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.

R.I.P. Prince Phillip


Long ago, when I still believed that all men were created equal (women too!), I regarded Great Britain’s royal family as arguably the most over-pampered, over-privileged, over-paid, under-educated  and useless family on the planet.  I was wrong – very wrong . . . and apologize! I have marveled at the calming influence that the Queen’s … Continue reading R.I.P. Prince Phillip

The Four Walls of Our Skull


Oddly, my time in the Army Special Forces made me an existentialist.  We were taught and practiced how to survive off-the-land.  We learned that civilization was merely a convenience, not a necessity.   We could move north or south, during daylight or darkness, as a “friendly” or as a “hostile.”  I didn’t appreciate how much it … Continue reading The Four Walls of Our Skull

Taxing Ghosts . . . ?


With respect to the President’s infrastructure plan, neither my Republican friends nor my Democratic friends can even agree on which things they actually agree on – situation normal – channeling the Gingrich distinction between governing and winning . . . winning wins.  I do part company with my Democratic friends on this issue. Of course, … Continue reading Taxing Ghosts . . . ?

Pandemic Costs


Economists are fond of discussing “opportunity costs” or the costs of NOT doing something.  The classic example is that the cost of a new aircraft carrier is NOT a billion dollars.  The cost of a new aircraft carrier is two unbuilt hospitals and three unbuilt nursing homes, as an example. We tend to look at … Continue reading Pandemic Costs

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