1 00:00:05,190 --> 00:00:06,010 Speaker 1: Welcome to the show. 2 00:00:06,370 --> 00:00:10,190 Speaker 2: I am Rashawn McDonald, the host of Money Making Conversations Masterclass, 3 00:00:10,530 --> 00:00:13,360 Speaker 2: where we encourage people to stop reading other people's success 4 00:00:13,390 --> 00:00:17,279 Speaker 2: stories and start planning their own. Listen up as I 5 00:00:17,340 --> 00:00:21,080 Speaker 2: interview entrepreneurs from around the country, talk to celebrities and 6 00:00:21,239 --> 00:00:23,959 Speaker 2: ask them how they are running their companies and speak 7 00:00:23,980 --> 00:00:27,440 Speaker 2: with nonprofits who are making a difference in their local communities. 8 00:00:27,870 --> 00:00:30,430 Speaker 2: Now sit back and listen as we unlock the secrets 9 00:00:30,470 --> 00:00:34,150 Speaker 2: to their success on Money Making Conversations Masterclass. 10 00:00:35,430 --> 00:00:37,650 Speaker 3: My next guest, this is the first time I'm talking 11 00:00:37,670 --> 00:00:39,870 Speaker 3: to her, but it's a program I'm very familiar with. 12 00:00:40,340 --> 00:00:44,140 Speaker 3: It's called NACA, the Neighborhood Assistance Corporation of America. Please 13 00:00:44,159 --> 00:00:46,860 Speaker 3: welcome to the show, Andronette Dowles. How are you doing, Andronette? 14 00:00:48,060 --> 00:00:50,940 Speaker 4: Hi. Hi, Mr. McDonald. Nice to meet you. 15 00:00:51,380 --> 00:00:52,140 Speaker 5: Tell us about NACA. 16 00:00:53,270 --> 00:00:57,150 Speaker 4: I understand that the name of the show is Money-Making Conversation, right? 17 00:00:57,410 --> 00:00:58,450 Speaker 5: Absolutely. Thank you. 18 00:00:59,370 --> 00:01:02,590 Speaker 4: So we're talking about money-making conversation, and that leads into 19 00:01:02,670 --> 00:01:07,090 Speaker 4: wealth-building conversation. And that's what NACA is. It is a wealth-building, 20 00:01:08,069 --> 00:01:12,319 Speaker 4: wealth-generating tool here. And so we want to create generational wealth, 21 00:01:12,380 --> 00:01:15,340 Speaker 4: and NACA allows people to do that at its best. 22 00:01:15,720 --> 00:01:20,220 Speaker 4: So Neighborhood Assistance Corporation of America is an organization that 23 00:01:20,300 --> 00:01:26,130 Speaker 4: is an advocacy organization first. We definitely provide access and 24 00:01:26,230 --> 00:01:30,580 Speaker 4: always talk about providing access, awareness and change access because 25 00:01:30,660 --> 00:01:34,160 Speaker 4: we we make you we give you access to the 26 00:01:34,220 --> 00:01:38,390 Speaker 4: resources and tools to build generational wealth, though, by purchasing 27 00:01:38,430 --> 00:01:41,569 Speaker 4: a new home, modifying your loan on a home on 28 00:01:41,610 --> 00:01:46,190 Speaker 4: a mortgage that is unaffordable to rehab, rehabilitating your home. 29 00:01:46,569 --> 00:01:50,440 Speaker 4: through refinancing your home. And if you're holding a Section 30 00:01:50,440 --> 00:01:55,040 Speaker 4: 8 voucher, turning that voucher into a wealth-generating tool. Because 31 00:01:55,120 --> 00:01:57,340 Speaker 4: if you can afford to, if that voucher can pay 32 00:01:57,380 --> 00:02:00,140 Speaker 4: the landlord, that voucher can pay your mortgage. 