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.

In A Time of Dudes


Yesterday, about thirty people gathered around a grave site in a remote section of Quantico National Cemetery, south of Washington, D.C.  Each drank one can of Bud Light beer and then scattered back to their individual lives.  It was a wry, fond tribute to an unknown American hero, Gregory Wright.  I suspect he would have … Continue reading In A Time of Dudes

Whistling Past The Crime Scene


If it is hard to walk and chew gum at the same time, how difficult must it be to walk, chew gum, and whistle at the same time? After the latest mass killing, the predictable Democratic response has been to put some control over gun availability.  That, of course, is correct.  The predictable Republican response … Continue reading Whistling Past The Crime Scene

Welcome Back, Mr. Spock


The popular Executive Officer aboard the U.S.S. Enterprise in the classic Star Trek was Mr. Spock.  He was known for his faithful worship of logic – the more pure, the better.  I expect he sold all his stock holdings long ago and got out of the market.  It became too illogical for him in 2008. … Continue reading Welcome Back, Mr. Spock

Burying Seeds


For most people, the 2008/9 Global Financial Crisis was a bad dream.  For those in the investment business, it was a nightmare.  So many things went wrong.  Modern Portfolio Theory failed.  It was useless, and we were dangerously close to a systemic failure of the financial system, like 1929. The Fed rose to the occasion … Continue reading Burying Seeds

Yawning At The Yuan


The International Monetary Fund (IMF) has decided to include the Chinese currency (known as the Yuan) as the world’s newest reserve currency.  In the short run, this should have a mild bullish effect on their currency and mild bearish effect on the euro.  In the long run, it has little economic significance.  However, it does … Continue reading Yawning At The Yuan

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