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 opinions expressed in The Flinchum File are those of the writer, Jim Flinchum, and do not necessarily reflect those of Bay Capital Advisors, LLC

Dr. Bernanke: STAT

While data about our economic health has been improving rather consistently since the Crash of 2008, I’ve become very concerned that the patient might suffer an unexpected heart attack. The problem now is the same as the problem then. We still have not figured out how to intelligently regulate derivatives, which Warren Buffett described as “financial weapons of mass destruction”. But, heart attacks are often…

Why did we send in the clowns?

Late last year, a client wisely predicted that China would emerge from the crisis before the U.S. His reasoning was interesting. He thought that great problems require great decisions, but that the U.S cannot make great decisions like China, which is governed by engineers, while the U.S. is governed by lawyers. I’ve thought about this alot! Yesterday, I heard from David Gergen, advisor to five…

But, what is the recipe?

Today, I listened to one of my favorite thought leaders, John Mauldin of Dallas, author of Bull’s Eye Investing. He spoke of the difficult state of the U.S. economy and the few but painful choices we have: 1. The Argentine Solution – induce hyper-inflation to “inflate away” the huge indebtedness of our country. He gave this a 1% probability. 2. The Austrian Solution – induce…