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Speaker 1: Welcome to the show.

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Speaker 2: I'm Rashaan McDonald, the host of Money Making Conversations Masterclass,

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Speaker 2: where we encourage people to stop reading other people's success

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Speaker 2: stories and.

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Speaker 1: Start planning their own. Listen up as I interview entrepreneurs from.

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Speaker 2: Around the country, talk to celebrities and ask them how

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Speaker 2: they are running their companies, and speak with NOD profits

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Speaker 2: who are making a difference in their local communities. Now,

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Speaker 2: sit back and listen as we unlock the secrets to

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Speaker 2: their success on Money Making Conversations Masterclass.

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Speaker 3: My next guest, this first time I'm talking to it

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Speaker 3: is the program I'm very familiar with. It's called NAKA,

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Speaker 3: the Neighborhood Assistance Corporation of America.

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Speaker 1: Please welcome to the show. Andrewette Dowles. How are you doing? Aronette?

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Speaker 4: Hi him, mister McDonald, Nice to meet you.

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Speaker 1: Tell us about NACCA.

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Speaker 4: I understand that the name of the show is Money

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Speaker 4: Making Conversation.

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Speaker 1: Right, absolutely, thank you.

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Speaker 4: So we're talking about money making conversation and that leads

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Speaker 4: into wealth building conversation, and that's what NACA is. It

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Speaker 4: is a wealth building, wealth generating tool here and so

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Speaker 4: we want to create generational wealth and NATHA allows people

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Speaker 4: to do that at its best. So Neighborhood Assistance Corporation

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Speaker 4: of America is an organization that is an advocacy organization's first.

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Speaker 4: We definitely provide access and I always talk about providing access,

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Speaker 4: awareness and change access because we we make you. We

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Speaker 4: give you access to the resources and tools to build

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Speaker 4: generational wealth though by purchasing a new home, modifying your

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Speaker 4: loan on a home, on a mortgage that is unaffordable,

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Speaker 4: to rehab rehabilitating your home through refinancing your home, and

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Speaker 4: if you're holding a Section eight voucher, turning that voucher

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Speaker 4: into a wealth generating tool because if you can afford to,

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Speaker 4: if that voucher can pay the landlord, that voucher can

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Speaker 4: pay your mortgage.

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Speaker 1: Right there, the first stop right there.

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Speaker 3: That's the part of the conversation that so many people

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Speaker 3: in Section eight feel, that's it. This is my life.

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Speaker 3: I can't you know, I'm gonna live it out like this.

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Speaker 3: My maybe even their family before they lived it out

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Speaker 3: like that. So you're saying, if you in Section eight

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Speaker 3: and they're paying rent, that that rent opportunity can become

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Speaker 3: a mortgage opportunity. If they come and sit down with

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Speaker 3: you and read the right and meet the right qualifications

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Speaker 3: at NACA.

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Speaker 4: That's what you're saying, absolutely absolutely, and we're doing it.

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Speaker 4: We're doing it across the country. We're in virtually forty

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Speaker 4: seven plus cities across the country, and many of the

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Speaker 4: cities that we're working with the housing authority that have

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Speaker 4: the Section eight voucher programs when they come to through

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Speaker 4: the nack of Post program because we offer comprehensive counseling.

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Speaker 4: We are a Hood certified counseling agency. So when they

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Speaker 4: come through and they get the counseling and then they

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Speaker 4: have the voucher, we work with the city or county

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Speaker 4: wherever that voucher is held, and we work with them

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Speaker 4: to generate to transform that particular voucher. Let's say the

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Speaker 4: voucher will pay eight hundred dollars towards your rent. Well, god,

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Speaker 4: dogg it, you can pay eight hundred dollars towards your

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Speaker 4: mortgage and we will we will back that into a

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Speaker 4: mortgage and see how much house that can afford. So

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Speaker 4: we got people that are having fifteen, sixteen hundred dollars vouchers, Well,

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Speaker 4: got dogg it, you can actually pay a mortgage with that.

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Speaker 4: Am I right, I'm.

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Speaker 1: Telling you right now.

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Speaker 3: You got me excited because you know, you know, I

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Speaker 3: come from in the city, come from the hood, Houston, Texas.

