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.

Gold’s Complex Relationships


Given that the world was supposed to have already ended this month, according to the long-dead Maya, and given that America is supposed to end in a few days from stumbling over the Fiscal Cliff, according to the way-too-lively Media, it is a wonder that gold has declined in value over the past few months. … Continue reading Gold’s Complex Relationships

Gripping Reality


Like most people, I remember when President Kennedy was shot.  It was a terrible tragedy, indeed!  But, America grieved, pulled itself together, and continued to be America. I also remember when America cared about “who shot JR?”  It was a manufactured media event and made the word “media-hype” commonplace. Shooting the President was horrible, while … Continue reading Gripping Reality

Paratroopers and Idiots


It was a cold February morning in 1968 that I jumped out of a perfectly good airplane.  As an officer, I had to be the first one to jump out, ostensibly to show my men I was not afraid.  Of course, that was not true.  I was very afraid, but I was completely resolute to … Continue reading Paratroopers and Idiots

Economists on Sesame Street ??


In 1946, Dr. Benjamin Spock published his classic book on child-rearing and raised my generation.  In 1969, Jim Henson came on the television with his classic show Sesame Street and raised my daughter’s generation.  One of the most annoying characters on that show was Count von Count, who insisted on counting everything and then telling everybody … Continue reading Economists on Sesame Street ??

WinterFest 2012


At the end of another long, exhausting year and facing yet another cold, dark winter, it is not surprising that the first type of clinical depression cataloged by psychologists was seasonal depression, occurring this time every year.  Different societies have long recognized the extra need for merriment at this time of year.  So . . … Continue reading WinterFest 2012

2013 Christmas Wish


What is the most powerful business or industry in this country?  No, it is not the defense industry, even though it can blow everything into tiny pieces whenever it likes.  No, it is not the political business, even though it can destroy everything we love and cherish.  No, it is not the religion business, even … Continue reading 2013 Christmas Wish

The Serenity of Falling ??


In our rush to fall over the Fiscal Cliff, I took a wrong turn onto Memory Lane and ran into the classic 1991 video by Chris Isaak called “Wicked Game” — where he was so blissfully serene about falling . . . in love . . . if not into recession, like us?  If the … Continue reading The Serenity of Falling ??



As a boy, I remember my parents fretting over whatever I was reading — fearful I suppose that I would read something that would send me careening down that “broad and well-traveled road.”  Yet, there was no shortage of reading materials that “all is lost,” and  America is lost!  There were relentless parallels between the … Continue reading Declinology

Choosing Greatness . . . I hope!


When he was running for the Democratic nomination in 2008, President Obama said he wanted to be a “transformational President” like Reagan, i.e., one who changes the trajectory of history.  I hope he still wants that, because he now has the opportunity. It is now clear that taxes will increase for both the successful and … Continue reading Choosing Greatness . . . I hope!

Favorite Professor


When I was studying at Wharton, my favorite professor was Dr. Jeremy Siegel, author of The Future for Investors, and I have followed him closely ever since. In his latest commentary, he thinks that, while there are problems with the latest Jobs Report, it is clear that the economy continues to improve. More interestingly, he … Continue reading Favorite Professor

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