SUNGURA maestro Alick Macheso has shared his 2020 resolutions.
In an interview with H-Metro, the Zimbabwe Red Cross Society humanitarian ambassador took time to speak on road safety, attitude on the roads and family.
“As we said our goodbyes to 2019, tinotenda musiki atipinza mugore rino ra 2020,” he said. Macheso urged motorists to be cautious and responsible on the roads.
“Hakuna hwahwa hutsva mazuva ose in 2020, even the cars that we drive, the bus stops and the roads are still the same.
“Many drive as if they do not have children or relatives or parents, be patient for that little time you are on the steering wheel.
“Unomhanyirepi, nemotor yako pachako? Even if you are sent by its owner, he or she will smile at you when you are back safe with his or her vehicle
“God looks after people who are careful about themselves,” said Macheso.
He said many accidents were being caused by over excitement.
“Kuwonererwa ndochirwere chikuru mumugwagwa, vanoda kuwonererwa huyayi pastage ndopa highway yemanyemwe ipopaye, towonererwa tese tichifadza vanhu tichibhadharwa, kwete tichiurayisa vana nevabereki vasina mhosva.
“Let us be responsible in 2020 by just saying I am not going to get over excited or angry at any cost.
“Do not speed, why not behave like mature people who are educated,” he said.
Macheso said there was still room to reform. “Chingoti uchigeza so, wongoti, in 2020 I want to surprise many by stopping that habit which did not bring bread on my table.
“…just give yourself assignments, tough tests, like I am no longer going to be angry when upset anyhow by any driving,” he said.
Macheso also took time to educate people to mind their health in 2020.
“I urge people to regularly take lots of water than drinks, kana doro tinwe tichidira mvura, zvibhodhoro vanakomana mazvinyanya.
“Whisky and brands are supposed to be taken just a tot per day, not to take the whole bottle without even eating or diluting in few minutes.
“Due to global climate change, mvura yarambira mudenga, no more rain, we were used to farming for our basic food, even here in towns, we used to farm on small pieces of land but due to heat waves and climatic changes, all is history today.”
Macheso also showed his understanding of biology.
“Human body is 60 percent water that was said by H.H. Mitchell in the book called Journal of Biological Chemistry 158, chiwona manje, pfungwa dzedu idzi dzinova ndidzo munhu, human brain and heart take 73 percent water, worse the lungs using 83 percent water.
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Best Business Credit Cards for Small Business Owners
A business credit card can be a useful financial tool for small business owners. It can help separate personal and business expenses, build business credit, track spending, manage cash flow, and earn rewards on everyday purchases.
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The best business credit card depends on how your business spends money. Some cards offer cash back on office supplies, fuel, internet, phone service, shipping, restaurants, or travel. Others offer flat-rate rewards on all purchases. If your spending is spread across many categories, a flat-rate card may be easier to manage.
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Before applying, compare the annual fee. A card with a high annual fee may still be worth it if the rewards, travel credits, or business benefits exceed the cost. However, for smaller businesses, a no-annual-fee card may be a better starting point.
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Interest rate is also important. If you pay your balance in full every month, the interest rate may not matter as much. But if you carry a balance, a high APR can quickly become expensive. Business owners who need financing should compare credit cards with other options such as business lines of credit or small business loans.
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Some business credit cards offer employee cards. This can make it easier to control spending and track purchases by employee. Look for cards that allow spending limits, alerts, and category controls.
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Rewards can be valuable, but they should not encourage unnecessary spending. A good rule is to choose a card that rewards expenses you already have. For example, if your business spends heavily on advertising, a card with bonus rewards for digital ad purchases may be useful.
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Business credit cards may also include benefits such as purchase protection, extended warranties, travel insurance, rental car coverage, and expense management tools. These features can save money when used properly.
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To improve approval chances, check your credit score, business revenue, and existing debt before applying. Many business cards require a personal guarantee, meaning the owner may be responsible for repayment if the business cannot pay.
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A business credit card should support your financial system, not replace responsible budgeting. Track expenses monthly, pay on time, and avoid mixing personal purchases with business transactions.
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When used wisely, a business credit card can help small business owners improve organization, earn rewards, and manage short-term expenses more effectively.
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Best Mortgage Refinance Options When Interest Rates Are High
Mortgage refinancing can help homeowners save money, lower monthly payments, change loan terms, or access home equity. But when interest rates are high, refinancing becomes more complicated.
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A mortgage refinance means replacing your current home loan with a new one. The new loan may have a different interest rate, payment amount, loan length, or structure.
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The most common reason to refinance is to get a lower interest rate. But if current rates are higher than your existing mortgage rate, refinancing may not make sense unless you have another financial goal.
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Some homeowners refinance to switch from an adjustable-rate mortgage to a fixed-rate mortgage. This can provide more predictable monthly payments.
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Others use a cash-out refinance to access home equity. This means borrowing more than you currently owe and receiving the difference in cash. The money may be used for home improvements, debt consolidation, or major expenses. However, this increases your mortgage balance and may raise your monthly payment.
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When rates are high, homeowners should carefully calculate the break-even point. This is how long it takes for monthly savings to cover closing costs. If you plan to move soon, refinancing may not be worth it.
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You should also compare lenders. Mortgage refinance rates, fees, closing costs, and loan terms can vary. A lower rate may not always be the best deal if the fees are too high.
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Credit score, income, debt-to-income ratio, home value, and equity all affect refinance approval and pricing. Improving your credit and reducing debt before applying may help you qualify for better terms.
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Refinancing can be useful, but it is not always the right move. Homeowners should compare the total cost, monthly payment, loan length, and long-term savings before making a decision.
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The best refinance option is the one that fits your financial goals, not just the one with the lowest advertised rate.
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