33 00:02:00,580 --> 00:02:02,240 Speaker 5: Right there. Let's stop right there. 34 00:02:02,600 --> 00:02:05,890 Speaker 3: That's the part of the conversation that so many people 35 00:02:06,110 --> 00:02:07,870 Speaker 3: in Section 8 feel, that's it. 36 00:02:08,510 --> 00:02:09,350 Speaker 5: This is my life. 37 00:02:09,889 --> 00:02:11,070 Speaker 3: I can't, you know, I'm going to live it out 38 00:02:11,090 --> 00:02:13,890 Speaker 3: like this. Maybe even their family before that lived it 39 00:02:13,950 --> 00:02:17,090 Speaker 3: out like that. So you're saying, If you're in Section 40 00:02:17,090 --> 00:02:20,769 Speaker 3: 8 and they're paying rent, that that rent opportunity can 41 00:02:20,790 --> 00:02:23,690 Speaker 3: become a mortgage opportunity if they come and sit down 42 00:02:23,730 --> 00:02:27,150 Speaker 3: with you and meet the right qualifications at NACA. That's 43 00:02:27,169 --> 00:02:27,670 Speaker 3: what you're saying? 44 00:02:28,130 --> 00:02:31,410 Speaker 4: Absolutely. Absolutely. And we're doing it. We're doing it across 45 00:02:31,450 --> 00:02:36,410 Speaker 4: the country. We're in virtually 47 plus. cities across the 46 00:02:36,450 --> 00:02:39,459 Speaker 4: country and many of the cities that we're working with 47 00:02:39,480 --> 00:02:43,060 Speaker 4: the housing authority that have the Section 8 voucher program, 48 00:02:43,360 --> 00:02:46,280 Speaker 4: when they come through the NACA program, because we offer 49 00:02:46,340 --> 00:02:50,480 Speaker 4: comprehensive counseling, we are a HUD-certified counseling agency. So when 50 00:02:50,500 --> 00:02:53,180 Speaker 4: they come through and they get the counseling, And then 51 00:02:53,220 --> 00:02:56,400 Speaker 4: they have the voucher. We work with the city or county, 52 00:02:56,440 --> 00:02:59,280 Speaker 4: wherever that voucher is held, and we work with them 53 00:02:59,360 --> 00:03:03,190 Speaker 4: to generate, to transform that particular voucher. Let's say the 54 00:03:03,250 --> 00:03:07,480 Speaker 4: voucher will pay $ 800 towards your rent. Well, God dog it, 55 00:03:07,510 --> 00:03:11,130 Speaker 4: you can pay $ 800 towards your mortgage. And we will 56 00:03:11,190 --> 00:03:13,450 Speaker 4: back that into a mortgage and see how much house 57 00:03:13,530 --> 00:03:16,740 Speaker 4: that can afford. So we got people that are having $ 1, 500, 58 00:03:16,600 --> 00:03:21,880 Speaker 4: $ 1, 600 vouchers. Well, God dog it, you can actually pay 59 00:03:21,940 --> 00:03:24,160 Speaker 4: a mortgage with that. Am I right? 60 00:03:24,180 --> 00:03:26,679 Speaker 5: I'm telling you right now, you got me excited. Because, 61 00:03:26,700 --> 00:03:32,510 Speaker 5: you know, I come from inner city, come from the hood, Houston, Texas. 62 00:03:33,050 --> 00:03:34,970 Speaker 5: Father was fortunate. He was a truck driver, got us 63 00:03:35,030 --> 00:03:35,250 Speaker 5: out of. 64 00:03:35,250 --> 00:03:40,290 Speaker 3: The neighborhood, moved from a two-bedroom shotgun house to a 65 00:03:40,630 --> 00:03:42,440 Speaker 3: one-bedroom shotgun house to a two-bedroom house. 66 00:03:43,000 --> 00:03:45,420 Speaker 5: And we had nine kids. And we made it happen. 67 00:03:45,440 --> 00:03:46,690 Speaker 4: And that was in Houston. 