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Speaker 1: Father was fortune, he was truck driver, got us out of.

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Speaker 3: The neighborhood, moved and I will moved from a two

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Speaker 3: bedroom shotgun house to a to a one bedroom chatgun

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Speaker 3: house to a two bedroom house and we're now. He

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Speaker 3: had nine kids and we did. We made it up

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Speaker 3: in Hoton, It happened in Houston, made it happen.

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Speaker 4: I'm in Houston right where I live.

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Speaker 3: And so so you have a I've grew up in

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Speaker 3: fifth Ford, so you know exactly where I'm at, where

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Speaker 3: I was.

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Speaker 1: Born and raised.

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Speaker 4: Oh, I'm making songs.

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Speaker 1: I'm from the fofo absolutely.

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Speaker 3: Now when we talk about opportunity. Reason I'm really excited

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Speaker 3: about your voice is that what you're saying is real

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Speaker 3: and it's happening on a in many cities around this country.

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Speaker 3: You say forty some cities, but people just don't know.

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Speaker 3: Why don't they know?

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Speaker 4: Well, let me say it say it this way. What

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Speaker 4: your what your grandmama used to say? You want to

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Speaker 4: have something where we put it in a book. So

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Speaker 4: here's here's part of the reason why they don't know

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Speaker 4: because how we operate and how we maneuver out the community,

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Speaker 4: we literally depend on our own membership. So to be

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Speaker 4: part of of NACA, you are a member of NACA,

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Speaker 4: and membership has the privileges. Once you are a member

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Speaker 4: for the purchase program, Modify, Home, Save, whatever the program is,

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Speaker 4: you're a member for life. We advocate for you. We

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Speaker 4: do everything. But what we also do is participate our

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Speaker 4: advocacy and action team. We are our membership also are

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Speaker 4: our activists and we we we we serve on going

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Speaker 4: out and tail. So we have activists that are in

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Speaker 4: the community that once they go through the program, they

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Speaker 4: tell two or three people and so on and so on.

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Speaker 4: But what we found out is that the cornerstone in

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Speaker 4: the center of all of this is our parishioners, our pastors,

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Speaker 4: our ministerial alliances. So we do a lot of our

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Speaker 4: workshops in the churches because when you have heavy burden

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Speaker 4: and you're really laying down, where do you take it?

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Speaker 4: You take it to the rock? Am I right? So

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Speaker 4: we work with those We work with those churches and say,

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Speaker 4: when you have people that in your congregations is facing

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Speaker 4: hardships and things of that nature, bring them to NAKA.

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Speaker 4: If there's anything dealing with the rooftop under the roof,

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Speaker 4: you can bring them to NACA. And we are now

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Speaker 4: doing more advocacy to make sure that things that are

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Speaker 4: that are plaguing in your community outside of the home roads,

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Speaker 4: street lights, boarded up properties, isoores in the community, food

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Speaker 4: deserts and so on. We are taking those those fights

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Speaker 4: to the to Congress, to the city, to the state reps,

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Speaker 4: to our senators. We're taking that fight because guess what

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Speaker 4: when you show up little missus Mary Allen that lives

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Speaker 4: on the corner house with the crack house or the

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Speaker 4: boarded up house next to her, when she show up

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Speaker 4: to a city hall meeting, she's a voice of one.

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Speaker 4: But when you bring the knack of members and you're

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Speaker 4: showing up in two hundred and droves, they'll listen to

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Speaker 4: her power. There's number, there's there's power in numbers. So

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Speaker 4: we we are an advocacy organization first. But how why

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Speaker 4: people don't know about the program is because people think

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Speaker 4: it is too good to be true. Many know they

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Speaker 4: write their own declination letter, mister McDonald. And when you

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Speaker 4: write your own declination letter, you're blocking your blessing. Don't

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Speaker 4: do that. Don't do that. If there's nothing, are.

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Speaker 1: You telling truth?

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Speaker 3: You tell the truth, miss Doll, because you know that's

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Speaker 3: why I you know, I'm glad I'm talking to you

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Speaker 3: because it's a different boards other than Bruce, because I've

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Speaker 3: had I've had Bruce over several shows of mine, and

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Speaker 3: every time I get I get text for people.

