Monday, June 01

Greatman & Silibaziso Masara Zimbabwe’s Romeo & Juliet

When love reigns, no one will be able to separate the two. People can talk whatever they like but for heavenly made match, negative words can strengthen the bond between the love birds.

Somehow it is more like adding fuel to the flame of love.Love appeared at the right age in the life of musician Tongai Gwaze (27) popularly known as Greatman with his perfect match Silibaziso Masara (24).

The love birds first met in the heart of the Central Business District of Harare at corner Julius Nyerere and Robson Manyika streets.

It was at the corner symbolising that Greatman’s marriage life was around the corner.As a busy man, he was singing to his audience some melodies which stroke Silibaziso’s heart on the tenderest spot.

In an interview with Saturday Herald Lifestyle, Greatman said they first met in the CBD about nine months back when he was doing what God sent him to do, music and was attracted by Silibaziso’s beauty.

“I first saw her in the CBD when I was singing and dismally failed to contain myself and kept on staring at her.

“I tried to concentrate with my work but I kept on staring at her, it was love at first sight,” said Greatman.

His wife confirmed that. Greatman was given ten miles ahead close to winning Silibaziso’s heart due to the fact that, she was already in love with his music. Eventually, the two exchanged phone numbers and started chatting the very day.

Silibaziso kept on following him where he was performing as usual since she was one of Greatman’s biggest fans.

They became to know each other well through chatting until Greatman decided to let the cat out of the bag. He delivered words which are too difficult to tell a girl to kick start a love relationship.

“After several appearances, he told me that he loves me more than anything under the sun. I saw love in his eyes but I didn’t take him serious,” said Silibaziso.

It is in woman nature that when she receives such a message, the words will be circulating in her mind.

Greatman was on her mind before she accepted the proposal.

“All his utterances of that day became part of myself. I was busy thinking for a response to his proposal as he kept on piling pressure on me,” she added.

Love develops and grows like a mustard seed, she started developing love for him.

Pressure and excitement gripped her since she was on the verge of dating a celebrity. Finally, she accepted his proposal.

He found out that all the qualities he wanted suits and fits like a jig-saw puzzle with those of Silibaziso. Greatman, as a great man paid an undisclosed bride price to Silibaziso’s parents in Ascot, Gweru on March 10, 2020.

At first, Silibaziso’s relatives were not approving of the relationship between the two.

But surprisingly, Greatman’s in-laws approved the marriage because they understand their daughter more than anyone else.

“My relatives didn’t want me to marry a man with disability, but my parents approved the marriage because they value love and also respect my feelings.

“I feel secure to be with Greatman, I love him more than words can say,” she said.

To Silibaziso’s parents, it was not a bombshell since they know that their daughter loves playing with people with disabilities.

She said she grew up in Gweru where she used to spend more time with her lovely friends.

“I grew up in Gweru at Warambwa farm where I used to interact with my friends with disabilities, enjoying their company.

“For my hubby it is out of unconditional love and not something new in my love.

“That’s why we are happy in our marriage, I love everything about him”, she said.

Love has no boundaries and true love does not rely on material things.

Greatman said he neither owns a car nor a house and his wife does not mind that at all.

“I don’t have a car and a house, we are renting, but currently paying for a stand in Chiedza East to Morgan mortgage,” he said.

The two are happily married, share great moments together in Westlea where they lay their heads when the darkness fall.

Renting five rooms with their siblings.

Greatman showed that her presence provides warmth and the two are extremely deep in the ocean of love.

Silibaziso also highlighted that Greatman is sweet, his utterances are also sweet and he respects her.

These love birds play, laugh, make love and “kutamba chikudo”, Greatman’s twin brothers Kudakwashe and Kundai Chari confirmed that.

“We live together in Westlea, the two are happily married, always playing laughing and cracking jokes at night after work,” said Kundai who is also Greatman’s manager.

Silibaziso knows her hubby’s favourite meal, she prepares sadza and beans frequently. He eats the meal every morning before going to work.

“Usually my hubby likes sadza and beans which I prepare for him. I always make sure that he is happy and not hungry.

“My main purpose as his wife is to put a smile on his face and he is a happy man,” Silibaziso added.

She feeds her husband, knows what he wants and describes the habit with astounding precision. Silibaziso is spoiling Greatman with unconditional love. You can observe that, Greatman is on cloud nine and is experiencing a novel-like love story.

The couple is looking forward to have children in future.

“Children come from God and we are expecting to have many of them.”

The wife said they want seven children, five boys and two girls.

Seven is a biblical emblematic number, which symbolises fullness.

Isn’t it clear that the match was made in Heaven?
It’s natural that soon after paying lobola, the two will tie the knot.

