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Chapter 20: The Future


“We are living in a time of violence and this violence is born out of inequality. We could have much less violence if the world’s riches, including science, technology and morality – those great human creations – were spread more evenly.”[i]

Did you know?
  • The fifth biggest “country” in the world is Facebook. That’s right, a country that only exists on the Internet has over 700 million people sharing their thoughts, photographs, birthdays, love lives, interests and causes with one another. In the “Nation of Facebook” your every thought is shared with all your friends at once. They can indicate if they like it, or make a comment. In addition, you or a friend can “write on the wall” if you wish to send each other private messages. The photographs area allows you to upload any of your photos and share them instantly with those you know. The best feature is the ability to tag a friend, and everyone they know will be informed that a photo has been loaded.

  • In the Twitter application an actor, Ashton Kutcher, beat the news company CNN to having a million users following their “twitting” (Twitter is a service that allows you to send and post SMS messages to a network of contacts.) Kutcher had challenged CNN to the Twitter race, saying he would donate 10,000 mosquito bed nets to charity for World Malaria Day in late April if he beat CNN, and 1,000 if he lost. CNN agreed to do the same. "It's a turning point in media. He's one person who uses a free media platform to reach a large audience. And that really hasn't been done before," Cherwenka said. "He didn't spend a penny on this. And that's kind of the point of any kind of social activity on the Web."

  • Digital divide is shrinking through the use of mobile technologies, in countries such as South Africa, Nigeria and Namibia especially in mobile telephony. More than half of the Namibian population has a cellular phone.

  • ICTs are technologies that enable us to receive, disseminate and share information and knowledge as well as to communicate – they are the foundation of the Information Society and Knowledge Economy. The Polytechnic of Namibia is a mirror site for most of the information libraries across the world and a key node for connecting Namibia to the information highway.

  • Telecommunication is technically defined as the transportation of information from point A to B. Telecom has a fibre optic cable covering almost all of Namibia – a fully digital transmission network (6500 km of Fibre Routes).

What does all this mean for Namibia?
Our challenges are:
  • Nationally – the imbalances in basic infrastructure, education, health and government services
  • Globally – the technological advances far outpace our national development

“Poverty does not only refer to lack of income, but also includes:
  • the deprivation of basic capabilities;
  • the deprivation of information needed for meaningful participation in society
  • and lack of access to:
    • education
    • healthcare
    • natural resources
    • employment
    • land and credit
    • political participation
    • services
    • infrastructure, etc.
Neither investment in ICTs or access alone is sufficient for development to occur, ICTs must also mediate the delivery of useful services and civic interaction that contribute to the economic and social well being of the community.”[ii]

Creating a better future, Today
Namibia can use the latest technology to the benefit of all its residents. The attitude to education which is presently geared to becoming an industrial country, must be changed to a system where knowing where the information is available is more important than having the information in your head. This means moving from our present agricultural society to a knowledge-base society within five years.

This leapfrogging into a knowledge-based society can be assisted by creating an ICT Action Group (IAG) reporting directly to the President. The IAG should consist of four staff members, of which two should be young people under the age of twenty-five. (The (male and female) staff member should each have software programming skills and should also participate in gaming leagues such as Warcraft. In addition, they should have a minimum competency in the number of words they can SMS per minute on their cellular phone.)

The objectives of the IAG:
  • Advise the President and Cabinet on ICT.
  • Ensure ICT capability of all members of the Cabinet and their staff.
  • Create a Government Ministerial scorecard on Information and Communication Technologies. This includes a baseline survey of computer equipment and civil servant skills, as well as monitoring the information availability over government websites.
  • Oversee the creation of a central register for Namibia.
  • Ability to declare certain areas to be under-serviced and secure funds from the universal service fund to roll-out infrastructure
  • Identify international trends such as Facebook and Chat with the view of encouraging local sites that are able to provide the same service. A social network site for people located in Namibia (in other words within a national local area network) is within the capability of the Polytechnic or UNAM. This will encourage innovation and access to information.
  • Promote local content development to enhance the National Identity.
  • Host free internet websites for any resident of Namibia.

The funding for the Internet Action Group will come directly from the Universal Fund that is contributed to by the telecommunications companies in Namibia.



Creating an online company
I realised that quite a few artists and public figures in Namibia had exceeded the allotted 5,000 friends in Facebook. I contacted a few and offered my services to assist in managing the migration to a fan page, and training to do the account management themselves. Karl reacted very positively and had no problem providing we with his account details and passwords. On the basis of his trust, I believed we could start a successful account management company.

The company is called Facebook Account Management Enterprise (FAME) and is a joint-venture created by by two Namibians, Karl Naimhwaka and Milton Louw, in June 2011. Together, they have combined experience of over 25 years in the fields of marketing and information communication enabled technologies.

Karl Naimhwaka is a Namibian music artist and his stage name is Karlos Lokos He sings Afro-pop and gospel. His professional music career started with The Dungeon Family in 1999, with the likes of Daphne & Frieda of Gal Level, TC, CJ, Exile and Faizal MC and later on was part of a Hip-Hop group called Zero Degree after which he went on to pursue a solo career.
Email: c.lokos@gmail.com                         Facebook: http://www.facebook.com/KarlosLokos


[i]               Héctor Abad Gómez – August 1987

[ii]              Dr Ivy Matsepe-Casaburri, Minister of Communications, Republic Of South Africa – 2007 ICT Conference

Chapter 19: Namibia Today, Tomorrow


When analysing the Namibian environment, I felt it best to divide them into the PEST factors. These are the Political, Economic Social and Technological factors. I also note the Demographic and Natural factors as part of the analysis.