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Speaker 1: Is he tells the truth? Really really?

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Speaker 3: Because you know, because we always we can get stereotype

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Speaker 3: or we can get mindset that this is how it

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Speaker 3: can only happen this way. And that really is why

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Speaker 3: I you know, I kind of repeat gas people all

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Speaker 3: say you had that person only a couple of months ago. Yes,

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Speaker 3: because I'm trying to let people know that that is reality.

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Speaker 3: It's an opportunity for you to participate. But if you

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Speaker 3: don't keep hearing it, you might blow it off and

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Speaker 3: you might be just some information you might need to

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Speaker 3: share with a friend or relative, but you didn't think

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Speaker 3: it was real because you didn't so get the information.

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Speaker 3: But if you hear it again and hear it again,

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Speaker 3: then you might pass that information or you might take

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Speaker 3: that information and that information can change your life. And

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Speaker 3: we're talking about the KNACKA program. I want to bring

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Speaker 3: a call on the line. She called in early. She's

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Speaker 3: a senior citizen, Miss Dows. She's a knocker homeowner and

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Speaker 3: she has a rated two point six and she has

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Speaker 3: some repair questions.

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Speaker 1: So, Mi young, are you still on.

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Speaker 3: Yes, Miss Dowell here the national director of KNAKA if

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Speaker 3: she I don't know if she can answer your question,

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Speaker 3: but I do know that you're in the program, and

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Speaker 3: she just said when you call, y'all respond, So please

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Speaker 3: ask your question.

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Speaker 5: Okay, I heard you mentioned something about a rehab program,

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Speaker 5: and I'm wondering if that's something that i could take

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Speaker 5: advantage of in my situation. My house needs us repairs.

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Speaker 5: I am a senior and that I'll make a lot

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Speaker 5: of money, and refine would just throw me totally out

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Speaker 5: of the pocket because it would triple my mortgage. So

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Speaker 5: I'm trying to figure out a way to get these

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Speaker 5: repairs done.

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Speaker 4: Absolutely. So what we have is a rehab program. So

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Speaker 4: our rehab program, you still come to a workshop or

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Speaker 4: you come to to get the comprehensive counseling and things

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Speaker 4: like that, and then we make a determination. Obviously, we're

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Speaker 4: going to look at values of the property and things

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Speaker 4: like that. And we're also going to look at three

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Speaker 4: things cold, safety, and help. We're going to see if

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Speaker 4: those repairs that need to happen in your home are

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Speaker 4: in need of repair due to cold, violations, safety, or

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Speaker 4: help due to It could be mold, it could be age,

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Speaker 4: it could be lit piped, different things, and based on

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Speaker 4: that will qualify you and get you qualified. Now I

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Speaker 4: heard you say fixed income. Do not let that stop you,

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Speaker 4: because guess what, fixed income is just as good as

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Speaker 4: any because we know what you're making every single month,

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Speaker 4: we know what you're bringing in. We just need to

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Speaker 4: sit down and counsel you on what's going out and

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Speaker 4: get to that sweet spot on how how this rehab

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Speaker 4: will work for you. But yes, ma'am, we will be

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Speaker 4: able to help you. We just everybody's situation is different.

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Speaker 4: But I hear you say fixed income. That's good because

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Speaker 4: you got steady income coming in regardless of the amount.

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Speaker 5: Excellent. And how would I get more information on the program?

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Speaker 4: Absolutely, let me give you that information. You can go

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Speaker 4: to our website at www dot NACA dot com. That's

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Speaker 4: www dot naca dot com.

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Speaker 6: Wow, please don't go anywhere. We'll be right back with

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Speaker 6: more money Making Conversations Masterclass. Welcome back to the Money

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Speaker 6: Making Conversations Masterclass, hosted by Rashaan McDonald. Money Making Conversations

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Speaker 6: Masterclass continues online at Moneymakingconversations dot com and follow money

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Speaker 6: Making Conversations Masterclass on Facebook, Twitter and Instagram.

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Speaker 5: Than thank you so much.

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Speaker 1: I'm glad you called back now being couraged.

