Eamonn Holmes shared a career update with Instagram fans over the weekend amid his split from wife Ruth Langsford.

It was announced last month that Eamonn and Ruth, both 64, are heading for divorce after 14 years of marriage.

The TV stars wed in 2010 after being together for over a decade and share son Jack together.

However, reports claim work commitments “took them in different directions”.

Eamonn and Ruth are also said to have “been under a lot of pressure” due to others matters such as Eamonn’s ill health.

Ruth is said to be taking a break from her Loose Women role as speculation swirls. But it appears Eamonn – who still wears his wedding ring during GB News broadcasts – is throwing himself into work… even popping into the studio on his day off!

In a post uploaded yesterday, containing a short video of Eamonn addressing his followers from behind a new desk, he said: “Here we are. It is Sunday. And I am in work.”

Eamonn continued: “But you may look at this and say: ‘He’s not in work. Where is he? This is different. There’s something different about this.’”

There’s something different about this.

Eamonn then revealed a little more about the change at his work.

He went on: “We’ve had a set redesign. Quite similar, but very different for us. Very different in terms of lighting. Very different in terms of the height of the desk. The curvature of the desk – it used to be straight and now it is quite curvy. And I’m going to sit on a different side of the table.”

Followers appeared to be impressed with Eamonn’s show’s new look.

“Love it. Onwards and upwards,” one congratulated him in the comments section.

“Looking fantastic Eamonn and so does the desk,” another person complimented Eamonn,

Referring to his health woes, they added: “Hope it’s more comfortable for you to sit at as the last one did you no favours I think.”

“Higher desk looks easier for you to sit at, looking well @eamonnholmes,” agreed a third.

And a fourth chipped in: “Nice to see you Eamonn, looking well and nice new set.”

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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.