Meet Lumi Zimbabwe s Top Model & Soccer Star Manager

Meet Lumi Zimbabwe's Top Model & Soccer Star Manager

By Staff Reporter
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62905
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August 30, 2019

There is more to the glamorous Luminitsa Jemwa than what meets the eye as in one of her other lives, she is a caregiver with a soft spot for women who have been victimised by abusive partners, HIV rape victims and orphaned children.
Jemwa uses her resources to offer this selected group with a second chance so they can approach life at the same level with everyone else who is not haunted by the demons that they have encountered.
The glamorous diva made headlines after she, dressed in an exquisite US$3 000 dollar red gown splashed US$60 000 on her grey and white themed 28th birthday celebrations prompting this publication to zoom in on her.
During an exclusive interview with the Zim Morning Post, South African based Jemwa revealed that she has an obligation to give back to the community and as such she pays school fees for over a thousand pupils.

“I do spend money but not only on myself, I have a foundation where I am paying school fees for a thousand students and as far as social responsibilities are concerned, I am doing my best,” she said.
“My journey of giving back to the community is not a newly found culture because when growing up, my mother would always take us to give away our old clothes to street kids regardless of us having so little at the time and I officially opened my foundation, ‘ Luminitsa’s Dream foundation’ in 2017 to carry out my duty at a larger scale.
“ I started by giving out clothes, shoes and food with the little that I had because I know exactly what it feels like to have nothing until I realised that I would not always be around to give out these things and getting them through tertiary education was not an option, rather I gave them the net so they fish for themselves.
“I send this group of people that I have selected to do courses which equips them with specific skills of their choice so they can work for themselves and better their lives and that of their children and families in general. I have four girls from Watsomba in the rural areas of Mutare who have graduated from dressmaking school and are currently working in Harare now since completing their courses last year.

“I also helped another girl from Masvingo with her hairdressing course and now she is a hairdresser and lives in Highfields and it might not seem like much to many people but I chose to give these women an opportunity at something, other than sitting and crying over their HIV status or their abused pasts or their family members that have passed on. Life goes on and we have all been through some hardships but we have to have hope for a better tomorrow and I chose to be that hope for people I can help.
“I use my connections to get the girls that would have completed their courses jobs and pay rentals in advance for them paying bills so they can settle in and start working for themselves.”
Jemwa is also works professionally with football players on a management level while working part time with CAF in another life.

Info News

Personal Injury Settlement: How Claims Are Valued and Negotiated

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Personal Injury Settlement: How Claims Are Valued and Negotiated

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Most personal injury cases settle before trial. But settlement value is not random.

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Insurance companies look at evidence, liability, medical treatment, lost wages, policy limits, injury severity, and legal risk. Injured people should understand what goes into a settlement before accepting an offer.

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A quick settlement may feel helpful, but it may not cover future medical care or long-term losses.

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What Is a Personal Injury Settlement?

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A settlement is an agreement to resolve a legal claim. The injured person usually receives compensation, and in exchange, signs a release giving up the right to pursue additional claims from the same incident.

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That release is serious. Once signed, the case is usually over.

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What Affects Settlement Value?

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1. Liability

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The stronger the evidence that the other party was at fault, the stronger the claim may be.

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Liability evidence may include:

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Police reports
rnPhotos
rnVideos
rnWitness statements
rnExpert analysis
rnCompany records
rnSafety violations

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2. Injury Severity

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More serious injuries often lead to higher damages.

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Examples include:

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Broken bones
rnSurgery
rnPermanent impairment
rnTraumatic brain injury
rnSpinal injury
rnSevere burns
rnLong-term disability

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3. Medical Bills

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Medical expenses are a major part of many claims.

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These may include:

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Emergency care
rnHospital bills
rnSurgery
rnPhysical therapy
rnMedication
rnSpecialist visits
rnFuture treatment
rnMedical equipment

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4. Lost Income

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If you missed work, lost overtime, used vacation time, or cannot return to the same job, wage losses matter.

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5. Pain and Suffering

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Pain and suffering may include physical pain, emotional distress, reduced quality of life, and loss of enjoyment.

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6. Insurance Coverage

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Even strong claims can be affected by available insurance limits.

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Why Insurance Companies Make Low Offers

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Insurance companies may offer less because they dispute:

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Fault
rnInjury severity
rnMedical necessity
rnTreatment length
rnPre-existing conditions
rnLost wage proof
rnFuture care needs
rnPain and suffering

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They may also hope you accept before knowing the full extent of your injuries.

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Should You Accept the First Settlement Offer?

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Usually, you should be careful.

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Before accepting, ask:

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Have I finished medical treatment?
rnDo I know my future medical needs?
rnHave lost wages been calculated?
rnAre all bills included?
rnDoes the offer cover pain and suffering?
rnWhat rights am I giving up?
rnAre there liens or medical bills to repay?

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A settlement should be reviewed carefully before signing.

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What Is a Demand Letter?

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A demand letter is a formal letter sent to the insurance company requesting settlement.

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It may include:

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Facts of the accident
rnLiability argument
rnMedical summary
rnMedical bills
rnLost wage calculation
rnPain and suffering explanation
rnSupporting documents
rnSettlement demand

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A strong demand letter is organized, evidence-based, and clear.

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How Long Does Settlement Take?

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Settlement timing depends on:

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Medical treatment length
rnInsurance investigation
rnLiability disputes
rnCase complexity
rnPolicy limits
rnNegotiation speed
rnWhether a lawsuit is filed
rnCourt schedule

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Cases with serious injuries often take longer because future damages must be evaluated.

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Medical Liens and Settlement

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Some medical providers, insurers, or government programs may have repayment rights from a settlement.

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Before spending settlement money, understand:

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Medical bills
rnHealth insurance liens
rnMedicare or Medicaid liens
rnWorkers’ compensation liens
rnAttorney fees
rnCase costs

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Final Thoughts

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A personal injury settlement should reflect the full impact of the injury, not just immediate bills.

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Before accepting any offer, make sure you understand your medical condition, future needs, lost income, liens, and legal rights.

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A personal injury lawyer can help evaluate whether a settlement offer is fair based on the evidence.

Construction Site Injury Lawyer Near Me: Know Your Legal Rights Today

A construction site injury lawyer near you helps workers understand their legal rights after an accident. Many victims are unaware that they may be entitled to compensation beyond workers’ compensation, including third-party liability claims. These claims can significantly increase the total compensation available.

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An experienced attorney evaluates your case to identify all possible sources of recovery. They explain your options clearly and guide you through the legal process. With proper legal advice, you can make informed decisions that protect your financial future and ensure justice is served.