RadioShack has lowered prices on all its iPhones, including a $50 discount on iPhone 4, 16G and 32G models, and iPhone 3GS through this Saturday. In addition, the electronics retailer is offering its "Trade & Save" program to existing iPhone owners who have a working iPhone to trade in. If you trade in an iPhone 3G you can get a $75 credit towards a new phone, and $125 if you trade in a 3GS.

That means with the discount and the trade in, you can get an iPhone 3GS for $24.99. You'll still have to pay an activation fee and you have to sign up for a two-year agreement to qualify. And, you'll actually have to step away from your computer to take advantage of the deal. The offer is only available at RadioShack's brick and mortar shacks.

But before you head out, go to RadioShack's Trade & Save section to see if your phone is in good enough shape to qualify.

The percentage of working-age people who get their health insurance through their employer has fallen sharply in recent years, according to a new report, and the drop cannot just be blamed on people losing their jobs.

A report released this week by the by the Center on Budget and Policy Priorities found that 60.1 percent of working-age adults had employer-sponsored insurance in 2009, down 8.8 percentage points from 1999.

In addition, 55.8 percent of children were on an employer-sponsored plan in 2009, a 9.3 percentage point drop from a decade earlier.

The report said job losses were an important factor in people losing their employer health coverage, but they were not the primary reason.

Over the course of the decade, the percentage of full-time workers with employer health benefits fell by 3.8 percentage ponts, to 77.2 percent. The number of people with part-time jobs who got health insurance from their employer saw an even steeper 9.2 percentage point drop, to 50.6 percent.

In general, about 50.7 million people, or 16.7 percent of the population, had no health insurance at all in 2009.

The Center on Budget and Policy Priorities focuses its research on programs that affect lower-income families. The health insurance report is based on U.S. Census data.

Related:

Your boss is feeling the pain of rising healthcare costs, too

Healthcare costs for retirees could top $100k

Online shopping for the holidays has become the norm for many. Consumers can spend time - and money - in the convenience of their home or, let's be honest, during their free time at the office.

Some websites offer more than just a product or service - they give you incentive to buy. When shopping online for that gift for grandma, there's nothing more satisfying than to get something in return from the website.

Our friends at Walletpop.com have compiled a handy list of sites that offer shopping deals. From coupon codes to gift card bargains, here are 16 sites that give you a reason to buy.

Happy shopping!

MARIO ANZUONI / Reuters

The construction industry has been hit hard in the economic downturn.

The glum headline numbers in Friday's monthly employment report, showing that the jobless rate rose to 9.8 percent in November as the anemic economy failed to create many jobs, don't even tell the full extent of the nation's No. 1 economic problem.

In addition to the 15.1 million unemployed Americans, another 9 million were working part-time in November -- not because they wanted more time at home with the kids or to focus on school, but because they couldn’t get enough hours of work.

That number of so-called involuntary part-time workers, reported as part of the government's monthly employment report, has remained persistently high throughout the recession and is currently about double what it was when the recession began in December 2007.

It’s yet another reminder that the nation’s employment problems go beyond just those who don’t have a job at all.

A broader measure of unemployment, which includes the involuntary part-time workers plus those who want to work but haven’t looked for a job recently, was unchanged at 17 percent in November. Only 39,000 jobs were added to payrolls last month, far less than expected after 172,000 jobs were added in October.

About two-thirds of involuntary part-time workers have had their hours cut because their employer did not have enough work for them. Others have a part-time job but are looking for a full-time one.

Marisa Di Natale, an economist with Moody’s Analytics who follows labor trends, said there have been some positive signs, especially for workers who have had their hours cut in the recession. The average workweek was at 33.5 hours in November, down slightly from October but up from a low of around 33 hours.

Di Natale says that shows that some employers who cut back may be giving their workers more hours. As the economy recovers,  employers frequently boost hours for existing employees before hiring new ones, she said.

“You’re not going to see a lot of hiring until their current work force is sort of tapped out, as much as it can possibly be,” she said.

Still, the weak recovery will likely mean that it could take some time for those millions of people who want more hours to return to full-time work.

“It is something that is bound to be well above historical norms for a very long time,” said Mike Montgomery, U.S. economist with IHS Global Insight.

Related vote: Will this change your holiday spending plans?

A new and exhaustive look at how Americans are spending their time finds – surprise! – that moms who work are getting less sleep and have less free time than moms who don’t work.

But the research paper also says that a large percentage of all moms – regardless of work status – are having a tough time finding enough time in the day, with many reporting that they are “always rushed” and “multitasking most of the time.”

The research paper, released this week as part of a meeting called Focus on Workplace Flexibility, is based on data from the Census Bureau’s American Time Use Survey, an in-depth diary of people’s daily activities. The paper was written by Suzanne M. Bianchi, a professor of sociology at the Univeristy of California, Los Angeles.

The paper found employed moms with an employed spouse were getting 57.3 hours of sleep per week, on average, 3.2 hours less than their stay-at-home counterparts.

The working moms also had 9.3 fewer hours per week of free time than the stay-at-home moms. In addition, the working moms did 10.1 fewer hours of housework per week and spent 8 fewer hours a week on child care.

As moms struggle to fit all their work and family commitments, Bianchi notes that something has to give. In addition to sleep and free time, the author said moms who are able to afford it appear to be scaling back on work hours to meet parenting demands.

Date night also appears to be falling to the wayside: The diaries also suggest a drop in the amount of time spouses are spending together.

Dads also are juggling family and work. Bianchi reports that married fathers also have increased the time they spend on child care and housework over the past few decades. Still, women continue to spend more time than men on housework and child care, even when both spouses are working full-time.

If you want to stay healthy in retirement, you better start saving your pennies.

Even with Medicare coverage, new research finds that 65-year-olds who retire this year could need more than $100,000 to cover co-pays, premiums and other non-reimbursed medical expenses through retirement.

The costs are likely to be higher for women than men because women tend to live longer, according to the report from the Employee Benefit Research Institute.

Of course, everyone has different health care needs, and no one really knows what their health will be like in retirement, so there are a lot of uncertainties. And although the researchers believe that the recently passed health care reform bill will reduce some costs for retirees, they say out of pocket expenses remain substantial.

If you are comfortable with a 50 percent chance of having enough money saved for health expenses, the report finds that a man retiring in 2010 at age 65 with average health care expenditures would need $65,000 in savings. A woman in the same circumstances needs $93,000.

But if you’re the cautious type and would like to have a 90 percent chance of having enough money to cover your out-of-pocket expenses, the report suggests that men with average health care expenditures should have $124,000 set aside, while women need $152,000.

Even those few people who are still lucky enough to get employee-sponsored health care benefits in retirement should be setting aside similar amounts of money to pay for premiums and other non-covered expenses, according to the report.

For many Americans, just scraping together enough money to pay for daily expenses in retirement is a burden enough. A report released in October found that four in 10 Americans plan to delay retirement because they can’t afford to stop working.