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.

Mourning Dinosaurs


Older people are usually surprised that the right to privacy was not in the Declaration of Independence nor the Bill of Rights — but millennials don’t care. That “right” was an outgrowth of a 1958 Supreme Court decision, NAACP vs Alabama.  In that case, the state wanted the membership list of the NAACP, including home … Continue reading Mourning Dinosaurs

Loser-Of-The-Week Award


So, there was a 26-year-old refugee from Bangladesh living outside London with his parents.  Problem #1 is that he is a 26-year-old man without a girlfriend and living with his parents. On the morning of August 25th, he suddenly decides he will attack the guards at Windsor Castle, because they work for the Queen.Problem #2 … Continue reading Loser-Of-The-Week Award

Viva La Macron


France is such a wonderful country.  Unfortunately, their economy is not as wonderful.  Unemployment in the U.S. is only 4.4%.  Germany’s unemployment is about the same, but unemployment in France is a staggering 9.5%.  GDP growth is slower in France than Greece right now.  What is retarding the economy of such a wonderful country? One … Continue reading Viva La Macron

Out, Out . . . Damn Spot!


Let’s see . . . personal income rose more that expected at 0.4% in July, and spending rose a healthy 0.3%.  Inflation rose only 0.1% in July, well below anything worrisome.  Estimates of GDP growth in the second quarter (Q2) was revised higher from 2.6% to a whopping 3%.  There has never been so many … Continue reading Out, Out . . . Damn Spot!

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