Friends of Ruth Langsford reveal they are ready to ‘assist’ Ruth in dealing with the ‘horrifying’ Eamonn and erasing that DISGUSTING tape: ‘We can’t stand him threatening Ruth with that s.3.x tape any longer’

Ruth Langsford is said to be considering dating again following her split from Eamonn Holmes.

Sources close to the Loose Women star, 64, said she previously had no desire to meet someone else, but she has had a change of heart.

“At first, she had no desire to start dating again – but she’s beginning to change her mind,” an insider told OK! magazine.

“She hasn’t dated in so long, so has no idea where to start but lots of her friends are ready to help her.

They’ve suggested dating apps but she’s not keen on that and would prefer to be set up on a date. It’s very scary for her – but she’s allowed to have fun again and live her life.”

The Standard has contacted a representative for Ruth Langsford for comment.

It comes after Holmes has been linked to relationship counsellor Katie Alexander, 42, whom he has been spotted with several times over the last 12 months, including being pictured at his home.

She has reportedly told friends that she is in it for “the long haul”.

Langsford and GB News broadcaster Holmes, 64, sent ripples through the showbiz world in May when it was announced they were planning to divorce after 14 years of marriage and 27 years together.

Issuing a joint statement, a spokesperson for the former couple – who share one grown-up son – said: “Ruth Langsford and Eamonn Holmes have confirmed their marriage is over and they are in the process of divorcing.”

Holmes and Langsford worked together for years on ITV’s This Morning show and were well known for their affectionate bickering, which often happened right in front of the cameras.

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Source: USA Today

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.