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.

Chinese Water Torture


This type of torture is a slow drip of cold water on the face for an extended period, creating such a state of anticipation for the next drop, that the victim eventually becomes insane. That is the experience of most economists during this Great Collapse, anticipating the next piece of bad news.  Almost all economic … Continue reading Chinese Water Torture

A Gut Punch


Economists tend to be a smug bunch, comfortable with their ability to see the future.  After all, we’ve seen thousands of economic datapoints over many decades and have a good feel for normal limits.  Then, the coronavirus changed everything! No economist has ever seen unemployment increase 20.5 million souls in a single month — truly … Continue reading A Gut Punch

The Age of Bullies ?


Messianism is the belief in the arrival of a messiah, who will save or liberate people.  Understandably, the need for a messiah is increased during times of stress or fear.  We can witness the increasing number of messiahs or “strong-man” leaders in the last fifty years, which has been a time of many wars, of … Continue reading The Age of Bullies ?

Another Unhealthy Addiction


For years, I’ve argued that news is addictive.  It is just like smoking or drinking or illegal drugs .  While there are many non-profit organizations and for-profit companies to treat those traditional addictions, there is nobody to help you with your news addiction. The news organizations will not help you.  They are NOT in the … Continue reading Another Unhealthy Addiction

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