SAD NEWS: Eamonn Holmes reveals he’s nearly ‘lost sleep and appetite’ after splitting from Ruth Langsford due to lingering traumas from their marriage: ‘Everything HORRIBLE that Ruth did to me still haunts me every night’ (video)

Eamonn Holmes has reportedly been struggling to adapt to his new life following the breakdown of his marriage, according to his pal.

The GB News presenter is said to be settling into his new living arrangements, after leaving his cosy home with now estranged wife Ruth Langsford, following their split last month.

He is now believed to be living in a “small flat near a roundabout” from which he is chauffeured to.

And from the GB News studios in Paddington, West London due to his ongoing mobility issues.

Concerned friends say they are concerned for the 64-year-old, claiming he’s now living a ‘pretty solitary existence’, The Mirror reports.

A source told The Daily Mail: “It’s all a rather sorry affair. It was only a few months ago he was living in his lovely family home with Ruth.

Yes, they were troubled, but she was caring for him and he had some kind of normality.

“Now, he is alone in a flat living a pretty solitary existence. His marriage ending after such a long time has been something he has found difficult to accept.”

It comes just after Eamonn returned to the spotlight following news of his split with Ruth. Eamonn made his first public appearance at the annual TRIC Awards but denied claims he’d made a dig at Ruth during his speech on stage.

On Tuesday, Eamonn took to the stage to accept the accolade and said: “Thank you very much for this award. We were up against world class programmes and that makes it a little bit more special. Sometimes we all think about imposter syndrome.”

He added: “I went for an operation a year and a half ago and it went wrong. I got two things in my back that I didn’t want.”

According to reports, Ruth was said to have been left “hurt” by Eamonn’s words – although it was said the broadcaster’s “comments had nothing to do with her.” A spokesperson for Eamonn told The Mirror: “Eamonn’s comments had nothing to do with anything other than the two pins in his back after his surgeries.”

During the star-studded bash, Eamonn spoke candidly about his recent split and admitted to struggling with the breakup. He admitted: “I’m not OK. This is not a good time at all,” and confessed: “It’s too early to say but I hope we can still be friends.”

In the weeks following their split announcement, Ruth has continued to wear her sparkling engagement and wedding rings. Last week, she enjoyed an evening out at Giovanni Pernice and Anton du Beke’s stage show in London. Invited by her close friend Anton, 57, Ruth beamed as she posed for a photo with him at the end of the night.

Meanwhile, Eamonn has been seeing relationship counsellor Katie Alexander, 42, as he deals with the tough situation in his life, with the pair seemingly growing close. A source told The Mirror that Eamonn’s new friend is in it for the long haul. The source close to Katie said: “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. 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.”

Follow us to see more useful information, as well as to give us more motivation to update more useful information for you.

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.