function randNum(range){var now=new Date();var seed=now.getTime()%4294967295;seed=(22695477*seed)%2147483647;return(seed>>16)%range}function tips_pr(){var tip=new Array();tip[0]="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[1]="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[2]="Reward cards allow you to earn points, airline miles, discounts, and cash back for your credit card spending.";tip[3]="Long term care insurance can help your family navigate the costs of retirement homes, Alzheimer's care, and skilled nursing.";tip[4]="Considering buying a second home or an investment property? Visit our <a href='/products/mortgage.jsp/index.jsp' class='w'>Mortgage</a> section for articles and advice.";tip[5]="Seniors often become victims of telemarketing scams and other fraud. Be very cautious about sharing personal information, especially over the phone.";tip[6]="If you retire at 60, you may need your retirement savings to last around 30 years. Develop a plan for making your savings last.";tip[7]="Watch out for international currency exchange fees if you'll be using your card while traveling outside the US. These hidden fees can be costly.";tip[8]="Most financial experts recommend that retirees start by only withdrawing 3 to 5% of their retirement savings each year.";tip[9]="IRS form 706 allows grandparents to transfer up to $1 million (or $2 million for a couple) to grandchildren without any estate taxes.";tip[10]="Retirees should check their credit reports and credit scores at least once a year for signs of identity theft and issues.";tip[11]="Obtaining a reverse mortgage may impact may impact your ability to qualify for Medicaid and Supplemental Social Security benefits.";tip[12]="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[13]="Use Credit.com's free retirement calculators to help you evaluate your options. Calculate your estate tax, annuity options, and net worth.";tip[14]="Consider keeping a part time job during the early years of your retirement. Even a small income can help stretch your retirement savings.";return tip[randNum(tip.length)]};