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 opinions expressed in The Flinchum File are those of the writer, Jim Flinchum, and do not necessarily reflect those of Bay Capital Advisors, LLC

Ushering

As we usher out 2016 and usher in 2017, my thoughts turn to difficult transitions.  Which is more difficult:  ushering a child into the world or ushering a parent out of it? The processes of ushering in versus ushering out are very different.  The first is largely a happy process, while the latter process is difficult. With a child, you enjoy watching them develop their…

Drum Roll,Please

It is always amusing to see which blog posts were most popular during the year.  For 2016, the third most popular was “The Lehman Line” on October 22nd, when I worried about the probability of Deutsche Bank posing a systemic risk to our financial system. The second most popular was “The Only Game in Town” on May 19th, when I explained why the stock market…

You Look Marvelous?

If somebody said to you that you looked really great today, would you feel good or would you immediately panic that someday you will not look great? With the market hovering near all-time highs, you would think people would feel good.  Instead, “all-time high” must be some code word for immediate crash. The market has been hovering just below the 20,000 milestone for ten days…

Cost of a Strong Dollar

With the U.S. being the only nation that is actually raising its interest rates, it is not surprising that foreign savers are buying dollars, to move their savings and take advantage of the higher rates here.  However, the dollar has increased almost 5% over the last year, making dollars more expensive for foreigners to buy.  So, expect foreign inflows to decrease. A strong dollar, that…

Better In Theory

I have been a fan of Ayn Rand for a half century and think I have read everything she ever published. She is the mother of Libertarians and their philosophy of the rugged, determined individual standing against the forces of conformity in general and government in particular. That is not surprising considering she was a Russian refugee from Stalin’s repressive regime. Her vision of mankind…

Better In Theory

I have been a fan of Ayn Rand for a half century and think I have read everything she ever published.  She is the mother of Libertarians and their philosophy of the rugged, determined individual standing against the forces of conformity in general and government in particular.  That is not surprising considering she was a Russian refugee from Stalin’s repressive regime.  Her vision of mankind…

2016 Lesson Learned

The last week of each year is probably the most intellectually satisfying week of the year. It forces introspection, because it is both retrospective and prospective – a retrospective look at the year-ending and a prospective look at the year-approaching. It begs the question of what did you learn this year that will help next year? For 2016, my love of and my distrust of…

2016 Lesson Learned

The last week of each year is probably the most intellectually satisfying week of the year.  It forces introspection, because it is both retrospective and prospective – a retrospective look at the year-ending and a prospective look at the year-approaching.  It begs the question of what did you learn this year that will help next year? For 2016, my love of and my distrust of…

2017 Transitions

The under-appreciated research department in the over-appreciated investment house of Goldman Sachs list four themes or transitions during the next year. They are (1) globalization transitioning to populism, (2) monetary policy transitioning to fiscal policy, (3) regulation to deregulation, and (4) stagflation to inflation. These are not minor transitions and will take longer than any one year. We have reached a “tipping point.” First, it…

2017 Transitions

The under-appreciated research department in the over-appreciated investment house of Goldman Sachs list four themes or transitions during the next year.  They are  (1) globalization transitioning to populism, (2) monetary policy transitioning to fiscal policy, (3) regulation to deregulation, and (4) stagflation to inflation.  These are not minor transitions and will take longer than any one year.  We have reached a “tipping point.” First, it…

Paging Ronald Reagan . ..

When I got out of the Army, I was well-steeped in the core belief of Special Forces that “the ultimate weapon is not the atomic bomb but is a guerrilla fighter.” It is the belief that isolated, unpredictable acts of savagery can bring down a nation more cheaply than a fleet of B-52’s. Also, when I got out of the Army, I knew my future…

Paging Ronald Reagan . ..

When I got out of the Army, I was well-steeped in the core belief of Special Forces that “the ultimate weapon is not the atomic bomb but is a guerrilla fighter.”  It is the belief that isolated, unpredictable acts of savagery can bring down a nation more cheaply than a fleet of B-52’s. Also, when I got out of the Army, I knew my future…

0.25 and 20,000

Q. – What do these two numbers have in common? A. – Neither really matters! Yesterday, the Federal Open Market Committee of the Fed decided to raise short-term interest rates by a quarter of one percent. That is the same thing they did in December of last year, when they incorrectly predicted three more rate increases in 2016, just like they predicted three more in…

0.25 and 20,000

Q. – What do these two numbers have in common?A. – Neither really matters! Yesterday, the Federal Open Market Committee of the Fed decided to raise short-term interest rates by a quarter of one percent.  That is the same thing they did in December of last year, when they incorrectly predicted three more rate increases in 2016, just like they predicted three more in 2017,…

Jumping Over Trump Tower

Traditionally, presidents receive more blame than they deserve for bad economic times and more credit than they deserve for good economic times. While President George W. Bush can be fairly criticized for other things, he has received more blame than he deserves for the Great Recession of 2008. After all, he had little to do with the financial deregulation of the 1990’s or the housing…

Jumping Over Trump Tower

Traditionally, presidents receive more blame than they deserve for bad economic times and more credit than they deserve for good economic times.  While President George W. Bush can be fairly criticized for other things, he has received more blame than he deserves for the Great Recession of 2008.  After all, he had little to do with the financial deregulation of the 1990’s or the housing…

Chicken? Or Egg?

