Why I am an OG - Old Gangster

 The youngsters of today look at the digital world as if it has always existed. To them, connectivity is like oxygen—invisible, immediate, and everywhere. They navigate the web with a casual familiarity that often overlooks the foundation underneath it. When they use the term "OG" on me, I take it as a compliment. I am an Old Gangster of the internet, simply because I was there when we had to build the roads they are now driving on.



My digital journey began in the early 1990s right here in Windhoek. Long before the World Wide Web became a household name, I connected to CompuServe using one of the very first dial-up lines provided by South West Africa Telecommunications (SWASTEL). In those days, getting online required patience and a tolerance for the high-pitched screech of a modem fighting for a connection. If you have never experienced the tension of a 9,600-baud handshake, you do not know the true historical cost of data.

My perspective expanded significantly in 1993 when I lived in Paris. Europe offered a glimpse into a more fully integrated network ecosystem, showing what was possible when infrastructure meets demand. By 1994, I moved from consuming content to creating it. I built my first website from scratch using HTML 1.0. This was a time of plain text editors, grey backgrounds, and bright blue hyperlinks, where every single layout tag had to be written and closed manually.

Commitment to the medium eventually brought wider recognition. By 2006, I was an established Google publisher, with my platform attracting over 100,000 views a month. When Facebook launched its initial global expansion, I joined the platform in 2007. Since then, the tools have changed, but the core objective of digital communication remains the same.

What usually establishes my status with the younger generation, especially the gamers, is a minor detail from the past. They often assume that digital storefronts and online purchases are recent inventions. They tend to quiet down when they discover that my very first online purchase was a copy of DOOM back in 1996. This was long before instant one-click downloads; it meant manually routing an encrypted text order form through an early web browser and waiting weeks for the registered floppy disks to arrive by mail.

I accept the title of OG because my generation did not merely inherit the internet. We witnessed its arrival, adapted to its early limitations, and helped establish the space that users take for granted today.

Momentum and Metropolitan Are Breaking the Law

Ordinary Namibians are being robbed of transparency, and the corporate giants are getting away with it.

An explosive audit of unclaimed monies notices reveals a staggering pattern of corporate default. Out of thousands of records examined, a single corporate family—Momentum Group, Metropolitan, and Momentum Metropolitan—accounts for over 5,000 instances of publishing unclaimed beneficiary lists where they do not provide amounts as specified, as is MANDATORY under the law.



These funds belong to everyday citizens who have trusted these financial institutions with their life savings, pensions, and retirement annuities. Yet, when it comes to publishing statutory unclaimed notices in the Government Gazette, this corporate giant repeatedly leaves out legally required benefit amounts—making it impossible for families to know what is rightfully theirs.

These funds originate from just one company that is breaking the law in relation to all these clients.

We have to ask the hard question: Where is the regulator? Why does NAMFISA (Namibia Financial Institutions Supervisory Authority) allow this massive, systemic legal non-compliance to continue unchecked while vulnerable consumers lose out?

As consumers, we demand accountability. It’s time for Momentum and Metropolitan to obey the law, and it’s time for NAMFISA to do its job.

Unclaimed Insurance Policies in Namibia: Around 5,000 Policy Records Now Searchable Online

 Unclaimed Insurance Policies in Namibia: Around 5,000 Policy Records Now Searchable Online

For over a decade, hundreds of millions of Namibian Dollars in active, matured, or deceased-member insurance policies have sat dormant across local financial institutions. Under Section 93 of the Administration of Estates Act, long-term underwriters are legally required to publish lists of unclaimed monies in the official Government Gazette. However, because these printed records are difficult for ordinary citizens to access and search, many families remain entirely unaware that funds are rightfully owed to them.

To address this information gap, Intelligent Tracing Solutions (IT Solutions) has compiled and published a centralised, searchable index of unclaimed insurance policies and monies in Namibia.

What Is in the Unclaimed Policy Database?

This digital register consolidates statutory publication notices issued in the Government Gazette between 2014 and 2026.

