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

Awkward

Any American close to an English friend faces this annual dilemma: How do you share the fun-spirit of our Independence Day from England, with our English friends? Most Americans just exclude those English friends.Some Americans just offer a ceremonial hot dog & cold beer to anybody with a British accent.I’ve found the Brits are fine with anything, as long as they can laugh about how…

God bless America

I pray that God continues to bless All Americans!Young or old, tall or short, smart or dumb . . . all Americans!All Christians, Jews, Muslims, miscellaneous, and atheists too!All colors too – black, white, brown, yellow or pink. I pray that God blesses Republicans and Democrats . . . who drive us all crazy.All politicians who are patriotic, instead of partisan.All government workers, who are…

In the dark . . .

Just like real people, long-time students of the stock market have their favorite movies. Remember “The Graduate”, a 1967 romantic comedy? There is one scene early in the movie where Dustin Hoffman is cornered by a drunk (?) stockbroker at a cocktail party, who repeatedly whispers the one word “plastics”, suggesting that is THE future industry to be invested in. The audience laughed at such…

Sundown

Don’t telephone my 100-year-old father after 5PM! He is asleep by that time. As a boy, I remember that he kept a more normal sleep schedule. His bedtime was 9-10PM. As he aged, he went to bed earlier and earlier, which is not uncommon for the elderly. However, I have recently learned there is such a thing as “sundowning”, which is a little understood set…