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 Wisdom of the Market ?


Last night, I toyed with writing a blog that said the market would open today — up or down — depending on four things that would occur before the opening.  On Thursday night, Google would announce its earnings and China would announce its GDP growth rate for the first quarter.  This morning, both JP Morgan … Continue reading The Wisdom of the Market ?

Here We Go Again . . . ??


For the third year in a row, the rites of Spring include a European panic attack.  Today, it became clear that Spain is going down the same trail as Greece.  While their interest rates have not reached earlier highs, the spread between their rates and the rates of Germany have reached a record high.  The … Continue reading Here We Go Again . . . ??

Borrowing Jobs


Congress is very good at one thing, i.e., borrowing from the future.  Apparently, so does the weather! The Department of Labor released their monthly Jobs Report this morning, and it was disappointing.  Most expectations were that the economy created about 200 thousand jobs in March, down from about 240 thousand in February.  Instead, only 120 … Continue reading Borrowing Jobs

Gallows Humor


For those readers old enough to remember privacy, you might just need something to smile about, and I’d recommend you click on or copy/paste this link:     It is a humorous column written by Eric Hague about Google’s relentless pursuit of every piece of personal information about you. By the way, I no … Continue reading Gallows Humor

The 1% of the 1% of the . . .


The most enduring contribution of the almost memorable Occupy Wall Street movement to the American lexicon is . . . the notion of the 1% vs. the 99%.  You know —  that is the notion that 99% of Americans suffer because the 1% has all the wealth and repress the poor 99%. Now, suppose you have … Continue reading The 1% of the 1% of the . . .

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