68 00:03:46,710 --> 00:03:48,410 Speaker 5: It happened in Houston. Made it happen. 69 00:03:48,450 --> 00:03:50,250 Speaker 4: I'm in Houston. Great. That's where I live. 70 00:03:50,410 --> 00:03:53,110 Speaker 3: And so I grew up in Fifth Ward, so you 71 00:03:53,130 --> 00:03:55,230 Speaker 3: know exactly where I'm at, where I was born and raised. 72 00:03:55,250 --> 00:03:55,670 Speaker 5: I'm from Fofo. 73 00:03:55,750 --> 00:03:57,550 Speaker 4: I make the tones. I'm from the Fofo. 74 00:03:57,870 --> 00:03:58,350 Speaker 5: Absolutely. 75 00:03:58,610 --> 00:04:01,170 Speaker 3: Now, when we talk about opportunity, the reason I'm really 76 00:04:01,210 --> 00:04:04,510 Speaker 3: excited about your voice is that what you're saying is 77 00:04:04,570 --> 00:04:08,160 Speaker 3: real and is happening in many cities around this country. 78 00:04:08,290 --> 00:04:11,300 Speaker 5: You said 47 cities. But people just don't know. Why 79 00:04:11,340 --> 00:04:12,000 Speaker 5: don't they know? 80 00:04:13,400 --> 00:04:17,279 Speaker 4: Well, let me say it this way. What your grandmama 81 00:04:17,360 --> 00:04:19,460 Speaker 4: used to say, you want to have something where we 82 00:04:19,480 --> 00:04:22,980 Speaker 4: put it, And a book. So here's here's part of 83 00:04:23,000 --> 00:04:26,940 Speaker 4: the reason why they don't know, because how we operate 84 00:04:26,980 --> 00:04:31,820 Speaker 4: and how we maneuver out the community, we literally depend 85 00:04:32,130 --> 00:04:35,089 Speaker 4: on our own membership. So to be part of NACA, 86 00:04:35,110 --> 00:04:38,529 Speaker 4: you are a member of NACA and membership has its privileges. 87 00:04:38,950 --> 00:04:42,710 Speaker 4: Once you are a member for the purchase program, modify, home, save, 88 00:04:42,770 --> 00:04:45,640 Speaker 4: whatever the program is. You're a member for life. We 89 00:04:45,820 --> 00:04:48,980 Speaker 4: advocate for you. We do everything. But what we also 90 00:04:49,040 --> 00:04:53,919 Speaker 4: do is participate. Our advocacy and action team, our membership 91 00:04:54,060 --> 00:04:58,580 Speaker 4: also are our activists. And we serve on going out 92 00:04:58,640 --> 00:05:01,080 Speaker 4: and tell. So we have an activist that are in 93 00:05:01,100 --> 00:05:03,740 Speaker 4: the community that once they go through the program, they 94 00:05:03,800 --> 00:05:06,300 Speaker 4: tell two or three people and so on and so on. 95 00:05:06,320 --> 00:05:09,840 Speaker 4: But what we found out is that the cornerstone and 96 00:05:09,860 --> 00:05:13,930 Speaker 4: the center of all of this is our parishioners, our pastors, 97 00:05:14,010 --> 00:05:16,890 Speaker 4: our ministerial alliances. So we do a lot of our 98 00:05:16,930 --> 00:05:19,669 Speaker 4: workshops in the churches because when you have heavy burden 99 00:05:19,710 --> 00:05:22,080 Speaker 4: and you're really laying down, where do you take it? 100 00:05:22,110 --> 00:05:25,050 Speaker 4: You take it to the rock, am I right? So 101 00:05:25,350 --> 00:05:27,710 Speaker 4: we work with those churches and say, when you have 102 00:05:27,790 --> 00:05:31,470 Speaker 4: people that in your congregations is facing hardships and things 103 00:05:31,510 --> 00:05:34,430 Speaker 4: of that nature, Bring