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.

Innocence Lost


Early on, I recognized that Google’s motto of “Do No Evil” was a joke.  They sold personal information on their customers to anybody who can pay for it.  Then, Facebook came along and made the sale of personal information into a major industry.  Now, nobody is certain how many companies are selling your personal information. … Continue reading Innocence Lost

Thank You, Mr President


While I have great respect for The Office of the President, I have rather less for the current occupant.  Therefore, when he does earn some respect, he deserves credit for it! At the prodding of his daughter, the President signed an Executive Order last week establishing an office to combat human trafficking, which is a … Continue reading Thank You, Mr President

True or False ?


The four greatest innovations in the history of mankind are: FIRE — used to provide heat, to provide light, and to cook food THE WHEEL — used to transport people and goods more efficiently THE INTERNET — used to bring the world’s body of knowledge to every person BLOCKCHAIN — a worldwide “read-only” spreadsheet using … Continue reading True or False ?

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