Ruth Langsford has divided fans after being filmed wearing her wedding ring.
The Loose Women, 64, presenter has continued to make a defiant statement about her marriage with Eamonn Holmes, also 64.
Despite the announcement that they were splitting after 14 years of marriage.
Following the news, Ruth has continued to be pictured wearing a wedding ring while Eamonn is said to be seeking comfort from mum-of-three.
Katie Alexander, 42 – who The Mirror exclusively revealed is “in it for the long haul”.
After announcing the end of their marriage, Eamonn moved out of their luxury marital home in Surrey, but Ruth continues to wear her wedding ring.
In her latest Instagram post, the Loose Women presenter shared an insight into her Friday night as she shared a “fakeaway” recipe.
Ruth took her followers through the step-by-step recipe, as she explained: “I’ve got some friends coming over later so I’m doing my Chicken Dhansak curry.
I cut this out of a newspaper and it turns out it was a Slimming World recipe and it’s very delicious.”
She captioned the post: “Friday night Fakeaway! Chicken Dhansak from a very old @slimmingworld recipe cut from a newspaper! #friday #kitchen #friends #cooking #curry.”
Confused fans took to the comments to question why Ruth was wearing her wedding ring. One asked: “Why is Ruth wearing her rings if [Eamonn] is all over the papers embarrassing Ruth?” Another echoed: “Why [do] you still [have] your wedding ring on?”
Ruth was spotted wearing her ring during a night out on Thursday to support her friend Anton Du Beke. The Strictly Come Dancing star is currently performing in London with Giovanni Pernice.
The Loose Women star posted a snap at the end of the night with the caption: “Great night watching Giovanni and Anton. Go and see it if you can. Fantastic dancers, fantastic singers, fantastic band.” Her night out on the town comes after a source told The Mirror that Eamonn’s new friend is in it for the long haul.
The source close to Katie said: “She is helping Eamonn through the tough times but doesn’t want to be seen as a marriage wrecker. The friendship has grown in recent months but Eamonn’s marriage has been over for some time.
“She wants to help Eamonn with his situation and their friendship has grown over a period of time. She feels she will be close to him for a long period and is in this for the long haul.” Katie is a mother-of-three and a marriage counsellor. She was spotted driving to and from his luxury flat last week and was named at the weekend as someone helping him through the pain of an impending divorce.”
Follow us to see more useful information, as well as to give us more motivation to update more useful information for you.
Source: New York Post
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.