them to NACA. If there's anything 104 00:05:34,490 --> 00:05:37,230 Speaker 4: dealing with the rooftop, under the roof, you can bring 105 00:05:37,250 --> 00:05:40,299 Speaker 4: them to NACA. And we are now doing more advocacy 106 00:05:40,640 --> 00:05:43,760 Speaker 4: to make sure that things that are plaguing your community 107 00:05:43,880 --> 00:05:49,500 Speaker 4: outside of the home— roads, streetlights, boarded-up properties, eyesores in the community, 108 00:05:49,620 --> 00:05:55,279 Speaker 4: food deserts, and so on— we are taking those fights to Congress. 109 00:05:55,560 --> 00:05:58,760 Speaker 4: to the city, to the state rep, to our senators. 110 00:05:59,000 --> 00:06:01,770 Speaker 4: We're taking that fight because guess what? When you show 111 00:06:01,850 --> 00:06:03,969 Speaker 4: up little Miss Mary Allen that lives on the corner 112 00:06:04,010 --> 00:06:06,370 Speaker 4: house with the crack house or the boarded up house 113 00:06:06,430 --> 00:06:08,450 Speaker 4: next to her, when she show up to a city 114 00:06:08,490 --> 00:06:11,330 Speaker 4: hall meeting, she's a voice of one. But when you 115 00:06:11,350 --> 00:06:14,030 Speaker 4: bring the NACA members and you're showing up in 200 116 00:06:14,029 --> 00:06:18,660 Speaker 4: in droves, they'll listen to her. power. There's number, there's 117 00:06:18,700 --> 00:06:22,460 Speaker 4: power in numbers. So we are an advocacy organization first, 118 00:06:22,830 --> 00:06:26,630 Speaker 4: but how, why people don't know about the program is 119 00:06:26,670 --> 00:06:29,370 Speaker 4: because people think it is too good to be true. 120 00:06:29,750 --> 00:06:34,210 Speaker 4: Many know. They write their own declination letter, Mr. 121 00:06:34,230 --> 00:06:34,650 Speaker 5: McDonald. 122 00:06:34,910 --> 00:06:37,940 Speaker 4: And when you write your own declination letter, you're blocking 123 00:06:37,980 --> 00:06:40,920 Speaker 4: your blessing. Don't do that. Don't do that. Wow. 124 00:06:41,560 --> 00:06:44,880 Speaker 5: Are you telling the truth now? You're telling the truth, Ms. 125 00:06:44,900 --> 00:06:48,960 Speaker 3: Dowell, because, you know, that's why I'm glad I'm talking 126 00:06:48,980 --> 00:06:51,440 Speaker 3: to you, because it's a different voice other than Bruce. 127 00:06:51,700 --> 00:06:54,430 Speaker 3: Because I've had Bruce on several shows of mine, and 128 00:06:54,460 --> 00:06:57,730 Speaker 3: every time I get texts from people, is he telling 129 00:06:57,750 --> 00:06:58,170 Speaker 3: the truth? 130 00:06:58,650 --> 00:06:58,909 Speaker 4: Really? 131 00:06:59,390 --> 00:06:59,610 Speaker 6: Really? 132 00:07:00,210 --> 00:07:03,650 Speaker 3: Because, you know, we can get stereotyped or we can 133 00:07:03,670 --> 00:07:07,350 Speaker 3: get mindsets. That this is how it can only happen 134 00:07:07,390 --> 00:07:11,310 Speaker 3: this way. And that really is why I kind of 135 00:07:11,350 --> 00:07:14,600 Speaker 3: repeat guests. People always say, Richelle, you had that person 136 00:07:14,620 --> 00:07:16,800 Speaker 3: on a couple months ago. Yes, because I'm trying to 137 00:07:16,840 --> 00:07:19,790 Speaker 3: let people know that That is a reality. It's an 138 00:07:19,910 --> 00:07:22,430 Speaker 3: opportunity