Ben Affleck was spotted without his wedding ring again on Sunday amid rumors of marital strife with Jennifer Lopez.
The 51-year-old Oscar winner — who recently shared an awkward air kiss with the Atlas actress.
Cut a casual figure in a plaid shirt and jeans as he enjoyed a lunch date with his daughter Violet, 18, in Los Angeles.
The matinee idol seemed in high spirits as he waited for a table at the popular Tasty Noodle eatery with his eldest child.
Whom he shares with ex Jennifer Garner along with their other children, Fin (formerly Seraphina), 15, and Samuel, 12.
Ben completed his look with Nike high-tops and a white T-shirt, staying close to Violet, who showcased her unique style in an embroidered vest and matching dress.
The ring-less outing comes as J-Lo has been enjoying a solo vacation in Italy as the divorce speculation ramps up.
On Sunday, the superstar was spotted on a boat heading to the world famous Lo Scoglio restaurant in Nerano for lunch with friends.
She has spent the past few days in Italy and was recently spotted partying with pals on a boat in Positano, with onlookers claiming she looked ‘in great spirits’.
In addition to taking in the stunning scenery around her, the mother-of-two, who shares her 16-year-old twins Max and Emme with ex-husband Marc Anthony, posed for selfies from various angles and even snapped a few of her famous derrière.
The fun-filled display came after a source told DailyMail.com that Jennifer is ‘over’ trying to fix her marriage to Ben.
An industry insider claimed that the pop star has reached her wit’s end and no longer feels that she can do any ‘more’ to save the relationship.
A music industry source told DailyMail.com. ‘Jenny has had enough and she really tried but she can do no more, it’s not getting any better, it’s worse.’
The insider add that the main reason JLo left her husband was because he was always ‘grumpy and negative’ like Oscar The Grouch from Sesame Street.
Jennifer is also said to be ‘shocked’ by the bad press she has been getting, which she believes is not fair.
The source said: ‘If people could see what she has really gone through they would be easier on her. Ben is a great guy but he can be grumpy and a downer.
‘I think the world saw that in photos like when they were at the Grammys last year; he wouldn’t smile. If they saw how it really was, they would not attack her,’ said the friend of Jennifer.
‘He chain smokes and cusses and seems irritated a lot of the time. Great director and actor, but not a lot of laughs with him, you know?’ said the source. ‘He is a wonderful father though.’
They added: ‘She is really not used to this kind of bad feedback, but she will get over it. She will march on. ‘Jennifer is a very smart and strong woman and she will bounce back, she always does!’
There have been many reports that Ben and Jennifer were set to announce their divorce last Friday, which is the norm among celebrities who are splitting.
When the source was asked about this they offered, ‘I think they have wanted to wait until all the kids are out of school and done with school plans and all that before they make their big announcement. They are putting the kids first.’
And as far as how Jennifer and Ben are getting along these days, the insider said they are being ‘cordial’ with each other.
So what happened to the once jovial Ben who used to smile at fans and make out with Jennifer in public? The source points to the pressure in Ben’s career.
‘He is now filming Accounting 2 and the hours are really long, he is working hard at it and it’s a lot to juggle with marriage and kids,’ said the source. ‘So sometimes he is not in the best mood.’
Meanwhile, Jennifer cleared her schedule this summer to give herself some downtime to re-examine her life.
‘She is living alone and not with Ben, I think everyone knows that already, so that is a major change for her and the kids,’ said the pal. Indeed, Ben moved into a $100K a month rental near Garner months ago.
‘Of course Jenny is sad, she loves Ben, but they are just too different, there is no give and take, there was no blending, they are just on separate tracks.’
The source added that Jennifer gave it her all: ‘She really tried hard to make it work, and it just did not work.
‘She invested a lot of time and energy, and I think he did the same. There is no one to blame here. It just was not in the cards. It is very hard for two massive stars to keep a marriage going, one has to give in, and in this case neither gave in.’
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Source: Tampa Bay Times
Understanding Deductibles in Insurance
What is a Deductible?
A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.
How Do Deductibles Work?
When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.
Types of Deductibles
- Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
- Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
- Per-Claim vs. Annual Deductible:
- Per-Claim Deductible: You pay the deductible every time you file a claim.
- Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.
Why Do Deductibles Exist?
- Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
- Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
- Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.
Choosing the Right Deductible
When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:
- Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
- Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
- Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.
Impact on Premiums
The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.
Conclusion
Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.
