Sunday, June 21, 2020

WHAT I LEARNT FROM MY FATHER

My father had been ill for over a year, the day he died, it was early November 1990. I dreamt about his death the previous night. When I woke up, I told my mother about my dream and she just told me to go to school. I arrived home around 5pm from school and I learnt an ambulance had just taken him to Marondera Provincial Hospital where he died early that evening. He was 36 and I was 14. My father had suffered for over a year.

That evening, his colleagues in the police force wanted to inform my grandmother about his death. My mother was in no condition to travel  to our village in Murehwa. I volunteered to show police the way to our village and we went via Macheke and Nhowe Mission. We arrived around midnight. The police officers informed my grandmother about the death and she started crying. My grandfather whom I am named after had married a second wife and moved to Chikore with his new wife a few years after I was born. I only saw my grandfather a few times. My grandmother wanted to inform her older brother Mr Johane Mukoko so we drove to village 36 to inform him.

In 1990 death was not very common like now. Then the Zimbabwean government was not broke. I remember my father’s casket in the brand new police Landrover Defender pick-up. There were many lorries that fetched mourners from Marondera to Murehwa. At the graveside police did the mandatory gun salute and a lot of villagers were really scared. We viewed the casket for the last time and my father appeared as if he was sleeping. His death hit my mother and my grandmother really hard. My maternal grandmother had died a few weeks before and my mother didn’t go to the funeral as my father was seriously ill.

As the first born, my father’s death made me grow up quickly. My father was a man of few words. He was a very patient man, he rarely disciplined me as that was left to my mother. Like all policemen he dealt with facts, he wanted direct to the point answers. When he asked you to do something you listened carefully as he didn’t like repeating himself. He taught me to iron clothes as he always ironed his own clothes. He liked reading everyday from Herald or Chronicle Newspapers and Newsweek and Time magazines. After he was done reading I would read. Even in primary school I knew about Cold War and Nuclear Weapons. He was a lousy cook, when mum was away he cooked sadza(pap) with lumps, I would struggle to eat the sadza as lumps made me want to vomit.

Like many men in my extended family who fought during the liberation war, he  suffered from Post-Traumatic Stress Disorder. After the war ended, he related very well with his uncle, cousins, nephews and nieces who had fought on the side of Zanu-PF. Most of 1990 he was on sick leave and so I spent a lot of time with him. In 1990 there was not much information or therapy for HIV or AIDS. At times he could not see, so I would accompany him to the loo. At Dombotombo Police Station we used a communal toilet and it was a tricky situation.

When he felt a bit better, I would talk to him. Everyone I met from his cousins and school mates told me how intelligent he was. After finishing the grades available at the nearby Jekwa School in the late 60s he had to cycle to Dombwe school about 14kms in order to continue with his education. He passed his Standard 6 education. Then there was no nearby secondary schools in the villages. To go for high school he had to go to boarding schools such as Murewa Mission.

As recounted by my father my grandfather wanted to sell cows so that he could continue with his education and the younger wife refused. My father told me never to have more than one wife as that would bring misery to yourself, your spouse and your children. My father had to look for work armed with a standard 6 education. Then in Rhodesia there was very few options for Africans, he started as a game ranger in the Kariba area and later joined the hated Rhodesia Police. He fought the war on the wrong side. As an African, he had a glass ceiling. After independence he continued in the police but it was obvious that there was bias towards war veterans. My father aced the police examinations but he was never promoted for among other things indiscipline.

Another important lesson from my father, the lesson came too late in his life. He told me that your spouse must be your best friend and not your siblings or your own friends. He had seen that when he became seriously sick all his friends who influenced him to do the wrong thing where nowhere to be seen, the only person who stuck with him was my mother. When his will was read, it was clear he had seen the light. He also told me a hilarious story to show why you must always listen to opinions of other people. He said there was a woman who never wanted to hear the opinion of her husband and one day she didn’t dress properly and her undergarments were exposed. The husband was really scared to say anything, when she went outside neighbours told her.