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Speaker 3: One thing I'm going to let you know you are

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Speaker 3: you get me fired up?

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Speaker 1: Is this just natural?

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Speaker 3: I mean seriously, I'm enthused, and I know what I'm

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Speaker 3: walking into. You're just markus, my man. You know he

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Speaker 3: called Bruce calls in and he but I'm out to

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Speaker 3: tear Bruce.

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Speaker 1: I got it.

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Speaker 3: I'm trading him in for you. I'm trading. I'm trading

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Speaker 3: them in. I'm trading Bruce in.

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Speaker 1: He's good. But I'm telling you something. You are an

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Speaker 1: inspiration and it's.

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Speaker 3: Needed because so many people come to you, come to

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Speaker 3: this organization in this belief.

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Speaker 1: They're down.

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Speaker 3: They feel what they're asking for is an impossibility. There's

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Speaker 3: no hope, there's no plan of action. They've been told no,

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Speaker 3: they've they've felt, they they've the possibility of ownership even

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Speaker 3: is so remote, is so distant and that home ownership

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Speaker 3: can change a person's life.

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Speaker 4: Correct, mister McDonald, you said it best. It is a

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Speaker 4: transforming it is a life changing home ownership. Let me

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Speaker 4: tell you something. I am originally from Louisiana and I

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Speaker 4: had a big mama, anima dear. And the one thing

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Speaker 4: I noticed about them all of them own, They own

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Speaker 4: their own home. Why is this? And it was more

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Speaker 4: difficult then? So why is this so hard for us

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Speaker 4: to do it? Now? We gravitate to renting and doing

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Speaker 4: that because we feel like or we think that no

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Speaker 4: one is going to help us, No one is going

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Speaker 4: to be able to come and save us. Home ownership

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Speaker 4: is not obtainable for me. And I want them to

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Speaker 4: shape that out of their minds. Take that negativity out,

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Speaker 4: shake it out, because there ain't nothing but the DEVI

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Speaker 4: of was talking.

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Speaker 1: Let me tell you something.

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Speaker 4: If we can go from Target to Walmart, to this

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Speaker 4: store to that store to save ten, fifteen to twenty

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Speaker 4: cent or save a dollar, we bargainshop all day, why

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Speaker 4: won't we put that same interest in same investment in us,

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Speaker 4: in our family, in our livelihood, our generational wealth. Leaving

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Speaker 4: something behind the one thing our our grandparents did. They

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Speaker 4: left things behind. That's why it get sad. It breaks

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Speaker 4: my heart when we sell in Big Mama's house and

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Speaker 4: we're selling Media's house. No hold on to it. The

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Speaker 4: wealth is in the land. That's where your wealth is.

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Speaker 4: You can send your children to college off that land

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Speaker 4: and still on the home to come through Maca. We

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Speaker 4: show you how to do that, over and over and

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Speaker 4: over again. We show you how to do this. It

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Speaker 4: is critically important that you understand that home ownership is

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Speaker 4: where it's at. And if you think you cannot afford

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Speaker 4: a home, and you think home ownership is not obtainable,

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Speaker 4: all you got to do is take one step, one step, call,

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Speaker 4: come wherever we are call or come and just try.

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Speaker 4: Nothing be to failure, butter try, just come and try.

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Speaker 4: We just closed on somebody in Naco, just closed for

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Speaker 4: twenty credit score for twenty and they got a four bedroom,

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Speaker 4: two and a half fast home. And if it's only

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Speaker 4: two years old. We don't tell you where to say.

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Speaker 4: You go out and pick. Once you get qualified, you peck.

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Speaker 4: You go house shopping like any other person would, and

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Speaker 4: you go and you shop for your dream home. Now,

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Speaker 4: guess what, it may not be your your your last stop,

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Speaker 4: but if it gets your foot in the door. Somebody

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Speaker 4: told me all I gotta do is get. If I

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Speaker 4: get the first half of my foot in, I'll wiggle.

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Speaker 4: That's all you need do. NACA can be that bridge.

