The Flinchum File

Thoughtful Economic Analysis and Existential Opinions
Subscribe to the Flinchum File
View Archives

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.

Turning The Corner?


Brilliant professionally and affable personally, my favorite investment guru is Jeremy Seigel of Wharton.  I follow his thinking often.  While he is not yet predicting it, he would not be surprised if the stock market entered correction territory, which is a 10% fall.  He feels this is possible due to the lack of breadth, that … Continue reading Turning The Corner?

Currency Killer?


For years, China was known as a “currency manipulator” which is a pejorative in international finance akin to “cop killer” in polite society.  Never willing to admit they stopped doing something they always denied, China began unofficially pegging their currency, the yuan, against the dollar. Once the U.S. stopped quantitative easing and Europe, along with … Continue reading Currency Killer?

God Bless Satelites?


The Newseum is a wonderful museum dedicated to explaining the industry that reports news (in exchange for advertising dollars, of course).  Originally located in Rosslyn, Virginia, across the Potomac River from the nation’s capital, it was relocated inside the District a few years ago. One exhibit in particular fascinates me.  They are able to download … Continue reading God Bless Satelites?

Seven Days & NOT Counting


After seven straight down days on Wall Street, which hasn’t happened in four years, it is time to remember a few definitions.  First, there are both bull and bear markets, which means the trend is for the market to be going either up or down, respectively. Second, there are bull market corrections and bear market … Continue reading Seven Days & NOT Counting

No Miss America . . .


. . . will ever rival the breathtaking beauty of Alaska on a sunny day . . . WOW !!

Bottomless Oil Pit


Financial analysts fall into two broad, very broad, categories.  First, there are the fundamentalists like myself, whose forecasts reflect their reading, their correlation of facts with data points,and that certain cynicism grown from long experience.  Second, there are the technicians or chartists, whose forecasts reflect their ability to read many highly technical graphs.  While I … Continue reading Bottomless Oil Pit

We are a fee-only advisor providing best interest fiduciary services to clients
in Chesapeake, Newport News, Norfolk, Suffolk, Virginia Beach, Williamsburg, and the surrounding areas of Hampton Roads.


Contact Us Bottom