Wednesday, July 29

Kasukuwere Ndakabhadhara Mari Dzese Dzandakatora While In ZanuPF I’m Straight Forward

FORMER Local Government minister Saviour Kasukuwere has challenged ex-Reserve Bank of Zimbabwe governor Gideon Gono and presented evidence that he settled his debt under the Farm Mechanisation Programme.

Kasukuwere was forced to absolve himself after a State-owned daily claimed that he did not pay back the loan under the programme after United Kingdom-based Zimbabwe lawyer Alex Magaisa disclosed the full list of top Zanu PF bigwigs and their cronies who benefited from the controversial scheme in 2007/8.

In a statement, the former Zanu PF national commissar blamed top party and government officials for hiding behind the finger, by claiming that the programme was not a loan in order to avoid paying back.

“It is with great disappointment that I learnt the RBZ and some former executives of the Fiscorp under which we were allocated farm equipment have professed ignorance on there being any payment on my part with respect to the items given to me,” Kasukuwere said.

“I have previously stated that I indeed made payment, and if anything was left outstanding, I would be happy to receive the relevant invoice and settle the payment. However, nothing has been done expect for public shaming of my person.”

Kasukuwere said he signed a purchase agreement with Fiscorp on November 19, 2008 which indicated he was to pay $3 390 533 275.

“Understanding the need for this equipment and my dedication to my farming operations, I made the payment the very next day, November 20 2008, through a CFX electronic funds transfer of the sum of $3 390 533 275.”

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SEO Meta Title Car Insurance Quotes: Compare Coverage and Save

Car insurance quotes can look simple at first glance, but two policies with the same monthly price can offer very different protection. One may include stronger liability limits, rental reimbursement, roadside assistance, accident forgiveness, or better uninsured motorist coverage. Another may look cheaper because it has a high deductible, low limits, or fewer coverage options. To avoid overpaying or buying weak coverage, compare quotes line by line.

Start with liability coverage. Liability insurance helps pay for injuries or property damage you cause to others in a covered accident. Most states require a minimum amount, but minimum coverage can be too low after a serious crash. Medical bills, vehicle repairs, legal defense, and judgments can rise quickly. When comparing quotes, look at bodily injury liability per person, bodily injury liability per accident, and property damage liability.

Next, review collision and comprehensive coverage. Collision coverage may help repair or replace your vehicle after a covered crash, regardless of who was at fault. Comprehensive coverage may help with theft, vandalism, hail, fire, falling objects, and certain weather-related damage. If you have a loan or lease, your lender may require both. If your vehicle is older and paid off, you can compare the cost of keeping physical damage coverage against the value of the car and your ability to replace it.

Uninsured and underinsured motorist coverage is often overlooked. It may help if another driver causes an accident and has no insurance or not enough insurance. In some states, this coverage can also apply to hit-and-run situations. Because not every driver carries strong limits, this coverage can be important even for careful drivers.

Medical payments coverage or personal injury protection may help with medical costs after an accident. The names and rules vary by state. Some states require personal injury protection, while others make it optional. If you already have health insurance, you may still want to understand how deductibles, passengers, lost wages, and claim handling work under your auto policy.

Deductibles are another major price factor. A higher deductible can lower the premium, but it also means you pay more out of pocket when filing a claim. Choose a deductible you could realistically pay after an accident. Saving a few dollars per month may not be worth it if the deductible would create financial stress.

Discounts can make a big difference, but they are not the same at every company. Ask about safe driver discounts, multi-policy discounts, multi-car discounts, good student discounts, defensive driving courses, low mileage programs, telematics programs, anti-theft devices, paperless billing, and paid-in-full discounts. Telematics can reward safe driving, but it may also use driving data such as speed, braking, mileage, and time of day. Read the details before enrolling.

When shopping, collect at least three quotes using the same coverage limits and deductibles. If one quote is much cheaper, ask why. It may exclude something important or use a different coverage level. Also check the insurer's claims reputation, customer service, financial strength, mobile app experience, and local agent availability.

Be careful with the phrase full coverage. It is not a standard legal term. People often use it to mean liability plus comprehensive and collision, but it may not include rental car coverage, gap insurance, roadside assistance, original equipment manufacturer parts, or high liability limits. Instead of asking for full coverage, specify the coverage types and limits you want.

Your personal situation also affects pricing. Insurers may consider your driving record, location, vehicle type, mileage, coverage history, age, claims history, and sometimes credit-based insurance scores where allowed. Because pricing models differ, the cheapest insurer for one driver may not be cheapest for another.

Review your policy after major life changes. Moving, buying a car, paying off a loan, adding a teen driver, getting married, changing jobs, or driving fewer miles can affect your coverage and premium. You should also compare rates before renewal because loyalty does not always guarantee the best price.

The goal is not simply to find the cheapest car insurance quote. The goal is to find a policy that balances price, protection, claim service, and peace of mind. A strong comparison process can help you avoid coverage gaps while still keeping the premium under control.

 

 

Mortgage Refinancing Options Homeowners Should Consider in 2026

Understanding Mortgage Refinancing

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Mortgage refinancing allows homeowners to replace their existing home loan with a new mortgage that offers updated terms, lower interest rates, or improved financial flexibility. Millions of homeowners refinance their mortgages to reduce monthly payments, shorten loan terms, or access home equity for major expenses.

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As interest rates fluctuate in 2026, refinancing continues to attract homeowners looking for long-term savings opportunities. Even a small reduction in interest rates can save borrowers thousands of dollars over the life of a loan. Refinancing can also help borrowers transition from adjustable-rate mortgages to more stable fixed-rate loan structures.

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Homeowners considering refinancing should evaluate their financial goals carefully before applying. Some borrowers focus on reducing monthly payments, while others prioritize paying off mortgages faster or consolidating debt using home equity.

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Benefits of Refinancing Your Mortgage

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One of the biggest benefits of mortgage refinancing is lower monthly payments. Reduced interest rates can significantly improve household cash flow, allowing homeowners to save more money or manage other financial obligations more comfortably.

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Refinancing may also shorten the loan repayment period. Some homeowners switch from 30-year mortgages to 15-year loans to reduce long-term interest expenses and build home equity faster.

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Cash-out refinancing is another popular option. This allows homeowners to borrow against accumulated home equity to finance renovations, education expenses, business investments, or debt consolidation.

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Factors to Consider Before Refinancing

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Although refinancing offers many advantages, homeowners should carefully compare lender fees, closing costs, and loan terms before making decisions. Refinancing costs may include appraisal fees, loan origination charges, title insurance, and legal expenses.

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Credit scores play a major role in refinancing approval and interest rates. Borrowers with stronger credit profiles generally qualify for more competitive terms and lower rates.

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Timing is also important. Homeowners planning to move within a short period may not benefit enough from refinancing savings to justify upfront costs.

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Final Thoughts

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Mortgage refinancing remains a powerful financial tool for homeowners seeking lower payments, improved loan terms, or greater financial flexibility. Careful planning and lender comparison can help borrowers maximize savings and avoid unnecessary expenses.

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By understanding refinancing options and evaluating long-term goals, homeowners can make smarter financial decisions that support long-term stability and wealth growth.

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