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 Deed, Crazy Consequence

03/13/2014

Sometimes, it takes awhile to find and identify the devil hiding in the details.  Back in December, demonstrators were in the streets of Kiev, pushing out the pro-Russian government.  To make themselves less unattractive, Russia then agreed to make a $3 billion loan to the Ukraine.  While it was odd that the loan was in … Continue reading Good Deed, Crazy Consequence

The Full Circle of Paranoia

03/09/2014

Back in the early 1970s, there was a series of four full-length motion pictures loosely centered on the character of Billy Jack, who was a half-Indian, ex-Green Beret, who was a closet or “teepee” existentialist.  Because death was his ever-present occupational companion, there was that easy familiarity, helping him to learn emotional detachment from everyday … Continue reading The Full Circle of Paranoia

Regulating The Next War

03/07/2014

There are worse things than losing a war.  One is to keep fighting a war that is already lost.  The war to re-regulate the financial system has been lost, and we need to quit fighting it. Following the global financial crisis of 2008/9, it was not surprising that Congress laboriously constructed a new set of … Continue reading Regulating The Next War

Thinking About Keystone

03/06/2014

Democrats argue we must mitigate the effects of climate change.  Republicans agree — but add we shouldn’t spend any money until at least 100% of climate scientists agree on the causes and solutions. As someone who lives on a beach and doesn’t know a single climate scientist or climatologist, all I do know is that … Continue reading Thinking About Keystone

Wobbling Weebles

03/03/2014

Everybody remembers the old Hasbro TV commercial that “weebles wobble, but they don’t fall down.”  That’s how I felt when I watched stock markets around the world this morning.  Virtually every market in every nation is down and down sharply.  Of course, this is a reaction to the Russian invasion of Crimea over the weekend. … Continue reading Wobbling Weebles

Don Quixote Was Not a CFP

03/01/2014

There is a serious effort underway to get more financial advisors to run for public office.  It is a fairly safe assumption that the vast majority of financial advisors are at least vaguely familiar with sound financial practices, as well as investment vehicles.  In fact, the fee-only financial advisors are even intimately familiar with the … Continue reading Don Quixote Was Not a CFP

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