Political / Legal
  • Parliament Administration creates a school for potential parliamentarians.
  • Government should draft a white paper or even an Act laying out specific rules and guidelines surrounding political party financing.
  • Administrative functions of the judiciary be done by a department that is headed by a Director-General appointed by the Parliament of the Republic of Namibia.
  • Creation of “Tribal Courts” for matters that can be dealt with by the community leaders.
  • Small claims court be established where parties can settle their differences in cases up to the value of N$ 20,000.
  • The best solution to corruption remains a policy of no secrets. This means free, accessible, and available information circulated and discussed by opposition parties, free press, trade unions, business organisations and NGO’s.
  • A “Local Government Service Directory”. The information will be on a regional and constituency level indicating the services provided by all government institutions with their full addresses and the person responsible.
  • A Government Ministry Directory. This includes all staff members in the Ministry, their department, job title and brief description of their duties. Contact details will also be included.
  • Namibia allows Dual Citizenship.
  • Data Protection Act.
  • Privacy and Electronic Communications Regulations.
  • Freedom of Access to Information Act.
  • Prepare a Chamber Law and mandatory membership for all business operating in Namibia.
  • Prepare, in close consultation with civic society, a law to govern Non-Government Organisations (NGO’s).

Economic
  • Create an Economic Database for Namibia that can be used for entrepreneur identification, credit provision and economic statistics.
  • A central register shall include all information collected by the government on its citizens, residents and all legal entities.
  • Namibia should recognise that the emerging powers, known as the BRICSA countries, do not have always have the same ideological, or even economic system of the West. (The BRICSA countries are Brazil, Russia, India, China and South Africa.)
  • Permanent government structure, within the Ministry of Foreign Affairs, to be responsible for country branding.
  • A Namibia Retirement Authority with the role to promote and develop Namibia as a retirement haven for foreign nationals.
  • A restaurant franchise using Namibian Game and Beef for Europe.
  • SME Assessment Recommendations be implemented.
  • Namibia should look at the EMPRETEC entrepreneur training model and redesign it for the Junior Secondary School level.
  • Develop a one-year vocational business diploma for Entrepreneurs.
  • The Entrepreneur Identification Programme (EIP) is a Private Public Partnership where a company works together with government to identify potential clients for its products or services.
  • Small Business Assistance Centres (SBAC) will assist the SME sector..
  • Capital projects can be undertaken under a legal framework that can include provision for Build-Operate-Transfer (BOT).
  • A uniform tax rate of 10% on net profit for manufacturing companies. Additional growth incentives (in the form of refunds) can be granted for activities undertaken to expand to external markets.
  • Improve the flow of information about the housing market by making it a legal requirement for immediate disclosure of property selling prices

Social
  • It will have to fall on the shoulder of the state to include ethics and moral education in our schools. School subject of “Citizens Knowledge” should be taught to all students (probably throughout their school career) and include those elements that would allow the court to authoritatively state “ignorance of the law is no excuse”.
  • The data workers of Namibia need to become organised in a ICT Workers Union, as they are not only negotiating with Namibian companies, but more and more with international technology firms.
  • There must be a clear differentiation of the activities of unions and the use of union funds to purchase and manage business.
  • Have a Labour Consultative Workshop between unions and employer representatives that could sponsor a Labour Advisory Council constituting representatives of both parties. Such a workshop could lead to a rejuvenation of our labour market.
  • Introduce a further two year pre-primary care for our children.
  • Ethics or Moral Principles as part of the school syllabus from primary school onwards. The purpose is to ensure that we will instil in our youth, the leaders of the future, what is acceptable and unacceptable behaviour.
  • Ensure the standards maintained by private schools, colleges or institutions of tertiary education are not inferior to the standards maintained in comparable schools, colleges or institutions of tertiary education funded by the State.
  • Create a law that makes membership of the National Health Insurance Programme (NHIP) mandatory. The employer and employee should each contribute of 5% of the gross salary towards the Health Fund.
  • The National Pension Plan as proposed under the Social Security Commission must be prepared and tabled in parliament as soon as possible.
  • Bring back forced labour, the Namibian Constitution Article 9(3)(a) allows for forced labour “required in consequence of a sentence or order of a Court”.
  • Examine whether the private sector might be more efficient and effective in running of these public services.
  • A law on Consumer Rights that includes: Basic Needs, Safety, Information, Choice, Representation, Redress, Consumer Education and Healthy Environment. 
  • Provide support structures through homes for unwed mothers, or even drop-off points for unwanted children.
  • A law to protect our elderly.

Technological
  • Create innovations laboratories with confidentiality agreements built into the system.
  • Every child attending school should be IT literate by the end of primary school. All children must have the equivalent of the International Computers Drivers Licence (ICDL) to pass Grade 10.
  • The government must put in place an incentive scheme to encourage companies to invest 1% of their turnover on basic computer literacy skills (ICDL)
  • Build an underground nuclear plant in Namibia
  • Telecom should become two separate companies. One, the owner of the physical infrastructure should continue to be the partner of government to ensure the roll-out of access to all Namibians (including receiving government funding where necessary). The second company must be a commercial company using the infrastructure at the same prices as its competitors and being able to sell directly to the commercial and individual customer.
  • Establish a numbering policy that provides a legal, legislative, and regulatory basis for competition – number portability.
  • E-commerce (electronic transactions) law must be passed

Demographic
  • Introduce a national postcode system.
  • Give a private sector company the task of implementing strategic local economic development plans.
  • The census in Namibia must measure the race and culture embraced by each resident.

Natural
  • The farmers association in an area can come together and set-up a marketing scheme for some of their game meat.
  • Telecommunications companies together with tourism companies to place web cameras around the country providing live feeds into an Internet site.
  • An Internet competition via YouTube for the most original video from Namibia.
  • All mining contracts (not only uranium), be passed through Parliament.

Chapter 18: Who am I? Who R U?


The book starts with the following quote from my university days:
Many years ago I was asked, “Who are you?” This was before Independence and I understood my credentials were being questioned. My reply was, “First, I am a human being, and secondly I am a Namibian. Last, and least important, I am coloured”.

Now I am at the brink of turning 40 and take the time to sit back and look back at the mileposts during my life. It is also the time to look forward to the end of my days, and consider where I have gone wrong, and perhaps where I have made a meaningful difference. It is most definitely like sitting in an armchair and contemplating “in order to understand itself and mentally grasp its own activity, that of the mind.” After all, “to be able to look back upon ones life in satisfaction is to live twice.”[i]

So in this last chapter I must also address mistakes that I have made in my feeble attempts at contributing to the nationhood of our beloved land. I have thought it unimportant where my family comes from, what their cultures and beliefs were, and often thought these were to be considered and ultimately rejected as part of their living in a past dominated by the racial classification given by the system of Apartheid.

