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 competitions
CONSUMER
The Team NEWS

Publisher
Consumer News
Editor’s Note

Printed by There is a feast of reading, competitions and prizes to win in this month’s edition.
John Meinert Printing
Being Namibia’s only independent consumer-affairs magazine, we investigate issues
that affect consumers and which help them to make informed decisions in their day to
Distribution by
day spending life. This issue is packed with valuable information and expert opinions
Nampost Courier
for the Namibian consumer. We examine the operations of the UKCG Church, which

Design & Layout somehow seems to defy the core ethics of Christianity. We also look at customer

Elisha Chambara service and counterfeit goods sold at ‘China town’ and investigate whether consumer
E-mail: elisha@consumernewsnamibia.com rights are being infringed in any way. Our entertainment section visits the Himba
Cell: 081 377 4344 fashion show held at the FNCC; how more local can we be? Many Namibian citizens
and children lack birth certificates and Consumer News looks at items to be checked
The Editor off when completing birth registry forms. Consumer News is establishing itself as
Salome Nzuma an esteemed monthly publication and much-needed article contributions from other
E-mail: salome@consumernewsnamibia.com
consumer-awareness organisations and individuals make for an interesting and infor-
Cell: 081 352 3723
mative read. We would like to express our sincere gratitude to our partners, Namibia
Consumer Protection Group, Namibia Customer Service Institute, Namibian Standards
Journalists
Institute and the Namibian Consumer Lobby for their continued support. We encourage
Tendai K
E-mail: tendai@consumernewsnamibia.com you to join and support these organisations as their efforts pay dividends for the rest of
us. Please be sure to check out our website or Facebook group for even more features
Marla Chaneta and exclusive web content at www.consumernewsnamibia.com. Thanks to everyone for
E-mail: marlachaneta@yahoo.com the fantastic support and feedback. Your feedback propels us to excellence.
Please email me at salome@consumernewsnamibia.com or send us your message to
Raymond Isaacs info@consumernewsnamibia.com
E-mail: raymond@consumernewsnamibia.com
Until next month, happy reading!
Business Development Manager
Salome
Jacques Nieman
E-mail: jnieman@consumernewsnamibia.com
Cell: 081 203 7180 You deserve more ...

Our mission is to create a platform for you the Namibian consumer, who strives to see
Photography improvement in the value of goods and services and are savvy enough to spot misleading
Norman Skrywer advertising and poor quality products and services. You deserve more, and together we
Email: norman4all@yahoo.com have power in numbers, so we welcome your contributions, feedback, acknowledgements
and your voice on products and services that need our investigation.
Cell: 081 430 4003

Leitago Narib
E-mail: leitago@yahoo.com
Cell: 081 363 2712
Contact details

Namibia Consumer Protection Group: Milton Louw. E-mail: miltonlouw@gmail.com

Consumer News Namibia Customer Service Institute: Jon Allen. E-mail: csinstitute@iway.na
website: www.namibiacsi.com
PO Box 96366
Namibian Consumer Lobby: Bob Ziekenoppasser. Tel: 064-461 461 or 081 284 8000
Windhoek, Namibia Namibian Standards Institution: Website: www.nsi.com.na
Tel/Fax: +264 61 228 196

Enquiries
info@consumernewsnamibia.com COMPETITIONS! WIN with Shoprite Checkers and Bokomo Namibia.
CN 01
contents
table of

Feature

ViraKil
We investigate bogus claims of miracle HIV drug 04
Comparison Shopping

We compare cell phone prices 10

Editorial

NCPG (Namibia Consumer Protection Group)

Private institutions – Is it money well spent 03
NCSI (Namibia Consumer Service Institute)
We pay for more than just the trolley of goods 08
Day of the African Child 12
China & U.S.
A tale of two powers 16
100 Namibians
Newspaper poll 18
Team Namibia Member Section

Bokomo Namibia 20
Entertainment

Ras Sheehama
A Namibian master of music 22
International

IMF (International Monetary Fund)

Strangers will never send you money 26 If you would like to
comment on any of
our articles, please
Sports see below.

27
sms ‘CN’ and your
Rugby comment to
Success for Namibia’s National Team
1111
 ?
editorial

Insurance company ripping

consumers off? By Namibia Consumer Protection Group

Short Changed...

A
recent article in the Namibian newspaper about
insurance providers in Namibia, quotes a study
titled “Regulators need to up their game”. The
study “expressed concern about the conduct of
the industry and has warned that the reputation of the Bank
of Namibia (BoN) and the Namibia Financial Institutions Milton Louw
Supervisory Authority (Namfisa) will suffer unless they step to him leaving the job that morning to go speak to his legal
up supervision.” In the study, mention is made of certain insurer. Yeah right. They do not cover the expenses for a labour
insurance companies that make use of misleading advertising case either.
when offering products as “free”.
WHAT is it with insurance companies that do not want to pay
This has to be a wake up call to us as consumers. claims? If you complain at NAMFISA they do very little to
As a lobby group, we have regularly been contacted by help.
customers who do not receive the service they expected when
they bought the products as advertised. A common complaint If I am going to buy legal insurance I expect:
is about the legal insurance product so widely advertised in
our newspapers, radio and television. In these adverts, the Bail Assistance
consumer is made to believe that a monthly premium will . Bail negotiations and applications on members’ behalf .
give them access to legal assistance should the need arise. A Depositing of the bail amount/issuing of bail guarantee on
typical example of how this insurance company works is what behalf of arrested member
happened to Marco H.
Civil Law
Marco was a client of “legal insurance” and was not worried . Bank and insurance matters
if something should go wrong. One morning, his employer . Blacklisting
informed him that there were suspicions of theft and the . Building and construction matters
employees had to each take a lie detector test. Marco called his . Contractual disputes
legal insurance company but was told that they do not cover . Debt collection
labour issues. he then reluctantly took the lie detector test. . Letters of demand
The employer decided to lay criminal charges with the police . Litigation
after the tests and the whole group of employees were taken . Personal injury claims, etc
to the Windhoek central police station and charged. He called
his legal insurance company, and was informed they could not Criminal Law
assist him in a criminal case. . Fraud, theft, robbery or assault
. Arrests
Luckily for Marco, he was able to call up a friend that could . Bail applications
get him bail arranged and he was thus not forced to spend . Consumer issues
the weekend in jail. On the Monday, he duly went to his legal . Driving under the influence
insurance company at their big headquarters building to get . Reckless driving
some assistance. After reporting at the reception, he was rather . Search warrants, etc.
rudely informed that his case did not meet the standards of a
claim. Family Law
. Ante-nuptial contracts
This was definitely a case of misleading advertising if not theft. . Custody disputes
BUT what can Marco really do? Very little. Even the institutions . Divorces
that are supposed to do something, cannot help. We once again . Family violence matters
point out that we need consumer laws, and consumer protection . Interdicts
agencies that have teeth to prevent these companies for abusing . Maintenance disputes, etc.
the Namibian consumer. The cost of taking legal action can
be prohibitive. Could you afford to claim compensation if you Labour Law
were injured in an accident, unfairly dismissed from work or . Dismissals
had a dispute with a business? . Disciplinary proceedings
. Pension payout disputes
A friend of mine has had legal insurance and believed he was . Restraint of trade agreements
covered. About a month ago, he was accused of being involved . Retrenchments
in a theft syndicate at his work. He immediately called his . Unpaid wages
legal insurance company, but was informed they do not cover . Working conditions
criminal cases. He was taken for a polygraph test (is that legal
in Namibia), and informed that he had failed the test. This led Surely this is not too much to ask? <<cn

To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com
CN 03
 editorial
Manna from Heaven
P
erhaps no Christian church has gained as
much publicity in the mainstream media as
the Brazilian Universal Church of the King-
dom of God.
The Church, this year, celebrates 33 years
- an amazing feat given all the reports, alle-
gations and court cases that have followed the institution
just about everywhere they’ve ever set up shop around the
world, spanning 170 countries. Among these is the 2008 in-
cident where Brazil’s largest newspaper group was served
with a total of 28 lawsuits by the Church, based on claims
of libel and defamation. The year before that, the Namibian
weekly state-owned newspaper Southern Times, was taken
to court for about N$120 000, after the church felt an ar-
ticle published in it aimed at painting them as a satanic sect
and previously, the Zambian government had suspended
the church’s operations there following riots in Lusaka over
such claims.
American lecturer and ‘cult’ specialist Rick Alan Ross has
an extensive archive containing news articles and other in-
formation on his website, “www.rickross.com, which docu-
ment a host of other instances, including charges of fraud
and charlatanism that have been leveled against members
of the international body. The website deals exclusively
with organisations deemed suspicious by the institute. The
biggest reason for everyone’s interest in the church stems
from its philosophy of relentless fund-raising, as well as the
04 CN
By Raymond Isaacs
seemingly ever-ascending growth in both following and in-
frastructure. In the most recent news, it was announced just
earlier this month that the church has been given permission
to build a U$200 million replica of the ancient Solomon’s
Temple in Brazil’s economic capital of Sao Paulo.
Its various branches own radio stations and newspapers, run
television shows and erect new church buildings regularly,
while at the same time running projects like soup kitchens
and other community projects.
The Church’s South African website notes that it is entire-
ly funded by charitable donations, and a recent visit to the
church’s congregation in Windhoek’s Independence Avenue
by Consumer News confirmed the church’s emphasis on
money matters. On this particular Sunday service, the first
word of the bishop to the congregation after a powerful re-
corded prayer is “Morning” followed by a call to bring their
tithes to the front.
The tithing system is 100 per cent in line with conventional
Christian belief of setting aside 10 per cent of all earnings
before deduction to God. This campaign is not to bless the
church but those who participated,” he says, calling on all to
depend on God and the belief in their sacrifice. “If you don’t
believe in tithing, it is your right. But don’t come here for
the anointing. I can of course, but it will do nothing. Only if
you believe,” he says.
>>
 Manna from heaven cont.

