The Plain Bagel
@The_Plain_Bagel
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Following
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Media
456
Statuses
1,557
CFA, CFP, portfolio manager, finance enthusiast:
Joined August 2017
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@JoeriSchasfoort
Wait, you're telling me that a currency's value is influenced by more than just its money supply???
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My finance degree never prepared me for these circumstances
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Rest in peace
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Really excited about all the jobs the Tesla bot will bring. Sure, it will replace some workers, but it takes three people to keep it standing, huge employment opportunity!
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The channel’s finfluencer video was just shared on LinkedIn by the CFA Institute President and CEO! Now I know the sports car rental was worth it.
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Alright, just to spell it out here on Twitter, here’s why BlackRock doesn’t secretly own/control the world:
1) The $9.4T AUM is not their money, it belongs to clients who invest THROUGH BlackRock. Blackrock only owns ~$120B, the trillions belong to their millions of fund holders
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If BlackRock controls the majority of companies in the S&P thanks to its 5% holding of their shares, surely they themselves are ACTUALLY controlled by Vanguard, who own 8.2% of BlackRock. And wait until you hear who owns Vanguard 😱. The rabbit hole goes deeper than I feared…
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While I appreciated the opportunity interviewing Mr. Trudeau recently, I have to push back on this - the tax will impact more than 0.13% of Canadians.
Yes, this does primarily target wealthier individuals with the $250,000 threshold, but there are cracks where the middle class…
It’s time to change the capital gains tax. Here’s why:
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People are making fun of this person for venting about the experience of working her FIRST 9-5 (w/ commute). I'm sure most of us felt this same dread with our first jobs - it's a big change! Yes, others have had to deal with worse, but she's young, leave some space for growth.
Gen Z girl finds out what a real job is like
🔊
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Hey guys, I'm just saying, maybe AI ain't so bad after all
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The Plain Bagel turns 6 today - thank you for letting me talk about my subject of passion for 6 frickin years ❤️
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Happy Valentine’s Day… leaving this here in case anyone’s looking for some light romantic content
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Nothing gives me more confidence than a typed-up spreadsheet
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The worst part about
@LoganPaul
’s response to
@coffeebreak_YT
is when he makes the abhorrent claim that Coffee’s $10M studio is actually a green screen. The audacity.
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Warren Buffett's Berkshire Hathaway seemingly down 99% today and has been halted. Seemingly a glitch, but so far not many details.
That's enough stock market headlines for today, thank you.
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A lot of the people saying "you'll regret not buying Tesla at this price" or "load up on bitcoin" said the same things at the top, just before both dropped ~70%. Don't forget or forgive those who were overconfident, and who now refuse to take responsibility.
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Since some people are genuinely upset they couldn’t buy BRK.A when it was down 99%…
Just because a glitch showed the price was down doesn’t mean anyone was actually selling shares at that price. This isn’t Walmart, you don’t have to honour a pricing error made by an exchange.
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I'm not sure how I feel about all these new "audit" finance YouTube videos, where creators critique a random person's spending/saving habits. It's great to see practical examples, but so many involve humiliating the guest over how much they spend at Starbucks. Not my...cup of tea
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Why this is detrimental advice:
- Hardly any funds earn 12% annually a/f fees.
- Most retired investors don’t have the risk tolerance to be 100% stocks.
- Returns fluctuate. The 3% rule helps insure you don’t impair your capital when returns are negative.
From the Ramsey Show (November 2, 2023):
This disturbing video rant from Dave Ramsey demonstrates an ongoing ignorance of safe withdrawal rates and sequence of returns risk, plus a combative insistence on using 12% average linear returns assumptions over decades.
Dave publicly…
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So I kind of forgot I sold plain bagel mugs until I started prepping for my tax filing.
I sold exactly 1 mug last year.
Honestly I'll take it.
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My wife and I just finished up a multi-night stint at the children’s hospital for our little one, the second time we’ve done so in less than 6 months. We’re so lucky to live in Canada; it saddens me that something like that could bankrupt someone in the US.
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I'm planning on posting a video about the Canadian housing crisis next Friday. It's one of my more research-intensive pieces, so there's a chance it's delayed, but I think it'll be worth the wait. Stay tuned.
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@AlternateJones
With all due respect, how many stocks did you look at before coming to that conclusion?
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I don’t often get recognized, but during the cruise my wife and I were on, I bumped into someone who watched my videos (I was randomly assigned to his team for a dodgeball tournament - we ended up winning). He was a really nice guy, and it was awesome meeting a viewer in person!
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Tesla raises prices in June
FinTwit: "Here's why this is actually good for Tesla"
Tesla cuts prices in January
FinTwit: "Okay, now THIS is REALLY good for Tesla"
I'm starting to think I shouldn't get my stock research from Twitter...
