I think that the word is insulting to whomever it is applied to. While it is viewed as more as an description to black hair, I find that it is insult when other words (ie: course, tangled, kinky just to name a few) could easily be used in it's place. So to the original poster- I would choose other words to describe your hair. I'm sure if you consider yourself to be Hispanic, there are words within and outside your community that your ethnic group would deem offensive and/or insulting. It's the same thing.