Consumer News
approached the
A first-hand account from the church itself on what it makes
Church for an inter- of all the negative sentiment around it, as well as some of the
factors that internationally have damaged the Church’s name,
was not possible for this article.

view with its bishop

in early July, but is
still awaiting their
response.
The congregation is made up of a diverse group represent-
ing the entire spectrum of Namibian society and beyond; old,
young, white, black, and from all walks of life. And nobody
is forced into doing anything. In fact, members were eager to
testify to the good things their faith has resulted in.

“I got a promotion. I’m 23 and now just a step from manage-

ment position,” says the first to testify on the day, a govern-
ment employee. “My son’s contract was set to end in June.
It’s been extended to the end of next year,” says the next. “I
told God I want a salary of (N$) 7 000 upwards. Last week I
got a contract as financial manager and I’ll be earning more
than I expected,” it goes on as the rest of the church shout
praises in solidarity.
Just before the bishop delivers his message of human beings
being ungrateful by nature and the need to show gratitude for
God’s blessings, he announces the time has come for further
offerings. Going to the front and contributing your offering,
rewards you with the latest church bulletin, which is filled
with further testimonies and teachings.
The leader even addresses some of the church’s detractors.
Don’t put your faith in man, he says to whoever feels they’ve
been wronged by the bishop himself, by the assistants or oth-
ers in the body.
“People are given free will. If I decide to betray my wife, take
drugs, steal, lie, kill - does that mean the church is bad?” he
asks the congregation, who all seem to agree in the negative.
Consumer News approached the Church for an interview with
its bishop in early July, but is still awaiting their response.
Questions posed to them in a written request include its poli-
cy of transparency in financial matters and the sharing of fig-
ures with church members, the concept of monetary sacrifice
and secular skepticism around this, and the church’s future
plans in the country.
Locally, detractors of the Church have lobbied as far as gov-
ernment to have it banned, but law-makers have stepped in
against such a move.“We are a government guided by our
constitution, which strongly emphasises the freedom of our
people towards their choice of religion.
Hence, anyone is free to choose the church of his or her own
choice,” then Home Affairs spokesperson Kauku Hengari
was quoted saying back in 2005 when the topic was still
heavy on the agenda.

To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com CN 06
 &
comparison shopping

Mom Baby
F
or the August edition, Consumer News took a comparison-shopping trip to the supermarkets and came back with some helpful tips to guide Moms on
their monthly baby-essential shopping excursions. Every parent is familiar with the high costs of raising a baby and most moms shop for baby neces-
sities on a calculated budget. We visited 9 stores and compared 9 items that rank high on mom’s list of baby goodies. This comparison shopping was
done Wednesday, July 28th and reflects the prices in those stores and the products available on that particular day.

EDGARS CLICKS PICK N PAY SHOPRITE CHECKERS JET WOERMAN GAME BABY
BROK COMPANY

Huggies (60) N$132.95 N$132.00 N$111.99 N$129.95

900g Lactogen N$81.30 N$81.99 N$82.99 N$81.79 N$85.49 N$79.95

Fissan N$23.55 N$24.95

Bumcream

Pampers (82) N$175.95 N$159.99 N$189.95

900g Nan

Wet wipes (72) N$36.95 N$37.45 N$38.99 N$39.99 N$38.95 N$37.95

pampers

Cloth Nappy (4) N$69.95 N$69.99

Breast Pads
(Disposable) N$59.95 N$37.79 N$33.95

Earbuds N$5.99 N$5.15 N$4.49 N$4.49 N$4.99 N$5.49 N$7.66 N$4.95

Birth Certificates – EVERY CHILD’S RIGHT

All your baby accessories
A birth certificate is necessary for everyone. It is a crucial piece of documen- under one roof at very affordable prices.
tation which you will always need. Parents with children born at the Kata-
tura state hospital in Windhoek can obtain a birth certificate in the maternity
ward, the main public hospital in Windhoek. This was also rolled out to other
state hospitals around the country. An initiative launched last year designed
to ensure that every child born at the hospital receives a birth certificate.

In Namibia, 81 per cent of women deliver their babies in a hospital, yet 40

per cent of Namibian children under the age of five lack birth certificates.
Children without birth certificates are more vulnerable to abuse, trafficking
and early marriage, and have less access to government services and school-
ing.

UNICEF report
The procedure for obtaining a birth certificate
To register the birth of a child, one or both parents must visit the Ministry of
Home Affairs and Immigration office and fill out a birth registration form,
standardised throughout the country. Moreover, one or both parents must
present their own identity cards and a birth record, if the birth took place in
a hospital.

The following information is found on the birth certificate registry form and
must be paid attention to, to avoid mistakes:
• the newborn child’s identity number
and the page number (folio) and book in which the registration
was recorded
• the year of registration
• the child’s family name(s)
• the child’s given name(s)
• the child’s gender
• the place of birth (name of the hospital, the clinic and the country)
Contact us on: +264 61 400 720 (Tel/Fax)
Email: sylviar@iway.na
Visit us @ 24 Andimba Toivo Ya Toivo street,
Southern Industrial Area
07 CN
 WIN with BOKOMO NAMIBIA

• date of the birth (day, month, year)

• the order of birth: first, second in the case
of multiple births, for example
• the full names of both parents and their
nationalities
• the place of issue of the document
(hospital, the clinic)
• the seal and signature of the registrar

Every mother has her own unique way of making her child(ren) feel spe-
cial and trying to provide for them to the best of her abilities. In light
of this, Consumer News is running a competition and we are searching
for Namibia’s Top Consumer Mom-of-the-Month. We want you to share
your consumer ideas and tips with other mom’s out there. Email us your
story in order to qualify for the Top Mom prize. The story should be
about 50 words. The lucky winners will receive shopping vouchers for
their babies.

If you think you have what it takes to be our Top Consumer Mom, please
send us your story to consumernews@iway.na.

Competition closes on Wednesday, August 25, 2010. The winners will be

drawn and contacted.
Pasta Perfecto Macaroni with Asparagus,
Baby Tomatoes and Feta Cheese
Ingredients:

500g Pasta Perfecto Macaroni- cooked all dente

20ml olive oil
500g fresh green asparagus
250g baby tomatoes - halved
2 garlic cloves finely chopped
15ml balsamic glaze
60ml toasted sliced almonds
2 rounds feta cheese

Method:
Trim the woody ends off the asparagus and cut
the rest into 3cm pieces. Pan-fry the asparagus,
baby tomatoes and garlic in olive oil for about 5
minutes.

The asparagus should be fresh and the baby

tomatoes firm and whole. Add the balsamic
glaze and mix throughly. Add the pasta and stir
until warm. Transfer into serving dish and
sprinkle the roasted almonds and crumbled feta
on top.

!
tito!!
ape
un
Bo

WIN WIN WIN...Hampers!!!

Which local company produces pasta perfecto?
sms your answer to 1111
08 CN Competitions ends 31 August 2010 CN 21
terms & conditions apply sms charged at N$2
 Don't Waste a Watt!!
KETTLE
Why pay for boiling a full
kettle of water if you only
need a cup?

GEySER • Only boil the amount of

water that you need
Why pay for hot water not being used? • Keep your kettle’s
element clean of chlorine
• A geyser accounts for up to 40% of your electricity bill. build up by boiling
• Ensure that your thermostat is set to no more than 55 vinegar.
Degrees Celsius.
• Wrapping your geyser in an insulating blanket can cut
power consumption by half.

HEATER AUTOMATIC WASHING

Why pay for heating rooms MACHINE
that are not occupied? Why pay for full cycle when
washing only 2 items?
• Electric heaters that
• It is a fact that a front
are controlled by
loading washing machine
thermostats are more
uses less water and
energy efficient.
power than top loaders.
• Oil filled heaters are
• Use warm and cold water
the safest.
settings
• Only heat rooms that
• Only use the machine to
are occupied.
do full loads of washing.