Greatman and his wife are in preparation of a wedding but they did not disclose the date.

Silibaziso holds high hopes to wed at the Rainbow Towers but, is prepared to work with available resources.

“I have always wanted to wed at the Rainbow Towers but we definitely work with available resources. I am still looking for an affordable wedding dress.

“I know that my hubby would want something bigger, which includes an after party but, our budget will determine everything,” she said

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Class Action Settlement: How Claims, Payments, and Deadlines Work

class action settlement, settlement claim form, class action payment, class action settlement check, settlement administrator, class action deadline

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Class Action Settlement: How Claims, Payments, and Deadlines Work

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A class action settlement can be confusing. You may receive a notice saying you are eligible for money, credit, identity monitoring, repairs, or another benefit.

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But what does it actually mean?

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Do you have to file a claim?

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When will payment arrive?

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What happens if you do nothing?

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Understanding the settlement process helps you avoid missing deadlines or giving up rights without realizing it.

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What Is a Class Action Settlement?

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A class action settlement is an agreement to resolve a lawsuit brought on behalf of a group.

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The company may agree to provide compensation or other relief, while often denying wrongdoing.

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The settlement usually needs court approval. The court reviews whether the settlement is fair, reasonable, and adequate for the class.

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What Is a Settlement Notice?

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A settlement notice explains your rights.

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It may arrive by:

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Email
rnPostcard
rnLetter
rnWebsite notice
rnOnline ad
rnPublication notice

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The notice usually explains:

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Who is included
rnWhat the lawsuit claimed
rnWhat the settlement provides
rnHow to file a claim
rnHow to opt out
rnHow to object
rnDeadlines
rnHearing date
rnContact information

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Read it carefully.

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What Is a Claim Form?

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A claim form is the document you submit to request settlement benefits.

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It may ask for:

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Name
rnAddress
rnEmail
rnPhone number
rnProof of purchase
rnAccount number
rnTransaction dates
rnLoss amount
rnPayment preference
rnSignature or certification

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Only submit accurate information.

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Do You Always Need Proof?

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Not always.

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Some settlements require documentation. Others allow claims without proof, but payments may be smaller.

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Examples of proof include:

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Receipts
rnInvoices
rnBank statements
rnEmails
rnProduct serial numbers
rnRepair records
rnScreenshots
rnAccount records

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If you have proof, submit it when allowed.

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How Are Payments Calculated?

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Payments may depend on:

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Settlement fund size
rnNumber of valid claims
rnDocumented losses
rnPlan of allocation
rnAdministrative costs
rnAttorney fees
rnCourt-approved deductions
rnClaim category

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Sometimes advertised payment amounts are only estimates. If many people file claims, individual payments may be lower.

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Why Payments Take Time

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Class action payments may take months or longer.

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Reasons include:

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Court approval process
rnObjection period
rnAppeals
rnClaim review
rnFraud screening
rnAddress verification
rnPayment processing
rnSecond distribution planning

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The FTC explains that when possible it uses money collected from defendants to provide refunds, and remaining funds may sometimes support a second round of payments.

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What Does It Mean to Opt Out?

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Opting out means you exclude yourself from the settlement.

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If you opt out:

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You usually receive no settlement benefit
rnYou may keep the right to sue separately
rnYou must follow the opt-out instructions
rnYou must meet the deadline

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People with large individual damages should consider legal advice before deciding.

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What Does It Mean to Object?

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Objecting means you stay in the class but tell the court you disagree with part of the settlement.

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You may object to:

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Settlement amount
rnAttorney fees
rnRelease terms
rnClaim process
rnNotice method
rnPayment formula

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Objecting is different from opting out.

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What Happens If You Do Nothing?

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Doing nothing may mean:

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You receive no payment
rnYou remain bound by the settlement
rnYou give up rights to sue separately
rnYou lose the chance to object or opt out

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This depends on the notice. Always read the specific instructions.

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How to Avoid Settlement Scams

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Scammers often copy the language of real settlements.

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Be careful if someone:

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Asks you to pay to receive money
rnPromises guaranteed payment
rnDemands gift cards or wire transfers
rnThreatens legal action
rnRequests unnecessary sensitive information
rnUses a fake website
rnClaims special access

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The FTC warns that it never asks people to pay to file a claim or get a refund.

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Final Thoughts

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A class action settlement can provide money or other benefits, but deadlines matter.

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Read the notice. Confirm the website is official. File a claim if required. Keep records. Be careful with scams.

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And before opting out or signing away important rights, consider speaking with a qualified attorney.

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Best Medicare Plans: How to Choose the Right Coverage for Your Health and Budget

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Best Medicare Plans: How to Choose the Right Coverage

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Choosing the best Medicare plan is one of the most important health insurance decisions many adults make after turning 65 or becoming eligible for Medicare.

