Saturday, June 20

Meet Lumi Zimbabwe's Top Model & Soccer Star Manager

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.

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Personal Injury Lawyers: What Accident Victims Need to Know About Compensation Claims

Personal injury law remains one of the most important legal areas for individuals who suffer injuries due to accidents or negligence. Every year, millions of people are involved in car accidents, workplace injuries, slip-and-fall incidents, and medical malpractice cases that result in physical pain, emotional distress, and financial hardship. Personal injury lawyers help victims recover compensation for medical expenses, lost wages, rehabilitation costs, and other damages caused by accidents.

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Hiring an experienced personal injury attorney can significantly improve the outcome of a legal claim. Insurance companies often attempt to reduce payouts or deny responsibility altogether, leaving victims struggling to cover medical bills and everyday expenses. Attorneys understand how to gather evidence, negotiate settlements, and represent clients in court when necessary. Evidence such as police reports, medical records, witness statements, and photographs can strengthen a compensation claim and increase the likelihood of a favorable result.

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Many personal injury law firms work on a contingency fee basis, meaning clients do not pay legal fees unless compensation is successfully recovered. This makes legal representation more accessible for individuals facing financial difficulties after serious accidents. Experts recommend seeking legal advice as soon as possible because delays can impact evidence collection and legal deadlines. Understanding personal injury rights is essential for anyone involved in an accident caused by another party’s negligence.

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Home Equity Loan vs HELOC: Which One Is Better?

Homeowners who have built equity may be able to borrow against their home. Two common options are a home equity loan and a home equity line of credit, also called a HELOC.

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A home equity loan gives you a lump sum of money with a fixed interest rate and fixed monthly payments. This can be useful for one-time expenses such as home renovations, medical bills, debt consolidation, or major repairs.

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A HELOC works more like a credit card. You get access to a credit line and can borrow as needed during the draw period. HELOCs often have variable interest rates, which means your payment can change over time.

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The best choice depends on your needs. If you know exactly how much money you need and want predictable payments, a home equity loan may be better. If you want flexibility and do not need all the money at once, a HELOC may be a better fit.

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Both options use your home as collateral. This means if you cannot repay the loan, your home could be at risk. That is why you should borrow carefully.

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Home equity financing may be used for home improvements, which can increase property value. However, using home equity for vacations, luxury purchases, or short-term spending can be risky.

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Before applying, compare interest rates, fees, repayment terms, minimum payments, and closing costs. Also ask whether the rate is fixed or variable.

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Your credit score, income, debt, home value, and available equity will affect approval.

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A home equity loan and HELOC can both be powerful financial tools, but they should be used responsibly. The right choice depends on whether you need stability, flexibility, or a combination of both.

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