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.

Fake Argument

11/10/2019

The President has been arguing that China needs a trade deal more than the U.S. needs a deal.  He correctly pointed that that China’s external debt has increased dramatically from $1.3 trillion to $2.0 trillion in only three years.  That is not a “fake fact” but can be misinterpreted.  However, because most financial crises begin … Continue reading Fake Argument

Dear Santa,

11/08/2019

All I want for Christmas . . . is an end to all this impeachment coverage on the news.  Of course, it is important, but it is not the only important news.  Whatever happened to the Kurds?  Why did the French president call NATO “brain-dead”?  Why has the Russian economy NOT collapsed?  Is there life … Continue reading Dear Santa,

109 Straight Months

11/04/2019

Like a hot shower at the end of a long day, Friday’s monthly report on the labor market was simply refreshing.  Following the slow drain of a lingering trade war, declining GDP growth, a badly weakened manufacturing sector, a major strike at GM, falling consumer confidence, and slowing job creation, our country still produced 128 … Continue reading 109 Straight Months

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