  • Overall Repository: Over 31,000 normalised unclaimed monies records.

  • Insurance Policy Lookup: Around 5,000 specific Namibian insurance policy entries featuring policy numbers.

  • Underwriters Included: Major Namibian long-term insurance companies, including Old Mutual Namibia, Sanlam Namibia, Liberty Life, and Momentum Metropolitan.

  • Key Identifiers Available: Policy numbers, beneficiary surnames, first names/initials, and dates of birth.

When information is hidden behind static PDFs or printed Gazette notices, citizens are left uninformed. By standardising and digitising these historical records, ordinary Namibians can now easily verify whether an old policy, pension payout, or family inheritance is waiting to be claimed before it is transferred to the Master of the High Court’s Guardian’s Fund.

How to Search for Your Name or Policy Number

If you suspect that you, a late relative, or a family member may have an uncollected life assurance, retirement, or funeral policy, you can search the database directly:

  1. Access the Online Lookup Register: Search the database by surname, full names, or policy number using the direct lookup tool at [https://shorturl.at/8VP4t](https://shorturl.at/8VP4t).

  2. Review the Results: Check the details against your records or family history.

  3. Get Claim Assistance: If you identify a matching entry or policy number, send a WhatsApp message to Intelligent Tracing Solutions at +264 81 688 1368 with your full details for verification guidance and help with filing your claim.

Financial transparency and civic informaticism are essential for protecting consumer rights in Namibia. Take a moment to search the database today and share the link with friends and family—you may be holding the key to an unclaimed inheritance or policy payout that belongs to your family.

Driveway Ornaments, Yango Surge, and the Fuel Price Puzzle

A few weeks ago, I found myself revisiting a question I'd been putting off for some time: does it still make financial sense for me to own a car?

That question sent me down a rabbit hole of comparing electric vehicles, running the numbers, and taking an honest look at my actual driving habits. The conclusion surprised me: apart from the school run and the occasional trip to friends, my car spent most of its life standing still. It had become little more than a very expensive driveway ornament. Insurance, maintenance, fuel, and depreciation costs kept rolling in regardless of whether the vehicle moved or not.

So I sold it and started using Yango.



It’s been an interesting experiment. Most of the time it works exceptionally well. But when rush hour arrives, or month-end demand kicks in, you’re quickly reminded that transport costs don’t exist in a vacuum. They are affected by the same economic forces that affect everything else.

Even though I no longer pay directly at the pump, fuel prices still govern my ride-hailing fares, my commuting expenses, and my overall monthly budget.

If you've been watching developments in South Africa recently, the headlines are enough to make any commuter nervous. Analysts and industry observers have been warning about significant fuel price pressure as global oil markets remain volatile and currencies across emerging markets come under strain. Because Namibia and South Africa are so closely linked economically, many consumers automatically assume that whatever happens there will happen here.

That’s only partly true.

We share the same global challenges. Oil is traded in US dollars, and the Namibia dollar remains pegged to the rand. When the US dollar strengthens or crude oil prices rise, importing fuel becomes more expensive for both countries. What differs is how those costs are managed locally.

Last week, the Ministry of Industries, Mines and Energy announced a N1.50 per litre increase in the price of Petrol 95, taking the Walvis Bay price to N26.58 per litre. Diesel prices, however, were left unchanged at N27.86 per litre for Diesel 50ppm and N27.96 per litre for Diesel 10ppm.

On the surface, that distinction might seem like an academic detail to someone taking a Yango across Windhoek, but in reality, it is crucial.

Diesel is the fuel that powers the productive economy. It moves freight across the country, powers agricultural operations, feeds mining equipment, and keeps the logistics networks moving between businesses and consumers. By holding diesel prices steady, the government is effectively trying to stop higher fuel costs from spreading through the entire supply chain.

Petrol motorists are still taking a direct hit. A household filling up a 50-litre tank will pay about N$75 more every time they visit the service station. But that is very different from seeing transport, freight, and grocery costs all spike simultaneously.

