Edith Chibhamu breaths fire at politicians for socioeconomic sabotage for personal gains
Zimbabwe has reached the point of total collapse and unless Zimbabweans are given the opportunity and the free space to help transform the economy this is going to get worse.
Politicians need to stop politicking everything and start considering the plight of every Zimbabwean. Women have not been given adequate space on the political platform and they hardly have a voice, with fears of men calling them names and labeling them all sorts of things.
I feel it is high time politicians stopped the power hungry war and game, opening their eyes beyond the power struggle to see the following:
1. The economic situation needs a total overhaul and players to fix the economy instantly are there, but they are not being given a chance. We have players who are ready to change change the fuel situation and reduce the cost of fuel to less than 90 cents a liter.
2. The part of the fuel revenue can be used to fund the medical field, Education and Civil service bill, as we as free medical treatment for Children and adults over 60 years of Age.
3. Agriculture can be resuscitated and turned into the biggest revenue generator for the country. This sector should not be so politicized people, people should also get free space and maximum support with everyone being accorded agricultural input.
4. Mining sector should be opened for all Zimbabweans and especially the youth of Zimbabwe should be given the freedom to mine and sell their product to fidelity. The sector should not be politicized and the laws in this should be relaxed to allow everyone with good to sale to fidelity rather than to the black market.
5. Civil Servants are suffering, renting little rooms yet they provide the most important services for the country. Civil Servants should be given houses with mortgages that they can fully afford and remain with change. Each civil servants should be accorded a decent 3 bedroom housing and payback period should be reason and paying at least $100/$150 dollars per month or equivalent in bond notes per month. They should be accorded their salaries in foreign currency in order for them to afford all the basics they need.
All the industries should be reopened accord all the youth, to go into full time employment earning a decent wage thereby removing them from the streets thereby curbing drug abuse caused by being Idol.
Politicians need to stop politicizing the country if Zimbabwe is to fully gain social economic and technological gains, that will uplift the standards of living for ordinary Zimbabweans.
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rnEmergency cash should be safe, accessible, and separated from everyday spending. That is why many people compare high-yield savings accounts and certificates of deposit. Both can pay interest, both can be offered by banks or credit unions, and both can be useful. But they are not designed for the same purpose.
A high-yield savings account is a deposit account that typically pays a higher interest rate than a traditional savings account. It is designed for liquidity. You can usually transfer money when needed, making it a good option for emergency funds, short-term savings, tax reserves, travel funds, and upcoming bills.
A certificate of deposit, or CD, is a time deposit. You agree to leave money with the bank or credit union for a set term, such as a few months or several years. In exchange, the institution may offer a fixed rate. If you withdraw early, you may pay an early withdrawal penalty. That makes CDs less flexible than savings accounts but potentially useful for money you do not need immediately.
The first question is purpose. If the money is truly for emergencies, access matters more than chasing the highest rate. A job loss, car repair, medical bill, or home repair may require quick cash. A high-yield savings account is usually better for the core emergency fund because it keeps money available.
CDs can work for extra cash beyond the basic emergency fund. For example, if you want to earn interest on money set aside for a future down payment, tuition bill, or planned purchase, a CD can help lock in a rate. Some savers use a CD ladder, dividing money among several CDs with different maturity dates. This creates periodic access while still earning fixed rates.
Interest rate risk matters. A high-yield savings rate can change at any time. When market rates fall, the account yield may fall too. A CD rate is usually fixed for the term, which can be helpful if rates decline after you open it. But if rates rise, your money may be locked into a lower rate unless you accept a penalty or use special CD types.
Liquidity is the biggest difference. Savings accounts usually allow easier transfers, although banks may have transaction policies and processing times. CDs restrict access until maturity. Before opening a CD, ask how the early withdrawal penalty is calculated and whether partial withdrawals are allowed.
Fees should also be reviewed. Some savings accounts have monthly maintenance fees, minimum balance requirements, excessive transaction fees, or transfer limitations. Many online banks offer no monthly fee, but you should still read the account agreement. CDs may have fewer monthly fees but can have penalties for early withdrawal.
Safety depends on where the money is held. Bank deposits may be insured by the FDIC, and credit union deposits may be insured by the NCUA, within applicable limits and ownership categories. Always confirm that the institution is insured and understand coverage limits if you keep large balances.
Convenience is another factor. A high-yield online savings account may pay more than a traditional local bank, but transfers to your checking account may take time. Some people keep one month of expenses at their local bank and the rest in a higher-yield account. This balances access and return.
Taxes should not be ignored. Interest from savings accounts and CDs is generally taxable. The institution may issue a tax form, but you are responsible for reporting income according to tax rules. A tax professional can help with your specific situation.
A practical approach is to keep the first layer of emergency cash in checking or a linked savings account, the main emergency fund in high-yield savings, and longer-term cash goals in CDs or treasury-style alternatives if appropriate. The best mix depends on how stable your income is, how many dependents you support, and how quickly you might need the money.
High-yield savings and CDs are not rivals; they are tools. Savings accounts solve access. CDs solve rate certainty for money that can sit. When you match the account to the purpose, your cash can stay safer, more organized, and more productive.
