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Valentine's Day is long gone but Cupid is still in business, drawing back his bow for a shot at true love for fortunate couples.
Yet many relationships can't take flight until both parties have a candid discussion about money.
"The rate difference between 650 and 800 can be substantial, and affect the type of loan you choose and overall terms."What specific strategies can a romantic partner use to raise any "red financial flags" and eventually have these conversations with potential partners?
Financial experts offer the following tips: Look for tell-tale signs, Bennett advises.
"In some instances, owning just one credit card could be a sign of a disciplined financial consumer. "The person might own a single credit card with only a 0 limit," notes Beeston.
If it becomes apparent early in the dating process that a potential partner doesn't have a decent amount of money to spend—and won't use his or her lone credit card—that's worth an honest discussion.
That's where a frank (and careful) conversation about money and credit can clear the air, and let each partner know where he or stands on potential household financial issues.
To satisfy your curiosity over a love interest with apparent money challenges, don't jump to conclusions, be empathetic and honest, and always drive any problems toward a solutions-based path as soon as possible.
Do that, and the newfound trust gained from a candid money talk can help your relationship prosper for decades to come.
"For example, your date might mention not being able to go out until payday or you notice bill collectors calling his or her phone," he says.
"In addition, you can look at the person's domestic situation.You just have to look for them.""Real world" financial decisions factor into your life in myriad ways if a couple doesn't address the financial problems hindering one partner, experts say.