As EVERYBODY knows, the stock market is booming!  Some people think America has finally hit the Reset Button.  Some think this booming market is merely a result of the traditional good-feeling around a White House rotation to a new president.  Some think it is just a another “Santa Claus Rally” but one on Trump steroids.  Some think it is the justifiable belief that corporate tax…

Chicken? Or Egg?

As EVERYBODY knows, the stock market is booming! Some people think America has finally hit the Reset Button. Some think this booming market is merely a result of the traditional good-feeling around a White House rotation to a new president. Some think it is just a another “Santa Claus Rally” but one on Trump steroids. Some think it is the justifiable belief that corporate tax…

Limits of Rivalry

Why can’t dogs and cats just get along? I attended a viewing party for the classic Army-Navy football game yesterday.  That rivalry is far more than just another college game.  For the cadets of West Point and the midshipmen of Annapolis, it is the only match-up that really matters.  Either team would gladly lose every other game IF they could just win this one game.…

Limits of Rivalry

Why can’t dogs and cats just get along? I attended a viewing party for the classic Army-Navy football game yesterday. That rivalry is far more than just another college game. For the cadets of West Point and the midshipmen of Annapolis, it is the only match-up that really matters. Either team would gladly lose every other game IF they could just win this one game.…

TWTEWTW

Gray-haired readers may remember the brilliant NBC show during 1964 and 1965, hosted by David Frost, with the clumsy name of That Was The Week That Was or TWTWTW or TW3.  Sometimes, a weekly perspective helps, so here goes . . . On Monday, we learned that the Institute of Supply Management’s closely-followed Non-Manufacturing Index reached 57.2, the highest this year.  We also learned that…

TWTEWTW

Gray-haired readers may remember the brilliant NBC show during 1964 and 1965, hosted by David Frost, with the clumsy name of That Was The Week That Was or TWTWTW or TW3. Sometimes, a weekly perspective helps, so here goes . . . On Monday, we learned that the Institute of Supply Management’s closely-followed Non-Manufacturing Index reached 57.2, the highest this year. We also learned that…

Enough Already !

Historically, the stock market rallies, following a presidential election, until the inauguration in January, when the dismal political reality arrives.  If Clinton had won the election, I suspect that rally would have been minor, as the market already expected her to win and had priced that into market prices.  If Trump won, I predicted the market would experience a sharp dip and a quick recovery.…

Enough Already !

Historically, the stock market rallies, following a presidential election, until the inauguration in January, when the dismal political reality arrives. If Clinton had won the election, I suspect that rally would have been minor, as the market already expected her to win and had priced that into market prices. If Trump won, I predicted the market would experience a sharp dip and a quick recovery.…

Need Sunglasses ?

It was President Harry Truman who famously begged for a “one-armed economist.”  He was desperate for economic advice that did not end with “on the other hand.”  He needed hard actionable advice, not polite intellectual advice.  I suspect he was seeking advice from academic economists, not business economists. Members of the National Association of Business Economics are used to giving actionable advice, and I have…

Need Sunglasses ?

It was President Harry Truman who famously begged for a “one-armed economist.” He was desperate for economic advice that did not end with “on the other hand.” He needed hard actionable advice, not polite intellectual advice. I suspect he was seeking advice from academic economists, not business economists. Members of the National Association of Business Economics are used to giving actionable advice, and I have…

Weekend Worry Assignment

Some people are just wired to worry, and nothing worries them more than NOT knowing why they are worried.  Take a look at the recent U.S. economic data: 1.  The ISM data shows manufacturing, long thought dead, is actually “firming”.2.  Construction spending is also bouncing back.3.  Consumer Income, Consumer Confidence and Consumer Sentiment are all increasing.4.  Third quarter GDP growth was a surprisingly solid, robust…

Weekend Worry Assignment

Some people are just wired to worry, and nothing worries them more than NOT knowing why they are worried. Take a look at the recent U.S. economic data: 1. The ISM data shows manufacturing, long thought dead, is actually “firming”. 2. Construction spending is also bouncing back. 3. Consumer Income, Consumer Confidence and Consumer Sentiment are all increasing. 4. Third quarter GDP growth was a…