Who I am is not dictated by our external environment, but rather by the internal. As humans we tend to blame our culture, society, government, employers and even our own families for things that goes wrong, but rarely give them credit for “our” achievements.

As time has passed I have gone from reading science fiction to more biographies on the historical figures in our history. (Imagine my surprise when I found out that Benjamin Franklin had already added a thought for the month in his “Poor Richard’s Almanac, and written advice to a newly establishing tradesman.☺)

Reading through these biographies, and accessing their quotes has made a dramatic impact on my life. Throughout this book I have often put forward an argument to find that a similar proposal has been done by great men before me. I was not the first, and hopefully not the last, to have these great expectations form the human race. Therefore as a tribute to the wisdom of the past, add some of them as part of the annex for your enjoyment.

So to this, the last chapter, I address myself to the words of Albert Einstein, “He who cherishes the values of culture cannot fail to be a pacifist.”



My grandfather was a cattle thief
My family on my fathers’ side is part of the Plaatjies clan. The family, like that of my mothers’, originally came from the Cape. They have stayed in Windhoek for three generations and we have a number of relatives throughout Southern Africa, most of them staying in a coastal town. My grandmother was staying in Walvis Bay at the time of his birth and this has led to many interesting stories I tell of our family. My favourite must be the story of my “grandfather” in the time of the British colony in Walvis Bay. Please, this is not a true story.)

In the late 1800’s my grandfather was a fisherman in Walvis Bay. It was already a British enclave and the ships of various countries would often stop in the bay to replenish their supplies. As Walvis Bay is surrounded by desert, there was no farming of livestock. The visiting sailors were in need of fresh meat, so once a month my grandfather would report for the purpose of “collecting stray cattle”.

He and his mates were provided with horses and a rifle each and sent into the hinterland to find any cattle that were freely walking around. They succeeded most of the time and were this able to provide fresh meat for the sailors and their own families, while also able to supplement their income.

However, I am sure the rightful owners of the cattle considered my grandfather and his band as cattle thief. In the meantime, the sailors saw it differently, they considered him a privateer. In much the same way, Sir Francis Drake of the British Navy (also known as the Queen’s Pirate) was seen by other nations as a pirate rather than an English hero.

Thus, my Grandfather was a cattle thief!

Differences in Namibia
We have thrown the baby out with the bathwater. This is the only explanation of the total lack of information based on cultural affiliations in our census in Namibia. Unfortunately, this attitude of “let’s pretend it is not there” does not make it so.

Even in South Africa, where the Apartheid system was the most formalised, they have recognised the need to keep the information and knowledge of all cultural groups as part of the “rainbow nation”. Discrimination because of race colour or culture is a thing of the past and is replaced by recognition and acceptance of our differences.

We have also outlawed discrimination on the basis of gender, yet still need this categorisation to measure the needed changes that must take place in our country for gender equality. In the same way it is important to note that when a previously marginalised group, such as the San people, have qualified teachers from within their own tribe and culture (Republikein – 14 April 2009).

The lack of recognition of certain groups can have detrimental effects on our country. Look at what has happened to some of our pre-Independence orphans who returned from East Germany. More recently we have seen the SWAPO veterans and orphans also wishing to be recognised as a distinct group with specific needs. In the near future we will see a new group forming of AIDS orphans who have grown up differently with specific disadvantages that need to be addressed to allow them to fully pluck the fruits of our freedom. What culture shall all these groups inherit?

There is a national culture Namibia. Thus we can refer to our language as Namlish with its peculiarities and pronunciations. We are known by our friends and foes on the sport fields as the Brave warriors and the Biltongboere.

In business we refer to the marketing process. It starts with an analysis of the present and then moves to develop a strategy. In marketing it is recognised that to provide the best product for the customer you need to segment the market. Tools such as the Living Standards Measurement are used to focus our marketing efforts. A typical LSM would include age, gender, race or cultural group and income. (Living Standards Measurement Study (LSMS) household surveys have become an important tool in measuring and understanding poverty in developing countries.)

The people of Namibia are the customer. To serve our people better we must recognise our difference not only in gender or language but also in race. The census in Namibia must measure the race and culture embraced by each resident in future.

The tertiary education institutes in Namibia must then participate in research focussing on cultural, racial, gender, urban-rural economic and livelihood inequalities in Namibia. This ongoing research must continue to ask what the relationship is between the growth and spatial distribution of the public and private economic sectors. It must also encompass the formal and informal economy, the nature of poverty, the characteristics of poor areas, and socio-economic empowerment.


On being Coloured[ii]
I am a Coloured. I am a coloured because my parents raised me as such, and because of the environment around me. Most importantly, I can answer my young daughters, who were not born during Apartheid, when they ask me, “Daddy what am I?”

I can laugh loudest and longest when I see a caricature of a coloured woman gossiping with her neighbour over the fence – it happens in my family even though now it is over the Cellphone, and sometimes in the doctor’s waiting room.

The next observation by people is obviously the one about the typical coloured. It is either the “LBS, lieg, brag en steel” (lie cheat and steal) or the drinking, smoking drugs, swearing and loafing around – and most commonly having babies at a young age. I even had a white young lady tell me that I should not wear baggy clothes the way “the coloureds do”. DUH! And let’s not forget the one thing that carries over from one generation to another – our love of going to nightclubs and just hanging (“nee daddy, ons hang net”).

These attributes are found across all cultures. The fact that as a group we are more tolerant, and probably make more fun of it ourselves does not mean that all coloureds are like this. These are activities which are often brought about by the political, social, economical and technological environment (PEST factors).

I believe the perceptions of a drinking and marijuana smoking culture has its origins in the origins of our own “nationhood”. Most of our forefathers were the offspring of (male) European settlers who settled in the cape and their Bantu slaves (female). These bastards were rejected by their mothers’ family and not recognised by their fathers.

