beautiful... subbed
    1
  1687. Great video
    1
  1688.  @ThePlainBagel  Yeah, I realize that. Watch it the next time(if there is even going to be the next one). The video is great, that I must say
    1
  1689. Please please pleaseeeee do more of these
    1
  1690. Great video. Thumbs up!
    1
  1691. I saw that Sean of the Dead!!!!!
    1
  1692. Thanks for the amazing video
    1
  1693. Honestly the best explanation I have seen so far on this topic. Thanks. :D
    1
  1694. brilliant videos....keep it up
    1
  1695. Great video! Thanks Richard!
    1
  1696. Super clean and polished look! Great job
    1
  1697. Why dont you have 100k?????
    1
  1698. You deserve way, way more views !
    1
  1699. Fucking love the Shawn of the Dead References
    1
  1700. Hahahaha this one is funny good work!!
    1
  1701. Loving your channel... really learning a lot from it. Thanks, and keep it up👍
    1
  1702. Subbee
    1
  1703. Nicely done!
    1
  1704. well done mr. bagel
    1
  1705. This was the best video I’ve ever seen
    1
  1706. Love your videos. Just a small comment: I know you’re trying to fit all the content in 5 minutes, but parts of your speech was not clear at all
    1
  1707. Really great video, keep up the good work!
    1
  1708. damn... such a dope video... subscribed
    1
  1709. I like the animation of this video + the speed its going at with the wit haha, great job
    1
  1710. This is an excellent video!
    1
  1711. great work 💪
    1
  1712. I always wanted to know about the Greek crisis. And I've gotta say, you explain it the best way. Do more videos like this!
    1
  1713. another great video, thank you!!!
    1
  1714. Wow! I love the fast explanation!! Keeps my attention. Please do more of these!
    1
  1715. Great video!
    1
  1716. It only took 11 years after the beginning of the debt crisis for someone to actually explain it in understandable terms. Your best video yet. Keep up the great work.
    1
  1717. Gotta say im impressed man. Well done 😁👍
    1
  1718. wow this is kinda nice, you sir, deserve more views as well as follows
    1
  1719. Nice video
    1
  1720. great videos man keep it up
    1
  1721. This video is great! Can’t find one like this anywhere else on YouTube! This channel is great too!
    1
  1722.  @ThePlainBagel  Sigh* You win this round Mr Bagel, you win this round :( (brilliant channel)
    1
  1723. This was a fantastically made video! Thanks so much for it :)
    1
  1724. This channel will explode. Great content!
    1
  1725. Loved the shaun of the dead reference
    1
  1726. Great video!!!!!
    1
  1727. Wonderful video though :)
    1
  1728. This was great! Please make more like this❤
    1
  1729. Subscribed, keep your hard work!
    1
  1730. Very informative thank you
    1
  1731. This is a great channel and it will grow
    1
  1732. love your presentation interesting, educational.
    1
  1733. one donut half donut finance
    1
  1734.  @ThePlainBagel  Kind of lol. But thank you very much for your time. Hope your channels blows up to millions of subscribers because you deserve it. Cheers
    1
  1735. Not only are the explanations clear with examples but the animations are on point. Extremely well made video!
    1
  1736. Great video as always!!
    1
  1737. Great Video and easy explanations for the everyday Joe. Thanks!
    1
  1738. Good work! Your presentation was solid ! Keep it up :)
    1
  1739.  @ThePlainBagel  It works in incognito mode.
    1
  1740. Thanks for the video!
    1
  1741. Excellent video Richard!
    1
  1742. Thank you for another very educational video!
    1
  1743. Awesome vid!
    1
  1744. Great videos! Thanks for everything you do
    1
  1745. Hey man love the channel keep up the awesome content!!!!!!
    1
  1746. Danke!
    1
  1747. Well done, Son!
    1
  1748. Two Good Canadians😇
    1
  1749. What an amazing milestone. Congratulations!
    1
  1750. Huge W great work!!
    1
  1751. Please stay legit and keep this channel As a hobby without money pressure!
    1
  1752. You just seem like a guy who is vibing. I am one of those people who are very skeptical on, well frankly capitalism, but here I am watching your content because you seem normal and passionate.
    1
  1753. Winner takes on Ben Felix for the Championship.
    1
  1754. Finance bros unite 🤝 I still work full-time in private equity while running the channel, and they've been supporting me in getting my CFA which has given me a ton of new knowledge I wouldn't have gained otherwise.
    1
  1755. My advice is to go for the eyes. Patrick doesn't stand a chance in the ring if he can't see!
    1
  1756. You got this all wrong man. Screw making good content or working for a good employer. 1) pump out as much content as you can 2) create a bullshit app and overcharge people for it 3) tell everyone you're not a fin-fluencer and your advice is legit legit legit 4) profit and retire in your mid 40s I knew one day you would need my advice. You're welcome.
    1
  1757. I’M STILL ALL IN ON BUTTS
    1
  1758. Maybe a good solution would be to not fully switch, but see if you can work less days to work more on youtube. I did like the animations and would love to see them back (although I still love the vids without them as well)
    1
  1759. But I watch your youtube full-time
    1
  1760. @ThePlainBagel  this is why you're the best <3 I can't believe you saw my comment LOL
    1
  1761. Congrats!! You should try to do a SPAC to take Baby Bagel into the public markets to meet other potential investors!! Do not do an IPO and pay heavy fees on intermediaries to go sell Baby Bagel to the world, that is what Papa Bagel is there for!!
