GlowwBox Collaboration with Palmer’s 175th Anniversary

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GlowwBox has announced that they will be collaborating with Palmer’s to release a Palmer’s Special Edition this 4th of July!

I’m so excited that Palmer’s has chosen to include GlowwBox in its 175th anniversary this year. Palmer’s has been in skincare since 1840, one of the longest standing manufacturers of skin and hair care products in the United States. It has been available in the U.K. for over thirty years

It seems that I’m getting sentimental a lot, but I remember when I first blogged about GlowwBox here, over two years ago now, and to see how far they’ve come has brought tears to my eyes.

GlowwBox founder, Jason Cameron said this regarding what drives him to continue his work for us black beauties;

“Part of our vision is to inspire beauty brands to release more products suitable for women with darker skin tones.”

GlowwBox subscribers will be able to try 7 products from the Palmer’s range with 4 – 5 being full sized.

Zahira Beddou, Brand Manager of Palmer’s UK, shares similar sentiments as Jason Cameron. She said;

“In celebration of our anniversary, we are delighted to collaborate with GlowwBox in the July Edition. GlowwBox recognizes the challenges that women with darker skin tones have in finding suitable beauty products and we are happy to support GlowwBox in helping them in their search.”

It’s great to see a change in the beauty industry regarding black beauty.

The GlowwBox + Palmer’s Special Edition will go on sale on 4th July 2015, with only a limited amount available and can be purchased when you join GlowwBox for the usual price of £15 + P&P per month on their website.

If you do get a box do let us know what you think of them in the comments below. So you’ll definitely have to come back in a few weeks time!

Four Mortgage Tips to Help You Own a Home in Ghana

shutterstock_83671576If you’re considering settling down in Ghana, you might be considering purchasing a property of your own. I’ve come across some mortgage information from a *friend at Lamudi that may be of use to you as you prepare your move!

There are various ways you can own your own home, a mortgage is only one of them.

A mortgage occurs when an owner pledges their right to the property as collateral for a loan.

There are certain factors to be mindful of before considering taking out a mortgage.

The Property Search

Before obtaining a mortgage loan, you have to search for properties that match your preferences. In selecting that dream home, the offer price should be your key consideration. Comparing the price per square meter of each property is a good way to know if you’re getting value for money. This can be deduced by dividing the offer price by the total floor area. Other considerations are the location, quality of construction, size of rooms, plot size, availability of parking, proximity to your workplace, and access to public utilities. A number of platforms are available to assist you in finding the right home. You can choose from a real estate developer, get assistance from a real estate agent, or obtain a wide variety of property choices from real estate portals such as Lamudi.

Agree on Payment Terms

Find out the number of years left on the leases of the properties you have shortlisted. After making your final choice, negotiate the price and payment terms.

Do You Need Collateral?

When obtaining a home loan, you do not need to have an additional property as collateral. A mortgage essentially means that you are using a loan to buy a home, while using that same home as collateral for the loan. In Ghana, some lenders provide borrowers with mortgages for durations of up to 20 years. However, a mortgage provider will consider an individual’s ability to repay the loan, and other risks, before entering into an agreement.

Disbursement

After the mortgage has been approved, the mortgage lender proceeds to pay on your behalf. An agreed monthly deduction is made depending on the interest rate type. There are two main types: fixed and variable interest rates.

The fixed interest rate: enables a mortgage borrower to make monthly repayment amounts that do not change over the life of the loan. It is a good option if you believe that interest rates will increase significantly in the future.

The variable interest rate: may change from time to time depending on the volatility of a lender’s base rate. The base rate is determined by operational costs and the cost of funds. Additionally, a borrower’s risk is factored into the computation of an agreed interest rate. A variable interest rate is usually higher than a fixed interest rate.

Hope that information is useful. Happy house-hunting!

*This is not a sponsored post. It is actually information from a real friend at Lamudi. I hope it helped!

The Day I Met Mr Monopoly in Accra, Ghana

20150325_155656Yesterday, on one beautiful Ghanaian afternoon, at the African Regent Hotel, Mr. Monopoly and CEO of Bestman Games, Mrs. Akinkugbe, made an important announcement.

Plans are being made to make an Accra edition of Monopoly!

I stood in the back of a full press conference excited to hear the details of the Monopoly board release and how I could get my own board. I had no idea I was going to meet Mr. Monopoly later on and take a few photos!

This venture is a collaboration between Bestman Games and Ministry of Tourism, Culture and Creative Arts. They stressed the desire for public participation in selecting the 22 locations that will be featured on the board. Suggestions are being taken on their Facebook page.

Their mission is to:

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  • Promote personal finance literacy
  • Foster strong family relationships
  • Enhance the profile of African cities by projecting a positive image of Africa
  • Encourage strong ethical values in society

Mrs Akinkugbe said; “What better way to pick up tips about money matters than through fun and play?”

