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 Bad News and The Good News


When is good news really bad news?  The unemployment rate just dropped from 8.3% to 8.1% of the workforce.  That must be good news?  Nope! The latest monthly Jobs Report, prepared by the Department of Labor, was issued this morning.  Economists were expecting about 125 thousand new jobs to be created last month.  Instead, it … Continue reading The Bad News and The Good News

A New Tool In The Toolbox


Understandably, economists are always asked about the economy.  We rely on our training, and our experience, while trying to be mindful of our philosophical leanings between the Austrian, the Keynesian, and Supply-side schools of economics. Some try to avoid the discussion by relying on “technical analysis,” which means lots of charts and spooky terms like … Continue reading A New Tool In The Toolbox

BTW on Labor Day


From my window on Labor Day, I can see many Americans enjoying the beach.  Meanwhile in Europe, the leader of Germany has finished hiking the Alps, and the leader of France has returned from the Rivera to cobble together enough agreement to end their financial crisis.  At least, I hope so . . . it’s … Continue reading BTW on Labor Day

Thank Goodness for Ava Gardner


There was an informal survey of financial advisors on CNBC yesterday, showing an over-whelming 68% of us think the most important event this year will be the November election.  I guess all those financial advisors watched the Republican Convention last week and are looking forward to the Democratic Convention this week . . . not … Continue reading Thank Goodness for Ava Gardner

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