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A school holiday insurance check-list before you hit the road

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If you and your family are hitting the road to make the most of the June school holidays then you’ll be all to aware that preparation is key.

SA’s roads has the bad reputation of being amongst the world’s most dangerous and travelling overseas has its own risks.

Product Development Actuary for Sanlam Individual Life, Karen Bongers has shared a checklist of insurance must haves that will definitely come in handy before you lock up and set off on that mid-year getaway with your family.

Get adequate death and disability cover

Ideally, you need natural-cause as well as accidental death and disability cover.

However, you can get accidental death and disability protection separately, should you need it in a hurry (the application process is quicker as it doesn’t consider your medical history) or if you don’t qualify for natural-cause cover.

Should you pass away, life cover can help your loved ones pay off any debts you might have and can enable them to cover their everyday living expenses.

Should you become disabled, disability cover can compensate for the loss of your income.

Check the country you’re going to is covered

  • This is essential if you’re travelling overseas.
  • Certain life cover policies might not provide cover in all countries – areas dubbed high-risk could for example be excluded.
  • If you’re applying for cover before travelling, you might be asked about your travel destination.
  • In this case, be honest about your travel plans, so that you don’t risk a reduced or declined claim if something were to happen to you while being away.
Make sure you’re insured before embarking on your adventure holiday. Pexels

Check the activities you’re planning are covered

  • Some policies exclude riskier activities like paragliding and sky-diving, so ensure you check for any exclusions if you’re plotting an adrenaline-packed vacay!
  • When you take out a policy, be sure to disclose participation in potentially risky activities if asked to do so, to make sure there aren’t any surprises at claim stage.

Invest in funeral cover

  • Funerals can be expensive and having cover in place will assist your loved ones to honour your memory without financial strain.
  • This cover can also be taken on the lives of your family members, which in turn enables you to give them a dignified funeral.

Update your will

  • Another far-from-fun one to tick, but an updated will is imperative to ensure your assets are distributed as you would wish, in the unfortunate event of your passing away.

Make sure your kids are covered

  • There are benefits aimed especially at children.
  • This protects your little one should anything serious happen at home or while away.
  • Make sure the little ones are covered for various defined dread disease, injury, impairment and infection claim events, some of which may be more likely while on holiday, like dog bites requiring facial plastic surgery or near drowning incidents requiring ICU care.

Bongers reminds us that we need to be realistic about life’s ups and downs even before the holidays: “It’s not something we like to talk about, but given the realities, adequate death and disability cover are practically non-negotiable – especially for people with children and families to take care of.”

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Afripreneur

Black Canadians making travel safer for women by helping them rent spaces from other women with Femmebnb

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Femmebnb Inc. Co-Founders, Yaa Birago and Diana Obeng

Femmebnb Inc. Co-Founders, Yaa Birago and Diana Obeng (Source: Yaa Birago)

Dismayed by her solo travel experience in 2017, Yaa Birago made it her goal to curate a safe space where like-minded women travel enthusiasts can come together to plan, book, meet, talk, and share everything about travel. Softly launched amidst pandemic, Femmebnb Inc. is the first-ever social networking short-term vacation rental service powered by an Artificial Intelligence (AI) travel assistant that is at the forefront of reshaping ‘Women’s travel experience’, once the world reopens.

After being sexually harassed in-front of her airbnb apartment in Rome, and receiving no support from her male bnb host, Yaa Birago – CEO and co-founder of Femmebnb Inc., felt unsafe and unpleasant for the rest of her trip. This is exactly what was told to her when she announced her solo travel to her family – it’s unsafe! With this experience and the urge to change the travel horizon for women, the idea of Femmebnb sprung in her mind.

The validation of a need to have a platform and community that is solely for women travellers & hosts came from a survey initiated by Femmebnb where over 229 women shared that they would feel more secure knowing their host is a female, and that the rental is booked via a platform that deeply understands these concerns. This is the reason why Femmebnb has already received over 3000 registrations by women from 60 countries on the platform despite the travel industry being on hold due to COVID-19.

