Saturday, November 14

 Chivayo’s Grave Sparks Debatesuch extravagant tombstone designs are now under threat of demolition.

Wearing a solemn expression and dressed in casual shorts and a black T-shirt, Wicknell Chivayo stands alone before a towering grave monument built for his late mother. The polished black stonework and roofed structure, adorned with the word “MUM” in bold yellow flowers, dwarfs surrounding graves and resembles a private mausoleum more than a public cemetery plot.

But in Bulawayo, such extravagant tombstone designs are now under threat of demolition.

 

 

 

 

 

 

 City Council Declares Clampdown

Bulawayo Town Clerk Christopher Dube has issued a stern warning: tombstones erected at new cemeteries in defiance of the 2018 city policy will be demolished, citing the Cemeteries Act and Bulawayo Cemeteries Regulations of 1967.

 

 

 

“The policy is clear,” said Dube in the latest Health, Housing and Education Committee report. “Only headstones are permitted. Residents who have put up tombstones in violation of this directive will be issued with demolition orders.”

This directive specifically targets new cemeteries such as Athlone West, where graveyards are becoming increasingly difficult to manage due to overgrowth and restricted maintenance access.

 

 

 

 

 

 Chivayo’s Grave Sparks Debate

Although Chivayo’s mother is not buried in a Bulawayo cemetery, his flamboyant show of wealth at her grave — complete with imported granite, a shaded roof, and designer finish — has reignited national debate over economic disparity, cultural excess, and now municipal policy enforcement.

The image of Chivayo’s monument has gone viral, with critics arguing it symbolizes unchecked privilege, even in death, while thousands of Zimbabweans are buried in unmarked or poorly maintained graves.

 Why the Ban?

The city says the new policy is practical, not punitive:

  • Headstones make it easier for council tractors to cut grass and clear paths, avoiding the need for costly manual labour.
  • Most graves are abandoned shortly after burial, leaving the council with maintenance responsibility.
  • Limiting grave monument dimensions ensures uniformity and prevents illegal extensions.

 

 

 

 

 

 Regulations at a Glance

Families wishing to install a headstone must:

  • Apply with verification from cemetery supervisors.
  • Follow dimension limits of 1.2 meters by 2.2 meters.
  • Present a Tombstone Application Permit and receipt.
  • Complete installation under supervision of cemetery officials.

Six known cases of non-compliance have already been documented, with councillors pushing for stronger enforcement and community awareness through radio, funeral parlours, and ward meetings.

 

 

 

 

 Running Out of Space

As Bulawayo’s burial space continues to shrink, the council is also encouraging cremation as a long-term solution.

 

 

 

 

While Wicknell Chivayo’s mausoleum-like grave may escape municipal reach due to its location, it now stands as a symbol of a growing class divide — even in how the dead are remembered. Meanwhile, the City of Bulawayo is drawing a line: graves are for mourning, not monuments of wealth.

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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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Mortgage Refinance Rates and Home Loan Savings

Mortgage Refinance Rates: When to Refinance

Homeowners often consider refinancing when mortgage refinance rates are lower than their current rate. Refinancing replaces your existing mortgage with a new loan.

A refinance may help lower monthly payments, reduce interest costs, change loan terms, or access home equity.

Types of Mortgage Refinance

A rate-and-term refinance changes the interest rate or loan length. A cash out refinance allows homeowners to borrow against home equity and receive cash at closing.

Cash out refinancing can be useful for home improvements or debt consolidation, but it increases the loan balance.

Costs to Compare

Refinancing includes closing costs such as lender fees, appraisal fees, title fees, and recording fees. Homeowners should calculate the break-even point before refinancing.

Conclusion

Mortgage refinance rates can create savings, but refinancing only makes sense when the long-term benefit is greater than the cost.