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A dazzling smile. A warm sense of humor. Great chemistry. You and your Valentine sound like a perfect match. But are you financially compatible? Is there a fiscal attraction? The smart money is on a Valentine who's dollars and cents-ible.

To check out how your significant other rates in the financial department, pick the statement that best describes your Valentine.

You can also download and print this quiz as a PDF.

What does your Valentine do with financial paperwork?

A. Organizes it in reverse chronological order by decade in colorcoded boxes on the bookshelf. Being methodical is one thing, but holding on to papers you no longer need is an invitation to identity theft.

B. I'll tell you as soon as I can scale that four-foot stack of credit card bills. Red alert! Debt disarray can be a warning sign of trouble ahead.

C. Shreds what's no longer needed and keeps the important stuff in a safe place. Sounds like a savvy sweetie you've got there. Keep only the documents you have to have and securely dispose of the rest.

It's the end of the month and money's tight. How would you and your Valentine spend a romantic Saturday together?

A. Stay at home and grumble about money trouble. Relationship woes often can be traced to finances. Think twice about a partner who clams up about cash flow.

B. Champagne, caviar – and Vegas, Baby! Sounds like fun now, but you'll have to pay the piper eventually. A beau who can budget is a better bet in the long term.

C. Go to a free concert, take a leisurely bike ride around town, or picnic in the park. Don't you just love a creative companion? It's a good sign when you and your honey don't need money to enjoy each other's company.

Mortgage payments are stretching your Valentine to the limit. How would your Valentine respond?

A. Pull down the blinds, take the phone off the hook, and hunker down in the basement. Bad idea. Facing the financial facts is always the better strategy.

B. "Mortgage? What is this thing you earthlings call a mortgage?" Take things slowly. A debt-riddled darling in denial doesn't bode well for the future.

C. Keep the line of communications open with the lender. Good answer. Contact the company to discuss your options as early as you can.

Your Valentine wants to keep tabs on the accuracy of credit report information. What step would your Valentine take?

A. Signs up for pricey credit monitoring. Hmm, don't think so. Many of those "free" services require you to sign up for expensive add-ons – and then bill your credit card every month.

B. Consults a Ouija board, a Magic 8-Ball, and a TV psychic. "Carefree" is fine, but watch out for "clueless." A perceptive partner is realistic about the financial future.

C. Exercises the legal right to a free credit report at AnnualCreditReport.com. What a shrewd sugar! AnnualCreditReport.com is the only authorized source for a truly free credit report.

How does your Valentine cut back on spending?

A. Turns a shirt inside out and wears it day after day to save on detergent. Eew.

B. When dining out with friends, steps away for an "emergency phone call" when the check arrives! A shady cheapskate? No, thanks. A sweetie who plans ahead can manage daily expenses and the occasional treat.

C. Keeps a written plan that accounts for fixed costs, variable expenses, and once-in-a-while splurges. Mmmm. Don't you just love to hear those three little words: Follows. A. Budget.

Your Valentine receives an email from the bank asking for verification on an account number. How would your Valentine respond?

A. Emails back the account number – and the password just in case they need that, too. It's great to open up about how you feel, but not about how you bank. Don't respond to emails asking for personal data.

B. Wouldn't bother to respond since the account is overdrawn anyway. Even if you're dealing with debt, keep your guard up. Some scammers target those in financial trouble.

C. Deletes the message as a likely phishing attempt. Right! Your brainy beau knows that messages like this come from scammers. Banks and credit card companies never ask for account information in emails.

Your Valentine's plan for long-term financial security includes:

A. The latest "make millions in your spare time" scheme. Not so fast! "Fast money" scams can be an expressway to ruin.

B. A handful of lottery tickets. No way! Love may keep your head in the clouds, but you still need your feet on the ground when it comes to finances.

C. Setting aside something from each paycheck for savings. Wow! It sounds like your flame is thinking about the future.



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