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The challenge is simple: Medicare has choices, and those choices can affect your doctors, prescriptions, hospital costs, monthly premiums, and out-of-pocket expenses.

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Some people choose Original Medicare with a separate Part D prescription drug plan and possibly a Medicare Supplement Insurance policy, also called Medigap. Others choose a Medicare Advantage plan, also known as Part C, which is offered by private companies approved by Medicare.

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There is no single best plan for everyone. The best Medicare plan is the one that fits your doctors, prescriptions, health needs, travel habits, and budget.

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What Are the Main Types of Medicare Plans?

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Most people compare four main Medicare coverage options.

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Original Medicare

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Original Medicare includes Part A and Part B.

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Part A generally helps cover hospital care. Part B generally helps cover doctor visits, outpatient care, preventive services, and medical services.

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Original Medicare is run by the federal government. Many people add a separate Part D plan for prescription drug coverage.

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Medicare Advantage

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Medicare Advantage, also called Part C, is offered by private companies that contract with Medicare. These plans provide Part A and Part B benefits and often include Part D drug coverage. Some plans may offer extra benefits that Original Medicare does not cover.

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Medicare Part D

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Medicare Part D helps pay for brand-name and generic prescription drugs. It is optional and offered through private companies approved by Medicare. Medicare says people should consider drug coverage even if they do not currently take prescriptions, because late enrollment can lead to a penalty later.

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Medicare Supplement Insurance

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Medigap helps pay some out-of-pocket costs in Original Medicare, such as copayments, coinsurance, and deductibles. Medicare says you generally must have Original Medicare Part A and Part B to buy a Medigap policy.

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Medicare Advantage vs. Original Medicare

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This is one of the biggest decisions.

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Original Medicare may give you broader provider access, especially if you travel often or want flexibility. But it does not include most prescription drug coverage unless you buy Part D, and it does not have the same annual out-of-pocket limit structure that Medicare Advantage plans include.

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Medicare Advantage plans may offer bundled coverage with networks, drug coverage, and extra benefits. However, they often use provider networks and plan rules.

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Before choosing, ask:

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Are my doctors in network?
rnAre my prescriptions covered?
rnWhat is the monthly premium?
rnWhat is the deductible?
rnWhat is the maximum out-of-pocket cost?
rnDo I need referrals?
rnWhat hospitals can I use?
rnWhat happens when I travel?

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How to Compare Medicare Plans

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1. Check Your Doctors

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A plan is not useful if your preferred doctors, specialists, or hospitals are not included.

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For Medicare Advantage plans, check the provider network carefully.

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2. Review Your Prescriptions

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Drug coverage can vary by plan. A medication that is affordable under one plan may cost more under another.

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Check:

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Drug formulary
rnTier level
rnPreferred pharmacies
rnMail-order options
rnPrior authorization
rnStep therapy
rnQuantity limits

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3. Compare Total Costs

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Do not look only at the monthly premium.

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Compare:

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Premium
rnDeductible
rnCopays
rnCoinsurance
rnDrug costs
rnSpecialist costs
rnHospital costs
rnMaximum out-of-pocket limit
rnOut-of-network costs

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A plan with a low premium may still be expensive if your medications or doctors cost more.

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4. Look at Extra Benefits Carefully

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Some Medicare Advantage plans may offer extra benefits, but benefits vary by plan and location.

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Extra benefits may include:

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Dental
rnVision
rnHearing
rnFitness
rnTransportation
rnOver-the-counter allowance
rnMeal support after hospitalization

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Do not choose a plan only because of extras. Medical coverage, doctors, prescriptions, and total cost should come first.

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When Can You Change Medicare Plans?

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Medicare enrollment periods matter.

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The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already in a Medicare Advantage plan. During that time, you can switch to another Medicare Advantage plan or return to Original Medicare and join a separate drug plan.

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Other enrollment periods may apply depending on your situation, such as moving, losing coverage, or becoming newly eligible.

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Common Medicare Plan Mistakes

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Avoid these mistakes:

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Choosing only by monthly premium
rnIgnoring drug costs
rnNot checking doctor networks
rnAssuming dental coverage is full coverage
rnMissing enrollment deadlines
rnFailing to compare pharmacies
rnNot reviewing coverage every year
rnChoosing based only on TV ads
rnNot understanding prior authorization rules

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Medicare plans can change each year. Review your coverage annually.

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Final Thoughts

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The best Medicare plan is not always the cheapest plan. It is the plan that protects your health, covers your medications, includes your doctors, and fits your budget.

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Before enrolling, compare Original Medicare, Medicare Advantage, Part D, and Medigap options carefully.

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A smart Medicare decision today can help reduce surprise costs later.

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