function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_ga(){var tip=new Array();tip[0]="Adult students can qualify for scholarships and financial aid, too. Be sure to fill out the FAFSA and look online for special assistance programs.";tip[1]="Setting up direct withdrawal is a painless way to save. Work with your bank to have a regular amount deposited into a savings account each month.";tip[2]="Pick the right kind of loan. Commercial mortgages are specially designed to help small business owners finance business property.";tip[3]="Reward cards allow you to earn points, airline miles, discounts, and cash back for your credit card spending.";tip[4]="Always get a few different estimates before you start a remodeling project. Prices and timelines can vary significantly.";tip[5]="Having a high credit score can help you get ahead. Good credit means great rates on life's big purchases.";tip[6]="Pick the right kind of loan. Commercial mortgages are specially designed to help small business owners finance business property.";tip[7]="Business credit cards are designed for busy entrepreneurs. Search for a business credit card that meets your needs in the Credit Cards section.";tip[8]="Ready to start investing? You may want to start with a few mutual funds. These types of accounts are easy to buy and manage.";tip[9]="Start saving for retirement early. Ask your employer about 401(k) plan options or investigate opening an IRA.";tip[10]="It's hard to achieve your dreams without a plan. Use our <a href='/life_stages/getting_ahead/Making-Your-Dreams-Come-True.jsp' class='w'>free planning worksheet</a> to outlines steps and goals that you'll need to accomplish.";tip[11]="Call your credit card companies before you leave for an international trip. If they know you are traveling, they're less likely to block your purchases as possible fraud.";tip[12]="529 plans are a great way to save for your children's education. Ask your financial advisor about setting up this type of account.";tip[13]="Use Credit.com's <a href='/vcapps/calc_savings.jsp' class='w'>free savings calculators</a> when planning your investments. See how much you'll need for college and retirement.";tip[14]="Call the IRS to see if you need a federal tax ID number for your business. If you're a &#8220;sole proprietor&#8221;, you probably won't need one.";return tip[randNum(tip.length)]};