    1
  1762. Congratulations!
    1
  1763. Congrats Richard. As someone who has a couple of similar investments just know that the emotional swings are like Bitcoin - going very high one day and falling another, but overall, the journey is great. At the end of the day you hold that little investment and realize it's worth more than million TSLA :)
    1
  1764. Congratz! Love me some Plain Bagel!
    1
  1765. That’s a liability not an investment! 😝 congrats. Thanks for the videos.
    1
  1766. Congratulations Sir!
    1
  1767. Are you happy now?! 🤔🤣 papa bagel 🥯 ! Congrats.
    1
  1768. Completely clickbaited me....well done... congratulations to the three of you.
    1
  1769. love it. please keep it up.😁
    1
  1770. Good job man, congratulations
    1
  1771. So when will you be rolling out mass production? What are the targets by 2025?
    1
  1772. Awesome! Congratulations to Mrs. Bagel and You!
    1
  1773. Congratulations!
    1
  1774. So how do I invest in Bagel Bite BB?
    1
  1775. Congratulations!!!! Just hold it snuggly and whatever happens, do not sell xD Just joking man, well done! Wishes for all the best
    1
  1776. Congratulations Poppa Bagel! one video I'd like to see would be "how to find an investment advisor/professional" Every finance youtuber will caveat their videos with "seek advice of a financial advisor" etc, it would be cool to know what the various accreditations mean and how to look for an advisor who will meet your needs. e.g. I googled Ben Felix and found my portfolio is nowhere near his minimum... cries inside
    1
  1777. Congrats!
    1
  1778. What a the baby's ticker bro I can't find it on webull nice looking small cap bud. Congrats!
    1
  1779. Congrats both!
    1
  1780. Congrats Rich! Also I don't buy merch but would definitely purchase a Plain Bagel sweater!
    1
  1781. Totally unexpected investment! Congrats!
    1
  1782. Congrats man! Good Investment 👍
    1
  1783. Heeeeeyyy!!! Congrats!
    1
  1784. Congratulations!
    1
  1785. Congratulations man!
    1
  1786. Congrats !!
    1
  1787. Congratulations on your little bagel bite
    1
  1788. Congratulations!!! Wish you only the best!
    1
  1789. Congratulations papa bagel!
    1
  1790. Henry, your new bagel bite looks so much like his Daddy! He's a very lucky baby! It might be awhile before we can come see him. Hoping he doesn’t experience the same ear issues as you as a wee bagel bite. Enjoy the cuddles!
    1
  1791. Congrats
    1
  1792. Congratulations 🎉👏
    1
  1793. First-time clickbait title! :P Congrats to Mr & Mrs. Bagel :D. The first lesson of Jr. Bagel - The power of compounding lol
    1
  1794. Congratulations to you both!
    1
  1795. Congratsss I love your channel so much and am really happy for you
    1
  1796. Congrats!!🥰
    1
  1797. Bagel manufacturing plant gotta keep churning bagels. Congrats👏
    1
  1798. Congratulations!!
    1
  1799. Thanks
    1
  1800. you didn't say subscribing wasn't investing advice. So... I expect nothing short of 50% returns by subscribing or I'm suing.
    1
  1801. Duly noted Richard. I won't be influenced by you anymore. LOL 😀
    1
  1802. I was hoping to see a cameo of the Mazdaratti
    1
  1803. Thanks!
    1
  1804. after this apology, I'm going to do some CHIN-UPS
    1
  1805. Coffeezilla 😂😂😂. Love it. Great apology. We support you. And the video at the end 😂😂😂
    1
  1806. you are my only Patreon subscriber @ThePlainBagel best decision I’ve made 😂🙌🙌 best financial content on YT
    1
  1807. Bros name is RICH huge RED FLAG if red flags were a GOOD THING which they ARE BAGEL BUTTS TO THE MOOOOOOOOOOOON
    1
  1808.  @ThePlainBagel  and thank you for suffering in the name of our entertainment. And the educational videos, of course. Big fan.
    1
  1809. I, for one, welcome our Canadian reserve currency overlords.
    1
  1810.  @ThePlainBagel  That’s the sign of an excellent troll comment. I’ll take this as a badge of honor 🫡
    1
  1811.  @ThePlainBagel  IV stands for Implied Volatility. My understanding is that it's a computed value stemming from the Black-Scholes equation for how to value an option. Option valuation involves controlling for various factors as extraneous to the bet because for every buyer there's a seller and presumably both are factoring in the effect of the known quantities. Once you control for the risk-free rate, time left to expiration, and the difference between the current stock price versus the option's strike price, (and a few other variables, like dividends) you must believe that the underlying is going to change how volatile it is before it makes sense to buy or sell an option. There are some who believe that one should sell options when the IV is quite a bit higher than the underlying's volatility has been historically (usually shortened to HV). They ascribe to the irrational investor hypothesis because the IV is usually higher than the HV. I suspect it's higher because the underlying experiences periodic shocks, so the higher IV represents a "smoothing out" of the values. In effect, nobody knows when a stock price is going to jump in price, and so they value buying options more than selling options just in case.
    1
  1812. no words can justify how much you have helped me. Thank You so much. I think i need to practice on excel to come up with the cash flow to get a better grasp.
    1
  1813. Thanks!
    1
  1814. Thanks!
    1
  1815. Thanks!
    1
  1816. Thanks!
    1
  1817. Great video thank you!
    1
  1818. I think rich is different things to different ppl. But will investments allow me to burn hundred dollar bills without guilt. You are saying no. I agree.
    1
  1819. If it were easy to make so much money, then everyone would do it. The fact that we grasp onto get-rich-quick strategies shows that they don't work.
    1
  1820. Great educational release. Glad you can rant what you see as somewhat a legal scam or such. Cheers, watched 5 videos today, love your easy explanations followed by simple but informative cartoons. Wonderful thank you!
