The Flinchum File

Thoughtful Economic Analysis and Existential Opinions
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Welcome to The Flinchum File

I am an Accredited Investment Fiduciary at Bay Capital Advisors, an investment firm headquartered in Virginia Beach, VA. After retiring from Truist Bank, I started this firm to work more closely with a smaller number of clients, and it has been great! Our client load is about 25% of the national average.

Writing is not for the shy or the meek. It exposes a person’s mind and character. I hope you enjoy the view.

The Linebacker and the Cheerleader


Given my belief that Congress is inhabited by useless children who would rather fight than win, I often need to be reminded that it has actually passed two important bills to deal with the economic crisis. First, during the waning days of the Bush Administration, it did pass TARP, albeit on the second try.  Although the … Continue reading The Linebacker and the Cheerleader

A Graph = 1,000 Words


Take a look at this graph.  The job problem is different than most investors think.  First, you will notice the graph covers only normal recessions, not any of the financial panics.  Second, job growth after recessions did not return to the “average” after 2001.  We have been growing jobs below trend for ten years already.  Third, … Continue reading A Graph = 1,000 Words

Don’t Touch That Dial!


The world deserves a long holiday weekend!  After a horrific August, the worst since 2001, we head into September, which is historically a very bad month for the stock market.  The first day was a down day for the market, as the European tail wagged the U.S. dog again.  Decision-making in Europe actually makes Washington … Continue reading Don’t Touch That Dial!

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