The reason why I don’t smoke nor drink that much alcohol is what I witnessed from my father in the 80s. I didn’t like it when he was drunk nor smoke. About two years before his death, my father took out a life insurance policy with Zimnat Life Insurance and nominated myself and my mother as co-beneficiaries. That money paid for my education and it only ran out in my final A’Level year and my school fees and examination fees were paid by the department of social welfare. In January 2004,  I would join Zimnat Group as a middle level manager.

Thursday, June 4, 2020

A VIEW FROM A FOREIGNER, SOUTH AFRICA HAS SO MANY OPPORTUNITIES

I know my South African friends will not like to hear this, but I will say it anyway🤣 SA has many opportunities for small businesses. It explains why many foreigners will quickly start a business on arriving in South Africa.
 
By the time I left Zimbabwe in August 2007, I had been a middle level manager. Even on that level my monthly salary hovered around R1 000, it was not enough to buy a bed cash in Zimbabwe. Like many Zimbabweans, I now made more in my hustles and only stayed in the job for benefits I had such as 300 litres monthly petrol, use of a reliable company vehicle a Toyota double cab and the 3 bedroom company house in Burnside, Bulawayo. By that time sales from my shops were over R20 000 per week. I eventually resigned after I bought myself an Isuzu bakkie and decided to concentrate on my hustles, Mugabe introduced the mid 2007 price control blitz😡
 
Salaries in South Africa are generally higher than in Zimbabwe yet goods and services are much cheaper with the exception of rentals which are more expensive in South Africa. Those expensive rentals is a business opportunity. My first business within 4 months of arriving in South Africa was rentals. My brother in law and his friend also from Zimbabwe had rented for years a 2 bedroom flat in Sunnyside when they were both PHD students at University of Pretoria, in December 2007, they were moving out and I took over the flat whose rent was R2 400. I rented out the dining room to three Zimbabwean ladies for around R2 400, the other bedroom to a couple for R2 000. The friend was not happy with me making money and cancelled the lease with the agent and I moved out on the fifth month.

Currently around Pretoria Central, Sunnyside, Arcadia etc there are people whose own source of income is having about 5 flats in their name and they rent out spaces to tertiary institutions students making a decent profit from each flat. I know of friends who save or take out loans and build rooms for rental in townships. In many surbubs you can advertise to share your home, it is a good idea when you have lost your job and you are struggling to pay your bond. There is no need to be embarrassed we all go through hardships at some point in life. You do what you have to do to get through the tough spell. The financial system in South Africa is more accessible to individuals and the interests rates are more affordable. I was able to buy my first car within 3 months of arriving in South Africa and paid very affordable installments. In Zimbabwe I wouldn’t be able to do so. I got my first credit card on the 4th months and with the money I was able to reopen my shop in Janhi, Mutoko in January 2008. Due to the inflationary environment of 2008 and massive devaluation of the Zimbabwe dollar I was losing so much money and I closed the shop.

In Zimbabwe for you to get a homeloan, you needed the support of your employer to guarantee the loan otherwise you would not qualify nor afford the installments. Many foreigners will start looking to buy a home as soon as they arrive in South Africa even though it not very easy for foreigners to do so but the terms are much better than back home. Whilst I saw my South African friends buying the expensive VW Golf GTI or VW Polo GTI, I saw foreigners financing Uber vehicles. In 2017 I met a Zimbabwean who had four Uber black vehicles. For a price of one Golf GTI you can buy up to three International haulage trucks in a fair condition. Even buying a bakkie or a double cab makes sense, you can carry furniture for your neighbours and get extra income. During your off days, you can drive to Mpumalanga buy green mealies or oranges and sell from the side of the road and earn extra income. You can even employ someone else.
 
