The Flinchum File

Thoughtful Economic Analysis and Existential Opinions
Subscribe to the Flinchum File
View Archives

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.

Silly Old Fool


When you lose a loved one, it is normal to grieve and mourn the loss.  In fact, it is both normal and healthy. The lead editorial in the local newspaper yesterday was titled “Privacy compromised in VA” and raises awareness of the new surveillance capability of police — collecting license plate photos with time and … Continue reading Silly Old Fool

Falling Into The Election


Normally, the stock market loses value slowly as the presidential election approaches, because uncertainty is increasing.  Of course, 2020 is predictably worse, as the market is now losing value more rapidly than normal as the election approaches.  This can be understandable, because (1) the election is so ugly and contentious, (2) more race-riots and election-related … Continue reading Falling Into The Election

What Matters?


My late mother voted a straight Republican ticket, beginning with General Eisenhower in 1952.  Over the years, she frequently told me that “a good man is better than a rich man.”  I thought of that on July 18th, 2015, when I watched Donald Trump trash our beloved war-hero, the late Senator John McCain – gratuitously … Continue reading What Matters?



As a Cub Scout, I learned that lichens only grow on the north side of trees, so I could orient my map.  As a soldier, I learned to aim slightly lower when aiming uphill, as the reducing air pressure gave a slight lift to the bullet.  As an investment analyst, I learned that stock prices … Continue reading Clues

The Rights of Europeans


Oh, those silly Europeans . . . they’re just so fussy . . . and cute! Earlier this year, Congress held hearings on the future of Big Tech companies, like Google, Facebook, Twitter, and Microsoft.  Congress is worried they have become too big and too powerful.  Historically, Democrats have always been distrustful of Big Business.  … Continue reading The Rights of Europeans

In Defense of . . .


 I rise in defense of Donald J. Trump. Somehow, it was leaked that Mr. Trump has over $400 million of debt, which he has not denied.  Pundits immediately went to the bankruptcy angle, whereby he could theoretically be begging in the Oval Office.  Those pundits are unfamiliar with Real Estate Finance 101. Typically, a real … Continue reading In Defense of . . .

Ten Lessons


Fareed Zakaria is a native of Mumbai, India who earned his doctorate from Harvard and now hosts a highly-rated weekly show on foreign affairs for CNN, called GPS.  He has already written several best-selling books, including his latest, which is entitled Ten Lessons for a Post-Pandemic World. I didn’t see his “Lessons” as something to … Continue reading Ten Lessons

The Good, The Bad, and the Deficit


My quarterly column for Inside Business can be found here:

The Cost of Good Luck


It is no surprise that white middle-aged men have economic and social advantages in life.  Of course, these blessed Americans also have 69.97% of all suicides.  One usual reason is the guilt of having squandered their “white-male” advantages by accomplishing so little.  It is the curse of “the American Dream.”    Another reason is that … Continue reading The Cost of Good Luck

Enough Drama ?


If President Trump is reelected, my Democratic friends will find that as proof of our continuing systemic racism.  If President Trump is defeated, my Republican friends will blame it on the media. Niall Ferguson is a brilliant, widely-respected, Scottish-born conservative, who is a professor of history at Stanford and has authored numerous excellent books.  Personally, … Continue reading Enough Drama ?

Free ?


For years, I have recommended that everyone have a “news-free” day.  That is especially important as the never-ending pandemic stretches on, as our political establishment continues to embarrass us, as neighbors gravitate into Red or Blue tribes, as domestic strife breeds domestic terror, and so on. Saturday is my day to be free of news.  … Continue reading Free ?

A Good Error


I’m concerned that many mail-in ballots will be disqualified, because zero errors are permitted.  You might mail in a ballot with an error unknowingly, only to have your ballot disqualified and not know it. Unfortunately, I did make an error completing my ballot.  Since I could no longer vote-by-mail, I went to the Courthouse and … Continue reading A Good Error

We are a fee-only advisor providing best interest fiduciary services to clients
in Chesapeake, Newport News, Norfolk, Suffolk, Virginia Beach, Williamsburg, and the surrounding areas of Hampton Roads.


Contact Us Bottom