Tuesday, July 21

Hopewell Chin'ono Diaries Financial Literacy Thread

1. Guys! Have you ever thought about the amount of money you spend over 12 months drinking in places like hotels and bars?

You would spend a third or less if you created the same ambience at home by making your wife and family/friends your pub mates in your homes instead of hotels!

2. Some men don’t enjoy being at home because they haven’t created the kind of environment they chase after in places like Meikles Hotel.

These things are not expensive at all, you probably spend 10 times more in hotels drinking booze than you would if you set up your own bar at home.

3. Wealthy people don’t drink in pubs or hotels daily!

That is why they are wealthy, they don’t waste their resources on making hoteliers rich daily!

They spend more time with their families, they invite friends home, they make their homes comfortable, so they don’t desert home!

4. Alcohol is not meant to be taken daily!
Having a bar at home is not expensive either, it will save you money than drinking in hotels daily.

Over 10 yrs you can easily build a good bar. Imagine buying 3 bottles a month over 10 yrs.
Enjoy being at home by creating the ambience!

When you get alcohol gifts, they are not meant to be polished immediately, drinking is not a necessity, it is a pastime.

Many amongst us spend more money on booze than even buying books, balance is important!

Related Articles
1. Financial Literacy|

I passed through a maternity hospital set up by a friend’s mother, who was a midwife nurse in the UK.

It is in Harare’s Waterfalls suburb of Prospect and it is aptly named, Prospect Palms Private Maternity Hospital.

Nomusa Muhlwa and her mother Jane Wynne took me around the hospital. WATCH and LEARN

2. Since the hospital was opened to the public in 2017, NO mother or child has died.

Maternal mortality in Zimbabwe currently stands at 614 deaths per 100,000 live births, one of the highest maternal mortality rates worldwide.

So Prospest Palms has done extremely well with zero maternal mortality in 2 years since it opened its doors to the public.

3. The hospital runs its own kitchen with a chef attending to the special and different dietary needs of its patients.

Patients have individual designed meals according to their tastes.

The hospital also has its own laundry unit with a tailor based at the hospital.

All uniforms are made on site. Nomusa who is visiting her mother from the UK is also a trained nurse working in Britain, she helps her mother when she is back home in holidays.

This is financial literacy, from being a nurse, Jane now owns her own hospital creating employment, providing world class healthcare and passing on the midwifery skills she acquired in the UK.

The facility was set up from her personal savings, she doesn’t owe a bank any money, instead of buying Range Rovers, she invested in tomorrow’s health care today.

Hospital email address is: Enquiries@Prospectpalms.org

Website: https://www.prospectpalms.org/

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Military Divorce Lawyer: Special Rules for Service Members and Spouses

 Military Divorce Lawyer: Divorce Help for Service Members and Spouses
Learn how military divorce differs from civilian divorce, including retirement division, custody, deployment, benefits, support, and jurisdiction issues.
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Military Divorce Lawyer: Special Rules for Service Members and Spouses

Military divorce can be more complicated than a civilian divorce.

Service members and spouses may face special issues involving military retirement, deployment, housing benefits, health coverage, custody, support, and jurisdiction.

A military divorce lawyer helps families understand how military rules and state divorce laws interact.

What Makes Military Divorce Different?

Military divorce may involve:

Active duty service
Deployment
Frequent relocation
Military retirement
BAH and BAS income
TRICARE issues
Survivor Benefit Plan
Parenting during deployment
Servicemembers Civil Relief Act
VA disability benefits
Military pensions
Jurisdiction questions

These issues require careful handling.

Where Should a Military Divorce Be Filed?

Military families may have ties to multiple states.

Possible filing locations may include:

Where the service member is stationed
Where the spouse lives
Where the service member claims legal residence
Where the children live
Where property is located

Jurisdiction can affect custody, support, and property division.

Military Retirement and Divorce

Military retirement can be one of the most valuable marital assets.

Important questions include:

How much of the retirement is marital?
How will it be divided?
Is a military pension division order needed?
Does the 10/10 rule apply for direct payment?
What happens if the service member is not retired yet?
How does disability pay affect division?
Should Survivor Benefit Plan coverage be addressed?

A lawyer should draft retirement language carefully.

Custody and Deployment

Deployment can complicate parenting plans.

A military parenting plan may address:

Temporary custody during deployment
Virtual communication
Make-up parenting time
Travel costs
Notice requirements
Return-from-deployment schedule
Decision-making during absence
Family care plans

Courts generally try to protect the child’s stability while recognizing military obligations.

Child Support and Spousal Support

Military income may include:

Base pay
Basic Allowance for Housing
Basic Allowance for Subsistence
Special pay
Bonuses
Retirement pay
Disability pay

Support calculations may need careful review because military pay has multiple parts.

Health Insurance and Benefits

Divorce may affect access to TRICARE and other benefits.

Some former spouses may qualify under specific military rules, but eligibility depends on marriage length, service overlap, and other factors.

Do not assume benefits continue automatically after divorce.

Servicemembers Civil Relief Act

The Servicemembers Civil Relief Act may provide protections for active duty service members in certain civil cases, including possible delays when military service affects the ability to participate.

This does not make divorce impossible, but it may affect timing.

Why Legal Help Matters

Military divorce mistakes can affect:

Retirement division
Survivor benefits
Custody schedules
Support amounts
Health coverage
Tax issues
Future enforcement
Direct pension payments

A regular divorce lawyer may not understand military-specific rules.

Final Thoughts

A military divorce lawyer can help service members and spouses navigate the unique legal and financial issues involved in military family law.

If your divorce involves deployment, military retirement, TRICARE, BAH, custody across states, or service-related benefits, get legal guidance before signing any agreement.

Slip And Fall Lawyer: What To Do After Being Injured On Someone Else’s Property

A slip and fall accident can happen anywhere: a grocery store, restaurant, parking lot, apartment building, hotel, or workplace. While some falls are minor, others can cause broken bones, back injuries, head trauma, hip injuries, or long-term pain.

A slip and fall lawyer helps injured people pursue claims when unsafe property conditions caused the fall. These conditions may include wet floors, poor lighting, broken stairs, loose rugs, icy sidewalks, uneven pavement, or missing warning signs.

To have a strong claim, you usually need to show that the property owner knew or should have known about the dangerous condition and failed to fix it or warn people. Evidence is very important in these cases.

After a fall, take photos of the area, report the incident to the property owner or manager, get witness information, and seek medical attention. Do not rely only on memory because the dangerous condition may be cleaned up or repaired quickly.

Insurance companies may argue that you were not paying attention or that your shoes caused the fall. A lawyer can help push back against these arguments and investigate what really happened.

Compensation may include medical bills, lost wages, pain and suffering, physical therapy, and future care. If you were hurt because a business or property owner failed to keep the area safe, a slip and fall attorney may help you understand your legal options.