Your first name, Schwarz, creates an independent, forthright, practical nature. Unless they are a part of your background, you tend not to be particularly interested in the arts or music for their aesthetic value; but if drawn into these fields, you would contemplate commercializing your talents or you would consider how they could be turned into a lucrative business. If someone owes you money, you appreciate being paid back promptly and in full, and yet you can be very generous when you see the need. You try to avoid those situations and thus the impression is left with others that you seem too prosaic and unfeeling. You are loyal in friendships, not easily influenced by the opinions or actions of others. Misunderstanding with others have occurred when they have regarded you to be forceful, unsympathetic, and self-centred. Being consistent and stable in your nature, you are decisive, capable, and efficient, though not always tactful in expressing your opinions. Even when you were a youngster, your thoughts turned to making money. Your appreciation of art and music is focused around how to make these activities into viable financial opportunities. At times, you create misunderstandings with others as it is not easy for you to be diplomatic.