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.

Memorial Day


Christmas is nice.  So is Hanukkah.  And Kwanza too!  My favorite of the religiously-inspired holidays has always been Easter, with its Spring-like weather, with its hope of renewal, and with its prayer of “rising from the dead.” Among the nationally-inspired holidays, like Thanksgiving, President’s Day, and other shopping days,  I feel more emotional about Memorial … Continue reading Memorial Day

Tulip-coins anybody ?


In the seventeenth century, the Dutch Republic was arguably the most prosperous nation in the world and certainly was the financial center of the world.   It even developed the first Futures Market, which gives investors the right to buy or sell a certain commodity, such as bushels of corn or wheat, at a certain price … Continue reading Tulip-coins anybody ?

The “I-Word”


We know the rules.  One, you must never say the “N-word.”  Likewise, you must never say the “F-word.”  Now, according to Barron’s magazine, it is impolite to use the “I-word” in polite company. Right now, the stock market is over-reacting to INFLATION . . . there, I said the I-word! Phase One of this over-reaction … Continue reading The “I-Word”

The Seduction of Simple Slogans


Because Afghanistan is “where empires go to to die”, most Americans are relieved that we are finally withdrawing . . . myself among them.  Twenty years is long enough.  The United States has many great strengths, but nation-building is not one of them.  Remember Somalia? In 2019, the average age in the U.S. was 38.4 … Continue reading The Seduction of Simple Slogans

Inflation Blues


There are disadvantages to remembering the 1970’s, which was a time of high inflation.  The disadvantage is that you see a return to high inflation behind every bush.  Currently, the stock market is over-reacting to the fear of higher inflation, which is tougher on lower-income people, not that the stock market cares about lower income … Continue reading Inflation Blues



While reading “the classics” is never a bad idea, most people read newer books.  However, a middle-age book can also give a refreshing perspective.  I just finished Lethal Passage:  The Story of a Gun, written by Erik Larson and published in 1995.  It was recommended to me by a good British friend who struggles to … Continue reading THE MORE THINGS CHANGE . . .

Pre-CRT ?


A Republican neighbor is currently very upset that public schools may start teaching “Critical Race Theory” (CRT), which argues that white supremacy is tightly maintained and supported by America’s legal structure.  While I respect her fear, this is not news. It’s been almost twenty years, since I was required to attend a half-day class on … Continue reading Pre-CRT ?

Right Man at the Right Time


As the son of a World War II veteran, I was force-fed a steady diet of war stories from birth.  I knew which countries were on which side and why.  I knew the various campaigns and their outcome.  I learned that there was no one war, and there was a lot of ethnic-score-settling masquerading as … Continue reading Right Man at the Right Time

Blanket Parties


According to Webster’s, a “bad apple” is “a member of a group whose behavior reflects poorly on or negatively affects or influences the remainder of the group.”  Of course, the best way to deal with a bad apple is to separate it from the others, before it rots the whole bushel. In the Army years … Continue reading Blanket Parties

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