The adherence to rule of law in South Africa is good for business. I ran general dealer shops in Zimbabwe from 2001 up to 2008, things would be change overnight. During elections government would impose unreasonable price controls and confiscate your goods. In South Africa you can open your tuckshop or takeaway at home and the government will not arbitrarily demolish your business without a court order. In Zimbabwe things are different, I remember Robert Mugabe whilst opening the new highway to the airport in Harare once asked why there were houses on the way to the airport. Those houses had been there for years. The next few days the entire neighborhood was demolished😢
 
Many of my black South African friends envy Zimbabwe’s land reform but the reality is that the economic and legal environment makes it very risky to even farm in Zimbabwe. I can get as much land I need from relatives and friends. Some people have over 30 hectares of land that is lying unutilised. You can grow your maize and you will be compelled by law to sale to the state and be paid the useless Zimbabwean dollar. You can bring in your forex and grow as much tobacco as you want, when the tobacco is sold the government will pocket the US$ and you are paid in Zimbabwean dollar bank transfer and not cash. The current black market rate is about 4 times the official rate, so by farming tobacco you are losing money at the expense of the government which pockets your forex.
 
In Zimbabwe for you to get cash you pay a premium of up to 60%😢 Many people leave farms in Zimbabwe and decide to come and work in South Africa because the government policies in Zimbabwe can easily bankrupt a farmer. If South Africa is able to do a responsible and sensible land reform this will make South Africa more attractive for small businesses.

Tuesday, June 2, 2020

ENTREPRENEURSHIP- WORKING ON YOUR BUSINESS IDEA

 
In 2011, we had finished building a 2 bedroom house self-funded at our stand in Zimre Park just outside Harare. The tenant moved in on 1 January 2011. That year I also opened a tuck shop at home as I have extensive experience in running general dealer shops. Zimbabwe was still using US$. I had an idea to raise broiler chicken at home. I grew up raising chicken. I planned for the project at home in Pretoria and presented my costing to my wife, she also has an accounting degree. So I have to convince myself first and then also get her input. I wanted the chicken to be ready by Christmas. I took a bus to Harare towards end of October, I visited hardwire shops and bought 600 chicks, feeding and drinking trays to be delivered around 8 November. I bought wooden planks and a few metal roof sheets and constructed a small fowl run. My plan was to extend the fowl run as the chicken grew and this is exactly what we did. Months later someone rented that fowl run. 

I had won my first overseas incentive top performers award at work, MaNyoni and I were going to fly to Phuket, Thailand on 31 October 2011 and come back around 8 November 2011. Mereka Maruwira was going to collect the chicks and raise them. I would come to Harare every two weeks to monitor, expand the fowl run and buy feed. December 2011 was hectic as I went to Zimbabwe every weekend.The easiest way to travel was flying but then getting a flight on Friday around 7pm and coming back on Sunday evening to South Africa is normally the most expensive time to fly and will cost around R5 000.00, it was better to use the the road and invest the savings in my project. Driving 2100 kms over the weekend was also tiring and expensive. Taking the bus was out of question because I only had the weekend and buses leave Pretoria when I am still at work. I would go to Johannesburg after work on Fridays, board a minibus to Beitbridge border post around midnight for around R250.00. The whole return trip only cost me R1 000.00.

I would cross both borders on foot, get lifts to Harare either from buses that would have finished border clearance formalities or from people who would have come to buy Japanese used cars in Musina. I would get to Harare on Saturday morning, buy stock for my tuck shop, chicken feed and solve the problem at the chicken project. On Sunday morning I would leave home around 6am to get lifts to Beitbridge and would arrive in Pretoria before 8pm. During Christmas holidays I hiked to Harare arrived early on 25 December and went straight to Mbare chicken market and negotiated a good price with the guys, they hired a truck and they bought half of the stock in cash. The following week on New Year, I eventually drove to Harare and negotiated to sell the remaining chicken. I lost money because my guys didn’t properly dress the chicken 😢

Starting a hustle or a project is time consuming and it needs dedication. It is not impossible. Over the years I have learnt that people only cares for your project the same way you care for it. It’s not just about sending money but you need to invest your time in the project as well. Plan your project don’t hesitate, implement it and start solving problems as you go ahead. There is no point in over planning. In this case I knew the first 3 weeks I didn’t need a lot of feed. When I got paid the next month I bought more feed and expanded the fowl run.