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A unique one for the channel:
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Some free advice for finance YouTube: if you promoted FTX and want to maintain some semblance of credibility, be honest, apologize, help out the victims of the service you promoted (financially), and take steps to guarantee to your audience this won’t happen again.
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Just saw this on a vacation booking site...Jesus Christ
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This Indian channel got 1.2M views using my thumbnail and making it clickbaity. Feels bad man…
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Bitcoin just surged, and then dropped, on an allegedly fake headline that the SEC approved a spot ETF for the crypto...all within 20 minutes.
Markets are fun
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Late to share, but I posted a deeper dive into the claims Blackrock and Vanguard secretly run the world, check it out:
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A lot of my content has been geared towards debunking sensationalist headlines lately. I still look to focus on the basics, but the stream of "crisis" headlines has been unrelenting lately.
What are people's preference regarding the balance of news vs finance fundamentals?
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Sam Altman was booted from OpenAI, had nearly every employee of the company threaten to walk out with him, and is now back as CEO in less than a week with a new board in place...
Who says corporate governance news is boring?
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People keep commenting that my focus was off in the latest video (only temporarily). That's fake news - I just wanted people to appreciate the sign.
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I hope 2022 has demonstrated that just because someone’s willing to give their two cents on a subject in front of a camera doesn’t mean they are qualified to do so. Confidence is not the same as competence.
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1000 subscribers = 0.0007% of their subscription base, just to add some context to this… I don’t own $DIS, but seems a bit like a non-story
JUST IN: Thousands of users are canceling Disney+ subscriptions after Elon Musk told CEO Bob Iger to "go f*ck yourself" for blackmailing him over advertising on X.
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You know, there’s a great video that was JUST posted about Blackrock this past weekend, it has a lot of helpful information if you’re willing to watch for the 15 minutes 😊
"If you look at who owns CNBC, who owns FOX, and who owns CNN, At the top of the shareholder list, you have Vanguard and BlackRock"
"Then you look at the manufacturers : Pfizer, Johnson & Johnson, and Moderna. Who are the top shareholders of those companies?"
And they all vote…
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Can someone tell me what this market indicator means?
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I think I'll take a quick break from posting in January - a few life events have put me behind on my videos, and I'd like to spend the holidays focusing on family. I appreciate all of your support, I'll still be seeing you throughout December.
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I’ll be putting out a video on SVB this weekend. Stay tuned.
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There’s an account on X (
@theplain_bagel
) pretending to be me. Worse than it’s attempts to scam people are the hustle culture tweets it’s posting in my name (I’m devastated, but healing). To make things easy: The Plain Bagel will never solicit investment products or crypto.
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Safemoon executives were arrested, and SBF was found guilty on all charges. It's a week of reckoning in the crypto space
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Overtime, my videos have become a lot less editing intensive (on top of a full time job, I now have two boys!). My flashy animations have turned into pretty simple edits. Views haven't been impacted, but I want to ask - do people miss the older video style, or is simple better?
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I’m often asked what books I’d suggest for absolute beginners, and I’ve never had a great answer, but I was sent a copy of
@BrianFeroldi
’s Why Does The Stock Market Go Up?, and after reading it I’d definitely recommend it for anyone starting from square one 🙂. Well written!
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Yes, US credit card debt has reached a record of $1T.
No, it's not indicative of a consumer debt crisis - consumer debt as a percentage of total bank deposits is at 6%, it's lowest level in 20 years according to Axios.
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@coffeebreak_YT
I get that Kevin's probably choosing his words carefully for legal reasons, but highly disagree that influencers should not take responsibility for viewers following their "product advice" (AKA financial advice). He's now registered as an advisor, he can't really use that defense
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Online investing courses aren't inherently scams, but a lot of them are far too expensive. It's one thing if you want to support a creator, but there are much cheaper ways to learn about investing...
...and most people don't need to learn stock picking.
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What are people’s thought on my channel covering the news?
On the one hand, I often try to de-sensationalize the headlines I think are impacting investors.
On the other hand, headlines are a terrible source of noise and are often better ignored.
Would appreciate any feedback!
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My latest video reached
#21
on trending! I’m very proud of this one, and while a bit of a more gloomy topic, it was nice to cover a Canadian topic. You can watch it here if you haven’t already:
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The number of people replying to this thinking it’s legitimate is mind numbing
BREAKING🚨 Biden's 2025 budget is very bullish on
#Bitcoin
, the White House expects $250k by 2035.
They are counting on it for their tax revenues!
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I’ve got a strong feeling we won’t have any crypto super bowl ads next year
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I enjoy covering interesting market updates on the channel, but it's important to highlight that this stuff doesn't really matter to long-term investors. I feel like a broken record saying this, but if you're investing for the long-term, don't trade based on the day-to-day.
