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

Fooling Wall Street

Sometimes, children are afraid of the “monster” hiding under their bed – an honest fear but irrational.Americans tend to be afraid of the inflation “monster” hiding in economic data – an honest fear but irrational.Inflation has already dropped from 9% to 3%, but some expect inflation to drop smoothly and predictably.Because inflation actually increased slightly last month, they are afraid inflation is exploding? NOPE! Higher…

Hero Worship

As a boy, my hero was Davey Crockett, who famously defended the Alamo in 1836, using the butt of his rifle after his ammo was exhausted. As a teenager, my hero was my father, who was part of the Normandy Invasion during World War II and spent his first night on French soil sheltering from falling debris, under a German jeep with the corpse of…

Pleasant Surprises

Like most people, I am disgusted with most people. Sometimes however, it takes a gentle splash of warm water in the face to remember that most people are indeed warm and good. During a recent trip to the Amazon jungle, I was crossing one the rope bridges so common there when a misstep caused a groin pull – not the worst one ever but enough…

Recession or Vibecession

Some things never change, such as – the incumbent political party says the economy is doing great, while the opposing party says things are terrible. That’s normal. While the majority of economists, myself included, predicted a mild recession at worst, it looks like economic conditions are indeed stronger than any of us anticipated. Here’s what is unusual: Less than half of the American people believe…