It is a historical fact that many workers were paid with wine rather than money.  Now consider being rejected by both sides of your family and paid in alcohol. What is your worth as a person? Are you worth 5 litres of wine?

This cycle is obviously degrading and leads to a very low self esteem. This leads in turn to low confidence levels in your worth and that of your family. This is the big challenge facing the Coloureds with which we still struggle today.

So, those who do drink, do drugs, swear and loaf around (in all cultures) are really broken people who have not realised their own true worth in life. So let’s leave the stereotyping out.

So if we are not that, what are we as a tribe?

Most of us (me included) has lost touch with what we are as a coloured tribe in Namibia, and the broader Southern Africa. Most importantly we must accept our history and be proud of what our forefathers have to done to get us to where we are today. It is time to stop using the terminology of we are “so-called coloureds”.

We are Namibian Coloureds proud to be working to a better future for our family, tribe and country!

I quote from a paper by R van der Ross at the Symposium on Slavery 2008 –
“The question of identity is one which elicits wide, wordy and largely useless response.
In this country there is continuous debate about the matter, and mostly about and from the Coloured people. Who are we? Why? Where from? Where to? Some even ask: Are we? Are there Coloured people? The ridiculousness of these questions is compounded by the attempts at answers: “We are not; we are not Coloured; we are simply human; we are, but we refuse to be called Coloured,” and so into various degrees of assininity. If the matter of mixed descent is raised, it will most likely be met with the response that all the peoples of the earth are mixed.

Of course there is some truth in this, but it evades the other truth namely that which the philosophers call “immediate perception.” We are Coloured because people look at us and regard us as Coloured. Finish en klaar.”
http://alturl.com/f4k9w

Rights of women
Wikipedia states:
“The term women's rights refer to freedoms and entitlements of women and girls of all ages. These rights may or may not be institutionalised, ignored or suppressed by law, local custom, and behaviour in a particular society. These liberties are grouped together and differentiated from broader notions of human rights because they often differ from the freedoms inherently possessed by or recognized for men and boys, and because activists for this issue claim an inherent historical and traditional bias against the exercise of rights by women and girls.

Issues commonly associated with notions of women's rights include, though are not limited to, the right: to bodily integrity and autonomy; to vote (universal suffrage); to hold public office; to work; to fair wages or equal pay; to own property; to education; to serve in the military or be conscripted; to enter into legal contracts; and to have marital, parental and religious rights. Women and their supporters have campaigned and in some places continue to campaign for the same rights as modern men.

The Protocol to the African Charter on Human and Peoples’ Rights on the Rights of Women in Africa, better known as the Maputo Protocol, guarantees comprehensive rights to women including the right to take part in the political process, to social and political equality with men, to control of their reproductive health, and an end to female genital mutilation. As the name suggests, it was adopted by the African Union in the form of a protocol to the African Charter on Human and Peoples' Rights.”


This section is one of the last I am writing for this book. After much thought on women's issues, I thought to ignore the issue, because after all, what would I have to say about women’s rights?

Exactly! If I encourage Namibians to uphold equality, I must evaluate my own perceptions in this regard.

A woman is as good as any man. The problem is rather with the marketing of woman in our environment. I sometimes despair when I read "a female politician said..." If it had been a man we don't mention their gender.

Lastly, I am probably biased as I have five daughters. But trust me, they grow up thinking they are better than men!

Abortion
Human Rights Watch considers abortion within the context of human rights, arguing:
"Abortion is a highly emotional subject and one that excites deeply held opinions. However, equitable access to safe abortion services is first and foremost a human right. Where abortion is safe and legal, no one is forced to have one. Where abortion is illegal and unsafe, women are forced to carry unwanted pregnancies to term or suffer serious health consequences and even death. Approximately 13% of maternal deaths worldwide are attributable to unsafe abortion—between 68,000 and 78,000 deaths annually”

I have often been asked what my opinion of abortion is. My Christian upbringing immediately jumps in and shouts “No”. I see no wrong in contraceptives as a form of birth control, but the abortion issue becomes too emotional, too quickly.

However, what are we doing as a community to support pregnant young girls? Is there a social safety net for unwed mothers who cannot, or do not, want this child? It is sad to hear of another case of infanticide, but I have never heard of the father also being held responsible.

We need to as a community, provide support structures through homes for unwed mothers, or even drop-off points for unwanted children.

Rights of Children[iii]
“Children's rights are the human rights of children with particular attention to the rights of special protection and care afforded to the young, including their right to association with both biological parents, human identity as well as the basic needs for food, universal state-paid education, health care and criminal laws appropriate for the age and development of the child. Interpretations of children's rights range from allowing children the capacity for autonomous action to the enforcement of children being physically, mentally and emotionally free from abuse, though what constitutes "abuse" is a matter of debate. Other definitions include the rights to care and nurturing.

The field of children's rights spans the fields of law, politics, religion, and morality.”[iv]

The United Nations adopted the Convention on the Rights of the Child on 20 November 1989. The Convention defines a child as any human being under the age of 18, unless an earlier age of majority is attained (recognised) under the law applicable to the child. The Convention makes it very clear that children have rights, and that those rights are human rights. Children can no longer be considered as adult possessions or mere objects of their actions, but are internationally acknowledged as autonomous subjects of rights. Children’s rights are not just promises: they are inalienable rights that children can claim in courts of justice.

Four principles lie at the core of the Convention, namely (a) the right to equal treatment (children must not be discriminated against); (b) the priority of the well-being and best interest of the child (in family and in society); (c) the right to life and development (meaning access to medical treatment, education, protection from exploitation, etc.), and (d) respect of the child’s opinion. With these four principles, which became normative for the relevant legislation in many countries, the Convention has created the environment conducive to ensuring children’s rights across the planet.

