SAD NEWS: Ruth Langsford made a very ‘difficult’ decision about her beloved dog Maggie: ‘I will have to let Maggie ‘go’ after the ‘torment’ caused by Eamonn’s lover, I will make Eamonn and her pay’ – celebrity.xinloc.com

Ruth Langsford has updated her Instagram followers on the health of her Collie cross, Maggie, after the pooch underwent surgery recently.

The telly favourite, who is in the midst of a divorce from her co-presenter hubby Eamonn Holmes.

Had previously shared that their cherished dog needed to be sedated for a procedure, according to The Mirror.

On Thursday, Ruth delighted fans with news that Maggie’s operation, which was to remove “a little wart.” went smoothly.

The Loose Women presenter posted a video showing Maggie with a shaved patch and stitches, expressing gratitude for the well-wishes from her followers, reports the Express.

In an endearing clip where she’s seen gently stroking Maggie’s chin, Ruth penned: “Maggie is doing very well after her little op yesterday. Thanks for asking.”

Belfast-born Eamonn and Ruth, who adopted Maggie back in 2011, often featured the beloved canine on their social media.

Described as almost like a “second child” to the pair, Maggie has been at the centre of reported custody discussions following the couple’s split.

Sources suggest there have been “difficult conversations” over who will take care of Maggie, with one insider telling The Sun: “Maggie is like a daughter to them. They dote on her.”

“But she’s getting on and they know she needs stability,” added the source, highlighting the importance of a stable home for Maggie amidst Eamonn’s ongoing health issues.

They further expressed: “The thought of giving her up is heartbreaking to him. But if Ruth is able to get out and about and walk her more, then it may well be that she gets Maggie in the split.”

Eamonn’s profound fondness for Maggie was evident earlier this year when he spoke about the “unconditional love” he has for her and the joy she adds to his life, saying: “I genuinely have never experienced affection like it.”

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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.