That is why I don’t think this month is shaping up to be a full-scale fuel shock for Namibia. A squeeze? Yes. A shock? Not yet.

For most households, the bigger story remains the combined pressure of fuel costs, interest rates, and everyday living expenses. Many consumers are already spending more on debt repayments than they were a year ago. Adding higher petrol costs simply leaves a little less room in the monthly budget.

As consumers, we should also be careful about automatically accepting every price hike that gets blamed on fuel. Because diesel prices remained unchanged this month, businesses that depend heavily on road transport have not experienced a direct increase in their primary fuel cost. That doesn’t mean prices cannot rise for other reasons, but "fuel costs" should not become a convenient blanket explanation for everything.

My journey into electric vehicles started because I was trying to reduce my own transport costs. What it ultimately reminded me is that transport remains one of the most vital expenses in any household budget—whether you're driving a petrol vehicle, considering an EV, taking a Yango, or catching a local taxi.

And right now, that budget deserves a little more attention than usual.

Is the Master of the High Court Part of the Judiciary in Namibia?

I was recently interviewed by journalist Augetto Craig on The Evening Review about the work of the Namibia Consumer Protection Group and my efforts to help identify beneficiaries of funds being held by the Master of the High Court. During the discussion, a question came up that I suspect many Namibians have never really stopped to consider: Is the Master of the High Court actually part of the judiciary?

For those interested, the interview can be viewed here.



At first glance, the answer seems obvious. The office is called the Master of the High Court. Most people would naturally assume that if an institution carries the name of the High Court, it forms part of the judiciary. Yet when one looks at how Namibia's institutions are organised today, the answer is not quite as straightforward as the title might suggest.

The Master's Office performs functions that affect thousands of Namibians. It administers deceased estates, supervises trusts, deals with insolvencies, liquidations and the Guardian's Fund. Anyone who has had to deal with the estate of a deceased family member will know that the office plays an important role in people's lives. Because its work is closely linked to legal matters, many people simply assume that it belongs to the judiciary.

One of the developments that changed the landscape was the establishment of the Office of the Judiciary. Namibia's courts now have their own administration and support structures separate from government ministries. This reflects the principle that courts should operate independently and that the administration supporting judges should be distinct from the ordinary structures of the Executive.

What makes this interesting is that the Master's Office does not form part of the Office of the Judiciary. Instead, it falls under the Ministry of Justice and Labour Relations. The title may create an impression of judicial status, but administratively the office remains part of a government ministry.

This distinction is not merely a matter of administrative organisation. It is also supported by Namibian law. In the landmark case Kamuhanga v The Master of the High Court, the court described the Master as "an administrative official within the meaning of Article 18 of the Namibian Constitution". By characterising the Master as an administrative official rather than a judicial officer, the court confirmed something that is sometimes overlooked in public discussion. The Master's Office does not exercise judicial power in the way that a court does. Instead, it is a public office whose decisions and conduct must comply with the constitutional principles of fairness, reasonableness and accountability that apply to public administration.

For me, this is not merely an academic discussion about constitutional structures. Over the past few months I have spent a considerable amount of time assisting individuals and families attempting to trace and claim unclaimed monies being held by the Master of the High Court. In many cases, the beneficiaries are ordinary Namibians who did not even know the funds existed. Helping people navigate that process has given me a practical reason to think about the role and status of the Master's Office.

In the course of this work, I have occasionally gained the impression that some officials view the office as deserving the same level of deference that citizens would ordinarily show to the courts. Questions are sometimes treated as challenges and requests for information can feel like asking for a special favour. Yet if the Master's Office is an administrative office rather than a judicial one, then the relationship between citizens and the office should be viewed differently.

The funds being held do not belong to the Master. They do not belong to the officials administering the office. They belong to beneficiaries, heirs and claimants who may have a legal right to receive them. Those seeking information are not appearing before a judge. They are engaging with a public office that exists to serve citizens and administer those funds in accordance with the law. When people enquire about unclaimed monies, they are not seeking charity. They are seeking information and assistance regarding assets that may rightfully belong to them.

