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

Newton’s Dumb Law

Since 1687, one of Issac Newton’s “Laws of Motion” has been, loosely speaking — there is an equal but opposite reaction. Maybe, that was also the birth of binary thinking. Longtime readers will recall that my blog posts in late 2015 and 2016 about Donald Trump were not popular with the MAGA crowd. I wrote then and still believe that he is a egocentric egotist,…

Describing Elephants

It is often joked that economics is like two blind guys trying to describe an elephant. Blind Democrats and Blind Republicans often “see” things differently. The Blind Democrats can see that: (1) GDP growth is better than expected, (2) inflation is falling faster than expected, (3) unemployment remains remarkably low, (4) the stock market, especially tech stocks, is booming. The economy is doing fine! Of…

The Credit Gods

Just suppose you had a good credit score of 760, but you want to improve it to 800, an excellent score which few people achieve. So, you hire a financial planner, who tells you where to live, who to have dinner with, who your kids should play with, where your spouse should shop, what church you should attend, etc. Expecting to see your credit rise,…