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.

Good Company


Conventional wisdom is a dangerous thing.  For generations, investors have been told that bonds are always safer than stocks, which is WRONG, WRONG, WRONG!  Today, the popular “retirement-date funds” just allocate a greater and greater portion of a person’s portfolio into bonds as they get older, which should be WRONG, WRONG, WRONG!  Investors think they … Continue reading Good Company

Advertising, Responsibility, and Existentialism


Recently, I discussed the pervasive nature of advertising in our society — hoping to drive home the point that business wouldn’t spend billions of dollars on it, if it didn’t actually channel consumer behavior.  This has generated some interesting discussion; questioning whether it is consistent with an existential viewpoint. You’ll recall the stereotype of existentialism … Continue reading Advertising, Responsibility, and Existentialism

The Darling of Austerity-Fatigue


There are many schools of thought on economics.  For convenience, this blog has always focused on The Big Three.  First, there is the Austrian or “Tough Love” school that says budgets should be balanced at all times.  Second, there is the Keynesian school that says deficits are good during bad times as long as the … Continue reading The Darling of Austerity-Fatigue

Your Digital After-Life


Ricky Rash was a 15-year-old kid who committed suicide.  His grieving parents wanted to understand what was in his mind before he died.  Understandably, they wanted to see what he was saying and doing online.  But legally, the online companies like Facebook, Yahoo, etc. could not allow any cooperation. So, what happens to your online … Continue reading Your Digital After-Life

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