Source: Yaa Birago

“Being a hodophile, I was extremely disappointed when my solo travel to Europe turned out to be a nightmare as I faced sexual & street harassment. Upon receiving no support from my male bnb host when I discussed the incident with him, I realised that a female host would have naturally been more emphatic. This, combined with the help I attained from a female companion in France with whom I had merely chatted on Facebook before my travels, affirmed that we need to curate a safe social networking vacation rental space for only women where common concerns can be addressed and resolved together. This embarked the idea of Femmebnb in 2017. After 3 years of persistence and determination, fused with technology, creativity and research, we have finally launched and are ready to change ‘her travel experience’.  – Yaa Birago, CEO & Co-Founder, Femmebnb Inc.

When Yaa proposed the idea to an old ally Diana Obeng, she jumped in right away to co-found the company with her.

Diana Obeng, Co-Founder, Femmebnb Inc. – “As a woman, I shouldn’t have to hope and pray that my safety is not at risk when I am planning to travel solo in a new country, but unfortunately, that’s the first thought that comes to mind. I cannot downplay that women fear their safety over every other concern related to traveling alone. Hence, when Yaa proposed the idea of curating a safe space for women travelers, I jumped on board in a heartbeat. We are determined and have invested every bit of our soul into this project and I am excited to help reshape ‘women travel experience’.”

Femmebnb is an exclusive membership platform, ensuring that every member on the platform is vetted. The verification process consists of 5 steps: email, phone, government ID, property documentation/utility bill and/or video verification. The on-site personality video feature facilitates trust and credibility between the host and guest. For the time being, a one-time subscription fee of $4.99 has been waived off the platform, making it free for all to register!

Source: Yaa Birago

A portion of every transaction made on the site for bookings goes towards providing menstrual equity, menstrual hygiene education and menstrual products to girls in Africa as a means to help eradicate period poverty.

(By woman/women, Femmebnb Inc. means anyone who identifies as a woman, non-binary, gender-fluid or non-conforming (womxn).

 

Yaa Birago’s Short Bio

Source: Yaa Birago

Yaa Birago is a tech entrepreneur, Co-founder and CEO of FemmeBnB Inc.; the first social networking vacation and short-term rental platform that allows women to rent their spaces to other women in hopes of maximizing safety, peace of mind and comfort, along with AI- Powered Travel Companion to help women plan their trip from start to end. She started the company to provide safe space and peace of mind for women travelers after she had a terrifying experience as a solo traveler in Rome.

Yaa holds a B.A degree in Criminology and Sociology from the University of Windsor but her passion for tech, women and children advancement led her into the Information Technology and Non-Profit sector for the past 11 years. Yaa is also the Co-Founder and President of Hands of a Hero Foundation (HOHF), a non-profit organization that provides mentorship, leadership, and career development programs for youth and children in Canada and Ghana. Yaa was a recipient of Global Impact Award and Women’s Courage International Award.

She was named as a Black Canadian Role Model and Top 100 Black Women to Watch in Canada. In addition, she was selected as Top30 under30 Pioneers by FOG and in March 2020, she was recognized as WOCStar Woman to Watch. Moreover, Yaa was recently recognized as the TOP 20 Women CEOs in Vacation Rental Tech by VR Tech and the Top 25 Women in the Travel Industry by TravelPulse.

Yaa is passionate and enthusiastic about travel technology, women travel safety, sustainable travel, and improving women’s travel experiences across the globe.

 

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Bordeaux-based Nigerian Wine Consultant creating the French Experience with an African twist

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Bordeaux-based Nigerian Wine Consultant, Chinedu Rita Rosa (Photo: Roger Das)

Most times when you think of a French wine expert, especially in Bordeaux, a strong-willed, driven and passionate Black Woman doesn’t come first to mind.

Chinedu Rita Rosa is making waves in the Bordeaux wine community. As a Nigerian Black Woman in her 40’s, she is a rare and long-overdue sight in the wine industry. Over the past six years, she has built a home in Bordeaux with her two teenage daughters and French husband.

For over 20 years Rosa has been active in the wine industry, though she came into the wine business by chance, as an unofficial adviser to her late husband selecting wines for importation into Nigeria. Originally working as a banker, wine did not become her profession until the passing away of her late husband in 2008 who was a Lebanese businessman.

In 2008 she returned to Nigeria and worked with her late Husband’s Friends in XO Wine Store as a Manager where she was in charge of organizing various wine events, teaching wine appreciation, and increasing the selection of wines from all over France. She did all this with minimal professional experience. She likes to put it into simple terms that anyone could relate to, “ I learnt while drinking on the job!”