    1
  1821. Good videos. Nobody get rich by buying a racing car and a boat. When you see an ad from a young 20 years old with a racing car, you know this guy is poor, very poor, trying to be some1else to get you in and get your money. Simple as that. You can get rich by being entrepreneur, you van struggling being entrepreneur, and you could also getting broke being entrepreneur. Its like anything else like sports, arts and poker. Investing wont make u rich as an employee, but it will make you richer if u take the right decisions. " Rule #1, dont lose money. Rule #2 Never forget rule #1." - Warren Buffet
    1
  1822. Thanks for this. I have big disdain for 'trading strategy' videos myself, happy to see you taking action to address them. Keep up the good work.
    1
  1823. Richard, The Plain Bagel is one of the most underrated Youtube channels I have come across...if your channel traded on the stock market, I would buy it immediately!! :D By the way, great work - loved this video! Keep it going
    1
  1824. Keeping it real 👌
    1
  1825. 100% love this video. I started learning about value investing. I read the books by Ben Graham, Mohnish Papri, Guy Spier, Howard Marks, Joel Greenblatt, Jason Zweig, all of Buffet's letters and more. I'm much smarter now BUT I still feel like I don't know anything. Ha. Nothing replaces hard work.
    1
  1826. this is a great video, thanks for sharing this points, it really feels honest :)
    1
  1827. Fuck, someone saying the truth. :O Are you saying buying DumbCoins won't make us rich for sure?
    1
  1828. I always thought your videos were very genuine - imparting useful knowledge, educating viewers, and yet staying realistic and humble. Totally agree that these advertisements for guaranteed high returns are dangerous and misleading, especially to the uninitiated who haven't taken the time to learn the basics on their own - I've seen many people around me fall prey to worse schemes. Awesome video and keep it up! Would love to see more of these!
    1
  1829. That is a great video, thanks a lot. You cut to the chase.
    1
  1830. Very interesting. Just subbed
    1
  1831. Great video. You are a voice of reason. The world needs your wise and calming input. Thank you
    1
  1832. I rarely comment on Youtube. But thanks a lot for your honesty. Great video!!!
    1
  1833. Great video Richard and keep up the great work!!!!!
    1
  1834.  @ThePlainBagel  Thanks but I'm not worried; it's a mix of Royal bank and National bank stocks. They pretty much follow the S&P500 with a bonus 4% dividend on top. I will how ever, sit her in front of the screen and make her watch your videos lol😉
    1
  1835. Mmm. Good video. Personally, I think the IKEA furniture punctuates the topic of the video: very low cost investment, very high practical function... until it breaks ;)
    1
  1836. Got a ad like that right before the video started 😂🤣 love the honesty and educational part of your videos!
    1
  1837. Very good video and I totally agree. I look forward in watching more of your videos.
    1
  1838. This video earned my respect (and sub)... keep this REAL shit coming!
    1
  1839. This video made me subscribe!! Very well-educated opinion!
    1
  1840. Good stuff, made a lot of sense thanks
    1
  1841. Great video i really love what you do and your channel!
    1
  1842. you a nice guy Richard
    1
  1843. Thanks for your time Sir! You are providing a great service. Keep it up!!
    1
  1844. Thanks for such different realistic video
    1
  1845. Richard your channel is an absolute goldmine and the videos are always appreciated! This type of content was definitely more of a hit than a miss, so would love to see more!! Maybe you could have a little rant regarding the WSB (wall street bets) subreddit ? Haha
    1
  1846. I liked and i subscribed to this channel. And thats not something i often do for finance videos on YouTube.
    1
  1847. It is a great video!!!
    1
  1848. This video is crucial to maintaining the balance of information about investing expectations.
    1
  1849. Really good video, you explain your point very well and I agree with much of of what you say.
    1
  1850. You are one of the few honest guys on YouTube. You spit the truth!
    1
  1851. This video made me subscribe your channel!
    1
  1852. Excellent video.
    1
  1853. Excellent! Finally the truth! Thanks 🙏
    1
  1854. Loving what you do here Richard. Simple, thoughtful, honest. Thank you!
    1
  1855. Great video. I think people’s greed coupled with their lack of education in investing that makes them make bad decisions in investing. Save what you can from your paycheck for investments EVERY paycheck. Do the research, buy, then sit on those investments long term. It’s not glamorous but it’s effective.
    1
  1856. Honest and smart statement! Thank you for your videos
    1
  1857. be honest always as you are. great video pal
    1
  1858. So insightful.
    1
  1859. great video my man
    1
  1860. Awesome advice. Thanks
    1
  1861. I think this is a great video that showcases the current problems where these YouTube add people are leaching off others to create themselves more money. Happy Friday and I appreciate the education today.
    1
  1862. Great information and delivery I subscribed. Thanks.
    1
  1863. Great content. Thanks for sharing this.
    1
  1864. Great video, enjoying this "free style" format. Also, hi from across the Ottawa river ;)
    1
  1865. Great vids👍🏻💵 This channel should have over a 100,000 subs. 🙏🏻 Thank you
    1
  1866. Thank you.
    1
  1867. I love the PSA man, recently found your channel and really like your content! Agree on all of your points!
    1
  1868. Amazing video. Thank you so much.
    1
  1869. You earned my like sir.
    1
  1870. excellent video ! this is the truth no one talks about. Retail traders look at the financial markets as an ATM and end up loosing alot. good stuff Richard !!
    1
  1871. Excellent video! very true!
    1
  1872. Great video! We all need to keep it real sometimes and stay grounded.Thats why I only invest in Dividend aristocrats that only increase their Dividends.It works and with time you can see some nice Passive Income! Make small realistic goals reinvest dividends and after 10+ years your yield on cost will be surprising.Thx again for your insight.
    1
  1873. What a splendid and informative vid.
    1
  1874. I am so glad to see that there are important and conscious people who are able to look beyond the simple values (fame, money, ... ). As they will bring the truth to the simple people, and only that way we will be able to prosper. Through this one video you showed you belong there, and I am very happy that it is you who did it. See you in the happy future (:
    1
  1875. You will make a lot more money by selling advice than by taking it
    1
  1876.  @ThePlainBagel  Me too:). It's interesting that his value investing strategy is still relevant after almost 50 years of publishing the last revised edition of the Intelligent investor.
