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.

Whittling Worries Away


Every Wall Street analyst knows the stock market normally falls during the Fall, with Septermber/October being particularly ugly before rising at year-end.  This year, however, history may not be a reliable guide to the future.  After a lousy August, September has already gotten off to a great start.  Why? Have corporate earnings suddenly improved dramatically? … Continue reading Whittling Worries Away

Sound of Silence


I love my wife!  Yes, I know that is a bizarre way to begin a blog.  Of course, after the next sentence, every husband knows why I opened with . . . “I love my wife.” When she informed me she was going to Houston to see family, my first thought was serenity, and I … Continue reading Sound of Silence

Certainty Denied !


Friday’s Jobs Report was widely anticipated.  Wall Street was holding its breath.  It has been tying itself into knots worrying that the Fed was about to “take the punch bowl away” or start tapering quantitative easing (QE).  A good Jobs Report will be the trigger to start this tapering or reducing the amount of QE … Continue reading Certainty Denied !

Losing Sleep Over Syria ?


Interestingly, I have received a surprising amount of feedback that yesterday’s blog, which listed my concerns for the market this Fall, did not include anything about Syria.  The reason is that I don’t expect anything to happen, i.e., that the U.S. will not attack Syria. I wish the President had immediately lobbed a couple of … Continue reading Losing Sleep Over Syria ?

Decreasing Uncertainty ?


Readers know I have been concerned about the market over-reacting this Fall to the rising uncertainty. The primary cause of this uncertainty is the impact of the Fed tapering its quantitative easing (QE3).  We will know much more about it on Friday when the monthly “Jobs Report” is issued.  If the economy created over 200 … Continue reading Decreasing Uncertainty ?

Barack O’Claus


Thank you, Mr. President, for the early Christmas present!  As someone who had come to the reluctant conclusion that Congress was a failed institution that needed to be “repealed and replaced,” it was refreshing to witness the behavior of our Elected Children — after you tossed Syrian question to them.  They actually acted like adults, … Continue reading Barack O’Claus

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