ELECTRIC STOvE
• Use a pressure cooker when preparing
food that normally takes a long time
to cook.
• Consider buying a stove with a
convection oven.
• The size of the pot to match the size
of the stove plate.
• Use cooking utensils with flat bottoms placing it in the refrigerator
and tight covers
• Do not use grill compartment to make
toast
• Don’t use a stove to light a cigarette.
• Never use the stove or hot plate as
heaters.
fRIDGE
• Don’t open fridge doors unnecessarily
• Ensure that door seals are intact
• Switch off the fridge when it is
empty or when going on holiday
• Let hot food cool down before
• Defrost the fridge regularly
• Leave space between items on
shelves, this allows cool air to
circulate more easily.

MICROWAvE DISHWASHER
• Defrost food before cooking in microwave.
• Only use a microwave to cook small to medium quantities of food • Run it only when it
• Compare cooking times on packaging and use the method that is full
takes the least time and power. • Turn it off before
the drying cycle
starts and dry
dishes manually.
• Connect the
machine to the cold
water supply
• Make sure that
all the filters stay
clean.

for more information please visit our website at www.nampower.com.na

 Don't Waste a Watt!!
fREEzER aIr-COndItIOner
Why pay for cooling/heating rooms that are not occupied?
• Clean and inspect filters regularly
• Set your air conditioner to recirculate cool air instead
of drawing in warm outside air.
• Protect outdoor cooling units from the sun.
• freezers that are iced up use substantially more
power, so keeping freezers frost free will save you
power and money.
• Not overstocking your freezer means that cold air
circulates easier and less power is required to keep
temperature constant.

Tv/DvD/STEREO/
COMPUTERS
Why pay for 24
hours usage?

IRON • Standby-button
consumes en-
• Use a thermostastically controlled iron that switches itself ergy.
off when the correct temperature is reached. • Switch off the
• Switch an iron off once it has reached the correct power button.
temperature and complete the ironing on stored energy.
• Use distilled water in steam irons
• Iron low temperature fabrics first to reduce warm-up time

TUMBLE DRyER CELLPHONE

• Tumble dryers are great
appliances, but consume vast
amounts of energy.
• Use correct temperature
setting to minimise electricity
use.
• Removing excess water before
putting clothes into the • Only recharge your cellphone battery when it is com-
tumble dryer saves time and pletely drained
power. • Never leave your cellphone charging overnight
• Best of all, use sunny days to • When your cellphone is fully charged, unplug the char-
dry clothes outdoors. ger.

SMALL APPLIANCES LIGHTBULBS

• Replace conventional bulbs with Compact fluorescent
Light (CfL) bulbs where possible.
( Toasters, electric grills,
• CFL bulbs give the same light while using a fifth of the
slow cookers, electric
power and last 10 times longer.
pots/pans)
• Always switch off lights when you leave a room.

• They use less

electricity than a
stove

for more information please visit our website at www.nampower.com.na

 editorial
Africa and the
Western Media
I
t is well known that the western me-
dia sees Africa through a dark lens.
What can a westerner learn of Africa
from the media? The short answer,
probably, is not much. This is not just a
problem of the electronic era of images
and information moving at dizzying speed.
It goes back to the age of Conrad, of Africa
as the ‘Dark Continent’ and racist tropes of
yesteryear.
Animal Planet
Africa is often represented as largely unpopulated, wide
open savannah, the Kalahari with animals migrating across
the plains. If African people are pictured at all in the western
media, ouside of rebels adorned with bandoliers, they are ru-
ral villagers, with customs and manners of dress which seem
exotic to westerners. The Masai, or more locally, the Himba
and San are a constant source of curiosity to be dissected
and analysed. These ‘primitive cultures’ serve the purpose
of salving western guilt of their treatment of Africa, past and
present, as they advocate for the tribes and mourn the loss
of their way of life. It is a fetishisation, much of the type
you can also see when you go to Swakopmund and see little
To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com
12 CN
By Rob Parker
Himba and San figurines for sale in the windows of certain
curio shops.
Give generously
There is more to this story than just the overt or even latent
racism of westerners; though, to be sure, that is a part of it.
There are economic reasons for the images. Children with
bellies bloated from malnutrition looking forlornly into the
camera some B-rated television personality does a voice
over appealing for funds. Funds which are largely tied up
in administration, salaries and overhead, rather than going
to help the individuals pictured on the screen. This is a busi-
ness, Big Business. World Vision, a Christian NGO, rents a
few hours of afternoon television programming per day in
many western countries pummeling viewers with these im-
ages over and over, to drive for donations. The more shock-
ing the image, the more donations get sent in and as there
are several of these organisations competing with each other
for money, so they also compete with imagery- which is bad
news for Africa- with each of these organisations trying to
out-sensationalise each other in a dash for cash at the ex-
pense of Africa.
The problem with the news
In a certain sense this is the nature of news programming in
the west in general. ‘If it bleeds, it leads’ is a well-known
maxim in the news business. This means that negative sto-
ries get the most prominent play and that media houses are
>>
comparison shopping

also competing with each other for the
most sensational images. When these edi-
tors and journalists think of Africa, they
want stories of coups, of rape, of AIDS, of
cholera and violence and the more despi-
cable the image the more it is coveted and
the more it is viewed and re-viewed.
and for a few months the spotlight that
Children with shone on Africa proved the critics were
mistaken. The upgrades to the airport,
the influx of travelers and construction
bellies bloated of infrastructure were all handled without
major hiccups. The other place that the
western media hurts with their coverage

Accuracy is less important to media in the
west where Africa is concerned. Images
and video from one country are often sub-
stituted for another country. You would
never see Australian images being passed
off as Canada, for example, so why is it
ok to show Kenya on the screen while the
story is about Zimbabwe? Why is it ok to
speak of Africa as one country instead of
a continent?
from malnutrition of Africa is the westerners themselves;
besides the, slightly inexpensive, obser-
vation that being ignorant is not a good
thing, they also miss on the economic op-
looking forlornly portunities here. The racism that allows
Westeners to believe this just is a conti-
nent of coups and plagues keeps them
into the camera from seeing Africa as a viable market, a
place to invest and to visit and allows the
balance of world power to tilt more and
some B-rated more towards the east as the west sleeps.

There was much pessimism in the west

over whether South Africa could host the
sporting event successfully, whether it
could build the infrastructure and organ-
television
ise all the intricate details that come with
hosting such as huge happening such as
the World Cup. Then there was endless personality does a
speculation about whether they could
be ready on time, if they could meet the
deadlines? Afro-pessimism is the name voice over
often used for the phenomenon where
westerners can speculate openly whether
Africans can ‘govern themselves’ or orga-
nise anything.
appealing for
Times are changing
The World Cup success proved them funds.
wrong. The event was a marked success

To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com
CN 13
 Urgent Public Notice
PRESS RELEASE
Urgent Public Notice

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complete broadband services with high-speed service, unlimited as low as N$ 349 per month.

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your lifestyle,
We have broadband solutions that fitthat fit
Government Services
downloads, and much more. Telecom Namibia’s broadband Inter-
net service provides you fast download at varying speeds, so you • Free installation

your lifestyle,
We
can get everything the Internet has to offer, including downloading
• Free first month Internet usage (residential customers only)

have
music, videos, playing online games and doing research.

home, home,
• Free fax-2-email number

broadband
Telecom Namibia provides a range of choices on various fixed
broadband options, both broadband on its own or with an added • Free email address

business
DON’T MISS OUT ON THE EXPOSURE!
service of a home phone line.
• Free voice minutes

DON’T MISS OUT ON THE EXPOSURE!

business
Our broadband Internet service is fast, reliable and affordable. You

solutions
or mobile
can talk and surf at the same time. Our broadband Internet service • Free webspace
offers speeds from 192kbps to up to 8Mbps.
Below are our fixed broadband packages and plans. You can

or mobile
Telecom Namibia wants to make the Internet accessible to choose any plan that suits your pocket. For those customers who
everyone. With our latest freebees, we want to allow our prefer to have this unlimited benefit on mobile broadband, we are
Internet customers to connect without fear. Whatever time they offering it for N$999 with free email.
Kindly be informed that Telecom Namibia is compiling its new
spend connected, they pay less.