    1
  1877. Very well done, you make a number of good points. I am more than tired of "Click below to get my top 3 stocks." When you do that, they ask for your email, and then they and their cohorts bombard you with all kinds of get rich schemes, etc. I spent a solid hour today "unsubscribing" from various and sundry emails related to investing. Think I'll keep watching your videos. BTW, I'm a brand new subscriber after watching only two of your videos. You're very honest and open, good qualities to have and to share. Keep up the good work. John (in Texas)
    1
  1878. Thank you! I am glad that I've encountered with your video. This was kinda a wake up call for me. I was just in the loophole of watching investment related videos and as you said on the video that I got hooked and probably would have been gone into it without any experience or any backup. I wouldn't buy those follow-5-steps-get-rich scheme though. However, not everything is black and white and I could actually lose more in this. I should be more careful about what and where to spend. I should think more realistically. I do want to be financially interdependent and able to retire early though. Hopefully, I can. Great video, subbed.
    1
  1879. Thanks for this. Real info for real life.
    1
  1880. Too many have suggested investing can make you rich. Good video
    1
  1881. After seeing the notification with the title I became a bit upset. Because it's a very clickbaity title, but after watching this I 100% agree with you.
    1
  1882. I never like or comment on videos, but i have to say keep doing what you are doing, you are a genuinely great guy and i hope you are really successful! just remember my name when you are ;)
    1
  1883. Another great video Richard, we have all known that there are no free lunches in the world since we were 10 years old and yet we still fall for get rich quick schemes (my hands were also burnt).
    1
  1884. Listen asshole I don't like these hard truths you're telling me.
    1
  1885. I love Ikea furniture! Great video!
    1
  1886. You sir, have just earned a sub. Thank you!
    1
  1887. Love this advice!
    1
  1888. Really great videos Richard. Way better content than the other videos.
    1
  1889. Great video man! I’m a second year student in business school, and I love your stuff. Keep it up!
    1
  1890. I have far more trust and respect for you in front of your Ikea furniture than any Guru in front of his Lambo
    1
  1891. The IKEA furniture gives me greater confidence that you understand value!
    1
  1892. this channel is awesome, subscribed
    1
  1893. Subbed because of the honesty
    1
  1894. Important lesson here the biggest draw back with the stock market is you need alot of money to make alot money and you are spot on about all the youtubers selling their products...investing can make you richER but it can't make you rich...if you invest 1000 and make 5000 you are richER but not rich...and if you have millions to invest then you are already rich...having said that being richER is not a bad thing so invest my friends ;)
    1
  1895. great video!
    1
  1896. Keep up the great content really learn a lot from these videos.
    1
  1897. Brilliant video
    1
  1898. Great video! I appreciate your perspective. I agree that people who are greedy often get taken advantage of by "get rich quick" schemes.
    1
  1899. So good video......well explained!
    1
  1900. Great insights my guy!!!
    1
  1901. Your videos are great. Completely agree with your statements. Thank you for giving your time on these videos. Keep being great
    1
  1902. Make more videosssss
    1
  1903. This is extreme important that Beginners need to know. Thank you for this Video
    1
  1904. I watched the commercials to support
    1
  1905. Another great video!
    1
  1906. Vid was great bro. Glad you made it
    1
  1907. Great video. Great channel!
    1
  1908. Very sobering video and your honesty is admirable. Keep up the good work Rich.
    1
  1909. Great video as always! It's a shame that many people fall for this get rich quick scams instead of the smart money. Greed is a huge motivator.
    1
  1910. thanks for speaking the truth
    1
  1911. great video. I LOVE reality and the truth.
    1
  1912. This is a very good video! Thanks for making it, and please rant away whenever you want to. Actually I always thought that the goal of investing for most people is to have enough money for retirement. Like you said, saving as much income as possible is the foundation of any kind of future prosperity, but with interest rates so low and bank fees so high just putting money away isn't enough. You have to invest those savings intelligently so you can have as high a net worth as possible when you turn 65. That might not make you "rich," but if you have no financial worries after you stop working - and have enough money to make old dreams come true like home renovations and fancy vacations, that seems close enough.
    1
  1913. how can you talk like that about Tai Lopez hahahaha... 🤣. we need to keep it real. slow and steady wins the race.
    1
  1914. Great video Richard, this is a solid hard truth.
    1
  1915. Thank you, this was an excellent video.
    1
  1916. Great video, brother keep going
    1
  1917. youtube investors hate him!
    1
  1918. Some one recommended your channel on reddit investing and now I'm a fan! Suggestion: How about doing a 5 minute history of Enron and maybe a separate video on the pros and cons of investing in your employer?
    1
  1919. Great video.
    1
  1920. That was some sense of real talk there, especially around the end. Great video.
    1
  1921. Too much insight in one video... subscribed
    1
  1922. I think too many people think that having a lot of money is the key to happiness. Having enough to be comfortable and meet your needs is important but cannot and will not fill up any voids inside yourself. If you have your health, a good network of friends and loving support from family I’d say you are lucky and have more than what money can provide. Very few people ever are content and just happy with what they have.
    1
  1923. Very good insights! Thank you for sharing :)
    1
  1924. Very useful information
    1
  1925. THANK YOU.... my head doesn't hurt anymore !
    1
  1926. Very good.
    1
  1927. Great vid as always. Question. I am new to options. If options done right (i.e. hedge by buying put &calls) is it safer than traditional swing trade?
