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Rufaro Hozheri Profile
Rufaro Hozheri

@andrea_hoxbucks

10,947
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11,332
Following
371
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7,254
Statuses

I like all the responses to my posts, whether I agree with them or not!

Harare, Zimbabwe
Joined January 2018
Don't wanna be here? Send us removal request.
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@andrea_hoxbucks
Rufaro Hozheri
2 years
📍April 2022 - RBZ suspends Innbucks 📍July 2022- Simbisa disposes its Stake in Innbucks to Ndoro Microfinance 📍July 2022 - In exchange, Simbisa gets 35% stake in Ndoro 📍August 2022 - Innbucks resumes operations 📍December 2022 - Ndoro re-brands to Innbucks Boss Moves
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@andrea_hoxbucks
Rufaro Hozheri
2 years
What if Elon Musk is Satoshi Nakamoto? Dude tweets and the coins is up!
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@andrea_hoxbucks
Rufaro Hozheri
7 months
They are in dire need of a Graphic Designer, the HR lady should also get a raise. Great Creativity!
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@andrea_hoxbucks
Rufaro Hozheri
9 months
This cover alone is equal to one and a half JP's alums.
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@andrea_hoxbucks
Rufaro Hozheri
2 months
I am not coming to church until you include this one in the Hymn Book
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@andrea_hoxbucks
Rufaro Hozheri
1 year
A country at War is giving grain for free to a country that had an 'amazing' agriculture season and broke some records... What am I missing?
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@andrea_hoxbucks
Rufaro Hozheri
2 years
In 2003, the Sungura legend, Aleck Macheso released an album called Zvakanaka Zvakadaro. It had a track named Monalisa. That song was so good that American hip hop stars Lil Wayne and Kendric Lamar had to do their own version. Legend!
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@andrea_hoxbucks
Rufaro Hozheri
7 months
One day TM PnP (Meikles) management will need to tell us how they managed to maintain the ZWL pricing and relatively defend their market share in such an environment
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@andrea_hoxbucks
Rufaro Hozheri
1 year
The Job Hunting period has to be worst phase for any young professional. Just seeing a missed call alert with a landline number... Hehe😂😂😂😂
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@andrea_hoxbucks
Rufaro Hozheri
4 months
One potato and 2 pieces of chicken went from $2 to $2.50 to $2.75 then $3, from there to $3.5 and to $4 Now it costs $4.50 ....and I am thinking when will it stop, at $6.50? $7 maybe🤔 When did we fall in love with potatoes that much? A concerned sadza eater!
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@andrea_hoxbucks
Rufaro Hozheri
2 months
Liquid unfazed by Starlink entry into Zim market - Herald Meanwhile prices are being slashed like no man's business
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@andrea_hoxbucks
Rufaro Hozheri
10 months
Unfortunately in Zim sometimes you have to switch to English in a certain accent for people to take you seriously. Otherwise in Banks, Hotels, Airports etc you might never get the top notch services if you don't do that
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@andrea_hoxbucks
Rufaro Hozheri
4 years
I live in a country where if you see someone with 2 boxes of pizza the first question you ask yourself is, Is today a Tuesday? loool
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@andrea_hoxbucks
Rufaro Hozheri
6 months
What did Vaya do wrong that inDrive, Rida etc manage to do differently to create a viable model?
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@andrea_hoxbucks
Rufaro Hozheri
2 months
This Gift Ostallos guy was just too much for Denny to handle
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@andrea_hoxbucks
Rufaro Hozheri
1 month
Forget about the 5am Club ZESA has made everyone a defacto member of the 3.30am Club🤣🤣🤣
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@andrea_hoxbucks
Rufaro Hozheri
3 months
Impressive developments at NUST, I am not sure why they didn't let the world know... I want to see NUST develop, grow and get back to the GOAT status it deserves These stories of saying we are segregated should stop, lets be innovative Lets think in other terms!