Kindly be informed that Telecom Namibia is compiling its new

2009/10 directory. Uncapped Packages 192k 256k 384k 512k 768k 1024k 1536k 2048k
DOWNLOADS
UNLIMITED

2009/10 directory. CPE

1x Data,
2x POTS
1x Data,
2x POTS,
4x Data, 3x POTS,
WIFI, USB, 1x ISDN,
4x Data, 3x POTS,
WIFI, USB, 1x ISDN
4x Data, 3x POTS,
WIFI, USB, 1x
ISDN
4x Data, 3x POTS,
WIFI, USB, 1x
ISDN
4x Data, 2x POTS,
WIFI, USB, 1x ISDN, DECT
4x Data, 2x POTS,
WIFI, USB, 1x ISDN,
DECT

In order to ensure the accuracy of entries in the new directory,

Uncapped Packages 192k 256k 384k 512k 768k 1024k 1536k 2048k
Number of email addresses 1 1 1 1 1 1 1 1
4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 2x POTS,

In order to ensure the accuracy of entries in the new directory,

Web space (MB) 50
1x Data, 50
1x Data, 50POTS,
4x Data, 3x 100POTS,
4x Data, 3x 100 100 200POTS,
4x Data, 2x 200
CPE WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x ISDN,
Fax2Email Numbers 2x POTS
1 2x POTS,
1 WIFI, USB, 1x
1 ISDN, WIFI, USB, 1x
1 ISDN 1 1 WIFI, USB, 1x ISDN,
1 DECT 1
ISDN ISDN DECT

Telecom Namibia requests all Medical Service Providers, as well

Number of Voice/Fax Numbers 1 2 2 2 3 5 5 5
Number of email addresses 1 1 1 1 1 1 1 1
Number of concurrent voice calls 1 1 1 1 2 3 3 3
Web space (MB) 50 50 50 100 100 100 200 200

Telecom Namibia requests all Medical Service Providers, as well

Data Volume Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Fax2Email Numbers 1 1 1 1 1 1 1 1
Uplink (kbps) 128 128 128 192 256 384 512 512

as Government Ministries, Agencies and Departments to provide a

Number of Voice/Fax Numbers 1 2 2 2 3 5 5 5
On-net voice minutes 30 30 30 50 50 50 100 100
Number of concurrent voice calls 1 1 1 1 2 3 3 3

as Government Ministries, Agencies and Departments to provide a

Monthly Charge (12 months) N$ 499 N$ 749 N$ 899 N$ 999 N$ 1,199 N$ 1,449 N$ 1,949 N$ 2,399
Data Volume Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Monthly Charge (24 months) N$ 399 N$ 599 N$ 699 N$ 849 N$ 999 N$ 1,199 N$ 1,649 N$ 2,049
Uplink (kbps) 128 128 128 192 256 384 512 512

correct and complete list of all telephone, facsimile, cellular phone

Monthly Charge (36 months) N$ 349 N$ 549 N$ 649 N$ 749 N$ 949 N$ 1,149 N$ 1,599 N$ 1,949
On-net voice minutes 30 30 30 50 50 50 100 100
Notes: CPE included

correct and complete list of all telephone, facsimile, cellular phone

Monthly Charge (12 months) N$ 499 N$ 749 N$ 899 N$ 999 N$ 1,199 N$ 1,449 N$ 1,949 N$ 2,399
Rates are VAT exclusive
Monthly With WiMAX
Charge (24 only 3 data Ports are
months) N$available
399 N$ 599 N$ 699 N$ 849 N$ 999 N$ 1,199 N$ 1,649 N$ 2,049
Installation charges: N$222 within MRA and N$ 333 outside MRA

entries or any other relevant information they would like printed in

Monthly Charge (36 months) N$ 349 N$ 549 N$ 649 N$ 749 N$ 949 N$ 1,149 N$ 1,599 N$ 1,949

Notes: CPE included

entries or any other relevant information they would like printed in

Rates are VAT exclusive
With WiMAX only 3 data Ports are available
Installation charges: N$222 within MRA and N$ 333 outside MRA

the new directory.

the new directory.
*SME Entry
Uncapped Packages 256k 384k 512k 768k 1024k 1536k 2048k
192k 192k

4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 3x POTS, 4x Data, 2x POTS, 4x Data, 2x POTS, 4x Data, 2x POTS,
1x Data, 4x Data, 3x POTS,
CPE WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x WIFI, USB, 1x ISDN, WIFI, USB, 1x ISDN, WIFI, USB, 1x ISDN,
2x POTS WIFI, USB, 1x ISDN
*SME Entry ISDN ISDN ISDN ISDN DECT DECT DECT
Uncapped Packages 256k 384k 512k 768k 1024k 1536k 2048k
192k 192k
Number of email addresses 2 2 2 2 2 2 2 2 2
Web space (MB) 50 100 4x Data, 3x
100POTS, 4x Data, 3x
100POTS, 4x Data, 3x
100POTS, 4x Data, 3x
100POTS, 4x Data, 2x
200POTS, 4x Data, 2x
200POTS, 4x Data, 2x
200POTS,
1x Data, 4x Data, 3x POTS,
CPE Numbers
Fax2Email 2 2 ISDN WIFI, USB,
2 1x WIFI, USB,
2 1x WIFI, USB,
2 1x WIFI, USB,
2 1x WIFI, USB, 1x
2 ISDN, WIFI, USB, 1x
2 ISDN, WIFI, USB, 1x
2 ISDN,
2x POTS WIFI, USB, 1x
ISDN ISDN ISDN ISDN DECT DECT DECT

Please contact us on or before 20 March on the following numbers:

Number of Voice/Fax Numbers 1 2 2 2 3 3 5 5 5
Number of email addresses 2 2 2 2 2 2 2 2 2
Number of concurrent voice calls 1 1 1 1 2 2 3 3 3
Web space (MB) 50 100 100 100 100 100 200 200 200

Please contact us on or before 20 March on the following numbers:

Data Volume Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited Unlimited
Fax2Email Numbers 2 2 2 2 2 2 2 2 2
Uplink (kbps) 128 128 128 192 256 384 512 768 768
Number of Voice/Fax Numbers 1 2 2 2 3 3 5 5 5
On-net voice minutes 50 60 60 60 60 100 100 100 200

Ms Gille (061) 201 2660

Number of concurrent
Monthly voice
Charge (12 calls
months) 1 649
N$ 1 849
N$ N$1 1,099 N$1 1,349 N$2 1,549 N$2 2,049 N$3 2,549 N$3 3,549 N$3 4,599
Data
Monthly Volume
Charge (24 months) Unlimited
N$ 599 Unlimited
N$ 799 Unlimited
N$ 899 Unlimited
N$ 1,099 Unlimited
N$ 1,349 Unlimited
N$ 1,799 Unlimited
N$ 2,199 Unlimited
N$ 3,099 Unlimited
N$ 3,999

Ms Gille (061) 201 2660

Uplink
Monthly (kbps)
Charge (36 months) 128
N$ 549 128
N$ 699 128
N$ 849 1921,049
N$ 2561,249
N$ 384
N$1,699 5122,149
N$ 7682,999
N$ 7683,949
N$
On-net voice minutes 50 60 60 60 60 100 100 100 200

Ms Mathys (061) 20 12231

Notes: CPE included
Monthly Charge (12VAT
Rates are months)
exclusive N$ 649 N$ 849 N$ 1,099 N$ 1,349 N$ 1,549 N$ 2,049 N$ 2,549 N$ 3,549 N$ 4,599
With WiMAX only 3 data Ports are available

Ms Mathys (061) 20 12231

Monthly Charge (24 months)
Installation N$ 599MRA and N$ 333
charges: N$222 within N$ 799
outside MRA N$ 899 N$ 1,099 N$ 1,349 N$ 1,799 N$ 2,199 N$ 3,099 N$ 3,999
* Free Standard website Template - Monthly charges for web hosting as well as development of websites are charged additionally
Monthly Charge (36 months) N$ 549 N$ 699 N$ 849 N$ 1,049 N$ 1,249 N$1,699 N$ 2,149 N$ 2,999 N$ 3,949

Ms Beukes (061) 201 2451

Notes: CPE included

Msbe
Beukes
assured (061) 201 2451
Rates are VAT exclusive

GET a Telecom Namibia broadband Internet service and for a fast, reliable
With WiMAX only 3 data Ports are available
Installation charges: N$222 within MRA and N$ 333 outside MRA
* Free Standard website Template - Monthly charges for web hosting as well as development of websites are charged additionally

and secure internet experience! Call us now toll free on 1100.

www.telecom.na
 editorial

Our Service Problem. Is

There Hope for Us?
By Jon Allen

I
n preparation of this issue’s article I wanted
to be positive and motivating, but some re-
cent negative experiences have left me tem-
porarily sombre.

Mugg and Bean Maerua Mall, do not put bagels

on the menu if you are unable to stock it. ‘Eggs
benedict’ with normal bread toast, IS NOT ‘Eggs
benedict’. This should have a different name.
Also, you shouldn’t be filling the Mrs Balls chut-
ney bottles with cheap bulk catering replacement
chutney. Surely that can’t be legal? I think that’s
enough…we won’t go to the tardiness of the gen-
eral service recently. Perhaps next time.

