Fans of Ruth Langsford are coming to her defense after the television star was accused of throwing shade at ex-husband Eamonn Holmes.

Ruth and Eamonn, who used to host This Morning together, announced their split last month after 14 years of marriage. The pair share a son, Jack Holmes.

During his GB News breakfast show, Eamonn thanked viewers for their ongoing support. However, Ruth has remained fairly silent on the topic.

Yesterday (June 16), Ruth took to her Instagram page to share a throwback pic of her dad and her sister Julie.

The image sees her sister on her dad’s shoulders as the pair both flash a smile at the camera.

“Happy Father’s Day to all the wonderful Dads out there….hope you’re having a fantastic day being spoilt by your families,” she wrote.

“I’m remembering both my wonderful Dad Dennis and my sister Julia today….this is them on a day out while my Mum was still in hospital with me just after I’d been born. Singapore 1960,” Ruth continued.

The wholesome post shared with her 1.1 million followers racked up more than 12,000 likes in 23 hours. However, some felt the post was a sly dig at her ex Eamonn, her son’s father.

One user wrote: “Happy Father’s Day to Eamonn too, the father of your child.”

Fans came to the Loose Women panelists defense, explaining that the post had nothing to do with Eamonn.

“Eamonn isn’t Ruth’s father… I’m sure his children will wish him a Happy Father’s Day themselves as they are all adults and don’t need their Mothers to do it for them,” someone replied.

“Eamonn is not her father and their son is old enough to do his own post if he wishes too. Also Ruth’s post mentions all the wonderful dads out there,” another said.

“Unnecessary, not your business,” a third remarked.

“You ought to be embarrassed by such a shameful comment…” a fourth replied.

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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.