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@andrea_hoxbucks
Rufaro Hozheri
9 months
Dhara threw in one joke in that interview which i suspect alot missed but feel it was Goated. Tshabangu said, I will give you this advice Duty free And Dhara responded... in a country that is highly taxed?🤣🤣🤣🤣
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@andrea_hoxbucks
Rufaro Hozheri
6 months
Zim used to have a vibrant Cotton Industry, at some point Cotton exports were higher than Tobacco exports and Cottco used to one of the biggest companies on the exchange. For us who grew up in Kadoma, David Whitehead employed the entire neighbourhood. What went wrong?
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@andrea_hoxbucks
Rufaro Hozheri
4 months
Why didn't Fish Inn blow up? Zimbos don't like fish?
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Fungura – ZB Chinyemba – Kuvimba Hoto – FML Mboweni - Econet Mudavanhu - CBZ The Quants guys i.e. Actuaries & Mathematicians slowly taking over Corporate Zim... I would rather have them than Lawyers or CAs What’s your take?
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@andrea_hoxbucks
Rufaro Hozheri
9 months
Can we talk about this Dairiboard product for a moment? In my books its up there with Mazoe and cerevita I hope the sugar tax won't apply to it! Absolute pleasure.
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@andrea_hoxbucks
Rufaro Hozheri
6 months
Mimosa offloads 33 managers - NewsDay Tough times as the price of platinum is still to recover
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@andrea_hoxbucks
Rufaro Hozheri
5 months
What we lack in Zim are people who just say .... I don't have much information about this structured currency thingie, I will give my opinion after reading the official info, once it is out.
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@andrea_hoxbucks
Rufaro Hozheri
11 months
If you take the Herald headlines seriously you might end up cancelling your plans to leave the country.
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@andrea_hoxbucks
Rufaro Hozheri
8 months
@antomukuwa I don't know much about zvekuroora, but in the world of stocks and investments its like paying a dividend to a potential investor 🤣
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@andrea_hoxbucks
Rufaro Hozheri
5 months
How much do CEOs of listed companies in Zimbabwe earn a month on average? I have always wondered. US$20K?
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@andrea_hoxbucks
Rufaro Hozheri
8 months
JP: Handina kubvuta Ndaka Sarudzwa Winky: Umwe oti ndaka hwinha umwe oti waka bvuta Tovapa ground here?
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@andrea_hoxbucks
Rufaro Hozheri
9 months
The minister proposed a US$0.02 tax levy per gram of sugar contained in beverages with effect from 1 January 2024. Proceeds will assist in buying cancer diagnosis equipment. How much sugar is coke, or other fizzy? How will this affect Delta and Innscor? #2024 Budget
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@andrea_hoxbucks
Rufaro Hozheri
6 months
If Zimbabwe is to create another Forbes recognised USD billionaire, which industry or sector will that person come from?
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@andrea_hoxbucks
Rufaro Hozheri
1 year
So are we agreeable to the hypothesis that the majority of Zimbabweans are in the rural? I think its total nonsense, I've been to the rural. Can't we have ways to validate this? Sim cards, hospitals, anything besides census Cant we have a second opinion?
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@andrea_hoxbucks
Rufaro Hozheri
3 months
After careful analysis and consideration, I have concluded that this guy killed the 'T-bag' role! Better than Scoffield or Mahonne Whats your favourite line from him? Mine👇👇 ....don't worry before I ate it, I commited it to my photographic memory🤣🤣🤣
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@andrea_hoxbucks
Rufaro Hozheri
5 months
I went to FBC this other day to open a Prepaid Mastercard, I was told that we charge 2.5% deposit fee. DEPOSIT FEE😂😂😂 Forget transaction costs, this bank is saying if we ever see you in our banking hall with cash that you want to deposit, we will take 2.5% of that...
