Carol McGiffin AGAIN drops shocking and br^tal comments about why Ruth Langsford and Eamonn Holmes divorced: ‘I feel for both of them in this regard, Ruth is too ‘fra!l’ and ‘d.r.y’ while Eamonn is too vigorous in bed, it caused Ruth to faint multiple times’

Carol McGiffin is known for being somewhat opinionated and has candidly spoken about her personal life at length over the years.

But in a recent interview, she seemed to take on a more reserved approach when asked her feelings on Ruth Langsford and Eamonn Holmes’ recent split.

The presenter, 64, who quit Loose Women last April, said she was left upset over the breakdown of the couple’s 14 year marriage,

and simply told OK!: “I love them both.”

But as yet, the TV personality is yet to reach out to her pals as she did not want to add further “noise” to the public furore surrounding their decision.

She continued to tell the publication: “It’s always sad when a relationship breaks up.

But it’s sadder when you’re so in the public eye. It’s really hard. Everyone’s speculating, everyone has a theory. I’d put everything I own on the fact that a lot of it is b******s.” She then added: “I feel for them both in that respect.

“I love them both, I’ve worked with them both, been at parties with them both. It’s really sad but I haven’t, as they say, ‘reached out’ to Ruth yet. She’ll be inundated and won’t want to hear from me, right now! I’ll send her a message when I know what’s really going on, not before. Otherwise, you’re just adding to the noise.”

The TV couple, who appeared together on This Morning, and were fan favourites for many years as a duo, announced their split in May. And at this year’s TRIC Awards, Eamonn finally broke his silence as it was his first public appearance since the announcement. He said he is “not ok” and it’s “not a good time at all” for him. He added: “It’s too early to say but I hope we can still be friends.”

At the time, a joint statement was released that read: “Ruth Langsford and Eamonn Holmes have confirmed their marriage is over and they are in the process of divorcing.” However, news recently emerged that Eamonn was being comforted by his pal Katie Alexander, who is a mum of three. And according to reports, she has visited the father of four at his new home in south-west London, after moving out of the Surrey pad he shared with Ruth.

This comes after Ruth reportedly found messages between her husband and a mystery woman on his laptop. A source told The Sun on Sunday at the time: “Ruth was completely taken by surprise when she saw the messages. She had no idea what had been going on between them. She was devastated. Not only was she very upset but she was also angry.”

Ruth was recently spotted on a night out as she attended Anton du Beke and Giovanni Pernice’s show. Her night out comes after a source told the Mirror: “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.” They added: “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.”

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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.