    1
  1928. Love your video 👍
    1
  1929. Great explanation
    1
  1930. Keep up the great work!
    1
  1931. Marry me plain bagel seriously Marry me I wasn't able to understand this for a really big while I am in love with you
    1
  1932. I never comment on YouTube, but your video here is truly exceptionally funny. And more -> you manage the perfect balance : being critical without derogatory comments (although it'd be legitimate to make them). Algorithms pushed up your content and I'm delighted I stumbled upon it. Thank you for the time and effort you put into your channel, and all the best for 2024.
    1
  1933. So...many...chin ups. Didn't know that was the secret sauce.
    1
  1934. The undertaker wake up got me
    1
  1935. Lets gain this grain 😤🍞
    1
  1936. very understandable
    1
  1937. CONGRATS ON UR MARRIAGE!!!
    1
  1938. Congratz dude..
    1
  1939. Congrats! great explanation of the topic
    1
  1940. Enjoyed the cheeky answer, but his voice has a unique timbre and rhythm, at least to my ear. There's no mistaking it.
    1
  1941. Congrats! Awesome content
    1
  1942. Good medley
    1
  1943. Please do a full video on duration and convexity. Congrats btw
    1
  1944. Thanks!
    1
  1945. Another great coverage . Well done 👍😀
    1
  1946. I love this channel.
    1
  1947. Very informative, thanks
    1
  1948. Bonds allow for a reduced volatility. They aren't sexy in any way but folks flocked to them during the recession of 2008.
    1
  1949. Richard - Thanks for this video. Super helpful resource to pass on to family/friends when discussing investing.
    1
  1950. Well deserved man!
    1
  1951. thank you from our side too for sharing / guiding basic fin knowledge
    1
  1952. You have a wonderful way of explaining complex topics for the average person. Thank you for taking the time to make these videos. Congratulations on 100k!
    1
  1953. Your explanation of investment concepts like futures and opportunity cost are really very good and easy to understand. Keep up the good work!
    1
  1954. Congrats form Poland
    1
  1955. Just recently found your channel and even though I don’t understand the financial side it just sparks my interest in the stock market c:
    1
  1956. 🥳 who else has been here since 3k?
    1
  1957. Congrats! Really happy for you!
    1
  1958. You have earned that play button! Your videos are of top quality and I look forward to a new one every two weeks. Raise a glass good sir as the count down to a million subscribers begins!
    1
  1959. plain bagel is the biggest G in the block
    1
  1960. Couldn't stop smiling... Thanks for all your good work!!!
    1
  1961. Thank you! Best of lucks for the future
    1
  1962. 4th congrats mate
    1
  1963. good job!!!
    1
  1964. I ve watched all 12 series. Really, big thanks, great starting point for me. really learn a lot.
    1
  1965. Great series - easy to digest information.
    1
  1966.  @ThePlainBagel  no problem. really appreciate your videos:)
    1
  1967. Graham Stephan Graham Stephan Graham Stephan Graham Stephan Dave Ramsey Dave Ramsey Dave Ramsey Excellent work by half donut. Doing my good for the algorithm.
    1
  1968. Thanks for sharing! I didn't know of several of these
    1
  1969. Once again you've made the rookie mistake of trying to unpack a complex problem rather than dogpile onto a popular and simplistic analysis. Please just stop.
    1
  1970. Thanks!
    1
  1971. Too cool. Just put my order in bud! CHEERS! 🤣☕️
    1
  1972. Can I get a cup of Tim Horton's with that mug?
    1
  1973. Dude, your delivery and editing was so on point in this video. you have been great to follow and I have enjoyed your content and evolution as a content creator. Thanks for the rewind and Happy New Year!
    1
  1974. I should have bought Bagel Butt when I had the chance.🙁
    1
  1975. Thanks!
    1
  1976. Haha loved this. Used to live in Ottawa miss kettlemans. Nice to see the old streets.
    1
  1977. This was great!! I couldn't stop laughing! Thanks for being such as kickass channel, you make my life better!
    1
  1978. The bagel falling in the intro had me wheezing for a long time, these subtle things really get me. Great video!
    1
  1979. Happy April Fools Fellow Investors. If you want another funny Investor YouTube channel video, it's pretty darn funny, check out Humble Trader's April Fool video. Get ready to laugh. Peace all!
    1
  1980. ahahaha excellent. I discovered your channel few days ago And I really like the content you're creating. It makes things understandable and agreeable to watch. I subbed and wish you the best. I'll keep watching !
    1
  1981. I really like this channel. This channel is in my top ten YouTube channels.
    1
  1982. You have amazing content i started watching every single video on your channel and I've got to say this one is the best. You cramped so much info in such a short video!
    1
  1983. Tesla has made a great run this year and has the potential to be a great company in the future, but without a major correction in stock price, I don't believe there will be much in the way of future STOCK returns even if the company does extraordinarily well. We are talking about an insane market cap for TSLA right now.
    1
  1984. just a reminder for tesla bulls. tesla is not the best at car hardware, tesla doesnt have the best battery technologie, there are 2 dozen firms who are working on fsd (velodine lidar which one most innovitive tech company in sillicon vally is one of them) there are 4 better solar companys one of which is in oil as well. tesla isnt the best in energy storage either. tesla is great at software for cars and car batteries are the best at this point. apple is also in the industry in 2024 with an self driving car and tesla lost 60% of market share in a month in the netherlands. at a valuations of 600 billion+ tesla is price to perfection. they might be a gaint in the future but it isnt going to be smooth with an 70% increase every single year in revenu. tesla still has a lot of competion which they would to compete with and steal market share from other car companys
    1
  1985.  @ThePlainBagel  I'm jk, dawg. Great video. I was shit posting to bait other people and didn't think you would see it. Keep up the great work!!!