That is why I believe the question matters. If citizens assume that the Master's Office occupies the same position as a court, they may hesitate to question delays, challenge administrative decisions or insist on reasonable service. Yet public institutions function best when both officials and citizens understand their respective roles. Respect should always flow both ways.

The title Master of the High Court naturally focuses attention on the office's connection to the courts. That connection is real and important. However, names do not always tell the whole story. When one looks at where the office is located within government, how Namibia has structured the administration of the judiciary, and what role the office actually performs, a more nuanced picture emerges.

Perhaps the real question is not whether the Master works closely with the courts. Few people would dispute that. The more interesting question is whether every institution connected to the courts automatically becomes part of the judiciary. Once that question is asked, the answer seems far less obvious than the title of the office might suggest. More importantly, it reminds us that citizens dealing with the Master's Office are not standing before a court. They are interacting with a public institution that exists to serve the public, administer the law fairly, and account for the way it performs that duty.

Universal Service Should Mean Serving People

(First published as a Letter to the Editor - The Namibian Newspaper - 11 September 2026)

A phone number used to be just a phone number. Today it is much more than that. It is how employers contact job seekers, how banks send notifications, how government departments communicate with citizens, and how schools, clinics, businesses and family members find us. For many Namibians, a phone number has become part of their digital identity.

That is why the issue of mobile number cancellation deserves more public attention than it receives. Most people understand that telecommunications companies need rules for managing inactive numbers. Number ranges are finite and networks must be managed efficiently. The problem arises when efficiency becomes more important than the people the system is supposed to serve.

Consider a pensioner who buys airtime only when money is available, an unemployed person who may go months without recharging a phone, or a seasonal worker whose income fluctuates throughout the year. When an inactive number is eventually cancelled and recycled, the consequences can be significant. Potential employers lose contact with job seekers. Banks lose a communication channel with their customers. Government departments lose a way of reaching citizens. Family members lose a trusted point of contact. What appears to be a simple administrative process can have real human consequences.

A mobile number is no longer merely a telecommunications product. It is an address for opportunity. Increasingly, it is how people participate in the modern economy and society. We would never accept a citizen losing their national identity because they had not used it often enough. Yet we have become comfortable with people losing the digital identities through which modern society increasingly communicates with them.

The irony is that Namibia's telecommunications laws are built on the principle that access to communication is a public good. The Communications Act provides for a Universal Service Fund to help ensure communications services reach communities that market forces alone might not serve. The principle behind the fund is straightforward: connectivity is too important to be determined entirely by commercial considerations.

Parliament recognised that some communities would remain unconnected if profitability were the only consideration. Universal service exists because participation matters. Every citizen matters, not only the customers who generate the highest returns.

Yet the history of the Universal Service Fund raises uncomfortable questions. Although the legal provisions came into force in 2016, the fund only became operational years later. The legal arguments surrounding its implementation may have been legitimate. Companies have every right to challenge regulations they believe are unfair. But while regulators and operators argued, communities waiting for improved connectivity continued to wait.

The larger question is whether we have slowly begun viewing telecommunications primarily as a business rather than as essential infrastructure. MTC's history suggests it was intended to be more than just another company. Established with government involvement and development-oriented international partners, its origins were rooted in a broader vision of national development and inclusion. That vision should still matter today.




This is not an argument against profit. Profitable companies create jobs, invest in infrastructure and contribute to economic growth. But profit should be a means to a public purpose, not the purpose itself.

The real question is not whether MTC is profitable. The real question is who that profitability ultimately serves. When a company is rooted in public ownership and developmental objectives, its performance should not be measured only by dividends and financial returns. It should also be measured by whether ordinary citizens are better connected, better served and better included in the opportunities of modern life.

