Jennifer Lopez was AGAIN spotted wearing Ben Affleck’s ring again in the Hamptons and revealed why she can’t finalize her divorce with him: ‘If he agrees to delete those disgusting videos, I’ll divorce him immediately’ – celebrity.xinloc.com
Jennifer Lopez was seen with her wedding rings from Ben Affleck still on, even though she has not been photographed with her husband since June 3.
And, interestingly, her charm bracelet had a B on it for Ben.
By her side was her trusty talent manager Benny Medina as well as her vocal coach Stevie Mackey for a Friday afternoon outing in Bridgehampton, New York.
The 54-year-old This Is Me… Now singer was flashing her nude colored bra as her white shirt was not buttoned up enough.
The Atlas actress – who will turn 55-years-old on July 24 – added slacks, flip flops, a hat, hoop earrings and a small Dior handbag.
The diva from the Bronx was shopping with her pals on the busy street that is lined with small boutiques like the luxury designer clothing shop Blue One.
There are also several restaurants like Almond, Jean-Georges at Topping Rose House and Bobby Van’s Steakhouse.
Benny and Stevie, who both had aggressively groomed beards and designer clothes on, have been her constant companions in recent months.
She has been in the Hamptons for several days as she has been seen shopping for plants and also for taking fun photos by a fence with her male pals.
Jennifer is sad about the end of her nuptials but ‘is trying to make the best of it by working out, spending time with her twins Max and Emme and making new plans for 2025,’ they went on.
One of those new plans is resuming her This Is Me… Live tour for the summer of 2025 when she turns 56. She canceled the 2024 tour that was scheduled to kick off in July in order to ‘recollect herself.’
‘She is excited about going on tour next year when her personal life is on calmer ground and she can connect with her fans. She will take her tribe with her and make the most of it,’ said the source.
And Ben has Violet, Seraphina and Samuel with ex-wife Jennifer Garner.
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.