With Nigeria being a beer-drinking society it was not an easy sell for wines, when she first started, although it was a delightful process, Rosa mentioned. She witnessed, ChiChi (as she is fondly called by her friends) mentioned. She witnessed, seeing the shift of peoples’ opinions about wine, especially when she found the right wine to pair with a client’s palette. Meeting people and discerning their taste and discovering their wine preference is an art that she is passionate about.

“As the years went by, it became much easier to match wines with clients taste” said Rosa. It was during this time that she also acquired knowledge of wine importation, wholesales, retailing and grassroots marketing strategies due to the distribution network of XO Wine stores.

After her first year, Rosa knew this was a profession that she would like to pursue, she continued studying, tasting and enjoyed experimenting with wine tasting pairings. She turned her wine education into a social circle with clients and friends who were also wine lovers. For her, these were some of the most rewarding best moments of her wine career.

Bordeaux-based Nigerian Wine Consultant, Chinedu Rita Rosa (Photo: Roger Das)

She discovered how African foods reacted to different grape varieties and from different wine regions, not forgetting Champagne. She boosts “ If you haven’t tried eating àsun or suya with red wine, you must; it is not to be missed”

It was important to ensure sure that all her knowledge of wine and the industry was accredited, which led her to Bordeaux, where she learned about the technical side of winemaking, regions, and styles. Chinedu found herself the only black and African student for the entire term of the course. In the first step of her official wine studies, received a certification from the school of wine in Bordeaux “Ecole Du Vin.” She is a true believer that the best wines come from Bordeaux.

A fabulous wine lovers group was established in the spirit of the numerous tastings and to date, it exists in Lagos exclusively for members of the XO Family.

Continuing her wine education journey in Bordeaux was a dream and when she decided to re-marry and move to France there was no second-guessing where she was going to call home. Chinedu says,” Naija women are born Entrepreneurs.”This drove her ambition and she ventured into media marketing, blogging, and vlogging in the wine world of Bordeaux, and she also created a networking community where she is the president of like-minded people and entrepreneurs from all over the world that has settled in Bordeaux. The Bordeaux Business Network has over 1000 members and is a thriving support community for expat entrepreneurs.

In Bordeaux, Chinedu has become known as the black lady who is invited everywhere and also hosts a lot of events (not unlike in Lagos!) due to her professional commitments. She attends most wine and entrepreneurial events in the Bordeaux metropolis and is easily distinguishable as a black businesswoman with a glowing smile.

Does this bother her? She has mixed feelings on the subject, Chinedu takes no issues with being the ONLY anywhere, it is a testament to her African upbringing after all. “‘Naija no dey, carry last,” she says. and Being yourself and standing out is important, but she is driven to encourage other black entrepreneurs and young people to come into this profession, where she believes the possibilities are endless.

Chinedu is a distinguished WSET (Wine & Spirits Education Trust) certification, holder. Her wine knowledge spans the process of winemaking to marketing and exportation. She had envisioned that there would be more people of color in the wine industry with her qualifications that she could connect with on a cultural level but she is still left searching. She hopes that this will start to change soon.

Bordeaux-based Nigerian Wine Consultant, Chinedu Rita Rosa and friends (Photo: Roger Das)

As the founder of VINES BY ROSA, an import and marketing company based in Bordeaux she now collaborates with amazing brands, representing them in African Markets. Some of her most notable representations include: CHATEAU DAUZAC, MARGAUX GRAND CRU CLASSE, HINCH IRISH WHISKEY, NINTH WAVE GIN, LGI WINES. These brands are Winemakers that tailor to the African Market specifically creating labels and even Nicolas Feuillatte Champagne.

Always thinking about the future Chinedu wants to continue to build on her passion, education, and dedication, increasing the quality of wines and spirits being imported into Africa and propelling wine appreciation in the continent. She is on a mission to demystify the art of wine tasting and bring good wine to every table at the right price. In the process of this journey, she hopes to inspire other black men and women to join the wine industry and looks to the day where she is not the, I am almost always the only professional BLACK (Woman) at tasting events and business functions, especially here in Bordeaux. “I want to change that,” she ends.

