It eat pretty good, don’t it?

Unemployed? Broke? Not above using coupons?  Get your free sub on!  At Quiznos!  Personally, I’ve never had a Quiznos sub…and I’m pretty sure a meatball sub-not matter how free-is the last thing my fat ass needs right now.  But the rest of you should hit it up!

Learn How to Get a Free Sub | Quiznos Million Sub Giveaway.

Also, the “eat pretty good, don’t it?” is a reference to the now infamous rant of the esteemed Representative Alvin Holmes of Alabama’s 78th district:

COBRA-YES WE CAN!

DSC03097, originally uploaded by ecallanet.

I have already posted about this but it’s SUCH an important part of the Stimulus plan that people need to be paying attention to NOW. If you’ve been laid off since September 1, 2008, you should read this article on the COBRA section of the new Stimulus plan. Until now, COBRA has been so expensive it’s almost not an option for the recently unemployed. Thanks to the new President’s Stimulus Plan, COBRA is finally affordable. Under the new plan, your employer has to cover 65% of your COBRA costs (the employer is then reimbursed by the US Treasury-but that’s not your concern!). As I’ve said before, I think this is a HUGE step in the right direction. To see Suze Orman’s take on it, skip down to my first posting.

COBRA Stimulus Plan – How the COBRA Premium Subsidy will Help More Get COBRA Benefits

Health: “Affordable” Health Insurance Can End Up Costing Big Bucks

dsc_2011I’m always tres skeptical of insurance…especially when it’s labeled “affordable”.  Every car insurance plan I looked at that claimed to be “affordable” had hidden fees, a super high deductible, or had huge gaps in coverage that made them near useless in the event that you got into an accident…which is the main reason you get car insurance.  Typically, you never know how good your insurance is until you use it.  Health insurance is not a place people most people can afford to be cut costs since it will come back to bite them in the ass the minute an emergency happens and yet it is often the most expensive monthly payment unemployed or freelance workers have to make outside of housing costs.  If you’re recently unemployed and your company offers COBRA, check out my previous Suze Orman post-the new stimulus package provides that your employer has to cover 65% of your COBRA costs which makes it a much cheaper option than many of the individual plans available.

Health: “Affordable” Health Insurance Can End Up Costing Big Bucks.

The Suze Scoop from Suze Orman

HOLLLLLLLLL-AR!!! Change YES WE CAN! Barack Obama just did an amazing thing…he’s keeping me single! Let me back up…my boyfriend and I had already casually talked about not being totally opposed to the idea of getting hitched…then I got laid off and I was all…so how ‘bout we get ourselves civil unionized tomorrow? With fake plastic flowers? At the courthouse? I’ll buy you White Castle after? And you can get me on your insurance plan so I can get an epidural for my herniated disc in two weeks! YAY! Romantic, right? Who wouldn’t say yes to a proposal like that?!? Having been recently ‘emancipated’ from my job…I can’t really afford to buy him a ring…or a flat screen TV…which is what I’d imagine the male equivalent of a ring is…But I figure we could buy one in less than two months with all the money we’d save NOT paying for my COBRA plan…yeah…COBRA…incase you didn’t know…is INSANELY expensive…to the tune of near $500 a month in my particular case…

SO, back to the bit that can help you out if you get laid off…and why I am so darned pleased with Mr. President…the NEW Stimulus plan reduces COBRA payments for people who were ‘involuntarily’ removed from their jobs by 65%!!!! It makes COBRA affordable! Reachable! DOABLE! Personally I think this is brilliant because the next looming national crisis is going to be healthcare…First people get laid off, now they don’t have homes either, so the next thing to go…the next major expense that families can’t afford is ALWAYS health insurance. And when that happens, the uninsured become a burden on the rest of the healthcare system. Hospitals and doctors can’t deny people service…but people have empty pockets-you can’t garnish wages and you can’t put a lien against a home when they don’t have a home or any assets at all! So I think this is an absolutely brilliant plan…this will make it feasible and possible for families and individuals to continue health insurance and that is a step in the right direction-for everyone! So cheers to Barack and cheers to ME not having to race down the aisle for some sort of weird nouveau shotgun Brooklyn-style wedding.

The Suze Scoop