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.

For What It May Be Worth


I just listened to the chief U.S. economist for Barclay’s Capital.  He is predicting the S&P, which is now 1244 will drift down to 1150 by next summer but end the year at 1330, which would be a dramatic turnaround indeed. Earlier this morning, I listened to the chief European economist for Barclays in Europe … Continue reading For What It May Be Worth

A Coalition of the Willing . . .


Overnight, Asian markets were mixed but generally up.  The European markets are decidedly positive.  The futures indicate the Dow will gain about 90 points at the 9:30AM opening.  After a record-breaking week, it is encouraging to see investors are buying risk, before the European summit this week.  You will recall the European leaders promised resolution … Continue reading A Coalition of the Willing . . .

Drum Roll, Please . . . Ho Hum


The monthly Jobs Report issued by the Department of Labor is the most closely watched economic report every month.  It is issued the first Friday of each month, i.e., Today! Before the Report was announced, the futures market indicated the Dow would gain about 130 points at the open. Economists were expecting 125 thousand jobs … Continue reading Drum Roll, Please . . . Ho Hum

Happy December


Yesterday, the market closed out a very volatile November with a roaring 490 point gain in the Dow.  Today, we start the month of December, which is historically kind to the market.  In fact, December is positive 80% of the time.  The average gain is an impressive 2%.  The last time we had a negative December was … Continue reading Happy December

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