Namibia ratified the Convention on the Rights of the Child on 30 September 1990. However, a gap remains between ratification and practical implementation into national legislation. It took Namibia almost two decades to draft suitable legislation by way of the proposed Child Care and Protection Bill, which reflects the principles of the Convention in the Namibian context. It is hoped that this Bill will soon be fully enacted and operational.[v]

In Namibia, too many adults forget that they were arguing for rights for all Namibians, and that includes our children. During the 1980’s, Namibian students were at the forefront of the Independence struggle and many were willing to lay down their lives for the struggle. It is time we recognise this, and accord our children the respect they deserve.


Why a day for the African child?

Many year ago, we are told
The dark continent had Theocracy;
These days we are told
The dark continent needs Democracy.

Many years ago, so it seems
Colonialism was the order of the day
These years, so it seems
Everything is quite okay.

Many years ago, I can tell
The young were politically aware
These days I can tell
The young are economically "all there".

Many years ago, I can hope
Having children was being wealthy
These days I can hope
All our children will be healthy

Why thus hold a Day for African Child?
Is it to remind the youth of our past
To show how Apartheid had us riled
Even if they guns at us did blast?

Today we wait for another eruption
Because of continued corruption
Reminding us why we did defy:

The Young do not believe the lie.

(Windhoek, 16 June 2011)


Rights of the elderly
“Older people are the custodians of our traditions, our heritage and our cultures. They reflect our past and are the mirrors of our future. They have the right to a healthy, productive life, to live in a caring environment and to be treated with respect.”[vi]


Loss of respect for the elderly
We are all going to grow old!

As human beings we are the only conscious animal that is aware that one day our own existence will end. This is scary and many of us prefer to ignore this through denial and repression. However, we only know this because we have a memory of those who have passed before us.

Our memories are not only there to remind us of the bad things (such as death), but also plays an important role in our development and survival. In the wild, it is the old, wily Kudu who lives the longest because he has learnt from experience and retains the memories.

In all cultures, the history of a tribe, as well as the memories of past calamities was preserved only in the minds of the old people. Thus it was important before the written word, for all cultures to remember and pass on the knowledge of life saving information. The young thus stayed with in close proximity to their elders, and made effort to look after them in their old age. This is also one of the important foundations in worship of the forefathers.

Earlier than in other cultures, Europeans memories have been passed on to the next through the written word. This has been an important reason for their world dominance. The less reliance needed on the old,  led in turn to smaller family units and inevitably accumulation of power and wealth in the hands of the few. It also led to younger family members being able to hold their elders to account for their past actions and decisions.

As the various cultures throughout the world have become civilised, they have gained the knowledge of the existing written word (mostly from the Bible) and often lost their own culture and memories before it is preserved in a written form.

However, since the advent of the World Wide Web in 1994, more and more of our memories, and thus our past, are available to all. And to add injury to insult, it is the young who are able to access the Web the easiest. With this vast library of information available at their fingertips, it is becoming easier for the young to judge their elders.

Our elders have lost the advantage of being the memory banks of our culture and history.

In a similar vein, earlier communication between the generations occurred at night after the evening meal. During the story telling (imparting of past wisdoms), the young were to be seen “not heard”. This was an important gesture of respect for the old, and a way of ensuring your own survival if you should get into an unfamiliar and deadly situation.

Our modern technology now means we all have cellular telephones. However, it is often the younger person doing the calling. The purpose is often still the same – to get something, whether information or to request money.

Now they cut the elder short during the normal greetings (a sign of respect) because “my credit is going to run out so listen quickly!”

We need a law to protect our elderly. Such a law must include:
  • The right of older persons to live safely and without fear of abuse;
  • the assumption that older persons are competent to make informed choices and decisions about their lives;
  • the right of older persons to be treated fairly and be valued independently of their economic contribution; and
  • the right of older persons to have access to employment, health, welfare, transportation, social assistance and other support systems without regard to economic status.
The law must also provide a mechanism punish abuse of the elderly.



Freedom Flight
An eagle soars the sky,
Floating high above the earth,
He looks down on tiny specks of life
He knows not what they think,
Cares not!
Cause he is free.

Yet in life all this is a lie
For even from our birth
We are living lives filled with strife
Caring only for ourselves
Never others
All wishing to be free.

But all of you I’ll defy
As I too am free
Soaring
Never captive
Yet, one – day I’ll be no more –
And who’ll remember?

Integration

While preparing this book, I often alluded to the change in my thinking that was occurring as I was putting pen to paper. Perhaps one of the most profound of these “new thoughts” was the issue of integration. What is integration? Why is it an issue for a book of this nature? Most importantly, why is it an issue for me?


Reconciliation and integration
The United Nations General Assembly adopted a resolution that 2009 be declared the International Year of Reconciliation. In the words of this august body when it set its agenda to focus the world’s attention on Reconciliation in 2009, dialogue from opposing sides is “an essential element of peace and reconciliation.”

At the time of Independence, reconciliation was the strategy used to respond to the past violations of human rights. I see the process of reconciliation only being the beginning of nation building. Now it is the time for the bringing together of all the different strands of our cultures into a common fabric. Just as in a carpet one can still recognise the various individual colours, so we too need recognise our historical and cultural backgrounds to appreciate the entire design of our nationhood.

Levels of integration
The dictionary states that: Integration (from the Latin integer, meaning whole or entire) generally means combining parts so that they work together or form a whole.

In my own mind I find it difficult to integrate who I am, what I am, where I am and what I wish to become. To this end, I have separated integration and its application (ah no not again:-) into the following levels:
  • Personal Acceptance
  • Marriage
  • Local
  • National
  • Regional
  • International
Personal Acceptance
In psychology and motivational talks, we often refer to the three concentric circles that a person is made up of.  In the innermost circle, we refer to our own psyche or personality. Here we have the ability to change what we desire without any thought to others. Things like giving up smoking, or a preference for the colour blue.

In the second circle, are the things in the immediate vicinity we can change or influence. These are often environmental factors such as air-conditioning, or dependent factors such as the behaviour of our children or pets that require our care.

In the outer circle, are those external factors that we cannot change or alter. These are the issues such as the price of fuel, inflation rates, or whether my ex-wife has a new boyfriend I detest.