The real measure of a state-owned enterprise is not how much profit it generates. It is whether it continues to advance the public purpose for which it was created. Universal service is not ultimately about towers, fibre networks or spectrum licences. It is about people.

And when corporate convenience begins to outweigh the needs of the people a public enterprise was created to serve, it may be time to ask whether it has forgotten its purpose.


A Baboon in My Kitchen Made Me Think About AI

Why Namibia’s stories matter more than we might realise

I live in Avis, Windhoek, close to the dam, and almost every day baboons visit our house because they have learnt that there may be an opportunity to find food. One morning I walked into my kitchen and found a baboon sitting on the table eating raw eggs. It was a terrifying experience, although I am still not entirely sure who was more frightened: the baboon or me.

What stayed with me afterwards was the fact that the baboon was not in my kitchen by accident. Somewhere along the way, he, or perhaps the troop before him, had learnt that people leave food in bins, that open doors can lead to opportunities, and that human settlements can provide rewards if one is prepared to take the risk. None of that knowledge appeared magically. It had travelled through observation, repetition and habit.



A young baboon is not born knowing where to find water after a long dry spell, which roots can be eaten safely, where danger is likely to come from, or how to move through a familiar landscape without attracting unwanted attention. He watches the older animals, learns what they do, and benefits from experience accumulated before he arrived. In time, he develops an understanding of the world far greater than anything he could have discovered alone.

Of course, he inherits more than wisdom. A useful habit survives, but so can an unhelpful one, simply because it has become normal. The young baboon has no special ability to sort truth from error before learning it. He learns from what he sees, and only later does experience teach him which lessons serve him well and which do not.

The more I thought about it, the more I realised I was thinking about AI.

The comparison is not exact. A baboon experiences the world directly. It sees, smells, watches and remembers. AI does not do that. It learns from the traces people leave behind: words, images, code and records of experience. Yet both examples point towards the same idea. Knowledge does not appear from nowhere. It comes from what has been seen, preserved and passed on.

For all the grand language and hype surrounding AI, it is not an independent source of wisdom floating somewhere above humanity. It has been shaped by an enormous collection of things people have written, recorded and shared. When it helps us write software, summarise documents or explain a difficult idea, it can seem remarkably intelligent because it has been exposed to more information than any one person could ever hope to work through in a lifetime. Yet what it can tell us is shaped by what people have written, recorded and shared in the first place.

That is not me complaining about AI. I use it and find it genuinely useful. But it does make me wonder whose experiences become part of the record from which these systems learn.

Namibia is not invisible online. We have journalists, researchers, bloggers, academics, businesses and institutions producing useful work every day, but compared with countries with much larger populations and greater resources, our digital footprint is small.

What makes this difficult to see is that many of the things that define Namibia are not the sort of things that usually appear in official reports or databases. A map can tell you the distance between towns, but it cannot tell you whether the road is good, whether the fuel station actually has fuel, whether the rain has washed part of the road away, or who you happened to meet along the way. Some knowledge lives in books and reports. Other knowledge lives in experience.

It is easy to imagine that the internet is a broad and reasonably balanced reflection of the world. The more I think about it, the less true that seems. Some countries and communities document almost every part of their lives, while others carry much of their knowledge through family stories, practical work, memory, humour and conversation, things that never make their way into a search engine or database.

There is an enormous amount written about life in London and New York. There is far less written about everyday life in Lüderitz, Outjo or Omaheke.

This imbalance has consequences.

An AI system may know a great deal about public transport in London while having little understanding of why a family from Outjo thinks differently about distance, travel and community. It may offer advice that sounds universal while quietly assuming reliable infrastructure, dense populations, different laws or a completely different climate. Advice about water use or farming that works well in California may not always suit somebody farming in the Hardap Region.

The machine will not reject the Namibian perspective or deliberately overlook our experiences. It will simply encounter them less often.

That is a quieter problem than people usually imagine. When one set of experiences is recorded millions of times and another appears only occasionally, the most common viewpoint can begin to look like the normal human experience. Other perspectives start to seem unusual, not because they are less valuable, but because fewer people have written about them.