Ster Kinekor, I am quite confident that I speak for

many when I say that we are tired of inferior qual-
ity. It is 2010. We are quite a sophisticated mar-
ket. Why can we not have the best in picture and quo. It’s no menial task, this crusade. Speak to me.
sound quality? Please take some of the exorbitant Join us. Share with us your thoughts and ideas. Let us
profit made from your pop-corn sales (for which make use of this platform offered by Consumer News
you ran out of salt on Saturday 17 July, at 17h15) to engage in discussion about our service problems and
and upgrade the quality of your total offering – let us be solutions-oriented, offering ideas for improve-
product as well as service. ment and long-term quality upliftment.
Is there any hope for our efforts at trying to uplift
the quality of service in the country? I have been
forced to ask myself daily since our last issue? The
answer quite simply, is…YES. We don’t have a
choice! If we lose hope, then those who ARE at-
tempting to uplift the quality; their efforts are lost.
And we cannot allow that to happen. There was
some light in my life, though. I had some very
enriching service experiences too.

Thank you to Bibi’s Halaal in Khomasdal, for

consistently offering outstanding customer ser-
vice. Perhaps we can approach you to share with Creating Opportunity, Changing the
our readers the secrets of your service offering in Face of Customer Service
the next issue?

Thank you too, to the team at Auas Game Lodge,

just outside Windhoek to the south, for a reminder Contact:
that great teamwork does result in excellent ser- Jon Allen
vice output. It was a pleasure visiting your estab- t: +264 61 400 910
lishment recently.
f: +264 61 400 912
Thank you both for reminding me why we’re in c: +264 81 448 6032
this fight to change the customer service status e: csinstitute@iway.na
Jon Allen

To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com
16 CN
 editorial

Know your rights Founder: Bob Ziekenoppasser

Interview – Bob Ziekenoppasser: Consumer rights need to be secured in Final words

Namibia It is the responsibility of consumers to organise themselves into powerful groups

T
he Namibian consumer is trapped in many ways on a daily basis through
counterfeit goods, credit agreements, quality and warranties on goods,
debt collecting, advertising with no form of recourse on the ground. With
that in mind, NCL was founded to defend consumers’ rights through the
provision of an advocacy platform that would make consumers’ voices heard,
raise awareness of their rights, build consumer’s ability to claim their rights
and make markets accountable and more responsive to consumer’s needs and
interests. Bob Ziekenoppasser is the founder of the Namibian Consumer Lobby.
A brief history and background of NCL
The Namibian Consumer Lobby has its origins deeply rooted in a great and
noble cause of protecting and empowering the consumers by monitoring product
quality and service to ensure total adherence to reasonably accepted standards.
The organisation justifiably stemmed from the need to watch against profiteering
at the expense of the consumer. It all began in 1988 when the first positive steps
were taken to institute the formation of the vigilant consumer activists, which
was aimed at meeting protective needs of the consumer and produce better
understanding between producers and consumers. The present day Namibian
Consumer Lobby (NCL) has expanded and restructured its policies to meet the
needs of today’s consumers.
The vision of NCL
To spearhead consumers’ rights through sustainable consumer awareness and
protection in the country.
What are main objectives of Namibian Consumer Lobby
- To lobby and advocate for effective consumer protection, legislation confident choices about goods and services while being aware of
and policies
- To improve consumer rights awareness through education, • The right to healthy and sustainable environment
communication and advice
- To provide research-based and focused services and information
- To increase the membership-base and focused services and
information
- To upgrade the human resource skills base through relevant in-house
and external training
- To improve the revenue base through targeted fund raising and
related activities
and develop the strength and influence to protect and promote their interests.
Consumer rights defined
A framework of eight basic rights has been developed over the years to protect
consumer welfare. These form the basis of legislation and advocacy worldwide.
Every year on March 15, groups use World Consumer Rights Day to advocate
these principles.
• The right to the satisfaction of basic needs:
To have access to basic, essential goods and services, adequate
and nutritious food, clothing, shelter, health care, education and
sanitation.
• The right to safety
To be protected against products, production processes and services
that are hazardous to health or life.
• The right to be informed
To be given the facts needed to make an informed choice and to be
protected against dishonest or misleading advertising and labeling.
• The right to choose
To be able to select from a range of products and services offered at
competitive prices with an assurance of satisfactory quality.
• The right to redress
To receive a fair settlement of just claims, including compensation
for misrepresentation, shoddy goods or unsatisfactory services.
• The right to consumer education
To acquire the knowledge and skills needed to make informed,
basic consumer rights and responsibilities and how to act on them.
To live and work in an environment that is non-threatening to the
well-being of present and future generations.

What are the functions and services of the Namibian Consumer Lobby

Lobby and advocacy

NCL provides a platform for consumer input into policies that are put in place by
the government and other authorities.
It strives to ensure that terms enacted in lobbying and advocacy are fair to the
consumer, thereby creating fair trading practices.
Complaints
The NCL handles a wide range of complaints between consumers and traders
with a view to ascertain amicable solutions to the interest of all parties involved.
Monitoring the price trends through shopping basket surveys and advising
consumers accordingly. Advocating for favourable price structures on basic
commodities, with the government and producers.

Education
The organisation plays a pivotal role in educating consumers on their rights
and responsibilities, it disseminates information through print media, electronic
media, panel discussions, workshops, seminars and meetings. We monitor the
quality of goods and services available to the public. Advise, educate and inform
consumers on their rights.

Referral services
The organisation also plays a pivotal role in referring consumers to the right
places were they can be assisted. This is done for areas which do not fall into the
organisation’s jurisdiction.

Advice and counseling CONTACT

The organisation gives advice and to some extent, counseling on a number of
cases as well as monitoring unethical advertising techniques. Bob Ziekenoppasser
Create a strong stakeholder base, grouping them into segments thus making them
activists in lobbying and advocacy. t: +264 64 461 461
What is the status of Consumer protection and the Namibian Law c: +264 81 284 8000
There is no single statute that deals exclusively with matters pertaining to
consumer protection. There is a mixture of wide ranging statutes dealing with NAMIBIAN CONSUMER LOBBY
specific issues and the common law as its pertains to guarantees and warranties.
Most of the legislation on given issues fall under the domain of specific line
ministries i.e Agriculture and Trade and Industry.

To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com
CN 17
 feature
A consumer’s experience
in Chinatown
t is Saturday afternoon at Windhoek’s bustling
I
China Town complex. A few customers are still
rushing to get inside the security gates, much
like at any random shop when closing time is
just announced. Entering one of the many trinket
shops on the premises, Consumer News grabs a
pack of dolls laying in a basket marked at N$10. A
bargain, given that we’re looking at a mother doll
and her two proportionally smaller daughters with
accessories. The shop owner, a middle-aged Chi-
nese man is sharing a joke with his female Namib-
ian employee. He moves in behind the till as he sees
the pending sale.
He takes the N$20 note handed to him, and fiddles with the cash reg-
ister until it pops open. “Receipt please?”, he is reminded as he hands
over the change, and laughs at his obvious forgetfulness.
He tears off the slip, squints at it quickly, and grabs a pen on the coun-
ter to scribble a few notes before he hands it over with a smile. It’s all
there - the price of the goods, the amount tendered and the change he
owed, in blue pen over an inkless print-out.
Chinese businesses in Namibia and controversy have seemingly gone
hand-in-hand since their very entry into the local market. If not for
the quality of the often cheap and bootleg versions of internation-
al brands sold at complexes such as China Town and corner shops
across the country, then for reported short-cuts in service provision,
of rude behaviour towards their clientele, and in some cases even
because of police raids that have uncovered everything from pirated
20 CN
By Raymond Isaac
DVDs to fake washing powder and cigarettes.
As current as May this year, former Veterans Affairs minister Ngari-
kutuke Tjiriange went on a public tirade in a local weekly over an
apparent argument with security guards at China Town’s gates. They
had apparently refused to let him drive his car onto the premises to
load some items he’d bought from there. The retired former minis-
ter said he’d wanted to lay a complaint with an authority figure at
the complex, but could find no official channel to vent to, leading
to strong words of ‘our own people being paid by the Chinese to
harass us’. Are all these complaints just an indication of Namibians’
intolerance for outsiders? A xenophobic culture specifically targeting
Chinese nationals? Is resentment brewing in many parts of the SADC
region, as suggested by human rights watchdogs like the National
Society for Human Rights (NSHR)’s director Phil ya Nangoloh?
After all, it has long been held that, and confirmed in a 2008 Poly-
technic of Namibia (Public Management Department) study, that
Chinese shops cater for a section of the public not often kept in mind
by pricier western chains. And that Chinese construction companies,
another thorn in the flesh for local competitors, often tender 15 to 20
per cent lower than local companies, while further slashing prices by
importing construction material like steel for cheaper from China.
Or is all this indication of a need for stronger regulations to keep
Chinese businesses, the majority of whom don’t have any agreements
with trade unions, in check and in line with global consumer stan-
dards? “Relations are improving. Obviously there have been some
instances of traders being rude to customers and the customers have
fought back with the law so to speak,” says Bruce Lee, whose family
are the landlords of China Town in Windhoek.
He notes that, while a contact with the Chinese Chamber of Com-
merce referred the magazine to him, the family in fact has no busi-
ness ties with their tenants as is often assumed by complainants
>>
 There are trained officers at Customs who check
that counterfeits don’t seep into the country, but
our capacity to act is very limited.