I Know, I Know Not
There are four kinds of knowing.
•       Knowing you know,
•       knowing you know not,
•       not knowing you know and
•       not knowing you know not

Let's look at each one and what it means:

Knowing you know - this is what we consider our education and training

Knowing you know not - this is what we want to learn

Not knowing you know - this refers to information you have gained, but are not aware of using in your life - often recognised as trivia

Not knowing you know not - this is the area you need to find out more about!

Around twenty years ago, I realised that due to the place and time I grew up in, I had been kept in the dark about many things (censorship). This was especially clear when it came to religion or as it is also known, metaphysics.
Below a list of things I did not know I did not know when I was twenty. Maybe you might find it useful?
•       Ramtha
•       Reiki
•       Aristotle
•       7 habits of successful people
•       The art of loving a woman
•       The art of keeping a good woman
•        Not knowing I Know not!

Perhaps, you know something I don't know I don't know?

As an aside, I often note that people spend 80% talking about those things in the outermost circle. These are factors beyond our control, yet take up most of our time. No wonder many of us are frustrated when we feel we cannot make a difference.
Marriage
As a divorcee that was married for ten years, I can understand the difficult task of integrating two people’s lives, and more importantly their future dreams. For myself, I was not willing to give up my dreams and plans because my wife wanted to be married to a "civil servant" with an eight-to-five job.

Integration in marriage thus means not only loving each other, but more importantly understanding that this is a legal partnership that should be able to achieve more than the individuals concerned would do on their own.

Neighbourhood / Local integration
By local integration I am referring to the relationship we have directly with one another as individuals within a specific community. This is also at the level where the differences in our culture, morals, religious views and methods of thinking differ.

Many of the problems we have around the world can be traced to the inability to integrate people with these types of differences into a community or even a nation. For example, Palestine-Israel, Irish Catholic-Protestant, Muslim Shia-Sunni, etc.

National Integration
National Integration refers to the lump sum off all of us as citizens of a specific country. It is the pride we have when singing the national anthem, our support to the members of our national sporting codes, or identifying with a Namibian that has done well on the world stage.

The best way to illustrate this is: "Before Independence I was Coloured, now I'm Namibian".



Are Namibian coloureds a distinct cultural/indigenous group?
According to wikipedia:

A contemporary working definition of "indigenous people" for certain purposes has criteria which would seek to include cultural groups either:
* before or its subsequent colonisation or annexation; or
* alongside other cultural groups during the formation and/or reign of a colony or nation-state;

and who furthermore
* have maintained at least in part their distinct cultural, social/organisational, and/or linguistic characteristics, and in doing so remain differentiated in some degree from the surrounding populations and dominant culture of the nation-state.

To the above, a criterion is usually added to also include:
* peoples who are self-identified as indigenous, and/or those recognized as such by other groups.

Regional Integration
Regional Integration refers to the membership of various bodies such as the Southern African Customs Union (SACU), SADC and the African Union. It is accepting the colonial differences such as language (francophone, etc.) as well as the religious differences such as Christianity and Islam and working together for the improvement of all our lives on the African continent.

International
I am not sure we will ever be able to have international integration unless there is a threat from outside. Perhaps global warming is such an issue and will allow us to work together, or die together.

Namibia and Integration
Most of the Namibian peoples have come to this area leaving behind war or oppression of some sort or the other. They chose this inhospitable place to settle and live peacefully, not only with one another, but also with the natural environment they found themselves in. During periods of oppression they have not had a choice but to react to ensure their continued peace and stability.

After Independence, it was only natural that Namibians should choose to have one of the best constitutions in the world that ensures this peace and continued peaceful co-existence with one another. The policy of reconciliation was as natural for its people as breathing and eating.

Today, Namibia is a model that few other countries can emulate. Worldwide, countries struggle with problems of integration. These differences take the form of religion, language, customs or race. In Namibia these differences are recognised, but do not form the basis of either government policy decisions or social interaction.

As Namibians we have a lot to offer the world, and more specifically our neighbours in Southern Africa. We are an “Institute of Integration” where peoples from other parts of the world can come to learn what we know – we have a dependency on our fellow human beings and the natural environment in which we stay.


[i]               Kahlil Gibran

[ii]              Facebook Groups: “Coloured Namibians, Coloured women are Hot, You know you coloured when…

[iii]              Added after Foreword was written

[iv]               http://en.wikipedia.org/wiki/Children%27s_rights

[v]               Children’s Rights in Namibia - Edited by Oliver C Ruppel (http://www.unam.na/faculties/law/documents/ChildrensRightsBook.pdf)

[vi]              South African Minister of Social Development at the United Nations Second World Assembly on Ageing in Madrid

Chapter 17: Put money under the mattress


“Prosperity is a way of living and thinking, and not just money or things. Poverty is a way of living and thinking, and not just a lack of money or things.” - Eric Butterworth

Understanding Banking
Let me start by repeating the words of a friend who is a banker in Windhoek, “banking is the profession with one of the best marketing departments around. Imagine trying to convince the first customer that their money was safer with the bank than in their own hands, and best of all, which the customer would need to pay fees to deposit and withdraw their own money.”

Even now during the financial crises throughout the world banks are still succeeding in motivating clients to give them their money. Today, most of us feel safe with our money in banks because “we are many and government will not let it fail”. The term “moral hazard” is used to explain why we take these risks.

All over the world people often complain about banks. This ranges from bank fees, interest charged, to repossession of vehicles and homes.

In Namibia this is no different. The late Hon. Reinhard (Kalla) Gertze, Member of Parliament, proposed an investigation into the financial institutions through public hearings of the Parliamentary Committee on Economics, Natural Resources and Public Administration. They held public hearings on bank charges and regulations on 14 July 2006 in Windhoek. One of the submissions outlined why interest is charged.

Why is interest charged?
In the beginning of banking, interest was used to offset the risk of providing the credit to the borrower. There are four risks (hazards):
  • The costs incurred by the bank while providing the loan had to be repaid;
  • Inflation means the lender will be able to buy less for the money as time passes;
  • Scarcity – in other words once it is lent to a borrower at a specific rate, it cannot be used for another loan;
  • That the borrower cannot pay back the loan
Of these four, the only real difference the government can make is in reducing the risk of borrower’s inability to repay.