@antomukuwa
Uncle Tony
5 months
You didn’t know in Zimbabwe you get punished for using a bank 😂😂
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@andrea_hoxbucks
Rufaro Hozheri
9 months
So you genuinely thought the 2 piecers and the mirindas were for free🤣🤣 #2024 Budget
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@andrea_hoxbucks
Rufaro Hozheri
8 months
In a job interview, if the panel asked you, "Will you leave this job if you find a better one?” What will be your answer? @memorynguwi
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Can we start a thread of places that are accepting ZWL payments at reasonable rates?
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@andrea_hoxbucks
Rufaro Hozheri
3 months
Delta is now more than twice bigger than Econet! Delta's financial numbers give analysts a rough idea of aggregate demand due to its ubiquitous & diversified products portfolio. Today Delta is hosting analysts for a briefing on their FY23 numbers. Follow me for updates!
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@andrea_hoxbucks
Rufaro Hozheri
5 months
I ran/jogged/walked for 26kms today to celebrate my 26th and to remind myself what a fight it has been. Nyati imhenyu!
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@andrea_hoxbucks
Rufaro Hozheri
4 months
I just browsed through the financials of InnBucks, Its a fully fleshed banking institution. It has operations in retail banking, treasury, structured finance besides money transfer. Its Chairman is an Ex- CEO of a StanChart I said this before, I think it will list very soon!
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@andrea_hoxbucks
Rufaro Hozheri
1 year
"RTGS available".... I am starting to see these messages again, whats happening?
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@andrea_hoxbucks
Rufaro Hozheri
6 months
Universities out there teaching Finance, Banking & Investment, Banking & Finance, Financial Engineering, Finance & Accounting but not teaching coding each and every semester are board line committing mass murder.
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@andrea_hoxbucks
Rufaro Hozheri
3 years
Unfortunately nobody really prepares you for life after college. The graduation enthusiasm is short lived and if you're not lucky enough to know someone who knows someone that's it, you're done! Every day that passes you begin to lose hope.
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@andrea_hoxbucks
Rufaro Hozheri
5 months
NUST Engineering I think its high time we have this conversation... Are those 5 years necessary? Especially those doing Fibre & Polymer Materials Engineering
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@andrea_hoxbucks
Rufaro Hozheri
3 years
Econet Market Cap is now ZW$274b and its 17.5% of the market. Use whatever rate you want thats a billion dollar company right there!
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@andrea_hoxbucks
Rufaro Hozheri
5 months
Ndeipi Pyramid Scheme iri kupisa zvamamanje or mangwara manje 😂😂😂
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Congratulations Rufaro for publishing your latest article! Ohh such words give me joy... Having hosted experts in the Real Estate Market, I believe that I have accumulated enough insights to formulate an opinion and an article was due
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@andrea_hoxbucks
Rufaro Hozheri
4 months
When ZiG was introduced in October 2023, I wrote an article which I titled... So Is it a currency? It looked from onset as if it would replace ZWL, but I wasn't sure All I did was to ask some questions
@andrea_hoxbucks
Rufaro Hozheri
10 months
Obviously more Questions than Answers... Is the ZiG going to at some time replace ZWL? Is there enough gold to Back it? Is it paving way for a CBDC? 👇👇
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@andrea_hoxbucks
Rufaro Hozheri
6 months
@advocatemahere There could be specific other factors that pushed the MBO but from a competitiveness point, the Big 4 were losing business to the smaller and more flexible firms that can swiftly navigate the Zim environment without additional approvals from higher regional offices
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@andrea_hoxbucks
Rufaro Hozheri
4 months
Its going to be a crazy 3 weeks or so for us who use public transport in Zimbabwe.
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@andrea_hoxbucks
Rufaro Hozheri
2 years
Innscor finally overtakes EcoCash and is now the 3rd biggest counter by market cap. Best Performing counters this year 1. Simbisa 2.Axia 3. Innscor and don't you dare mention ZECO
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@andrea_hoxbucks
Rufaro Hozheri
2 years
Winky D ft Mwenje Mathole🔥🔥 Nherera😪😪😪 Does the Competition and Tariff Commission (CTC) even know about this?