What interests me most, though, is not only whether AI knows enough about Namibia. It is whether we are writing enough for one another.

I suspect many of us underestimate the value of our own experiences because they feel ordinary to us. When people hear discussions about AI and data, they imagine universities, governments, large companies and technology firms. They seldom imagine themselves. Yet some of the most valuable knowledge Namibia possesses exists nowhere except in the lives of ordinary Namibians.

A teacher in Katutura understands realities that may never appear in an international report. A farmer near Mariental has practical knowledge that cannot be fully captured in a textbook written on another continent. A shop owner in Oshakati notices patterns of community life that an outside observer would miss. A nurse in Rundu, a welder in Walvis Bay or a pensioner in Keetmanshoop each carries a view of Namibia that cannot be replaced by somebody else's experience.

Then there are the smaller things that are so familiar we hardly think of them as knowledge at all. We know that a distance on a map does not tell you much about a journey, because it leaves out the road, the weather, the fuel stop, the puncture and the person travelling with you. We know how neighbours respond when infrastructure fails, how people adapt when rain refuses to arrive, and how a sense of humour somehow survives almost anything.

These are not usually statistics. They are the texture of a country.

When I speak to people about writing, blogging or sharing their experiences online, I often hear the same question:

“What would I possibly have to say that matters?”

I understand the question because most of us do not experience our own lives as remarkable. We wake up, go to work, face familiar challenges and deal with ordinary problems.

Yet that is precisely the point.

The value of a Namibian story is not that it competes with millions of others. Its value lies in the fact that nobody else can tell it.

Not every contribution needs to be an essay or a book. Sometimes it is a thoughtful comment, a family memory, a correction, a photograph with a proper caption, or a few paragraphs about an otherwise ordinary day.

Perhaps what we need is a little less liking and a little more writing.

Less scrolling past a story from our own town and more responding with what we remember, what we know or how things looked from where we stood.

Writing something in a notebook still has value, particularly for family history and personal reflection. Some stories only need to be known by the people closest to them. Yet the more I thought about this, the more I realised that some stories only become part of a larger picture when they are shared. Knowledge that remains hidden can be difficult for others to learn from. Perhaps that is why blogs, community newsletters, local newspapers, websites, podcasts and even social media matter more than we sometimes realise.

The more I thought about it, the more I realised that this is not only a Namibian issue. Every community has stories, memories and experiences that can be overlooked when louder voices dominate the conversation. The more people write about their own lives and communities, the harder it becomes for one version of the world to be mistaken for everyone’s version of the world.

Perhaps that is one of the reasons ordinary people matter so much in all of this. We are not simply leaving information behind for machines. We are leaving something behind for one another, and for the people who will come after us.

This should be done with care. Not every story, tradition or form of cultural knowledge belongs in a public database, and communities should retain the right to decide what is public, who may use it and whether it may be reproduced by commercial systems. Preserving knowledge and exploiting knowledge are not the same thing.

But perhaps the mistake is assuming that somebody else will tell our story for us.

More people are beginning to use AI as one of the ways they make sense of the world. I do not see that as a reason to fear it. I see it as one more reason to participate: to write a little more, respond a little more thoughtfully and leave a fuller record of who we are.

After all, the young baboon only learns from what the troop leaves behind. Perhaps the real question is not only what AI will learn about Namibia, but what future Namibians will learn about Namibia too.

If we do not write and share our own stories, future AI systems may know less about Namibia, but more importantly, future Namibians may know less about Namibia too. That will not be because our experiences did not matter. It will simply be because too few of them were written down, shared and remembered.

Stories survive because somebody takes the time to tell them. If AI gives us one more reason to write, publish and share our experiences, then perhaps that is not such a bad thing after all.


Why I am an OG - Old Gangster

 The youngsters of today look at the digital world as if it has always existed. To them, connectivity is like oxygen—invisible, immediate, a...