UNBELIEVABLE: Fans panicked when they saw the ‘absolutely ridiculous’ list that Taylor Swift asked her ‘Era’ tour rider to bring for her!

As hardcore Swifties, it doesn’t take much for us to find yet another reason to love the musician.

In fact, we didn’t think our love could grow any more after seeing her bring Travis Kelce up on stage at her recent Wembley Eras Tour gig.

But now she’s given us one more reason to be full-on obsessed, as her reported rider requests have just gone viral—and they’re beyond relatable.

FYI though, a rider is what a singer or band requests to have in their dressing room when performing at a venue.

And in the past there’s been some reportedly wild requests from celebs. Like, we’re talking massage tables, white kittens, and a room specifically for wigs.

But perhaps unsurprisingly, Tay is pretty low-key when it comes to her demands for Eras Tour prep. In fact, her biggest requests are just really good snacks.

According to a report in Parade, these are the following items the musician requests on her rider when performing on the Eras Tour:

1 bottle of chocolate milk

1 bottle of Welch’s grape juice

1 bag of Tostitos Tortilla Chips

1 stick of butter

1 jar of Pace Picante Sauce (mild)

A bag of Kraft shredded cheddar cheese

3 boxes of Kraft macaroni cheese

1 bag of Twizzlers

2 tubs of Ben & Jerry’s

1 box of microwave popcorn

1 six-pack of Diet Pepsi

Ben & Jerry’s and macaroni cheese? ‘Kay, we need to hang out with Taylor ASAP.

Btw, the celeb is currently still on her Eras Tour in Europe, and just completed a number of dates in the UK. She’s still set to play in Dublin, Amsterdam, Zurich, Milan, Gelsenkirchen, Hamburg, Munich, Warsaw, and Vienna before finally finishing up in London for the last of her European dates. She’ll then head to Canada and play her final show of the tour in Vancouver on December 8.

Do you think if we turn up to the London dates with a stick of butter we’ll have a chance of meeting Taylor? Yeah, didn’t think so.

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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.