The San Francisco branch is temporarily closed due to the shelter in place guidelines. The following branches are open: Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa and Sunnyvale. Our branch ATMs remain operational, with the exception that we may need to temporarily restrict access to select ATMs due to local conditions.
Click here for branch locations and hours.
By: Chris O'Shea, SavvyMoney.com
According to a recent study by researchers at the University of Kansas, arguments about money are the number one reason married couples get divorced. That piece of research is not the first to report this demoralizing information. With that in mind, it seems wise that those considering marriage should get the tough money conversations out of the way before walking down the aisle. Wondering what, exactly, to discuss? Below are some questions to ask well before “Will you marry me?”
What Are Your Long Term Goals?
Some people want to use their savings for a dream house. Others might prefer traveling and never settling down in one place. Make sure you know what your partner sees 5, 10, 20 years down the line when it comes to money. You don’t need specifics right away, but discussing your long-term financial goals is a good way to ensure you value the same things.
What Are Your Money Lines?
As CNBC reports, everyone has their own money items that are non-negotiable. Cross that line and you’re through. Maybe you absolutely pay off your credit card balance every month and your partner doesn’t see it as that big of a deal. It’s important to know where the hard lines are so you don’t blast through one unwittingly. That’s a sure-fire way to a big argument.
How Will We Spend and Save?
Some people are spenders and some people are savers. If you both match up, great! If not, you’re better off finding out now rather than after you get married. If you can’t come to terms on a combined budget that helps you work toward you’re longer term financial plans because you’re nitpicking over little, every day expenses, try reversing things. Set your savings goals, make sure you’re stashing away each month to reach those goals, then don’t sweat the small stuff.