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 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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