    1
  1986. Very reasonable analysis. He’s not saying Tesla won’t be huge. He doesn’t care. Hes not getting emotional. He’s saying from a value oriented perspective, there’s very little margin of safety. So with that investing philosophy, it’s not a buy. The stock is simply too expensive. If your philosophy is high risk then go for it. May be a unicorn still. I think people who are unhappy here likely have a different, more aggressive investing philosophy.
    1
  1987. Excellent video. Thank you for posting it. I like Tesla, but its stock is clearly caught in a bubble at the moment. Tesla is a fundamentally good company that would be a good investment at a normal time, but right now Tesla stock is massively overpriced and due for a correction.
    1
  1988. Wait did u just say “here in canada.”? I’ve watched u soo much in the past and im just learning you’re canadian? Lol
    1
  1989. I used my bank for financial advice once. Did a 6 month CD then moved it to an investment fund and made 1 dollar and 50 cents from that investment. Did my own research and found a real financial advisor who is against debt. So I pulled my money out of the bank investment and put it towards my mortgage. Felt like I should have done that from the start but the bank advisor told me not too but couldn’t tell me why I shouldn’t pay down the mortgage that I have with their bank. Clearly they had a basis.
    1
  1990. Thank you share the so interesting cartoon to teach past financial history.
    1
  1991. Hey i just discovered your channel a few days ago....really good stuff.!
    1
  1992. you nailed all the point!!!! thumb up..
    1
  1993. Good video man!
    1
  1994. Hey dude!! Been waiting for this video for ages, love how you broke down Bitcoin and it's risks. I hope it evens out eventually, especially cause of the etheruem coin craze going on that's making desktop graphics cards prices sky rocket! Love your content, looking forward to the next video!!
    1
  1995. Boy did this age poorly. Loving my BTC sitting at $100000/coin right now 😎😎😎
    1
  1996. Nice. Very interesting
    1
  1997. at last,someone explain it very thorough about fundamentals. it's become my concerns lately,it's really annoying and i hate it. it appears on my trading terminal, discussed "optimistically" on all the legit forum, and in the most of investment site i access, yet one of bitcoin superfans i know say to me, bitcoin need to be high valued because everyone needs to pay for blockchain farm maintenance. and i said what??!! that's not how it works. there i know its 16.5 mill worth of s*?t. i want to short it, but the spread is ridiculous,that even after it's going zero, the return wouldnt be too good. pardon my english, im not speak it on daily basis
    1
  1998. Logical Dude,
    1
  1999. very well put, sound argument against bitcoin.  I enjoyed your honest reflection on it. thanks!
    1
  2000. Oh hey I’m from Winnipeg, I think I bought my shoe laces from you
    1
  2001. A finance control officer No government like bitcoin That’s love ❤️ ❤
    1
  2002. TIL: Fire cannot kill a dragon. Also, something about a test?
    1
  2003. Congrats!
    1
  2004. Grazie.
    1
  2005. Great summary and level-headed advice as always!
    1
  2006. I know really little about finance/economy and I just wanna say that I really appreciate your insight and knowledge
    1
  2007. Thanks!
    1
  2008. Thanks!
    1
  2009. but i want the bagel buddies billions buyers booster bombastic bedition bprogramme
    1
  2010. Nice April Fool's joke at the end saying it was all "acting". You can't fool me.
    1
  2011. Just found out your channel and i'm binging it, already 13 videos over...
    1
  2012. I should have found your channel sooner. I love it
    1
  2013. Amazing video! Thanks!
    1
  2014. Good job with your videos, keep it up!
    1
  2015. Thanks
    1
  2016. Can't believe I didn't make the thumbnail, given how often I'm accused of being an "influencer". How dare u Also, "Finfluencer" sounds like someone who makes content about fish
    1
  2017. Very nice, thanks
    1
  2018. The Plain Bagel thank you, love your videos!
    1
  2019. great work
    1
  2020. excellent video, thank you! new subscriber here!
    1
  2021. Great video. Cheers from the Glebe.
    1
  2022. Thanks!
    1
  2023. Great video!
    1
  2024. Great video and channel. Look forward to future videos
    1
  2025. Quality
    1
  2026. This is a great channel! Thank you for sharing these videos!
    1
  2027. Thanks!
    1
  2028. Thanks!
    1
  2029. Thanks!
    1
  2030. I have to disagree with you. I went from $0 in assets to $120,000 in assets within 3 years. My wife and I only make average salaries. Both about 40k a year. The first two years my wife didn’t work. We have made an average of 88% return on investments a year. We live below our means and invest half our combined income. And it was all thanks to people like Meet Kevin and Chicken Genius. I’m about to my buy my first property as well. Investing in stocks and real estate are going to make me rich.
    1
  2031. Thanks!
    1
  2032. Thanks
    1
  2033. Plain awesome!
    1
  2034. Excellent video!! Thank you
    1
  2035. Good vid indeed!
    1
  2036. Nice video very nice man! I’m impressed of so much input and not only the fact that the video is very well made but also the info in it is top notch!
    1
  2037. Great video!!! I just liked and subscribed.
    1
  2038. Excellent video Richard!
    1
  2039. Subscribed
    1
  2040. Nice video thanks for the info.
    1
  2041. New video on my channel fyi
    1
  2042. Now you earned to turn my Adblock off while I watching your videos
    1
  2043. love your Channel!!! You can be proud of your videos and all around the world people are watching you like me from Germany. But I would like to see some examples for upcoming videos maybe General Electric or some other company that fits on your theme. Still one of the best channels and keep on going I will look your videos anyway
    1
  2044. Great video!
    1
  2045. very good content. The only missing information I wish you had added is how to read total return year over year. For example what is the difference between close price and adjusted close price on yahoo finance? ;)
    1
  2046. Great clips!
    1
  2047. This is my favorite youtube channel! Thank you for making awesome videos!
    1
  2048. Great video easy to understand keep up the good work :) def recommended for beginners
    1
  2049. Watched video good
    1
  2050. What he said
    1
  2051. great vid! do more on Canadian businesses please!
