Making A Better World - Milton Louw

Namibia held its Regional Council and Local Authority elections on 27th November 2015. Probably the biggest lesson for the country is that so few voters (less than 40%) bothered to participate even after it was declared a public holiday. In the Regional Council election, each voter is expected to vote for an individual and it is easy for comparisons to be made between the individuals and the parties they represent. HOWEVER, our Local Authority elections are based on the party list system  - and very few voters even know who the candidates are they are voting for when they press the button next to their party of choice. Looking at the results from the Local Authority election, I am reminded of a quote from Henry George in 1833: "Much, too, may be done to restrict the abuse of party machinery, and make the ballot the true expression of the will of the voter, by simplifying our elective methods. And a principle should always be kept in mind which we have largely ignored, that the pe...

For the past three years, I have been working at the Electoral Commission of Namibia (ECN) as the IT Project Coordinator responsible for establishing the electronic voters register. As an employee of ECN, I felt that I should restrict myself from writing about politics or electoral matters as  matter of principle. Thus my regular readers will note that I have largely written only about consumer issues and left out my usual weekly political commentary from my blog.  I resigned from ECN on 30 September and will now continue with this blog (which started in January 2009) as part of my contribution to a better Namibia.

(First appeared in New Era 16 September 2015) A few years ago my eldest daughter called me during a training session I held in the capital. At the time I was freelancing and training officials at a large OMA about how to use Facebook. When my daughter heard this she had to express incredulity and stated, “But how do you teach something which is so easy to use?” She was of course mistaking using the social media platform with managing the platform and the interaction you can have with the system when understanding how your followers or “likers” react to posts and photographs. I of course had to protect my business model and had to explain to her the difference. In essence, posting comment, publishing pictures or commenting on posts is all easy to do and allows your friends to see where you are, when and with whom. However, you want to know more about the people seeing your posts entails a lot more work in the actual engine room of the programme. Thus I was training managers of inform...

(First appeared in New Era 9 September 2015) One of the biggest problems is starting a family is that most of the things I want such as furniture, motor vehicle, etc. costs more money than what I earn in a month. The only option for purchasing these high cost items is to either save or to take it on credit. For myself, I have learned the hard way that it is better to save and buy later, rather than purchase on credit and not be able to afford the monthly payments later. Unfortunately, most consumers still prefer to buy on credit and can find themselves lending recklessly and then becoming “over-indebted”. In many countries of the world, a law has been enacted as a National Credit Act that promotes an effective, fair and accessible credit market and to help protect consumers from "reckless lending" and "over-indebtedness". Unfortunately, Namibia has not yet enacted many such consumer laws yet. Under such a credit environment, debt counselling is included as a too...

(First appeared in New Era 2 September 2015) “Phishing is the attempt to acquire sensitive information such as usernames, passwords, and credit card details (and sometimes, indirectly, money), often for malicious reasons, by masquerading as a trustworthy entity in an electronic communication.” “Hi, I need some airtime urgently. Please send and I will refund you. This is Milton Shaanika-Louw.” A few hours later, the same cellular number sends another similar message but claims to be from someone else. Really, is this scam not easy to see through? After all, surely a famous and rich person would not need telephone credit. Perhaps our free calling now allows people to send this kind of phishing scam at little or no cost? This week I was very angry that people are still so gullible, but had to stop myself thinking like that because the confidence artists (con man) is making use of the good inside people to steal their money from them. Thus I should not be angry at the good intentions ...

(First appeared in New Era 19 August 2015) During the 1980s I was told that Namibia (and specifically Rehoboth), is the land of milk and honey. I did not know at the time that the name “Rehoboth” had biblical significance. In the Bible, the story is told of Isaac that had dug two wells and the people of the communal area had argued both times on who had rights to use the water. When Isaac dug a third well there were no quarrels and he thus called it Rehoboth and said, "Now the Lord has given us room and we will flourish in the land". The Rehoboth Gebiet had a medium-sized dairy industry and its own supply of milk from the Swartmodder dairy farm that had been set up with funding from the Rehoboth Development Corporation. Both these businesses flourished and was able to supply their immediate local market with enough dairy products at an affordable price. Shortly after Independence, the market forces were such that the largest dairy producer could apply economy of scales and...

(First appeared in New Era 11 August 2015) During the past week I attended a consultative workshop by the Ministry of Industrialization, Trade and SME Development in Windhoek on the National Policy for micro-, small- and medium-sized enterprises. I was glad that the Ministry is revisiting the previous policy which is at least 18 years outdated. During the discussions I brought up the issue of whether this policy will clearly stipulate that it is to support Namibian owned businesses. This brought out differing viewpoints, with one side arguing that we cannot discriminate against foreign owned business while the other side argued that a policy should be put in place that specifically assists Namibian entrepreneurs to increase the size and scope of their business. As consumers we are often requested by (mostly) big businesses to support Namibian products and services through the “Buy Namiban”, Team Namibia and other promotions. This is often at a cost that we as the consumers have to c...