It is my opinion that this can be addressed through the increased usage of Information and Communication Technologies. As an example, I prepared a discussion paper on the need for credit bureau, and the establishment of an economic database to address this need which is attached in the annex of the book.

Through the sharing of information between public and private sectors (with the appropriate legislation to prevent abuse), a reliable source of information can be provided which will necessitate the banking institutions to become more competitive to attract clientele. This clientele in turn will be able to negotiate for better rates, and lower charges, if they are aware of their own credit worthiness.

The downside of Credit
"Credit buying is much like being drunk. The buzz happens immediately and gives you a lift.... The hangover comes the day after." Joyce Brothers

Many consumers struggle to repay their debts. I have heard percentages as high as 70% of income is being used to repay debts. Many young people are ending up financing their lifestyle (which they cannot afford) through credit. Many consumers need help with restructuring their debts. The Namibian Financial Supervisory Authority (NAMFISA) is proposing a Financial Institutions Bill that will provide for debt counselling as part of the assistance to consumers.

Before discussing the new debt counselling I would like to add that there are other factors at work besides the servicing of debt; they include income volatility, legalised gambling, bigger medical bills and a cultural shift that has de-stigmatised bankruptcy and bad debts.

So what is the difference between the present administration order and the new debt counselling?
  • The idea behind Debt Counselling is to help clients reduce their overall debt with creditors in the most cost effective way. An Administration order can take a large part of your disposable income to offset the relatively high cost.

  • Debt Counsellors are proposed by the Financial Institutions Bill in order to specifically deal with people in trouble with their finances. These debt counsellors will have the support of and have to be approved by the Government. An administration order is presently used with the view to resolve an individual's over indebtedness. However this method can be very costly and with various limitations.

  • Unlike under an administration order, 95% of your monthly payment will go to your creditors under a debt counselling plan. A debt counselling plan will manage all your payments to creditors from a central distribution agency on a monthly basis on your behalf.

  • Under administration, distribution by Lawyers is only done once every three months after all their costs have been deducted (In some cases it can take longer than a year before your creditors' receive any form of payment).

Remember, that once a debt counsellor has accepted your application, they will inform all your creditors that you have applied for debt counselling. You will not be able to access any further credit until your debts have been repaid. You will even have to cut up your credit and store cards such as Edgars, Markhams, etc.

At present, there are no accredited debt counsellors in Namibia. This is a new occupation and training will have to take place to ensure the consumer gets the full benefit of this new law.

Training of Debt Counsellors
The new Act could become law before the end of 2009. Once enacted, there will have to be a process of training Debt Counsellors to assist consumers.

If we follow the proposed Bill (as it is copied from the Act in RSA) to become a debt counsellor, Namibians have to be over the age of 23 and have a minimum of two years experience in accounting, finance, legal, para-legal or credit fields.  Aspiring debt counsellors will also have to have a clean credit record - have no debt-related judgments against them at the time of applying and not be under administration.

A debt counselling course over five days covers general outcomes such as listening and communication skills, interviewing skills, as well as budgeting and personal financial management know-how.  It also requires specific outcomes regarding the debt counselling process as stipulated in the proposed Bill - from filling in an application for counselling to obtaining a clearance certificate.


Personal Experience with Debt
In 2004 I returned from Germany and started up my company, NamBizDotCom, which is registered as a Close Corporation. I was working on two contracts at the time involving SME’s. The first was ins cooperation with SMEs Compete and included a trip to South Africa and Angola to look for possible partners in these countries. The second contract was for the Institute for Public Policy Research (IPPR) and was to complete the SME Impact Assessment Survey for 2004.

Unfortunately, my father was declared disabled and unable to continue working. He was 54 and no longer able to generate an income. This started a financial calamity that still haunts me till today.

Firstly, the bank, FNB, passed on the insurance claim to Metropolitan Insurance who did not want to accept his disability and therefore allow for his insurance to cover the cost of the home loan. The buck was passed between the two institutions and this delay meant my father was in arrears on his home loan. The bank therefore duly put his house up for auction to recoup their loss, and advertised this in the local newspaper.

As is my duty, I immediately went to my Father’s aid. After all, my two little brothers (aged 8 and 2 years old) would not have a roof over their heads if the bank and insurance giants were left unchallenged. Suffice to say, after a year of travelling between Rehoboth where my Father’s house was, and the bank head office in Windhoek, we were successful in getting the bank to settle his home loan through the insurance claim. (I must add tribute to the late Lazarus Ipangelwa, then MD of First National Bank, who allowed us a chance to put our case to the right person at the bank.)

In the meantime, my own business had closed and I was responsible for the debts to the amounts of +/- N$ 8,000 to Trip Travel, and +/- 20,000 to Institute for Public Policy Research. This second debt had incurred legal and other sundry charges and was submitted to the courts as an amount of over N$ 25,000 – which is the threshold for admittance to the High Court rather than the Magistrate’s Court.

So, I returned to Windhoek in January 2006 to face the two debtors, the one in the Magistrate’s Court and the other in the High Court. I take full responsibility for these debts and have attempted to pay the debts back through monthly payments of N$ 200 and N$ 500 respectively. Unfortunately, these debts are also listed on my credit record, which is accessed by most employers today and I found it difficult to find gainful employment after my return to Windhoek. Since then, I have spent three years as an hourly-paid lecturer and working part-time in an NGO.

Let me state for the record, “If I could, I would pay the debt of immediately!” However, I have not been paid a salary since April 2008 and have survived by consultancy work. Perhaps with my next job I will be able to settle these debts once and for all.

I do not wish to regale you with the arsenal available to the lawyers, or on the lack of information forthcoming from their offices of how far your repayment is coming. Needless to say, I will welcome a law that helps a debtor in relationship to these educated and learned professionals.

On this matter, I wish to suggest a Consumer Ombudsman for citizens who have dealings with lawyers. On more than one occasion I have found an invoice for services from a law firm that has no basis in reality. It is impossible to fight with a lawyer about any of their charges, after all they are better armed with the letter of the law.