    1
  2052. Fantastic! Love your work :)
    1
  2053. interestig video man!!!
    1
  2054. You rock. Thanks
    1
  2055. MY GOD THAT IS HILARIOUS TO WATCH!! IM LOVING IT
    1
  2056. This has to be one of the best channels I have ever subscribed to!
    1
  2057. First comment
    1
  2058. And I remember when they offered me $10k to work for them in Dallas in 1998. I can sympathize with your ole Dad!
    1
  2059. Do more videos like this!
    1
  2060. Amazing!
    1
  2061. very interesting and a great 5 minute summary.
    1
  2062. Cool quick vids
    1
  2063. My dad worked there too.
    1
  2064. So much dirty in 2004. $70mi ? They said "Well, there is nothing more we can do but we got one last move" Great video. This channel has really good content. Another thing your dad can be proud of.
    1
  2065. Hey I'm from Belleville too!
    1
  2066. Really interesting. Thx
    1
  2067. Thanks!
    1
  2068. Richard ! Great video, very synthesized and easy to understand. Good job!
    1
  2069. Please make a video on 'What is short covering?'.... Thanks for all the videos you have uploaded till now. Very useful information. Cheers :)
    1
  2070. great video from plain bagel!!!!
    1
  2071. thank you this is the most comprehensive lesson in learning that I understand nothing about economics
    1
  2072. Thanks!
    1
  2073. The Plain Bagel Thanks. Touching on shorting in other asset classes would have been great as well, I like the content hope the feedback helps. Idea for a future video - Economic news (PPI,CPI, Fed rates, unemployment,etc) and how it impacts the different asset classes.
    1
  2074. What a fukin' coincidence man.... I'm watching it right now.
    1
  2075. @ThePlainBagel Thank you so much for this video. I understand the concept very clearly now.
    1
  2076. Thank you! Excellent explanation. Once again just what I needed.
    1
  2077. 14:45 Sorry for being so harsh about it, I feel bad now bro😂 Youre good, youre good
    1
  2078. Thanks!
    1
  2079. Thanks
    1
  2080. Thanks!
    1
  2081. Don't take this the wrong way, but you're so plain and uncharismatic that it makes me trust you all the more. Social media is full of "cool guy" personas who rope-a-dope fans into buying into their schemes. You're not fronting at all, you're not trying to say "hey look how cool I am check out all these lambos". You're just presenting plain and pragmatic advice, and the lack of dress-up is part of what makes it trustworthy.
    1
  2082. Thanks for sharing.
    1
  2083. I see all these comments.....and not alot of tips?!? CMON PEOPLE!!! DO IT FOR RICH!!!!! SaTX Baby!!!!
    1
  2084. Bedankt
    1
  2085. I will save this video to show it to everyone who asks me how to make easy money on the side - or if course X sounds promising and if they should "invest" in it 🥲😵‍💫
    1
  2086. Thanks!
    1
  2087. Thanks!
    1
  2088. Another fantastic educational video. You kick ass.
    1
  2089. you make some tremendous videos man, keep up the good work!
    1
  2090. Thanks for your videos, I do believe they are good.
    1
  2091. Thanks!
    1
  2092. Thanks!
    1
  2093. Thanks!
    1
  2094. I always smelled something fishy with masterworks.
    1
  2095. Hit the thumbs up for "didn't paint a pretty picture...so to speak." 😏
    1
  2096. 1:30 was that a coffeezilla reference? lol
    1
  2097. Thanks
    1
  2098. I have been waiting for a video on this 🍿
    1
  2099. "NFTs are highly dangerous and speculative. Most offer no utility at all, so be careful!" "This video is sponsored by an art speculation company."
    1
  2100. Thanks!
    1
  2101. Thanks!
    1
  2102. And we almost got away with it too, if it werent for that meddling analyst and his youtube video.
    1
  2103. All heroes don't wear capes! Thanks for this well researched post.
    1
  2104. Thanks!
    1
  2105. Thank god you covered this
    1
  2106.  @ThePlainBagel  Now i get it. Ur clips are awsome
    1
  2107. Awesome job...
    1
  2108. nice vid m8 keep it going
    1
  2109. I love your videos <3!!! Keep up the good job!!!
    1
  2110. Great video sound very similar to what happening now
    1
  2111. Great video buddy keep! Remember when the US was on the Gold standard?
    1
  2112.  @ThePlainBagel  I understand. I'm still recommending my students to watch your video to complement our class discussions. Thank you!
    1
  2113. Awesome video!! Thanks so much!
    1
  2114. It was very informative. Nicely done
    1
  2115. This was the most helpful video ever! Thanks
    1
  2116. Wow just amazing. That was awsome dude
    1
  2117. Awesome video. Congratulations!
    1
  2118. Subscribed! Thanks for the info!
    1
  2119. You explained this concept so well. like button and subscribed
    1
  2120. The best video about the Yield Curve. Period.
    1
  2121.  @ThePlainBagel  I guess one can average it out and go with intermediate term as Ben Graham suggests 😊
    1
  2122.  @ThePlainBagel  I have a Bachelor in EE and I love these videos. Best way to escape the rat race is to prepare for this wealth transfer. Last time it happened was in 1929. This is big
    1
  2123. FANTANSTIC video so informative and crystal clear thank you !!! please cover Interest rate swaps and why not options :) !! Thank you again
    1
  2124. This is f*ing gold. Thanks.
    1
  2125. https://fredblog.stlouisfed.org/2018/10/the-data-behind-the-fear-of-yield-curve-inversions/ A good piece of information if you want to see some historical data.
    1
  2126. Keep up the great work! 🙌🙌
    1
  2127. great explanation!