for you to participate. But if you don't keep 139 00:07:22,510 --> 00:07:25,390 Speaker 3: hearing it, you might blow it off. And you might be, 140 00:07:25,530 --> 00:07:27,610 Speaker 3: just some information you might need to share with a 141 00:07:27,730 --> 00:07:30,170 Speaker 3: friend or a relative, but you didn't think it was 142 00:07:30,270 --> 00:07:32,650 Speaker 3: real because you didn't soak in the information. But if 143 00:07:32,690 --> 00:07:35,070 Speaker 3: you hear it again and hear it again, then you 144 00:07:35,110 --> 00:07:37,590 Speaker 3: might pass that information or you might take that information 145 00:07:37,870 --> 00:07:40,010 Speaker 3: and that information can change your life. And we're talking 146 00:07:40,030 --> 00:07:42,190 Speaker 3: about the NACA program. I want to bring a caller 147 00:07:42,290 --> 00:07:45,370 Speaker 3: on the line. She called in early. She's a senior citizen, Ms. 148 00:07:45,390 --> 00:07:46,190 Speaker 5: Dow. 149 00:07:46,770 --> 00:07:50,460 Speaker 3: She's a NACA homeowner. And she has a rate of 2.6. 150 00:07:50,460 --> 00:07:53,110 Speaker 3: And she has some repair questions. So, Mignon, are you 151 00:07:53,120 --> 00:07:53,550 Speaker 3: still on? 152 00:07:54,690 --> 00:07:56,230 Speaker 4: I am. Yes. Ms. 153 00:07:56,250 --> 00:07:58,130 Speaker 5: Dowell here, the National Director of NACA. 154 00:07:58,490 --> 00:08:00,610 Speaker 3: I don't know if she can answer your question, but 155 00:08:00,650 --> 00:08:02,600 Speaker 3: I do know that you're in the program. And she 156 00:08:02,640 --> 00:08:06,680 Speaker 3: just said, when you call, y'all respond. So please ask 157 00:08:06,700 --> 00:08:07,300 Speaker 3: her your question. 158 00:08:08,450 --> 00:08:12,050 Speaker 6: Okay. I heard you mention something about a rehab program, 159 00:08:12,250 --> 00:08:14,590 Speaker 6: and I'm wondering if that's something that I could take 160 00:08:14,610 --> 00:08:18,110 Speaker 6: advantage of. In my situation, my house needs lots of repairs. 161 00:08:18,570 --> 00:08:20,390 Speaker 6: I am a senior. I don't make a lot of money, 162 00:08:20,950 --> 00:08:23,470 Speaker 6: and refining would just throw me totally out of the 163 00:08:23,510 --> 00:08:25,530 Speaker 6: pocket because it would triple my mortgage. So I'm trying 164 00:08:25,570 --> 00:08:27,350 Speaker 6: to figure out a way to get these repairs done. 165 00:08:29,080 --> 00:08:33,239 Speaker 4: Absolutely. So what we have is a rehab program. So 166 00:08:33,300 --> 00:08:36,140 Speaker 4: our rehab program, you still come to a workshop or 167 00:08:36,179 --> 00:08:39,690 Speaker 4: you come to get the comprehensive counseling and things like that. 168 00:08:40,010 --> 00:08:42,449 Speaker 4: And then we make a determination. Obviously, we're going to 169 00:08:42,490 --> 00:08:44,850 Speaker 4: look at values of the property and things like that. 170 00:08:44,929 --> 00:08:47,710 Speaker 4: And we're also going to look at three things, code, safety, 171 00:08:47,750 --> 00:08:50,630 Speaker 4: and health. We're going to see if those repairs that 172 00:08:50,710 --> 00:08:53,790 Speaker 4: need to happen in your home are in need of 173 00:08:53,910 --> 00:08:58,839 Speaker 4: repair due to code violations, safety, or health issues. It 174 00:08:58,860 --> 00:09:01,420 Speaker 4: could be mold. It could be age. It could be pipe, 175 00:09:02,020 --> 00:09:05,550 Speaker 4: different things. And based on that, we'll qualify you and 176 00:09:05,570 --> 00:09:08,059 Speaker 4: get you qualified. Now, I heard you say fixed income. 