I think it’s fantastic that Monopoly landmark suggestions are being taken online, because it gives our Ghanaians in the diaspora a chance to participate in this exciting project!

I’m also pleased that Monopoly chose it’s 80th anniversary to honour Ghana. It makes me a little sentimental…

Once created, the board will be available worldwide. I’m looking forward to it!

Comment | “Racist Advertising” #MadeofBlack

So I’m going to casually stroll on this platform as if I haven’t been MIA for almost a year.

That’s right.

I’ve got it like that.

On a more serious note, I’m here to express my utter disbelief at some advertising. There are so many racist adverts in the world, but the beauty of YouTube is that the one I feel is particularly offensive – I have little choice but to watch the first 5 seconds of it occasionally.

I have the unfortunate displeasure of introducing this advert to you – Made of Black. Please waste a few minutes of your life to catch up with what I’m talking about:

In life, of course there will be the commentators who wonder; “Why are you “playing” the race card? It’s not always about race…”

And I say to that, whatever. I don’t care. This is what I think.

The advert, in my opinion, is racist.

I ask myself – who defined this definition of black? Am I defined by a Kanye West song? What do you mean Guinness is made of black? Are you telling me you have an all black workforce?

I actually don’t get it.

So I googled the lyrics, because the advert is all dancing and acrobatics [because apparently black people are only good at entertaining and doctors, lawyers and the like can’t be black…]

Four in the morning, and I’m zonin’
They say I’m possessed, it’s an omen
I keep it 300, like the Romans
300 bitches, where’s the Trojans?
Baby we livin’ in the moment
I’ve been a menace for the longest
But I ain’t finished I’m devoted
And you know it, and you know it

So follow me up cause this shit’s about to go down
I’m doin’ 500, I’m outta control now
But there’s nowhere to go, now
And there’s no way to slow down
If I knew what I knew in the past
I would have been blacked out on your ass

-Kanye West

There is just too much wrong with this advert. I just can’t.

Thank God a few weeks after my introduction to this nonsense I came across this advert:

I absolutely LOVE this advert. They’ve taken common stereotypes [see the above Guinness advert] and addressed them in a humorous way.

I’m at the point of frustration I can’t even find words to further articulate my disgust. Hopefully you have some words for me. Please let me know what your thoughts are on the adverts in the comments section below.

Apparently you can be disrespected, even after you “go back to your own country.”

Comment | 12 Year Old Vanessa VanDyke

Source: Madam Noir

Source: Madam Noir

So I tried to write this in the height of my fury and indignation, after reading this story on Madame Noir earlier today. The link was lovingly provided by Angel Dike of The Natural Lounge.

Fortunately for the internet, because of my frustration at my Chrome browser I went away and allowed myself to be distracted by menial tasks and eating.

Now I’m back.

Sometimes I get tired of talking about hair but it seems to have so much power in the black community.

No matter how many times I see a similar news story I think;

  • How is this even possible?!
  • How is this allowed?!
  • How do people’s minds work?!

Apparently Vanessa VanDyke’s school, Faith Christian Academy, claimed her hair was a distraction to her peers and that she should either cut it or face expulsion.

How is her hair in its absolute natural form a distraction?! Afros naturally grow upwards (let me have that one ok)… So her hair naturally grows into a distraction?

Madame Noire reported that Vanessa’s hair did not become an issue to the school authorities until after her parents complained of students bullying Vanessa about her hair.

What if Vanessa’s body had been the cause of her being bullied? How about all the girls whose bodies mature earlier than the rest of the class? They get made fun of too. If that had been young Vanessa’s complaint would they have told her to wear a baggier shirt to school or leave?

What about the white girls with ridiculously long hair that they can sit on in class? Would they tell those girls to cut their hair? I find really long hair to take my attention and curiosity…

HOWEVER, to be fair and unbiased, I remember when I was 12 [oh so long ago…] I used to wear all sorts of braids. I also remember hearing that the white children were not allowed to have braids like mine because braids was linked to my culture – and not theirs.

So we need to be fair and realise that though sometimes rules don’t lean our way – we’re not always the sole victims in schools and their attempts in maintaining order.

I scream HOWEVER, again, because if this girl didn’t have such a strong support system behind her this school could’ve planted the seeds of a major hair complex. So I give her mother a major KUDOS for teaching her daughter to love herself the way she is.

And in regards to the children that made fun of her… the irony about the children that tease is they tend to grow up and later wish for the same things they disrespected when they were teasing…

I’ve been the teased and the teaser so I’ve seen it happen from both ends.

Vanessa VanDyke hunny… you’ll be fine.

I would have liked to hear what the schools did about those bullies. Afterall, not only are bullies distracting, the damage they cause can last a lot longer than the so-called distraction of this young lady’s beautiful hair.