    1
  2128. Lovely explanation. Thank you!
    1
  2129. Very well explained!
    1
  2130. Dude... This Video is so good...
    1
  2131. Wow, excellent video. Clear and concise explanation, good production value, and you have a very pleasant style of presentation. I'm gonna spend some time perusing your channel.
    1
  2132. Well explained
    1
  2133. great video
    1
  2134. You da man!
    1
  2135. good job,thanks.
    1
  2136. What do you use to make the graphics in your video's? Outstanding job! Lot's of value here!
    1
  2137. Thank you
    1
  2138. That was excellent
    1
  2139.  @ThePlainBagel  Thanks !
    1
  2140. Excellent! Great job!
    1
  2141. Gems
    1
  2142. Great explanation..
    1
  2143. Great video!
    1
  2144. You earned a sub!
    1
  2145. Amazing job explaining this!
    1
  2146. The Plain Bagel Congrats on 2k!
    1
  2147. Great video! Currently studying for my CFA L1 - the next topic is Fixed Income. I will apply this video to what I learn.
    1
  2148. Great vid! Thanks for the info
    1
  2149. Thanks for sharing the valuable information.
    1
  2150. Great video, very informative!
    1
  2151.  @ThePlainBagel  thank you very much. :-)
    1
  2152. Very good presentation. It is visually better than powerpoint. How do you animate these images ?
    1
  2153. Awesome explanation
    1
  2154. Excellent
    1
  2155. Nice video, Richard. Well done!
    1
  2156. This video is great
    1
  2157. Officially my favorite page
    1
  2158. Great video! Thanks
    1
  2159. Great content btw keep it up brother!
    1
  2160. Good vid
    1
  2161. Hi, I just discovered your channel! Thanks for the information. I have a question, I would like to start investing but I come from a Latinamerican country and I can't use platforms like Wealthsimple or Wealthfront. What options do I have for my limited budget?
    1
  2162. Your videos are great. Keep them coming!
    1
  2163. Dumb curve graph.hahah
    1
  2164. great vid
    1
  2165. subbed
    1
  2166. Excellent video! Thank you very much!
    1
  2167. Wow that was the best explanation I've ever seen of it
    1
  2168. Only if education was explained so clearly
    1
  2169. Thanks for this awesome video!
    1
  2170. very nice explanation! just subscribed!
    1
  2171. By not investing, typical people will not have their share of their economy's growth.
    1
  2172. wonderful!!!!
    1
  2173. Awesome video, this was a great reminder on the important of investing early and not being scared of market downturns!
    1
  2174. You are of public utility
    1
  2175. appreciate your educational videos!keep up the good work
    1
  2176. Great channel. Sub.
    1
  2177. I'm using your videos to help my teen to learn how to invest. Thank you for this wonderful content.
    1
  2178. thank you for making this video
    1
  2179.  @ThePlainBagel  Thanks a lot. I'll search for such companies in Germany. I appreciate the effort you put in the answer a lot. Have a good day!
    1
  2180. This is great. You should be proud. Keep it up.
    1
  2181. This channel has the potential to be great due to the presenters good “plain spoken” presentation skills. To be great will require the shedding of false analogies like the “engine overheating” thing. An engine overheats for technical/physical reasons related to the nature of matter itself. What causes an economy to overheat if it’s entirely a mental construct? Details that break that down better and deeper will be very interesting and explode viewership. Cheers!
    1
  2182. Another great clip Richard. You would make a very good government economic policy advisor . 😀👍
    1
  2183. great video, thanks!
    1
  2184. Very well explained! Thanks, man! Just took a business finance class, but did not know where the “interest rate” actually came from.
    1
  2185. As clear as water coming down from the high mountains! Great!
    1
  2186. Excellent!!! Keep these coming!! You have great communication skills
    1
  2187. Learned something new today
    1
  2188. Thank you for letting us know all of this.
    1
  2189. Thanks for the knowledge!
    1
  2190. Great video.
    1
  2191. Awesome content man! Really love this channel. Subscribed! :)
    1
  2192. Thank you for your explanation... I’m an accounting graduate, very interested in economic.. will take the course to learn more if i have a chance .
    1
  2193. Thank you this was very helpful and informative 👍👍
    1
  2194. #LearnMMT
    1
  2195. Keep up the good work! Excellent channel!
    1
  2196. Well done 👏🏼
    1
  2197. The youtube gods are recommending videos of indexed universal life insurance as an investment vehicle. @ThePlainBagel would you kindly educate us on this topic?
    1
  2198. Coffin' out fax
    1
  2199. I find the best stock recommendations using autocomplete
    1
  2200. Cheers from Denver!
    1
  2201. Very informative and helpful, but your enunciation could use some work, I had to rewind several times in some places to get what you were saying. This is really good though, and you definitely should keep doing this, just some constructive feedback. Overall this was really good
    1
  2202. Dude Your Videos are awesome. Great Content <3
    1
  2203. Awesome Vid !
    1
  2204. Well explained ! Thank you richard
    1
  2205. Well done. Subscribed!
    1
  2206. Great content
    1
  2207. Clear and concise.
    1
  2208. excellent. No bullshit video
    1
  2209. Love your channel! subbed :) What program do you use to edit? I saw the previous comments but never got your specific one.
    1
  2210. all of your videos are fantastic, appreciate it!!
    1
  2211. I was eating a bagel while watching this video...I think I will make a habit of just that!
    1
  2212. I have not yet watched the video. I will just say that I want Richard's video thumbnails to have more laser eyes.
    1
  2213. You forgot to caps power word in your title "Finance YouTube Thumbnails Are the WORST", im disapointed in you Richard. Clearly not good enough for clickbaiting.
    1
  2214. Thanks!
    1
  2215. Thanks
    1
  2216. Thanks!
    1
  2217. Thanks!
    1
  2218. Thanks!
    1
  2219. Thanks!
    1