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.

The Battle of Production


One of the joys of summer is catching up on your reading.  I just completed “The Arsenal of Democracy,” an under-appreciated 2014 narrative of World War II by A.J. Baime.  It is highly recommended for students of history, as well as students of dysfunctional families. For students of history, accustomed to war stories of blood … Continue reading The Battle of Production

The “Social Contract”


One of my favorite philosophers has always been Jean-Jacques Rousseau, a leading Swiss philosopher who died in 1778.  (I actually visited his grave in Geneva in 1992.)  He is best known for the Social Contract, published in 1762, reasoning that people are little more than a product of their environment.  The notion is that kids … Continue reading The “Social Contract”

The Glory of NOT Working ?


Having spent many years in Texas, I am familiar with Juneteenth and the deep emotions it arouses.  Now, we have a national holiday to remember that day, when word of the Emancipation Proclamation reached Galveston, freeing the enslaved Americans.  Now, start remembering . . . !! First, there is a cost to national holidays.  Whatever … Continue reading The Glory of NOT Working ?



You know the world is upside-down when Fox News agrees with Bill Maher.  He is a longtime comedy star on HBO, better known for his blistering takedowns of conservatives.  This week, they applauded Maher’s rant that liberal Democrats and/or Progressives don’t know how to “high-five” and take a victory lap.  Maher called it “progressophobia”, which … Continue reading Progressophobia

A Perfect Storm ?


“Inflation Jumps to 13-year High” blared the front-page headline on The Wall Street Journal.  Although alarmist, it is something Wall Street is paying close attention to .  . . or is it? According the Monetarist school of economics, inflation results when you have too much money chasing too few goods.  Alternatively, goods available for sale will … Continue reading A Perfect Storm ?

Essential Boredom


During my school years, math and science were important to me.  I appreciated the clarity of thinking and crispness of conclusions.  It was science or “hard” power! English and government were also important to me.  I appreciated the wide, leisurely thinking, complete with fuzzy nuances.  It was art or “soft” power! However, Latin and French … Continue reading Essential Boredom

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