function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_dh(){var tip=new Array();tip[0]="The first step to reducing your credit card debts is to stop charging new purchases on your cards. Your debt reduction will go much faster.";tip[1]="Debt is bad for your credit as well as your wallet. High credit card balances, late payments and collection accounts can all lower your credit score.";tip[2]="Paying off your debts can save you money on interest and can also improve your credit scores. A good credit score helps you get the best deals.";tip[3]="Keep your credit cards open after you have paid them off. Closing your credit card accounts can damage your credit scores.";tip[4]="Fight against overspending by leaving your credit cards at home. Just carry one credit card with you in case of an emergency.";tip[5]="Don't pay only the minimum amount due on your credit cards. It could take decades and thousands of dollars in interest to pay a large balance this way.";tip[6]="Paying off collection accounts and charged-off debts will not cause the accounts to be removed from your credit reports.";tip[7]="Cutting back on some monthly expenses can leave more money for debt-reduction. Save hundreds of dollars by canceling your cable TV and gym membership.";tip[8]="Where does the money go? Use our free <a href='/life_stages/marriage_family/Create-a-Family-Budget.jsp' class='w'>spending plan worksheet</a> to calculate your monthly budget and find places where you can cut back.";tip[9]="Debt reduction programs can have a big impact on your credit scores. It's a good idea to check your credit regularly during the process.";tip[10]="Consolidating your student loans can help you lock-in a low rate and reduce your monthly payments. You can even get up to $2,000 cash back.";tip[11]="Tax liens can remain on your credit report indefinitely if left unpaid and can cause major credit score damage.";tip[12]="The average American household carries around $9,000 in credit card debt. That's an expensive statistic!";tip[13]="Overwhelmed with monthly debt payments? Consider consolidating your debts into one loan with a low monthly payment.";tip[14]="While bankruptcy can clear your debt responsibilities, it doesn't clear your credit history. Bankruptcy adds a new negative record to your credit reports.";return tip[randNum(tip.length)]};