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Speaker 4: That's the stuff you need. It doesn't have to be

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Speaker 4: the end to your end stell, but let it be

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Speaker 4: your beginning. No credit for recquirement, It has no nothing

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Speaker 4: to do with credit. What makes me understand why you

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Speaker 4: can pay one thousand dollars in rent and that can't

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Speaker 4: go towards your principal, interest, tax and insurance on a home.

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Speaker 4: Shake that off, Shake that negativity off. I'm talking to

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Speaker 4: the people who are sick and tired of being sick

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Speaker 4: and tired. I'm talking to the people who think that

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Speaker 4: this is their final step and no other hope it's

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Speaker 4: out there for them. I'm talking to the people who

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Speaker 4: know that their next half won't look like their baths

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Speaker 4: that their past half. I'm talking to the people who

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Speaker 4: tired of making a dollar out of fifteen cents. I'm

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Speaker 4: talking to the people who know that they're the head

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Speaker 4: not to tell. I'm talking to the people who know

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Speaker 4: that they're the Lenda never the bar nothings nothings didwals.

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Speaker 3: Let me ask you this. Let me ask you this.

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Speaker 3: What is the experience that you're taking from city to city?

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Speaker 3: And how does one does one have to pay admission

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Speaker 3: to go to these conferences? How does that work? And

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Speaker 3: what is what's the experience? Is it a three day event,

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Speaker 3: a two day event?

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Speaker 1: What is it?

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Speaker 4: I'm going to tell you exactly what it is. It

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Speaker 4: is a day event, it's a four day event, and

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Speaker 4: what it is and all services are free. All services

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Speaker 4: are free, and we go from sun up to sundown.

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Speaker 4: We're there for you and you don't have to come

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Speaker 4: all four days. Don't get it twisted. It's not all

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Speaker 4: four days that you have to come. We try to

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Speaker 4: do two work days and two weekends. The reason why

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Speaker 4: we do that is to make it easy. Remember I

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Speaker 4: talked to you about access, bringing forth awareness access. Want

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Speaker 4: to make sure we give you access. Whether the people

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Speaker 4: are working on the weekday and off on the weekend,

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Speaker 4: we got your coverage. If you're working on the weekend

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Speaker 4: and off on the weekday, we got you coverage. So

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Speaker 4: that's why we spread it out for straight days and

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Speaker 4: sometimes we even do five.

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Speaker 1: Wow. Now, so.

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Speaker 3: When go get me about you know I'm stuttering because.

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Speaker 1: People don't know.

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Speaker 4: It sounds too good to be true, and.

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Speaker 1: People don't know, and plus people don't know, and people

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Speaker 1: don't know, and.

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Speaker 3: You know, all I want people to do is understand

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Speaker 3: the reality that.

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Speaker 1: Change can be.

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Speaker 3: Possible with effort. Like you said, if you don't try,

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Speaker 3: then you can't win. But more importantly the process is

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Speaker 3: that my father, my mother our first home.

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Speaker 1: They owned it, you know, and they bought another home.

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Speaker 3: So I at least had the mindset that I could

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Speaker 3: own a home because I saw them do it. And

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Speaker 3: I think that's what I'm trying to get an adult

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Speaker 3: to hear my voice and saying that you can't change

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Speaker 3: the mindset of your children if you don't try, you

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Speaker 3: can't change the mind because they'll feel that that's all

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Speaker 3: they can be, that's all they can live up to.

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Speaker 3: They don't know that they can actually have their front

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Speaker 3: yard in the backyard, you know that they can walk

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Speaker 3: out and live in the community with a better education

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Speaker 3: setting for them, and live a lifestyle. And then you

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Speaker 3: can see your property value go up and get equity

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Speaker 3: into that property, and then you can, like you said,

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Speaker 3: use that equity and fund your child's education.

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Speaker 1: If they decide to go to college.

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Speaker 3: That's what home ownership brings and and a lot of

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Speaker 3: people don't understand that, and it really eats away with me.

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Speaker 3: It eats at me because of the fact that my

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Speaker 3: whole goal is to provide information. And that's why your

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Speaker 3: your presence on the show is important, because if I

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Speaker 3: don't give this opportunity to everyday people that this program is.

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Speaker 1: Available to him.

