Ruth Langsford issued an apology to her followers after receiving flowers from a mystery person.
The Loose Women star, 64, took to Instagram on Sunday (June 23) to showcase the stunning bouquet with her fans.
The assortment, purchased from Arena Flowers, consisted of different coloured peonies.
A small card had been positioned in front of the flowers, but Ruth kept the sender’s identity a mystery. She added the caption: “Sorry to bang on… but look at them today!”
It comes less than one month after Ruth announced her split from Eamonn Holmes, 64, after 14 years of marriage.
A spokesperson said the couple have “confirmed their marriage is over and they are in the process of divorcing”.
The same day Ruth showed off her new gift, Eamonn also took to social media to announce there were going to be some changes at GB News. Sitting at his desk, the former This Morning presenter explained: “Here we are, it is Sunday and I am in work.
“But you may think, ‘He is not at work, this is different, there is something different about this’, we have had a set redesign. It is quite similar but very different for us.
The broadcaster continued: “It is very different in terms of lighting, very different in terms of the height of the desk, the curvature of the desk. It used to be straight and now it’s quite curvy.”
“And I am going to sit on a different side of the table,” he continued as he pointed to where he and Isabel will be sitting. “Hopefully the programme will be as good as ever and we win a TRIC Award on Tuesday to prove it.
Eamonn signed off the video: “Anyway this is the new look, give me a wee text, give me your view of what you think, do you like it? I hope you do, see you in the morning, 6am until 9.30am.”
Eamonn’s co-host Isabel also took to her Instagram stories to share the news about the new studio. The 41-year-old simply wrote: “Come and check out our shiny new set.”
Breakfast with Eamonn and Isabel has been nominated for a TRIC Awards along with the likes of Good Morning Britain, BBC Breakfast, and BBC News at Six.
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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.