(First appeared in New Era 5 August 2015) On March 10, 1876, Alexander Graham Bell got the first telephone to work and uttered the words “Mr. Watson—Come here—I want to see you”. He as the inventor realised early on the intrusion a telephone could be and refused to have a telephone in his own study. The past few weeks I have been getting very frustrated with this invention and the intrusion it is having on my privacy. It all started when MTC started sending me SMSs about a competition that I could participate in to win if I first gave them three of my hard earned dollars. Come on. That is gambling. If I, and all the other entrants must pay a participation fee, but only one of us actually wins a share of the money we all contributed, then this means that not only is it a gamble, but also a money earner for MTC. Upon enquiry with MTC, I was informed that I should send an SMS to request them to not send me any further SMSs about the competition. Yep, that’s right. I have to spend three...

(First appeared in New Era 29 July 2015) (Great Expectations is a novel by Charles Dickens that was published in 1861 and tells the story of an orphan named Pip) This coming week it will be my first wedding anniversary. Traditionally, (since the Middle Ages), each wedding anniversary requires a specific gift depending on the number of years you are married. For example, the tenth wedding anniversary is tin or aluminium celebrating ideas and symbols while the fifteenth anniversary gift is traditionally crystal. The first wedding anniversary is traditionally symbolised as being paper while in modern times we also give gifts of clocks. I have spent some time considering the various gift ideas from money, photographs, books, stationary, event tickets, love letters, calendars and poems. After much consideration, I decided what I will by my loving supportive wife for her anniversary. But back to the consumer issue at the heart of this decision making. One of the ideas is to purchase a co...

(First appeared in New Era 22 July 2015) The past few weeks I have been traveling around the country for work and not spent as much time at home (or on writing this column) as I would like to. The cultural perception of the Namibian family is such that the “man of the house” is expected to earn the income even if it means traveling long distances from home, while the wife is expected to raise the children, earn an income and still be there to “spoil” her husband when he returns from his work far from home. This week I was reminded of how much men in general take for granted the rights of privilege and put forward the argument of “it is my right as a man”. This happened when my baby, Captain Adorable, spoke his first words. Yes, you guessed it. His first word was “Mamma”. So much for forcing him to say “Dadda” to someone who is so often out! In Namibia, we have quite a few “rights of privilege”: from the white person born before Independence who cannot understand why a black pe...

(First appeared in New Era 24 June 2015) The past week I was forced to pay an extended visit to my bed to get rid of the flu. In my family, my Mother believes in quite a few “home remedies” including Boegoe Brandy, Jamaica Ginger and of course the trusted vaporub and med-lemon. Some of these remedies are also known as “Hollandse medisyne” (Dutch medicines) and can be found in most supermarkets. There are “cures” for stomach aches, headaches, burping children and even chasing away evil spirits. Yes, one of the medicines are used in drawing a cross on the forehead of a child when you have no idea what else to try – and this chases away the evil! Some of us may ridicule these “cures”, but ask any parent whose child has the hiccups whether putting a piece of paper on their forehead helps? While being in bed I came across an insert in one of our daily papers for the services of a witchdoctor. Normally I would refer to a person giving advice handed down from our forefathers as a tradition...

(First appeared in New Era 17 June 2015) The past few weeks have been very hectic in the Shaanika-Louw household as Captain Adorable starts on the journey of “real foods”. Waking up at night to soothe a crying child brings reality to a parent on what we do in the hope of giving our child the best opportunity in life. Regardless of how young our children are, all parents worry about the day the child is going to be grown up enough to leave the nest. This is why we take out study insurance policies etc. as we consider whether we, as the parents, will be able to give our children that “right start” to life with a quality education. The Ministry of Industrialisation, Trade and SME Development is in the final stages of submitting the Consumer Protection Policy and Act to Cabinet before it goes to the legal drafters for submission as a Bill to Parliament. The technical committee responsible for the process must be commended for looking at a principle-based approach rather than a rule-bas...

(First appeared in New Era 3 June 2015) In 2006, I was privileged to attend the public meetings at Parliament in Windhoek to address the high cost of finance (especially bank finance) in the country.  The late Hon. Reinhard (Kalla) Gertze, Member of Parliament, had proposed an investigation into the financial institutions through public hearings of the Parliamentary Committee on Economics, Natural Resources and Public Administration. (This Parliamentary Committee was then under the chairpersonship of our present President, Dr. Hage Geingob.)They held public hearings on bank charges and regulations and one of the submissions, by a banking institution, outlined why interest is charged. In their submission, the bank explained that in the beginning of banking, interest was used to offset the risk of providing the credit to the borrower. There are four risks (hazards), namely a) The costs incurred by the bank while providing the loan had to be repaid; b) Inflation means the lender wi...