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@andrea_hoxbucks
Rufaro Hozheri
3 months
Mutapa Investment Fund is looking for head analysts, 5 of them to lead their cluster. The full advert is in today's Herald. CFAs, CA(Z), CAIAs and the Actuarial gang go for it I think the requirements allow for someone in early to middle stage of their career👏👏
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@andrea_hoxbucks
Rufaro Hozheri
4 months
Streetwise 2 now costs the same amount as 2 piecer. You know its game on when you hear customers in a KFC shop saying I want that 2 piecer🤣🤣 The next step for KFC is to convince the market that KFC is not a special occassion meal, then we sit back and watch the war
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@andrea_hoxbucks
Rufaro Hozheri
2 years
Incase you missed it ⚡About 57% of Simbisa revenue came from Zim ⚡69 new stores to be opened by June 2022 ⚡In Zim all forex comes from sales not auction ⚡Target is 669 counters across Africa by CY end ⚡Payout ratio for interim div was 35% ⚡Runs a franchise model in DRC
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@andrea_hoxbucks
Rufaro Hozheri
1 year
One day ndisiri kumhanya mhanya we will need to talk about microfinance instititutions. How can we grow a country with cost of debt of 15-20% per month? Ko iya yamunoti establishment fee?
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@andrea_hoxbucks
Rufaro Hozheri
2 years
NUST wins the CFA Research challenge for the 4th time in a row! Congratulations team NUST.
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Thinking that the exchange rate will fall because there is currently no ZWL in the formal corporate sector is like thinking that you can commit suicide by holding your breath🤣🤣🤣 If you think I am exaggerating, revisit this tweet in 90 days
@BusisaMoyo
Busisa Moyo
1 year
Since there almost zero RTGS in formal & large corporate sectors, banks also dry. How will market actors sustain a rate of 8,000 informal🤔 and 7,000-7,100 in the formal?
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Do you agree? Most of the best Commercial Students at A Level are Sciences rejects Some of the best Bankers, Finance and Investment professionals have Engineering or Physics background
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@andrea_hoxbucks
Rufaro Hozheri
5 months
@baba_nyenyedzi I wonder how many people buy the data that you chose as your example, and also tell people that the data you chose expires after 24 hours... Any sincere analysis would be on USD prices
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@andrea_hoxbucks
Rufaro Hozheri
11 months
There is no valid reason for Formal Retailers to cry foul over unfair competition by Tuckshops, who pay higher rents and doesnt have credit facilities.. Retailers need to be innovative. ~MoFED Pem Sec.~ Is it a fair submission?
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@andrea_hoxbucks
Rufaro Hozheri
26 days
CBZ invests US$150 mln in high-end housing project: Herald ✳️Promoter: Datvest ✳️Targeted Completion: December 2025 ✳️8,000 units ✳️Size: 400 -1,200 meters The project is expected to also have schools, a large hospital and a shopping mall. Thoughts?
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@andrea_hoxbucks
Rufaro Hozheri
6 months
Its not like I don't appreciate the new skool cats, but when I listen to Audius Mtawarira, Roy & Royce, Innocent Utsiwegota, Decibel etc and I listen to the new cats.... You can't convince me that musically as a nation we have grown, maybe in numbers but not quality. No!
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@andrea_hoxbucks
Rufaro Hozheri
5 months
@greatzimbabw Welly ukuwanza chirungu, ndiri kuda number
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@andrea_hoxbucks
Rufaro Hozheri
5 months
I usually stop reading articles each time I come across the author saying the ZWL has lost 900% of its value🤣🤣🤣
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Zvadhakwa Vabereki I hope this wont be the same feeling come 23 August
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@andrea_hoxbucks
Rufaro Hozheri
9 months
Delta Considering reporting in USD come Full Year results👏👏 Because I honestly have no clue what ZWL1.9 trillion means. If Delta reports in USD, I know OKZ has started quoting prices on shelves in USD and others follow, why should ZSE remain ZWL?