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Just to be clear, Canada is not imposing a 66.7% tax on capital gains. It’s increasing how MUCH of an investor’s capital gains (historically 50%) are subject to income tax. The tax rate depends on your tax bracket.
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I was just served a brutal, scammy YouTube ad about using ChatGPT to day trade... video coming out next week on it
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People are already calling for rate cuts in 2023, and because of high debt levels that could very well happen, but it's worth remembering that by pre-2008 standards, we are still in a low-rate environment. The Federal Funds rate was around 5% during the dot com bubble.
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First video of 2023 out tomorrow. It'll be...interesting
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Huh, didn’t realize I’d be timing my Blackrock video so perfectly to a bunch of Fintwit users tweeting about these companies ruling the world. If someone hosts a Space on the topic, please let me know, I’d love to speak on it
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I also just finished
@morganhousel
’s The Psychology of Money (been reading a lot during the holidays). A solid piece on how we should “treat” our money and investments, and offers good insights into why people fail to manage their finances and predict the market.
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Look on the bright side - if crypto stays down we'll all be able to afford graphics cards for our computers.
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No matter how much promise you think
#Bitcoin
has, it is not a stock, and there is no profit-based "intrinsic" value for it to normalize to. Don't let people convince you they know where it's going - plenty of pundits promised we'd be at $100K+ by now.
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Another round of checkmarks on Twitter and I’m still unverified
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ApeFest (convention dedicated to the BAYC NFT) allegedly used intense UV lights at one of its events, hospitalizing over a dozen attendees, with some experiencing temporary blindness.
Never thought I'd be adding "loss of eyesight" to the risks of buying NFTs.
Apes, we are aware of the eye-related issues that affected some of the attendees of ApeFest and have been proactively reaching out to individuals since yesterday to try and find the potential root causes. Based on our estimates, we believe that much less than 1% of those…
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What’s a bagel gotta do to get a free Twitter checkmark around here?
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In light of the FTX situation, if a finance creator is ever questioning whether or not to work with a finance brand moving forward, but they don’t fully understand the risks, my DMs are open. No judgement, 100% confidential. I want better for the space
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It's a scary time in the markets, but if you did your research, didn't take on excessive risk, and managed your own liquidity needs, it's just part of being a long-term investor. The sky isn't falling, it's just stormy weather.
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😂
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Who are the most underrated finance personalities, YouTube, Twitter, or elsewhere?
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The S&P 500 is down ~16% for 2022 so far. That sucks, but from the height of Feb 2020 (before the pandemic crash), the market is still up an average of ~10% annually, in-line with it's long-term average.
Something to keep in mind if you find yourself discouraged with stocks.
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When 90% of the discussion around something is just on its price, it’s a speculative bubble
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When times are good, it’s important to be reserved and to avoid overconfidence. When times are bad, it’s important to be steadfast, but also to avoid overconfidence.
Humility is rare, and surprisingly helpful with investing.
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Tough day in the market, but if you're diversified and investing for the long-term, remember to zoom out - 10-30 years from now, do you think your portfolio will remember March 9, 2023?
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It’s frustrating when a stock you own falls despite the underlying business doing well, but that’s the stock market for you. Don’t let price be what validates your decisions.
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@coffeebreak_YT
Worth noting, this is the same guy suing EVERYONE who promoted FTX, including Tom Brady. Sounds like they're just seeing what sticks. Still, wild amount...
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This hype around AI really just seems to be because text/speech applications offer a more palpable example of the tech's capabilities. It's already a deeply integrated technology in a number of fields; you'd be shocked what AI systems were doing for businesses 5 years ago.
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In his defense, he does have 21 days left.
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Come join me for the premiere of my latest video on dividend irrelevance:
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@LynAldenContact
Not a bad idea to zoom out, but 10 years really isn't long enough to determine a long-term trend here. Bitcoin quite literally has never existed in a high interest rate environment. Rates play such a big role in the value of fiat, it's going to matter for bitcoin.
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Decided to do a “day in the life” video to give a sneak preview of my daily routine, enjoy!
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My biggest integrity flex is turning down a sponsorship for a free "theatre-style" leather sofa set with cup holders and LED lights because I didn't want to sell something I wouldn't buy otherwise...
But sitting here on my $15 Ikea chair, I wonder if I made the right choice.
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I just got offered $2400 to TWEET about an NFT project...
And we wonder why celebrities are backing random projects.
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Elon Musk is backing out of his Twitter purchase, and the company’s response is no tacksies backsies. I don’t think university prepared me for this stock market drama
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Merry Christmas, from your favourite bagel fam! Enjoy the holiday, spend time with family if possible, and be kind. 🎄
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You either die a hero, or live long enough to see yourself become the villain...
New video up in an hour
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I might be a little late to the "breaking news," but I'll put out a video on Friday on the Evergrande situation. I appreciate the patience 🙏
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