(First appeared in New Era 27 May 2015) In the past few decades, most consumer have started to question the high prices paid for “branded” products and have shown their willingness  to but similarly branded products made in developing countries for much cheaper prices. In addition, with new technologies, many consumers are using the Internet and file-sharing services to get hold of digital products such as music and movies that would previously have to be bought but are now “shared” – with no costs to the consumer. Some consumers especially question products made by for example vehicle manufacturers and compare their prices to pirate products that seem to do the same job for a much lower price. The World Intellectual Property Organization, WIPO, states that, “systems to protect intellectual property rights, currently in place across the world, have many loopholes that are being exploited by those producing fake goods, especially of well-known international brands. Counterfeit an...

(First appeared in New Era 20 May 2015) This week, I take a quote from Thomas Woodrow Wilson (1856-1924) who was the 28th President of the United States of America (1913-1921). He held a PhD in Political Science and was the President of Princeton University (1902-1910). He wrote various books including a textbook used in colleges in which he argued that government should not be deemed evil and advocated the use of government to” allay social ills and advance society's welfare”. The past week it was my privilege to have my ten year-old stepson staying with us during the school holidays. At one point, I was playing a game involving Star Trek characters and he asked what that was. I tried to explain but found that the generation gap of what we had watched on television was too broad. Nevertheless, it was good to again watch an episode together and hear the words “To boldly go where no man has gone before”. The present Housing Crisis (yes it is a Crisis with a capital letters), nee...

(First appeared in New Era 13 May 2015) The saying “A man’s home is his castle” is an old English proverb and is often attributed to Sir Edward Coke (1552-1634), an English jurist, member of parliament and writer, who used this principle to state that no one may enter a person’s home without permission. The past two years I have been renting a double story flat in a complex close to the Social Security Commission. As my family has expanded to include a wife and baby I have had to start looking for a free-standing house or at least a flat without stairs as we fear our baby will be a little rough with his new walking ring. As I was looking through the various rental options, I once again realised that the price of rentals in Windhoek is going through the roof. This led me to look once again at the issue of rent control and its applicability in the Namibian situation. The idea to enforce rent control is in place in at least 40 countries across the world. The idea of rent control is t...

(First appeared in New Era 6 May 2015) Today’s column is a play of words on the saying “It is a Mexican standoff”. A Mexican standoff refers to when two or more opponents have their guns drawn and unless there is an agreement to stop, all parties will die regardless of who pulls the trigger first. This remains unresolved until some outside event makes it possible to resolve it. It is used in today’s column to symbolise the stand-off on issues of land and specifically access to urban land. The past week I was working in Onyaanya constituency of the Oshikoto region.  Unfortunately there were no suitable accommodation establishments that had place for the period within the immediate vicinity and I had to book into a guest house just outside Ondangwa. As it was a long weekend, I managed to take time in the evening to do some “window shopping” in the towns of Ondangwa and Ongwediva. I must add that I was glad that my employer had not paid my salary by the end of the month and I was a...

(First appeared in New Era 18 April 2015) The heading of today’s column was originally from the title of the essay “Siquila too good to be true” by Thomas Lupton in 1580. The term “too good to be true” expresses the unconvinced view that something that seems fine must have something wrong with it. The past week I was looking at various options, I came across a number of businesses that promised me various levels of income and most of them indicated that it would be “easy”. I researched different businesses from online selling, private blog networks, Tupperware sales, Herbalife and even looking at becoming a Golden Products agent. Each of these businesses had very low entries into the business and was built on a multi-level marketing strategy (MLM). A Multi-Level Marketing is a marketing strategy in which the sales force is compensated not only for sales they generate, but also for the sales of the other salespeople that they recruit. This recruited sales force is referred to as the ...

(First appeared in New Era 15 April 2015) The heading of todays’ column is a quote from Gaius Plinius Secundus (AD 23 – August 25, AD 79), a Roman better known as Pliny the Elder. He was amongst others an author, naturalist, and philosopher, as well as naval and army commander of the early Roman Empire. He is also well-known for the quote, “There is always something new out of Africa.” (Source: Wikipedia) As a newlywed couple, my wife and I have started looking at a house to purchase as the present place we call home is a rental and is not putting any long-term value on our balance sheet. The cost of housing is already well-known and most of us have heard the cry of “Affirmative Repositioning” which seems to imply that land for housing must be made available for all Namibians. However, regardless of whether you purchase an existing house, or get a serviced erf from the local authority, you must still be aware of the hidden costs in the purchase of a property. Most buyers are not a...

