Keith Schwanz

If everyone is thinking alike, then somebody isn’t thinking.

— George S. Patton

Personal Finance

Sheep and Wolves

My pastoral friend suggested we meet for lunch. As we sat down in the restaurant, the conversation turned to businesses that make short-term loans at exorbitant interest rates. He went on to tell me about […]

Sep, 08

The Risk in Using Financial Metaphors

We pour metaphors into everyday conversations, often without awareness that we do so. A grandmother laughs as her “little monkey” climbs the play castle at the park. Of course, she does not believe her progeny […]

Jul, 02

Cognitive Aging and Money Mangement

I had arrived in Portland on the last flight of the day. The next morning I went to see my father in the care facility in which he was living. I found him asleep in […]

May, 07

Incremental Steps

Someone has said that when it comes to health, the first 50 years are a gift. After that you have to earn it. According to my last doctor’s visit, I’m late in showing up for […]

Mar, 07

Savings Rate and Retirement

About 20 years ago, my wife and I decided to spend our two-week vacation remodeling the kitchen and dining room. We started the first thing Monday morning by hauling out the appliances and removing the […]

Jan, 07

Ready for the Surprise — an Emergency Fund

The man gave me two options: I could give him a plane ticket to San Francisco, or I could buy him a car. Pick one, he said. He had a job with a roofing company […]

Nov, 07

Livelihood and Ministry

I did not know him well, but after being a peer in seminary classes I knew enough of his story to be intrigued. He came to the city from a rural area. He was a […]

Sep, 07


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