function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_pl(){var tip=new Array();tip[0]="How will a new loan change your monthly budget? Use our free worksheet to calculate your new monthly spending plan.";tip[1]="Shopping around for loans is a smart idea. Just don't overdo it. Too many loan applications can temporarily lower your credit score.";tip[2]="It's a good idea to check your credit scores before you apply for a loan. Your credit standing may help determine your interest rates.";tip[3]="Need money for a short-term crisis? Try an emergency loan that you'll repay in a few weeks. Long-term issue? Try a personal loan instead.";tip[4]="Pick the right kind of loan. Commercial mortgages are specially designed to help small business owners finance an office, restaurant, or other business property.";tip[5]="Wondering what counts as a “good” credit score? In most situations, a credit score above 700 will qualify you for standard rates and deals.";tip[6]="Emergency payday loans don't require a credit check and are not reported to the credit bureaus. These loans should be paid back in less than a few weeks.";tip[7]="Consolidating your student loans can help you lock-in a low rate and reduce your monthly payment. You can even get up to $2,000 cash back.";tip[8]="It's a good idea to check your credit scores before you apply for an auto loan. Your credit standing will play a big part in determining your rates.";tip[9]="A home equity loan can be a very cost effective way to borrow. Just be careful: if you can't repay the loan, you could lose your home.";tip[10]="A personal loan allows you to borrow up to $15,000 for any purpose. Consolidate debts, cover your expenses, or finance a big purchase.";tip[11]="Wondering what counts as a “bad” credit score? Credit scores below 650 are usually considered subprime and will charged higher rates.";tip[12]="Emergency payday loans are designed to be repaid within a few weeks. Don't use this kind of loan if you can't afford to pay it back right away.";tip[13]="Using a loan responsibly and paying it on time each month is a great way to build your credit history and improve your credit scores.";tip[14]="It's not just your credit score. Your income, financial standing, debt balances, and other factors can all impact your loan approval and rates.";return tip[randNum(tip.length)]};