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.

Hidden Nuggets

01/06/2018

Each month, the Department of Labor issues their “Jobs Report” on the first Friday.  Most people just look at the number of jobs created and the rate of unemployment.  In the latest, for example, it was 148 thousand and 4.1% respectively. Buried inside, there were other numbers of note.  First, there was the U-6 level … Continue reading Hidden Nuggets

Take This Job And Shove It

01/05/2018

There was a minor earthquake yesterday in San Francisco.  It is NOT true that the earthquake was caused by the millions and millions of Millenials, who were rolling their eyes when they heard that Attorney General Jeff Sessions had given license to the U.S. Attorneys across the country to begin prosecuting marijuana cases again.  Generally … Continue reading Take This Job And Shove It

Marathon Bulls

01/04/2018

The bulls have been running on Wall Street for nine years.  They should be tired, but they apparently are not.  Generally speaking, as long as profits continue to increase, the stock market should continue to increase.  Decreasing tax expense means increased profit (unless the money is allocated to other expenses like labor).  In addition, the … Continue reading Marathon Bulls

Fake People, Not Fake News

01/02/2018

Most Federal agencies are required to solicit feedback from the public before making any significant change in regulation.  When the Federal Communications Commission (FCC) was preparing to eliminate net-neutrality, they first solicited public opinion.  Afterwards, it was discovered that about a tenth of the opinions expressed were bogus.  Many people were surprised to learn they … Continue reading Fake People, Not Fake News

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