against some of the traders. “As long as they’re not giving us trouble,
we don’t bother them,” he says, adding that even his family has had
heated arguments with some of the traders when buying from them.
Nevertheless, Lee insists Namibians should look at the cultural as-
pects that brought many of these Chinese traders to Namibia in the
first place, as well as the current trend when considering solutions.
“There’s a misconception that most Chinese who come to Namibia
reside in Windhoek. That’s not the case. In fact, many of our ten-
ants have started to move out and now live around Oshikango (near
the Angolan border). That’s actually where the biggest concentration
of Chinese in Namibia is currently,” he says. This is explained by
the more preferred trade in US dollars at the border and specifically
with Angolan nationals, as well as increased investment in Namibia’s
northern border since its emergence from civil war in 2002. One ex-
ample is the Chinese Exim Bank’s approval in 2004 of a N$2 billion
line of credit to Angola to rebuild its infrastructure, and which has had
the added spin-off of buildings housing and more Chinese businesses
in that part of the country and further up north.
in Beijing, renowned for battles with intellectual property defend-
ers. Asked about Namibia’s stance on the sale of counterfeit goods,
Edward Kamboua, Under Secretary for Trade and Commerce in the
Trade ministry, was adamant it is not condoned. Namibia has a num-
ber of own laws, and is also signatory to a number of international
protocols which outlaw counterfeits such as is being sold at the China
shops, he says.
“But the trouble is in enforcing these laws. There are trained officers
at Customs who check that counterfeits don’t seep into the country,
but our capacity to act is very limited. Of course, anyone who takes
offense against such counterfeit goods, like the registered trademark
holder, is welcome to sue in order to get compensation,” he says.
Another problem for authorities, he says, is that sometimes the coun-
terfeit goods appear to be produced inside of the country’s borders,
making searches at the border ineffective and warranting raids.

“Many of our tenants are from the same part of China, from (the
city of) Fujin, and as such look out for one another while being very Your Number One Department Store
closed off from everyone else,” Lee says further. “I do think relations
have improved with time though, especially between the owners and
employees,” he says noting to some of the complaints raised in the
past, including ill treatment of workers and workers being paid below
minimum wage rates. Attempts to gain comment from the Chinese
Chamber of Commerce on what channels of recourse customers to
Chinese businesses have when confronted with bad service, or when
trying to return goods found to be non-satisfactory, were unsuccess-
ful. Consumer News sent questions to spokesperson Angela Feng, but
after a week of waiting on a reply, she said the chamber would not
have time to respond.

Lies or Levi’s?
Besides the service complaints, Chinese retail businesses are also
notorious for stocking knock-offs of big international retail brands. Opening Hours
When the Consumer News visited China Town recently, we found
ample examples - ranging from Levi’s and Nike jeans and sneakers Mon - Fri / 08:00 - 17:30
to Diesel, Ray-Ban and Gucci sunglasses priced at N$20 each. Adi- Sat / 08:00 - 13:00
das and Puma track suits are also on proud display at about N$100 a Sun / 09:00 - 13:00
piece, among others. Internationally, the Organisation for Economic
Cooperation and Development (OECD) have it that the share of coun-
terfeit and pirated goods in world trade stands at 1.95 per cent, or a adriane@weckevoigts.com.na
figure of U$ 250 billion. Locally though, accurate statistics on not
Wecke & Voigts (Pty) Ltd
only counterfeit goods, but Chinese investment overall are not avail-
able. Most China shops operating in the country are owned and run by Gustav Voigts Centre
private business people, and, according to a study done by the Labour Independence Avenue
Resource and Research Centre (LaRRI), many are not registered with Fax: (061) 224 982
the Ministry of Trade and Industry.

“Some set up their shops after obtaining a work permit for Namibia
and have little contact with the Chinese Embassy, which does not
encourage the setting up of small Chinese shops as they have little
impact on employment creation,” the study reads. TEL+264 61 377 000

These traders usually buy from China, either from large wholesalers THE ORIGINAL LEVI AVAILABLE AT WECKE & VOIGTS.

or directly from factories there, including the notorious Silk Street

To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com
CN 21
 FNB Consumer Watch!

CruelCopycats

IN THE NEW BUSINESS REALITY YOU NEED A BANK
THAT GIVES YOU MORE
Cyber fraud is on the increase – and online banking users
are its prime focus.
FNB Namibia warns customers to be vigilant about 'Phishing'
scams. “Phishing is a form of fraud where criminals attempt to
access your confidential information. This is done via an email
request, by luring customers to a fake website or by infecting their
personal computers with criminal software.
A typical example:
From: First National Bank <incontact.customer@fnb.co.za>
a clear representative's name would be given
Date: April 3, 2010 6:03:40 PM GMT+02:00
To: aticraft@iway.na
Subject: FNB :-) Account Reference: (0x3d.0x38.0x4e.0xcf)...
Reply-To: First National Bank <incontact.customer@fnb.co.za>
Dear Value Customer: We offer personalized service and
make it a point to know our client's names
Following a request we received online, by
phone or at a FNB branch ??
We Therefore has placed your account on
restricted access.
Thanks for banking with us
grammatical and text spacing errors must instantly
ring warning bells!
IMPORTANT
Be aware of the “PROCEED” link that you our customers need to
check as this link diverts you to the “Phishing site” which is
different from the real/valid site.
When a link appears hold your “mouse device” over this
link and you will notice a totally different site than that of the valid
bank site.
NOTE
Fraud attempts of this sort are only successful once online
banking users respond to the (typically) email messages as
illustrated above and thereby compromise their sensitive
information in the process.
We constantly introduce new security measures that are aimed at
curbing the threat of “identity theft”. We however still advises that
to further counter these threats, our customers should not to
interact with the sender of the email.
“We are a reputable and responsible financial service provider
and we adopted 'zero tolerance' to fraud and crime in our
business”.

Due to wrong information provided during If you suspect that your confidential information has been
interrogation we had all rights to believe compromised, don't hesitate to immediately contact our 24 hour
that your account has been authorized by a fraud line at (061) 299 7266 for assistance – do not wait a minute
third-party user. longer.
In other to protect you which is our utmost
concern we have blocked your account.
Click On Proceed to FNB Online to retrieve
and unlock

[*PROCEED*]

Failure to secure your online account with

FNB online Banking security,
will lead to suspension of your account.
This will never happen; WE do not issue threats to its
clientele

Account Reference: (0x3d.0x38.0x4e.0xcf)

