// JavaScript Document

<!--

/*
Tip of the day script
By JavaScript Kit (http://javascriptkit.com)

*/

var today_obj=new Date()
var today_date=today_obj.getDate()

var tips=new Array()
//Configure the below variable to contain the "header" of the tip
var tiptitle='<b>Tip of the day</b><br>'

//Configure the below array to hold the 31 possible tips of the month
tips[1]='Before you buy a stack of gift cards, the FTC wants you to know that there are two types: retail gift cards and bank gift cards. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt010.pdf">Learn more...</a>'
tips[2]='Shopping for jewelry? Compare prices and quality at several retailers. If you’re not sure where to go, ask family members, friends, or co-workers for recommendations. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt011.pdf">Learn more...</a>'
tips[3]='Television stations will switch to all digital broadcasting on June 12, 2009. You may need a digital converter box to keep getting over-the-air TV after the switch. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt034.pdf">Learn more...</a>'
tips[4]='Imitation is the sincerest form of flattery. But it’s no compliment when imitations or reproductions defraud consumers. A smart buyer learns the differences between genuine antiques, reproductions, and their fake counterparts. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt039.pdf">Learn more...</a>'
tips[5]='If you own a cell phone, at some point you are likely to upgrade to a newer model. But what should you do with the old phone? Options include recycling, reselling, and donating. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt044.pdf">Learn more...</a>'
tips[6]='You can cut down the number of unsolicited mailings, calls ,  and emails you receive. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt063.pdf">Learn more...</a>'
tips[7]='Ads for herbal or natural remedies for the cold and flu simply don’t live up to their hype. They lack the reliable scientific evidence required by law to back up the claims they make. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt078.pdf">Learn more...</a>'
tips[8]='If you or someone you care about has cancer, the last thing you need is a scam.  If you’re interested in products online claiming to treat or cure cancer, talk to your doctor first. . <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt079.pdf">Learn more...</a>'
tips[9]='By making a shopping list, creating - and sticking to - a realistic budget, and looking for good values, you may be able to avoid the headache that could come with post-holiday debt. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt082.pdf">Learn more...</a>'
tips[10]='The upheaval in the financial marketplace may spur scam artists to phish for your personal information. Consumer should learn recognize these scams and protect themselves. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt089.pdf">Learn more...</a>'
tips[11]='FTC officials will never call consumers to tell them they have won a prize or sweepstakes. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt099.pdf">Learn more...</a>'
tips[12]='Be skeptical of "relatives" who call and ask you to wire money. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt111.pdf">Learn more...</a>'
tips[13]='Thinking of buying a used car? Do you know the difference between a warranty and a service contract? <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/autos/aut03.pdf">Learn more...</a>'
tips[14]='A sound data security plan is built on five key principles: take stock, scale down, lock it, pitch it, plan ahead. Regardless of the size - or nature - of your business, these tips will go a long way toward helping you keep data secure. <a href="http://www.ftc.gov/bcp/edu/pubs/business/privacy/bus69.pdf">Learn more...</a>'
tips[15]='When choosing a credit card, consider fees, charges, interest rates, and benefits. Some cards that look like a great deal at first glance may lose their appeal once you read the terms and conditions of use. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre05.pdf">Learn more...</a>'
tips[16]='No one can legally remove accurate and timely negative information from a credit report. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.pdf">Learn more...</a>'
tips[17]='Looking for your annual free credit report? The one - and only - authorized online source for free credit reports from all three nationwide consumer reporting companies is annualcreditreport.com. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.pdf">Learn more...</a>'
tips[18]='Want to know more about topics important to older consumers like generic drugs, hormone therapy, caregiving, and hearing aids? <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/health/hea17.pdf">Learn more...</a>'
tips[19]='Before you buy jewelry, ask for the store’s refund and return policy. And make sure the jeweler writes on the sales receipt any information you relied on when making your purchase. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/products/pro02.pdf">Learn more...</a>'
tips[20]='The Cooling-Off Rule gives you three days to cancel a purchase of $25 or more made at a location that is not the seller’s permanent place of business. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/products/pro03.pdf">Learn more...</a>'
tips[21]='Having trouble paying your mortgage? Learn about possible options to foreclosure. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.pdf">Learn more...</a>'
tips[22]='Shopping for an appliance? EnergyGuide labels can help you compare the energy use of different models. The more energy efficient an appliance is, the less it costs to run, and the lower your utility bills. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea14.pdf">Learn more...</a>'
tips[23]='Is your computer extremely slow, sending emails you didn’t write, serving up lots of pop-up ads, or refusing to shut down or restart?  If so, it might be infected with malware. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/tech/tec16.pdf">Learn more...</a>'
tips[24]='It’s wise to use caution when making your charitable giving decisions as you do when making other decisions affecting your overall financial picture. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel01.pdf">Learn more...</a>'
tips[25]='You may be tempted by ads that guarantee loans or credit cards - regardless of your credit history. The catch comes when you find out you have to pay a fee in advance. Watch out for these advance-fee loan scams. <a href="http://www.ftc.gov/bcp/edu/pubs/consumer/telemarketing/tel16.pdf">Learn more...</a>'
tips[26]='Get emails or pop-up messages looking for your personal or financial information?  Don’t click on or cut and paste links from those messages into your Web browser.  Chances are they’re from crooks "phishing" for your information to commit fraud.   <a href="http://www.onguardonline.gov/topics/phishing.aspx">Learn more...</a>'
tips[27]='To cut down on the number of telemarketing calls you receive, put your phone number on the National Do Not Call registry.  Visit www.donotcall.gov or call 1-888-382-1222 (TYY: 1-866-290-4236).  <a href="http://www.donotcall.gov">Learn more...</a>'
tips[28]='If a company asks you for your Social Security number, ask why they need it, how they’ll use it, and how they’ll safeguard it.  Ask to use the last four digits - or another identifier -  if possible.  <a href="http://www.ftc.gov/idtheft">Learn more...</a>'
tips[29]='Don’t serve alcohol to teens. It’s unsafe; it’s illegal; it’s irresponsible.  <a href="http://www.dontserveteens.gov">Learn more...</a>'
tips[30]='Did you lose your wallet or was it stolen?  To protect yourself against identity theft, file a police report, cancel your credit cards, speak to the fraud department at each credit reporting agency and report a missing driver’s license to the state Department of Motor Vehicles.  <a href="http://www.ftc.gov/idtheft">Learn more...</a>'
tips[31]='Buying an item on an Internet auction site?  Check the seller’s feedback ratings and return policy.  Read the terms and conditions, like what you’re bidding on, its relative value, your payment options, and who pays for shipping.  <a href="http://www.onguardonline.gov/topics/internet-auctions.aspx">Learn more...</a>'


/*document.write(tiptitle)*/
document.write(tips[today_date])

//-->