function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_gen(){var tip=new Array();tip[0]="Send us an <a href='mailto:tidbits@credit.com' class='w'>email</a> if you can't find the right financial product for you. We'd love to hear your suggestions and ideas.";tip[1]="Money issues are a leading cause of arguments. Communication is key! Talk about financial goals and concerns before they turn into problems.";tip[2]="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[3]="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[4]="Grandparents can gift up to $12,000 tax-free to each grandchild every year. Talk to an estate planner about your tax exemption options.";tip[5]="Considering a reverse mortgage? Get all the facts. Reverse mortgages can be a great way to secure a monthly income, but they're not for everyone.";tip[6]="Want more tips? Sign up for our <a href='/tidbits/subscribe.jsp' class='w'>free newsletter</a>. Receive money tips directly in your inbox each month.";tip[7]="Fuel efficiency can make a big difference in your budget. Look for a car that gets 30+ miles to the gallon for the best savings.";tip[8]="Create an emergency savings account for your family. You should have enough to cover one or two months of expenses at the least.";tip[9]="Credit scores usually range from 300 to 850, with 850 being the best possible score. Check your credit scores to see where you stand.";tip[10]="Using credit cards responsibly is great for your credit scores. Just keep your balances low and remember to pay the account on time each month.";tip[11]="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 to improve.";tip[12]="Guard against identity theft by writing &#8220;ASK FOR ID&#8221; on the back of your credit cards. If the cards are stolen, they'll be harder to use.";tip[13]="Refinancing your mortgage can save you thousands of dollars. Evaluate the costs and benefits with our <a href='/vcapps/calc_refinance.jsp' class='w'>free refinancing calculator</a>.";tip[14]="Pick the right kind of loan. Commercial mortgages are specially designed to help small business owners finance an office, restaurant, or other business property.";return tip[randNum(tip.length)]};