 Media Statement

FNB NAMIBIA offers innovative free online security

O
ngoing email scams such as phishing remain a
problem for all internet and online banking users. In
the past, FNB Namibia has sought to address this
issue with customer education and to offer protection with
behind-the-scenes software.
The problem will always remain that should an online banking
customer give away their user names, logon codes and other
information, they will expose themselves to fraud. The number of
customers who do this is relatively small and we can see that
education drives by FNB, other industry groups and other banks
have achieved a great deal.
We have, however, noted the early signs of a new and more
important threat. Malware designed to steal a user's confidential
banking information may be embedded in unsolicited email and
may be triggered by simply opening an email. In addition,
malware may also be hidden on websites.
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 editorial
VultureCapitalists
H
ow does commodity speculation in New York and
London affect us here in Windhoek or Oshakati?
Does the deregulation of financial services in the
west contribute to the high cost of maize meal? In
the past decade we have seen many major bubbles
caused by speculators and heinous investment banks such as Gold-
man Sachs; The real estate, the internet, oil and the mortgage bub-
bles.
All of these bubbles have their root in the deregulation of the fi-
nancial services industry, in other words, removing all the rules.
Investment banks, for example, were able to leverage themselves
in ways never previously possible. Many did not have the assets to
back up the money they lent out, some were leveraged 33 to 1 as
the ratio of their liabilities to their assets. Simple common sense
will tell you that this is a bad idea, but this is what happens when
fundamentalism meets logic. Logic loses. The mortgage bubble il-
lustrates this very well.
Banks had always been careful whom they allowed to take out a
mortgage and the mortgage market had always included checks and
balances. These were basic underwriting procedures that were for
the protection of everyone, you had to produce a down payment of
10 percent or more, show a steady income and good credit rating,
and possess a real first and last name. This was so that banks would
not be stuck with bad loans on their own books. The advent of
CDOs, collateralised debt obligations meant that those mortgages
could now be chopped up into bits and repackaged as investment
vehicles. This opened the doors to rampant abuse, as the banks and
mortgage companies had someone further down the line to pass on
their dodgy mortgages to. Companies like Goldman Sachs went
further than just selling toxic mortgages to unsuspecting ‘clients’.
They also bet against those same mortgages to fail. Goldman was
selling products they knew were defective and then betting against
them. This is at the very heart of securities fraud.
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26 CN
By Rob Parker
So now, with this no-rules casino capitalism, there was a situation
where mortgages were being pushed on people who could not pos-
sibly afford to pay for them, who having always been told that real
estate is a sound investment, jumped at the chance to own a home.
These ‘toxic mortgages’ were pushed by firms with zero ethics
such as Countrywide, and then packaged into investment vehicles
called CDO’s. Investors were sold on the idea that, because some
of the mortgages were above board - there was no reason to fret
about the sketchy ones and thus bound-to-fail garbage loans were
sold as AAA-rated investments. Goldman used AIG to insure these
toxic funds which, fully aware, knew these were bound to fail. This
was to the detriment and eventual downfall of AIG. So Goldman
made money both when selling the crap mortgages and collecting
the insurance when the funds inevitably imploded, taking a good
chunk of the economy with it. Those debts from AIG were eventu-
ally paid to Goldman by the taxpayer at 100 cents on the dollar.
By the second term of silver spoon trust fund baby-cum cowboy
George Walker Bush, Wall Street, led by business crimminals
such as AIG, Lehman Brothers, Bear Sterns and Goldman Sachs,
were no longer involved in things like investing in legitimate busi-
nesses or contributing to an actual economy or, say, employment;
they were too busy creating new asset-stripping scams and ponzi
schemes, and generally doing their level best to eradicate the mid-
dle class. Innovations like credit default swaps and collateralised
debt obligations were invented to create revenue streams where
none existed and since the, once famed, American manufacturing
sector was shipped off to China and Mexico in search of nimble-
fingered children in sweatshops, it was one final way for the al-
ready affluent to bleed the rest of us. The effects of the mortgage
bubble were huge and this soon spiralled further out into the global
economy. Titans such as Bear Sterns, AIG and Lehman Brothers
were among the casualties when the bubble finally burst. These
giants took with them the portfolios of millions of Americans, pen-
sion funds, teachers’ unions retirements and wiping out jobs across
the country.
 Commodity bubble
After the real estate, the Internet and the mortgage bubbles burst,
Wall Street, with Goldman Sachs once again at the center of the
action, wasted little time in moving on to their next abomination
which was commodity speculation. After having blown up these
markets, there was precious little left to speculate on so they
moved on to actual physical commodities.
The commodities market was originally created to help farmers;
it ensured he could sell his crops by allowing him to make a con-
tract to sell his produce for a certain price in the future. A middle-
man could store the grain and sell it later, ensuring there was a
place where the farmer could always sell his goods. The CFTC
(The Commodity Future Trading Commission) was created. This
functioning system changed in 1991 when a subsidiary of Gold-
man Sachs, J.Aron, lobbied regulators fort an exemption because,
kamma, speculators need protection too. As a result of the heady
Ayn Rand-ism of the time this specious argument gained some
traction and fifty years of stability vanished overnight. The law
was originally intended to protect farmers against exactly this kind
of speculation, but this singular piece of sanity in the regulatory
framework was also tossed, opening the door to manipulation and
speculation of commodities once again.
Do you remember when the price of petrol suddenly began to rise
and then kept going and going? A barrel of oil was being traded as
many as 27 times before it was finally sold and any relationship to
actual oil had been severed.
“By the summer of 2008, in fact, commodities speculators had
bought and stockpiled enough oil futures to fill 1.1 billion bar-
rels of crude, which meant that speculators owned more future
oil on paper than there was real, physical oil stored in all of the
country’s commercial storage tanks and the Strategic Petroleum
Reserve combined.” Matt Taibbi, The Great American Bubble
Machine, Rolling Stone. Price had nothing to do with supply and
demand. You would have never known this watching the politi-
cians in America respond to the crisis, the decrepit John McCain
and moose-hunting moron Sarah Palin went around, chanting ‘drill
baby drill’, as if drilling new wells in the gulf of Mexico would
bring any new supply online within years, as if oil supply had even
decreased, as if this wasn’t just another Republican sop to the oil
companies or consider the equally useless response of, then candi-
date, Barack Obama who touted hybrid cars as the answer to
To comment on this article sms ‘CN’ and your comment to 1111 or email us at: info@consumernewsnamibia.com
unchecked Wall Street speculation (keeping in mind of course that
if his opponents had won the election, America would be carpet-
bombing Canada right now and would be using shiny buttons as
currency) .
How does this trickle down to Africa.
Suddenly, if you are Joe teacher or Jane doctor in the USA and
your pension fund has been wiped out overnight by a few dozen
lantern-jawed alpha males in Italian loafers and headsets, that Af-
rican safari holiday you were planning gets put on the back burner
and seems unaffordable now. In times of uncertainty, people invest
in things with intrinsic value, potatoes and maybe some oonyama,
but a car or house will be the extent of investments. Suddenly a
diamond becomes just a stone from the ground or a stage name
for a stripper.
All of this hurts Namibia as foreign exchange dries up and sud-
denly large companies start laying people off, tourism operators
go quiet, taxi drivers struggle to make their daily coin, hotels are
empty, others start slashing their advertising budgets and everyone
from media outlets on down the line start to feel the crunch. When
the white man from that side comes to rob you, eish, let’s just say;
he is not the kind of guy who will let you keep your sim card.
The mainstream media in the U.S. is hopelessly inadequate in
conveying anything more complex than a sub-plot on Shades of
Sin, especially when one recalls the tea-cup rattling fear that ac-
companies the thought they may miss an opportunity to polish the
cojones of the Barons of Short Selling with padded questions and
a sympathetic ear. Sycophants like CNBC and The Economist are
busy doing linguistic back-flips trying to pin the blame on the poor
shmuck who bought a home, which will shortly be foreclosed upon
by their buddies at the bank, while forgetting that they have been
the cheerleaders for deregulation all along.
The cause of this nightmare is simple: Pure unfettered capitalism.
I am not trying to be all Karl Marx here but capitalism needs rules
and regulation. Decency, Tsotsi, decency. The average consumer
needs some protection to the voracious appetite of the super-rich
who want to own…Everything…ever. And in the immortal words
of Thomas Hobbes, without the state to intervene against the pow-
erful life would be “solitary, poore, nasty, brutish, and short.”
*Source material: Matt Taibbi, Elliot Spitzer, CNBC, Zero Hedge,
The Economist.
CN 27
 Understanding the MVA Fund
What is the MVA Fund? What can be claimed for?

The Motor Vehicle Accident Fund (MVA Fund) is a statutory body
established to design, develop, promote and implement motor
vehicle accident and injury prevention measures. The Fund provides
assistance and benefits to all people injured and dependants of those
killed in motor vehicle accidents in accordance with the MVA Fund
Act 10 of 2007.
What is the process of reporting motor vehicle accidents?
All motor vehicle accidents should be reported via the MVA Fund
Accident Response Number, which is 0819682.
How does the Fund respond to motor vehicle accidents?
Upon the Fund’s call centre receiving a report of a motor vehicle
accident, the Fund will take reasonable steps to ensure that:
• An ambulance is dispatched to the accident scene without respect of any person who died in a motor vehicle accident on
delay.
• The injured person or persons are conveyed to a hospital or
other medical treatment facility.
• The injured person or persons are stabilized and out of The Fund pays out Loss of Income to the value to N$ 100 000.00
immediate danger before determining liability.
Can foreigners claim from the Fund?
Any person who is in Namibia in accordance with a valid permit
under the Immigration Control Act, and Section 14 of the Namibia
Refugees Act, is limited to providing medical treatment and injury
management for the period such person is in Namibia.
In respect of a person killed in a motor vehicle accident and who is
not granted right of residence in Namibia or either has the right to
remain in Namibia in accordance with the Namibia Refugees Act,
assistance is limited to providing the funeral benefit of N$ 7500.00.
The following benefits may be claimed for:
• Medical Benefits:
Any person involved in a motor vehicle accident is entitled to an
undertaking amounting to N$ 1,500,000.00 which provides for
medical treatment, injury management, rehabilitation and life
enhancement. Please take note that any payments made by the
Fund in respect of treatment will be paid directly to the
service provider.
• Injury grant
The Fund provides an injury grant of up to the value of N$100
000.00. This is a cash grant that serves as compensation for
injury in respect of any one injured person.
• Funeral Grant
The Fund pays a funeral benefit to the value of N$ 7500.00 in
Namibian roads.
• Loss of Income
per year in respect of any one injured person where there is
proof that the person paid income tax for the year prior to
the injury or for most of a five year period immediately preced
ing the injury.
• Loss of support
Loss of Support may be claimed by a depended of a deceased
in the case where there is proof that the deceased paid tax
on income for the tax year preceding the injury or a five year pe
riod immediately preceding death, to a share calculated on in
come assured to be no more than N$ 100 000.00 per annum – in
all other cases, a share calculated on income assumed to be no
more than the amount set as a tax threshold per annum.

