You need a new job. Whether you are job searching or trying to improve your job skills, Bad Economy Jobs will help you. We are in this recession together and any job searching tips can make the difference in employment. Read about the recession proof jobs, best jobs in a bad economy, online schooling, stimulus jobs and how to advertise your resume.

With the bad economy, every little bit of savings will help. When was the last time you checked for auto insurance rates? If you are spending more than 12-15% of your total income on car insurance, you might need to get some car insurance quotes. Experts suggest spending no more than 15% of your income on insurance. Get at least three auto insurance quotes to gauge how much you should be paying.

Tips To Reduce Car Insurance Premiums

1. Trade in your expensive sports car for a clunker that works and is reliable. This saves you a lot of money on your auto insurance coverage.
2. You can pay a lower premium if you do not mind paying more out of pocket expenses when and if a car accident occurs. Get a higher deductible and your costs can decrease as much as 15% to 30%.
3. Get rid of collision coverage on cars with very low market value. It is not worth the cost to repair a low market value car.

Here are some simple tips you should consider before you start selling items for an online business. Before you start unloading your money on a product, make sure it has an audience. This is a bad economy and putting money into a business must be researched well.

Know your audience

Figure out how competitive your market is and decide the best route. This is where you discover your niche. Local markets are much simpler to start selling products. If you are located in California and you want to sell dog collars, break it down to the city level.

Selling a product

Start with smaller items that you can store. For example, you can get wholesale sunglasses and begin starting your own business. Sunglasses are small and you will not need huge warehouses to store them. Other options for starter items can include digital products such as e-books and computer software. If you decide not to deal with the handling and shipping of products, perhaps a drop shipping alternative is better suited for your new business.

Finding a Merchant

Google checkout and PayPal are two of the more common merchants available that can handle your online monetary transactions. By paying a small merchant fee for each process, you can set up an online commerce store in minutes.

The important thing to take from this is to research your consumer’s needs and reduce your overhead costs. You can make 50% profit from selling one item but if you sell only one item a day, that might not be enough for a meal.

If you are tired of paying rent or have planned on a home purchase for a couple years now, the year 2010 is the best time to purchase your first home. With the homebuyer’s tax credit being extended and with more people being qualified, you should not wait any longer. It is estimated that 2 million people will take advantage of this tax credit.

The new changes include current home owners who have lived in their primary home for at least 5 consecutive years out of their last 8 years. Qualifying income levels have also been raised.

Benefits of Homebuyer Tax Credit

Married individuals, who have not lived in and purchased a home for the last 3 years, can receive up to $8000 in tax credit.

Current homeowners can get up to $6500 in tax credit for purchasing a new home.

In order to qualify for any of the tax credits, your personal income must be below $125,000 for individuals and $225,000 for married couples. Houses that cost over $800,000 do not qualify for this credit. You do not need to clean up your credit scores. Participants must be over the age of 18 and not a dependent. The tax credit can be used as a down payment for the new house instead of a credit on your tax refund, if you choose this option. This homebuyer tax credit extension ends on April 30, 2010, so act now and get your Real Estate Bailout.

This post is sponsored by Coldwell Banker.