Taking it one- step at a time to secure long-overdue space for aspiring Black women in the wine industry, through the success of Vines By Rosa, she hopes to inspire more people to take their passion and dreams forward.

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Hospitality & Tourism

Radisson Individuals makes its African debut with hotel signing in Ghana, to open its doors in October 2021

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Image Source: Radisson Hotel Group

Radisson Hotel Group is proud to announce its first Radisson Individuals property in Africa, with the signing of Earl Heights Suites Hotel, a member of Radisson Individuals, Accra, Ghana. Due to open by the end of 2021, this new addition places the Group firmly on track to achieving its objective of reaching 150 hotels in operation and under development by 2025.

Located in Dzorwulu, the property is currently undergoing a full renovation and is on schedule to open within this year. Just 5km from Kotoka International Airport (KIA), the main access point by air for domestic and international visitors, the serviced apartment property is conveniently located near shopping malls, restaurants, as well as the University of Ghana, situated north of the district. Also within reach, is the tranquil Legon Botanical Gardens, with its canopy walk, rope courses, canoeing and rich birdlife.

Due to its strategic geographical location, ease of access, and aviation facilities and connections, Accra has become a conference and aviation hub for West Africa. It is also dominated by local and international business activities, making the city one of the most attractive African cities to do business.

The 58-serviced apartments property will comprise of modern studios as well as spacious and elegant one- and two-bedroom suites. Creating a true destination for its guests, the property will offer culinary options in the restaurant, The Society, which will include outdoor seating as well as in the hotel bar. The property will also feature a spa, gym, pool, convenience store, and business centre, providing the perfect base for both business and leisure.

Radisson Individuals is a conversion brand that offers independent hotels and local, regional chains the opportunity to be part of the global Radisson Hotel Group platform, benefit from the Group’s international awareness and experience, with the freedom to maintain their own uniqueness and identity.  Radisson Hotel Group plans to more than double its serviced apartments portfolio within the next 5 years across EMEA. Today, serviced apartments represent around 10% of the Group’s EMEA portfolio with 45 properties and more than 5,400 units in operation and under development.

Erwan Garnier, Senior Director, Development, Africa, Radisson Hotel Group, said: “We have identified Ghana as a key focus country in our five-year development plan and, Accra as a focus and primary city. The signing of the property, which compliments the Radisson Hotel & Apartments Accra announced last year and scheduled to open in 2023, is also aligned with our current conversion-focused growth strategy, which will remain a priority, especially post-pandemic. We are therefore proud the Radisson Individuals African debut, will be on Ghanaian soil, carving the path for the new brand to continue its expansion across the continent. In proud partnership with Earlbeam Group of Companies, we are thrilled to be contributing to the country’s tourism industry, a key pillar of the national economy.”

Alfred Danso Darkwah, CEO of the hotel’s owning company, Earlbeam Group of Companies, said: “The Earl Heights Suites Hotel partnership is an exciting opportunity – it brings together the union of Radisson Hotel Group and The Earlbeam Group Of Companies, two well-seasoned brands from the hospitality and real estate sector respectively. This will be the first branded apart hotel in Ghana, completely unique, providing each guest a boutique home-away-from home experience. In addition, it delivers partner confidence, guarantee of service standards, and assured safety and security, leaving a positive mark on Ghana’s hospitality sector. We believe this Radisson Individuals hotel will inject much-needed life within the local hospitality industry and pave the way for upcoming projects between Radisson Hotel Group and The Earlbeam Group of Companies.”

Image Source: Radisson Hotel Group

Herewith the link to the renders of the hotel, which is on track to open its doors in October this year Radisson Individuals

Radisson Hotel Group operates to high standards of performance and advocates socially and environmentally sustainable business practices. More than ever, Radisson Hotel Group’s highest priorities remain the health and safety of its guests and employees. The Group partnered with SGS, the world’s leading inspection and certification company, to implement the Radisson Hotels Safety Protocol, which ensures the highest hygiene standards and strengthens the Group’s existing rigorous sanitation guidelines. In the run-up to the opening of Earl Heights Suites Hotel, a member of Radisson Individuals the hotel will implement the Radisson Hotel Group brand standards including the Radisson Hotels Safety Protocol related to safety and security.

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