MVA Fund Service Centre Ongwediva MVA Fund Service Centre Windhoek MVA Fund Service Centre Rundu
ERF: 6325, 6326, P.O. BOX 3669 8495 Church Street, P.O. BOX 25158, Eugene Kakukuru Road, North Gate Building, Shop No.11
Tel: +264 65 234 060/1, Fax: +264 65 231 613 Tel: +264 61 289 7000, Fax: +264 61 241142 P.O. BOX 899, Tel: +264 66 255 826, Fax: +264 66 256 859
Visit our website: www.mvafund.com.na
entertainment

“The idea is broad. We

H
want to preserve and
educate people about
indigegeous fashion and
culture”
explains Ringo

Photograph: Leitago Narib

HIMBA Ms.Tendai Karonga
Independent Media Professional

Behind The Mix

"Well, one of our objectives for the event was to blend cultural and modern ele-
ments. If you look at the Himba themselves you can see that their culture does
not remain stagnant. There is a large copper bracelet that women wear only
after menopause. Generations back that was not the case - culture evolves."

In The Beginning
This story began in 2007, in the minds of two University of Namibia gradu-
ates by the names of Rhingo Mutamba and Jonathan Swartz. Although
Pambili, well-known local fashion gurus, helped them polish up the idea
for "Himba in the Mix", for two years the struggle of realising their dream
ensued: "sponsors want to sponsor existing projects," explains Rhingo in
a functionary conference room with plush black leather chairs, "we lacked
that. You submit your proposal and people reject it or just keep quiet."
Luckily, a friend told them that the National Arts Council was sponsoring
different artists and they applied. They were able to secure half the funds
needed and the rest, as well as various other forms of assistance, came
from the Franco Namibian Cultural Centre. They had a place to rehearse
and they also managed to engage up-and-coming designers; and with all
this, inspired them to put together a very unique show.
The Journey
Once the funding was secured, word reached many designers. The ones
whose sketches were approved had a few meetings where they were told
about the show and exhibition concept. "We prepared a powerpoint pre-
sentation for the designers to give them some background on the Himba"
says Rhingo. "We [the designers] didn't know a lot about Himba culture,"
said Nicoline, one of the event's designers, "so they gave us inspiration.
We drew sketches and took them back to them so we could see if we
were on the right track." In addition, the designers were given materials to
work with as well as extra cash to source whatever else they needed for
their individual designs. For Nicoline and Meresia the event has been a
blessing. "Seeing the models on the catwalk wearing my creations and for
me receiving recognition for my work, was the best feeling ever!" exclaims
Meresia. The two designers, who are business partners, appreciated the
media coverage and exposure they have been receiving. In fact, they had
both received some media attention prior to this, but " not like this. This has
been overwhelming." I am assured by both ladies.
Evolving Culture
"The idea is broad. We want to preserve and educate people about in-
digenous fashion and culture", explains Rhingo in response to what the
inspiration behind the event was. I was curious to know, considering the
gap between modern fashion trends which tends to be dominated by West-
ern influence. And indigenous fashion is quite large; not to mention that,
especially on our continent, fashion has not so much to do with fabric as
it is with jewellery, body paint, tribal markings and ornamental hairstyling.
In today's world, how could the two be bridged without the loss of culture?
"Well, one of our objectives for the event was to blend cultural and mod-
ern elements. If you look at the Himba themselves you can see that their
culture does not remain stagnant. There is a large copper bracelet that
women wear only after menopause. Generations back that was not the
case - culture evolves." And he is right. Culture is a fluid concept that tends
to reflect what members of a society hold true at the time. Besides, in the
last decade we have witnessed an explosion of African fashion all over the
continent with world-class labels like Jewel By Lisa and Tiffany Amber (Ni-
geria), and talented designers like David Tlale (South Africa) and Mustafa
Hassanali (Tanzania). Why not promote unknown talent in Namibia to help
redefine and re-examine culture and create pride and a new understanding
for younger generations? "From the coverage and interest we received, it
is clear that the event spoke to many Namibians. It has tickled their fancy."
He says with a smile.
Fashion Forward
At present our fashion industry is quite small. A unique event like this struck
a chord because every aspect of it was home-grown. "A lot of information
went out and hopefully many a consumer got word. The response helped
us see that it had an impact." Indeed it helped to highlight culture and the
fact that there is unsung talent; and with continued support, great things
can be achieved. In fact, as fate would have it, a German crew filming
in Namibia got wind of the event and recorded the whole process from
rehearsals to the final show. With all the local coverage, positive response
from Namibians abroad and the footage captured by the German crew,
there has to be more to come. What is next? I ask. "It is part of our plan
to make this a reoccurring event", enthuses Rhingo. "The sponsors were
impressed and now other organisations want to work with us. We want to
create a brand." What is to stop them? After all, they are contributing to
the developing of Namibia's image in a way. "We want to make it bigger."
Concludes Rhingo and I have a good feeling they will.
See more pictures and extras on consumernewsnamibia.com

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CN 31
 Boxing

By Staff Reporter

NAMIBIAN BOXING COMES OF AGE

NAMIBIA is patiently but confidently producing boxers who have the potential to become
world champions in the near future. This has been demonstrated in recent performances
by some boxers who are already occupying African titles and are slowly moving up the
world boxing rankings in the different categories. They all want a shot at the biggest title
of them all - the world title and it will just be a matter of time.
The recent performance by Namibian bantamweight pugilist, Paulus 'The Rock'
Ambunda, who dismissed his South African counterpart, Klaas Mbuyane on points in
their continental battle a few weeks ago, is one of the boxers destined for the big time.
He is now ranked in the top 10 on the World Boxing Organisation (WBO) rankings and
is eligible for a world title. If a boxer is ranked in the top 10, he is eligible to challenge
for the world title against the champion who is ranked number one and Ambunda seem
to have what it takes to do just that.
Testimony is that Ambunda holds the WBO bantamweight African title and is undefeated
in 13 pro-fights. That is a prolific record for the man who serves as a police officer
and has never thought of boxing since his childhood and only joined the sport at the
age of 20. He defended the title twice thus far and hopes to get a bigger chance than
fighting his African opponents, who are just no match for him. Ambunda (29) is a clinical
campaigner and his height does not stop him from taking out even the biggest and
tallest of characters. His trainer and boxing promoter, Nestor Tobias, said that Ambunda
was now ready for the world title. " His record in the pro ranks does not speak volumes
as many think that he lacks experience, but I am very sure that he is ready for the world
title. He has done a lot of rounds in the amateur ranks and that is a plus point for him"
Tobias told Consumer News.
Ambunda has fought just over 250 matches in the amateur ranks and has represented
his country on all levels before he turned pro under the guidence of Nestor Sunshine
Boxing and Fitness Academy.Tobias believes that Ambunda is one of his secret
weapons to claim a world title in the next year or so, but he also boast with other credible
names in his stable. His middleweight campaigner, Vikapita Meroro is another prospect
who is destined for greater heights after he also dispatched a Russian opponent in
always serves as another attraction for the fans whenever he fights. He is known for his
powerful punches that can send any opponent to the canvas when given the chance.
Meroro, who appeared rather shy and reserved in entering the pro-ranks has now
gained a lot of confidence and that is evident in the manner he moves around the ring
and the well-calculated punches which he lands. Meroro is known as the 'Beast Master'
in the ring and that has clearly been demonstrated by often ruthless displays he puts up
even if he finds himself under pressure.
Betuel 'Tyson' Uushona is also another celebrated Namibian fighter who does duty
in the welterweight category. He is currently the WBO Pan African and WBA African
welterweight champion and is ranked number eight in the world. The stocky Uushona
has proven that he can do the job in the ring despite many seeing him as an introvert
when he is not at office - in this case the ring.He is known for quick combinations and
many opponents who squared up against him in the past were floored via multiple blows
as his pace is just too superior. He is undefeated in 21 fights. Another big prospect to
make it far is Immanuel Naindjala, who is also known as the 'Prince' of Namibian boxing.
The youngster has won all of his six fights in the paid ranks and it looks unlikely that
he will put his foot wrong in the subsequent fights. He won his last bout against Alfred
Kashiri of Zimbabwe to extend his prolific record as one of the youngest Namibian
fighters at the age of 24. He will, according to Tobias, have his chance to vie for the
world title when the time is right. "For now, he will need to build on his record. We need
a bit more experience and confidence from him. He already has the killer instinct and
the right attitude. It will just be a matter of time before he makes a name for himself on
the international stage," said Tobias.
All these promising fighters and prospective world title contenders follow in the
footsteps of Namibia's current prime boxer, Paulus 'The Hitman' Moses and former
super middleweight world champion Harry Simon. Despite losing the title to Miquel
Acosta of Venezuela in their fight in Windhoek earlier this year, Moses is still Namibia's
most-prized asset in this discipline and is expected to make a come-back to reclaim his
World Boxing Association (WBA) Lightweight world title.
With that, a new generation of fighters are lining up for world titles and it is just a matter

a non-title fight in Germany recently. The muscular but extremely tactical Meroro will of time. << CN

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