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

High, Holy Day ?

Among our national holidays is Memorial Day. Living in a beach community, it means tourist season is here, so the cash registers can ring more often. Traffic becomes congested, and we eat more unhealthy food. Why do summer vacations need to be memorialized anyway? Veterans tend to think Veterans Day is more important, because the real meaning of Memorial Day is overwhelmed by the hamburgers,…

Tick, tick, tick . . .

Wells Fargo is doing an excellent series of articles examining the relationship between our GDP growth rate and our national debt. One installment begins with the classic comment from former President Herbert Hoover, who said “Blessed are the young, for they shall inherit the national debt.” It concludes we have the economic capability and begs the question of whether we have the political capability. Must…

Comparative Mobs

There has been much consternation about the numerous campus demonstrations recently, which are largely an emotional reaction to the brutality in Gaza. For a comparison of demonstrations over time, let’s call them the Boomer demonstrations and Gen-Z demonstrations. The Boomer demonstrations started in the US and spread worldwide. The Gen-Z demonstrations started in the Mideast and spread worldwide. During the Boomer demonstrations, young Americans railed…

Transition

In 2008, the world was in the crushing grip of “The Great Recession.” To offer assurance to my clients that the sun would indeed rise tomorrow, I started writing this blog. I explained that it was a global financial crisis, not “your father’s Great Depression” and explained the differences . . . numerous times. At first, I published a new blog entries frequently, as the…