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@andrea_hoxbucks
Rufaro Hozheri
1 year
If I were Simbisa I would stop pricing in USD and price in ZWL like OK. Pricing is USD is essentially selling USD at official allowable rate whilst the opposite is true. That's why OK shops rarely switch the POS machine.
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@andrea_hoxbucks
Rufaro Hozheri
3 months
Is the informal market wrong for using 10 ZiG as US$0.5 effectively putting the exchange rate at US$1 :20ZiG?
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@andrea_hoxbucks
Rufaro Hozheri
1 year
In 2021 NSSA disposed 32.5% stake in ZB Today NSSA sold off 36% stake in FML to CBZ... In all these deals I hope the pensioner's interest is considered and she will be better off at the end of the day. Anyways what do you think? #ZW Capital Markets
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@andrea_hoxbucks
Rufaro Hozheri
1 month
The Wolf of Wall Street has to be the best Finance/Investment movie ever, if not the best movie ever "Let me tell you something. There is no nobility in poverty. I've been a rich man, and I've been poor man. And I choose rich every 🤐 time" What was your best scene?
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@andrea_hoxbucks
Rufaro Hozheri
4 months
Vendors and conductors just taught us there is a difference between dollar for 2 and US$0.50🤣🤣🤣
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Confirmed! Delta partners Heineken #DeltaAnalystBriefing
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Delta employs about 7,000 direct workers. Around 150 apprentices and 50 Graduate Trainees a year!
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@andrea_hoxbucks
Rufaro Hozheri
4 years
Why do people think Harare Institute of Technology(HIT) is a polytechnic? Is it because it doesnt include the word "University" in its name or its just ignorance?
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@andrea_hoxbucks
Rufaro Hozheri
2 years
Who do we trade most with? Zim's imports for the 4 months to April 2022 1. South Africa $1.116bln 2. China $ 348mln 3. Singapore $348mln 4. Mauritius $133mln 5. Mozambique $87mln Total Imports $2.6bln Which country surprised you the most?
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@andrea_hoxbucks
Rufaro Hozheri
11 months
I once wrote an article on Informalisation being a big threat to formal business viability.... Although I still maintain that thinking, formal business pricing could also be another threat to their continued existence
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@andrea_hoxbucks
Rufaro Hozheri
4 months
In 2010, Diaspora Remittances were just US$260 million, by 2023 that number had grown to US$1.8 billion. How much of that growth can we attribute to the increase in the diaspora community versus the fact that the general Zimbabwean has just become poorer by the day?
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@andrea_hoxbucks
Rufaro Hozheri
15 days
Spent some quality time downloading the knowledge and wisdom from the Money & Moves Guy @tmukogo If you notice an improvement in the quality of my posts and articles, just know where I am getting it from😀
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@andrea_hoxbucks
Rufaro Hozheri
2 years
In Case you missed it! Zim's top exports for the 4 months to April 1. Gold $629mln 2. Nickel mates, oxides, etc. $406mln 3. Unmanufactured tobacco $298mln 4. Nickel ores and concentrates $296mln 5. Ferro-Alloys $296mln Total Exports $2.13bln
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@andrea_hoxbucks
Rufaro Hozheri
9 months
Can someone give me an economic reason why tithe and offering should not be taxed. Churches are some of the most succesful businesses & might have a duty to build our country. NB: Everything including gvts belong to God, we are just trying to survive on Earth. Thoughts.
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@andrea_hoxbucks
Rufaro Hozheri
8 months
So $100 is now more than a million zim dollars?
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@andrea_hoxbucks
Rufaro Hozheri
6 months
CA in the making, Aspiring CFA, Don't put that nonsense on your resume, just don't! What about CFA level 1 Candidate? Well you might, but really who are you fooling? 🤣🤣🤣🤣
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@andrea_hoxbucks
Rufaro Hozheri
8 months
Dandemutande invests US$8m in fibre optic network - Herald I've heard arguments that satellite internet (Starlink) will compete or even replace the fibre optics, is this argument well informed? Why is Dande investing more in fibre? NB: Genuine questions, not my forte!