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Speaker 3: Because I'm going to tell you I met Bruce on

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Speaker 3: another radio show I was doing, and I swear to

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Speaker 3: you I interviewed him. I hung up the phone and

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Speaker 3: I went, that ain't true. Ceriously, the people say here that,

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Speaker 3: well he was a good interview, but that none of

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Speaker 3: that's true. And then I interviewed him again, and then

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Speaker 3: I slowed down. I'm gonna just tell you something. I

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Speaker 3: slowed down and said, I started asking questions. So section eight,

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Speaker 3: I said, what are the fees?

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Speaker 5: None?

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Speaker 1: Okay? So so, well, how they get into the event free? Okay?

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Speaker 3: Let me give me maybe here and out here in

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Speaker 3: the right trick question? So so so they go in?

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Speaker 3: So so where where the where where a trick move at?

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Speaker 3: Where a trick move at? Where they gonna get spun?

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Speaker 3: Around and they realize that they really gonna get They

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Speaker 3: checked tied up that they can't buy nothing. But but

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Speaker 3: but this little hole in the wall, that's not true.

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Speaker 3: That's you go you're qualified. You go out and pick

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Speaker 3: the home that you're qualified for.

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Speaker 4: Mm hmm, that's right. And you know what the success

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Speaker 4: is On the website. We we allow our members to

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Speaker 4: go in and put their successes out there. It's not scripted.

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Speaker 4: They tell you the God, the God gospel truth. They

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Speaker 4: will tell you about their experience, good, bad, right or

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Speaker 4: wrong and indifferent. They will put it on our website.

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Speaker 4: So if you really want to know the real deal,

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Speaker 4: we don't. We don't craft that and script them and

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Speaker 4: cute it up and pretty it up. No, that's them

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Speaker 4: in front of their home. That's them telling their story.

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Speaker 4: That's them. And sometimes it's not always a great great thing.

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Speaker 4: Some of them. It takes a while. Some of them

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Speaker 4: have real life life is happening, and they'll put that

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Speaker 4: on there. It took me a year, but I'm here

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Speaker 4: here I am y'all. So always check the website out

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Speaker 4: at www dot NACA dot com because all of it

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Speaker 4: is out there. We have fifteen year, twenty year and

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Speaker 4: thirty year mortgages going at five point two five and

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Speaker 4: four point seventy five and five point two five. Guess

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Speaker 4: what you can buy down your interest rate to zero

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Speaker 4: presents virtually nothing. So we got a truck driver just

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Speaker 4: recently closed. He never thought he was going to own

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Speaker 4: a home. His boys were telling the man, they ain't

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Speaker 4: gonna give you no home any No, ain't nobody gonna

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Speaker 4: give you nothing. He earned it, it was his right.

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Speaker 4: He paid us off. Guess what all of them trying

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Speaker 4: to come over his house?

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Speaker 6: Now?

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Speaker 1: I love it.

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Speaker 3: I love talking to you again. You're about to wrap

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Speaker 3: up the show. I want to thank you for coming

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Speaker 3: on the show. I want to thank you for providing hope,

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Speaker 3: but I only hope for reality. Again, Tell Bruce I

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Speaker 3: appreciate it. But his stand in is my regular end. Okay,

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Speaker 3: so you regular not til Bruce. I love him, but

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Speaker 3: I love miss Die Moore.

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Speaker 1: Okay.

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Speaker 3: Thank you for calling and telling us about the NACA

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00:20:11,680 --> 00:20:16,600
Speaker 3: program is an amazing program. Please at ww dot NACA

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00:20:16,880 --> 00:20:18,359
Speaker 3: dot com. Go there and check it out.

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Speaker 2: This has been another edition of Moneymaking Conversation Masterclass hosted

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Speaker 2: by me Rushawn McDonald. Thank you to our guests. On

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Speaker 2: the show today and thank you listening to audience now.

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Speaker 2: If you want to listen to any episode I want

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00:20:30,960 --> 00:20:34,920
Speaker 2: to be a guest on the show, visit Moneymakingconversations dot com.

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Speaker 2: Our social media handle is money Making Conversation. Join us

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Speaker 2: next week and remember to always leave with your gifts.

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Speaker 1: Keep winning.