function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_mf(){var tip=new Array();tip[0]="Money issues are a leading cause of arguments. Communication is key! Talk about financial goals and concerns before they turn into problems.";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]="Teach your children good money habits early. Help them learn to save, earn, and use money responsibly.";tip[3]="The average wedding in America costs about $26,000! Keep your costs down by being creative and avoiding unnecessary expenses.";tip[4]="Credit reports and credit scores don't merge together after marriage. Each person's credit history with Equifax, Experian, and TransUnion will remain separate.";tip[5]="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[6]="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[7]="Is your family overspending? Create a monthly spending plan for your household using our <a href='/life_stages/marriage_family/Create-a-Family-Budget.jsp' class='w'>free budget worksheet</a>.";tip[8]="Employers, landlords, credit card issuers, insurers, and utility companies all use credit data. Check your credit reports before you apply.";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]="Start saving for retirement early. Ask your employer about 401(k) plan options or investigate opening an IRA.";tip[11]="Child identity theft is increasingly common. Be alert for signs of identity theft and check your children's credit reports every few years.";tip[12]="Use online banking and automatic bill payment systems to make managing your family's money a snap.";tip[13]="Work together with your significant other to improve your credit scores and reduce your debts. Healthy finances are good for the whole family.";tip[14]="Use your credit accounts carefully. Late payments and other negative accounts can remain on your Equifax, Experian, and TransUnion credit reports for 7 to 10 years.";return tip[randNum(tip.length)]};