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@andrea_hoxbucks
Rufaro Hozheri
11 months
I think in Zimbabwe we should stop quoting the GDP number until we know what we are talking about.. How Economists and Business Practioners be cherry picking any number between $18 _ 30 billion ....and Zimstat please stop giving us GDP numbers in ZWL, it helps noone
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@andrea_hoxbucks
Rufaro Hozheri
10 months
Does the RBZ know that the market has now rejected this one?
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@andrea_hoxbucks
Rufaro Hozheri
6 months
There is something @TrevorNcube said that's been on my mind for a while. He said parenting is one of the toughest jobs on earth, yet candidates get the job without any qualification. Is it justified to have kids without proper planning and resources or its selfishness? 🤔
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@andrea_hoxbucks
Rufaro Hozheri
5 months
The whole idea is make lots of money and start preaching about how money isn't everything...
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@andrea_hoxbucks
Rufaro Hozheri
1 year
For every $1 that Meikles recorded as an Operating Expense, $0.50 of that went towards employee costs i.e. mainly salaries and other employee expenses... How important is it to maintain employees welfare in such an environment? Would be interesting to see OK Zim's ratio
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@andrea_hoxbucks
Rufaro Hozheri
11 months
An S.I. might be needed to remove trucks from the road and promote use of rail, Minister Mthuli hinted Thoughts? #ZEDCON2023
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@andrea_hoxbucks
Rufaro Hozheri
2 years
Are you an investor who prefers dividends over capital gains? Well, compiled a list of the best dividend paying counters in Zim in 2022. Financial Institutions and Consumer Staples dominated the list. Check my article in the Business Weekly👇👇
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@andrea_hoxbucks
Rufaro Hozheri
4 months
I am by no means a marketing person, but the one time visited a friend in a marketing class, I heard them saying Never allow your customer to taste the product of a competitor. The economy has tasted full dollarisation once again.
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@andrea_hoxbucks
Rufaro Hozheri
5 months
Restapedic, a subsidiary of TV Sales & Home, which is part of the VFEX listed Axia Corporation is finalising a bed production plant in Sunway City, with a capacity of 10k beds per month #Axia Analyst Briefing
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Interesting.... Can this lead CA(Z) inflation? I forsee cannibalization on CTA & ITC exams Anyways dont forget to register for CFA L1 when you are done😅
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@andrea_hoxbucks
Rufaro Hozheri
3 years
When did you realise that BACOSSI was an abbreviation for Basic Comnodities Supply-Side Interventions?
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@andrea_hoxbucks
Rufaro Hozheri
5 months
Those first 15 minutes or so after you have just woken up, were you start asking yourself if you really need this job🤣🤣🤣 Check your savings and calculate how long you would survive if you were to quit🤣 We all do that, don't we?
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@andrea_hoxbucks
Rufaro Hozheri
4 months
Going forward Zimstat will be publishing 3 CPIs, the ZiG, the USD one and the blended CPI... This is something the market has been asking for, especially during the ZWL days Good move?
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@andrea_hoxbucks
Rufaro Hozheri
9 months
You can't commit suicide by holding your breath, eventually you will let go. Anyways rate rava pachii?
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@andrea_hoxbucks
Rufaro Hozheri
1 year
Will this not attract more Sanctions?😂😂😂😂
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@andrea_hoxbucks
Rufaro Hozheri
1 month
Posting only about business, finance and the economy on X is fine, but yesterday I scrolled for about 2 hours on my timeline looking for the screenshots🤣🤣🤣🤣
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@andrea_hoxbucks
Rufaro Hozheri
4 years
Ukaona uchiti handidyiwe mari I think unenge usina
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