A new look at credit law


Present-day policies are aimed at improving the performance of credit markets, such as group-lending or creation of collateral, and typically aim to change incentives for borrowers.

In contrast, pre-modern credit market interventions, such as usury laws, often targeted the behaviour of lenders.

We need to look at the stipulation that accumulated interest cannot exceed the original principal, irrespective of how much time has elapsed. We interpret this rule, which is found in Hindu, Roman, and Chinese legal traditions, as giving lenders the incentive to find more capable borrowers, who will be able to repay early, thereby improving the allocation of capital.

Housing in Namibia
A friend of mine was recently very angry at the “foreigners, especially the Angolans who are inflating the purchase prices of our house”. Of course, he was in the market for the purchase of a house. During this same week, another friend was ecstatic that the “Angolans are pushing the prices through the roof”. He was selling his house!

Two different opinions depending on where you are standing.

However, there is something we can do. We need to improve the flow of information about the housing market by making it a legal requirement for immediate disclosure of property selling prices. This can be published in the local newspapers (like in the Observer use to do with mortgages), or to an online website. This will help to accelerate the process of market adjustments.

Consumer Rights

India has been observing 15 March since 1989 as the National Consumers’ Day. This day has a historic importance as it was on this day in 1962, when the Bill for Consumer Rights was moved in the US Congress. During his speech President John F. Kennedy had remarked:

“If a consumer is offered inferior products, if prices are exorbitant, if drugs are unsafe or worthless, if the consumer is unable to choose on an informed basis, then his dollar is wasted, his health and safety may be threatened, and national interest suffers.”

John F. Kennedy had equated the rights of the ordinary American consumer with national interest. He gave the American consumer four basic rights:

  1. The Right to Safety - to be protected against the marketing of goods which are hazardous to health or life.
  2. The Right to Choose - to be assured, wherever possible, access to a variety of products and services at competitive prices: and in those industries where competition is not workable and Government regulation is substituted, an assurance of satisfactory quality and service at fair prices.
  3. The Right to Information - to be protected against fraudulent, deceitful or grossly misleading information, advertising, labelling, or other practices, and to be given the facts s/he needs to make an informed choice.
  4. The Right to be Heard - to be assured that consumer interests will receive full and sympathetic consideration in the formulation of Government policy, and fair and expeditious treatment in its administrative tribunals.

Kennedy recognised that consumers are the largest economic group in the country’s economy, affecting and affected by almost every public and private economic decision. But they were also the only important group who were not effectively organised, whose views were not heard.    

Namibia consumers need protection! A law on Consumer Rights should include:
  1. Basic Needs
  2. Safety
  3. Information
  4. Choice
  5. Representation
  6. Redress
  7. Consumer Education and
  8. Healthy Environment. 

The biggest problem is the following statement often quoted by business “..consumer protection can only truly exist in first world, industrialised, or developed nations due to the fiscal resources necessary to properly execute legal protection of consumer interests.”

Any business today must put the interest of their customer first to ensure a continued relationship. However, the consumer in the developing world has less choice in products or suppliers AND THEREFORE needs more protection.
The cost of taking legal action can be prohibitive. Could you afford to claim compensation if you were injured in an accident, unfairly dismissed from work or had a dispute with a business?


Legal insurance
A friend of mine has had legal insurance for the past three years and believed he was covered. About a month ago, he was accused of being involved in a theft syndicate at his work. He immediately called his legal insurance company, but was informed they do not cover criminal cases.

He was taken for a polygraph test (is that legal in Namibia?), and informed that he had failed the test. This led to him leaving the job that morning to go speak to his legal insurer.

Yeah right. They do not cover the expenses for a labour case either.

WHAT is it with insurance companies that do not want to pay claims? If you complain at NAMFISA they do very little to help.

If I am going to buy legal insurance I expect:
Bail Assistance
• Bail negotiations and applications on members’ behalf
• Depositing of the bail amount/issuing of bail guarantee on behalf of arrested member

Civil Law
• Bank and insurance matters
• Blacklisting
• Building and construction matters
• Contractual disputes
• Debt collection
• Letters of demand
• Litigation
• Personal injury claims, etc

Criminal Law
• Fraud, theft, robbery or assault
• Arrests
• Bail applications
• Consumer issues
• Driving under the influence
• Reckless driving
• Search warrants, etc.

Family Law
• Ante-nuptial contracts
• Custody disputes
• Divorces
• Family violence matters
• Interdicts
• Maintenance disputes, etc.

Labour Law
• Dismissals
• Disciplinary proceedings
• Pension payout disputes
• Restraint of trade agreements
• Retrenchments
• Unpaid wages
• Working condition

Surely this is not too much to ask?

What can consumers do?
Whenever we hear about consumer rights, we must look closely, because there is sure to be a “consumer activist” in the area. What is this activist doing and what is their goal?

According to definition, consumer activism is undertaken on behalf of consumers to assert consumer rights. Goals can include making products or services that are directed at consumers safer, of better quality as well as making them more readily available. The ideal goal is to push consumers to question the morality of a purchased product's origins.

Consumer activist tactics can include boycotts, petitioning the government, media activism, and organising interest groups

The most common tactic is to have protest marches in order to gain political influence (make the politicians listen). By gaining this influence, the group gains new political opportunities as well as access to resources such as donor money, to use for their benefit. This in turns allows for funding of further activities to protest and get the message heard.

One of the most important decisions by a consumer protection group must be the identification of a visible, clear, and despicable target that will allow for unification and mobilisation of consumers.

In Namibia, there are many businesses (and their products) that make consumers angry. In an informal survey, they most common culprits are banks, insurance companies and government. As for products, the most often cited is the lack of control on freshness of products, be they fruit and vegetables, milk or bread.

The most vexing question must remain however, what power do consumers have. It is easy to advocate not “banking for a day”, or not buying from a certain retailer, but this would need concerted effort from all consumers, not just the activists.

Consumers need to stand up for their rights. Government has to enact legislation to protect consumers, AND punish businesses that do not comply.