(First appeared in New Era 8 April 2015) This weeks’ column heading comes from a letter written by Benjamin Franklin, to Jean-Baptiste Leroy in 1789. The full quote is “Our new Constitution is now established, and has an appearance that promises permanency; but in this world nothing can be said to be certain, except death and taxes.” Last week I read with great joy that the pensioners would from now on be receiving an amount of N$ 1,000 per month. This news was provided by our President and confirmed by the Minister of Finance. If you remember dear reader, I wrote in the Consumer column of 28 January 2015, “.. would it also not be a sign of a mature country to provide sufficiently for our elderly with a state pension of at least N$ 1,200 per month? If we give this a little thought, perhaps we too can honour our mothers and fathers that our days on earth might be long.” It appears our political leaders have heard the voices of the masses and have shown their respect too for our elder...

(First appeared in New Era 1 April 2015) The past week has seen me working in Swakopmund again. As luck would have it, my wife and son could also join me at the coast so that we could spend some of the weekend – especially Easter weekend - together. After all, “All work and no play makes Jack a dull boy”. This proverb means that without time off from work, a person becomes both bored and boring. One night we visited the Tug Restaurant near to the jetty for dinner. The place was reasonably busy and my wife and I enjoyed the excellent food that was served by a gracious waitress that timed each of our three courses perfectly. At one point my four month old son needed his “meal” and informed us in a rather melodious cry that he would wait no further. The restaurant had no problem with my wife sitting in our corner and breastfeeding him under a cover. None of the other patrons seemed disturbed either and I felt pleased that he was able to complete his meal without any disturbance. This ...

(First appeared in New Era 25 March 2015) This week’s column heading comes from the Medieval Latin word “In flagrante delicto” meaning “while the crime is burning”. This refers to being caught in the very act of wrongdoing. Today it most often refers to being caught in an act of sexual misconduct. The past few months have seen a large number of celebrities, as well as a few local ladies, find themselves in hot water as their ex-lovers have posted nude pictures or other sexually explicit material over the social networks. This type of behaviour is referred to as “revenge porn” and even has websites where such material is welcomed. Namibia also joined this distasteful practice when a tertiary student posted a video of his ex-girlfriend recently online. I have five daughters who grown up around me and had to from time to time remind them that certain behaviour is not “lady-like”. Being in the field of information technology and having access to many of the ICT tools early on, led me t...

(First appeared in New Era 18 March 2015) Two weeks ago I was contacted by a consumer complaining about a freezer that they purchased a freezer and it is already broken after a few weeks. The customer was very upset as the store wished to come and fix the broken freezer and not replace it. Unfortunately for the client there is no consumer act in place and the store has the right to fix the freezer rather than replace it. The problem for this consumers was the misunderstanding between the term “warranty” and “guarantee”.  Most of us would expect that when we purchase a product, the warranty – or the written guarantee - issued by the manufacturer of a product will include a provision to replace the product within a specified period of time. The problem comes when we do not read the fine print when doing the purchase. In this consumers case the warranty issued by the manufacturer promised to repair or replace it if necessary within a specified period of time. The store was thus corr...

(First appeared in New Era 4 March 2015) This week I must start my column with feedback from last week when I wrote about the chickens supplied by Namibian Poultry Industries. The company contacted me through their marketing company and invited me to visit their business and get more information regarding the processes used in bringing chicken to the market. Unfortunately, I have to travel out of the country for work and will only be able to take up their offer after the 10th of March. But be assured, dear loyal reader, I will write about it once I have visited the facility and bring you a more informed column in this regard. The past few months I have seen a greater awareness of consumer protection from not only companies but also the government regulators in various sectors. I must congratulate the Communications Regulatory Authority of Namibia (CRAN) for their speedy reaction to the MTC N$2 data saga as well as their prompt intervention with the NBC and DSTV regarding the digita...

(First appeared in New Era 11 March 2015) Today’s column heading comes from the Bible and is referenced in Mathew 13:57 – Then Jesus told them, "A prophet is honoured everywhere except in his own hometown and among his relatives and his own family." The past week I was fortunate to visit Botswana for work-related activities. During my visit I was fortunate to visit various tourism establishments as well as the major shopping malls around the capital of Gaborone. This was also an opportunity to discuss with colleagues the differences between our two countries, as well as the “areas of quality” which we wish we had from our neighbour. The first topic was of course the cleanliness of our country and especially of Windhoek as the capital. The second, and surprising topic to me, was the respect our neighbours have for the service industry in Namibia. As this is one of the main reasons for this type of Consumer Court column, it was very intriguing to find out how they experienc...