Keith Schwanz

Live out of your imagination, not your history.

— Stephen Covey

Personal Finance

The Grace of Sharing

The left-turn signal marched in place while I waited for the oncoming car to pass. I looked at the sign that announced my destination—Poplar Mobile Manor—tidy, but dreary. I made the turn and drove past […]

Jan, 07

Taking Personal Responsibility for Finances

Implementation of the 2010 Affordable Care Act (ACA) shifted into high gear on October 1, 2013, when the health insurance exchanges opened. The individual mandate provision requires persons to participate in a health insurance plan. This provision […]

Nov, 05

Tracking the Trackers

One of the big news stories from the summer of 2013 involved the revelation about how much data the National Security Agency (NSA) can access. The use of cell phones and the Internet leaves digital […]

Sep, 05

Proactive Financial Decisions

In April 2013, Fidelity Investments released “Five Years Later” a report on personal financial conduct five years after the start of the Great Recession. I was intrigued to find statements at the end of several […]

Jul, 05

Facing the Financial Storm

The storm dumped eight inches of snow on my driveway even though the calendar indicated spring had sprung. The clouds blew in on Saturday, and by Sunday morning the wise thing to do was to […]

May, 05

The 1930s Again . . . Only Different (Part 2)

In Part 1 I contrasted the financial situation of my father who graduated from high school in the 1930s and began pastoral ministry in the 1940s with data from recent seminary graduates involved in ministry […]

Mar, 05

The 1930s Again . . . Only Different (Part 1)

My father started pastoral ministry as a young adult while World War II raged. Those were austere years for many families, but Dad knew no other way of living. My grandfather had the first combine […]

Jan, 05

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