177 00:09:08,500 --> 00:09:11,179 Speaker 4: Do not let that stop you because guess what? Fixed 178 00:09:11,260 --> 00:09:14,260 Speaker 4: income is just as good as any because we know 179 00:09:14,320 --> 00:09:16,900 Speaker 4: what you're making every single month. We know what you're 180 00:09:16,920 --> 00:09:19,300 Speaker 4: bringing in. We just need to sit down and counsel 181 00:09:19,340 --> 00:09:21,970 Speaker 4: you on what's going out and get to that sweet 182 00:09:21,990 --> 00:09:25,550 Speaker 4: spot on how this rehab will work for you. But, yes, ma'am, 183 00:09:25,610 --> 00:09:29,910 Speaker 4: we will be able to help you. Everybody's situation is different, 184 00:09:29,950 --> 00:09:33,090 Speaker 4: but I hear you say fixed income. That's good because 185 00:09:33,150 --> 00:09:38,230 Speaker 4: you got steady income coming in regardless of the amount. Excellent. 186 00:09:38,330 --> 00:09:40,150 Speaker 6: And how would I get more information on the program? 187 00:09:41,110 --> 00:09:43,340 Speaker 4: Absolutely. Let me give you that information. You can go 188 00:09:43,400 --> 00:09:49,540 Speaker 4: to our website at www.naca.com. That's www.naca.com. 189 00:09:50,470 --> 00:09:53,630 Speaker 7: Please don't go anywhere. We'll be right back with more 190 00:09:53,730 --> 00:10:02,490 Speaker 7: Money Making Conversations Masterclass. Welcome back to the Money Making 191 00:10:02,550 --> 00:10:08,220 Speaker 7: Conversations Masterclass hosted by Rashawn McDonald. Money Making Conversations Masterclass 192 00:10:08,340 --> 00:10:14,400 Speaker 7: continues online at moneymakingconversations.com and follow Money Making Conversations Masterclass 193 00:10:14,540 --> 00:10:16,380 Speaker 7: on Facebook, Twitter, and Instagram. 194 00:10:17,730 --> 00:10:18,350 Speaker 4: Thank you. 195 00:10:18,410 --> 00:10:19,189 Speaker 6: Thank you so much. 196 00:10:19,410 --> 00:10:20,309 Speaker 5: I'm glad you called back. 197 00:10:20,730 --> 00:10:22,630 Speaker 4: Be encouraged, Mr. Be encouraged. 198 00:10:22,870 --> 00:10:26,490 Speaker 3: One thing I'm going to let you know, you get 199 00:10:26,510 --> 00:10:30,320 Speaker 3: me fired up. Is this just natural? I mean, seriously, 200 00:10:31,240 --> 00:10:35,300 Speaker 3: I'm enthused, and I know what I'm walking into. Mark 201 00:10:35,360 --> 00:10:39,490 Speaker 3: is my man. Bruce calls in, but I'm out to 202 00:10:39,500 --> 00:10:43,110 Speaker 3: tell Bruce I'm trading him in for you. I'm trading 203 00:10:43,130 --> 00:10:45,390 Speaker 3: him in. I'm trading Bruce in. 204 00:10:45,670 --> 00:10:48,570 Speaker 5: He's good. But I'm telling you something, you are an 205 00:10:48,630 --> 00:10:49,870 Speaker 5: inspiration and it's. 206 00:10:49,850 --> 00:10:54,090 Speaker 3: Needed because so many people come to you, come to 207 00:10:54,150 --> 00:10:56,010 Speaker 3: this organization in disbelief. 208 00:10:56,460 --> 00:10:57,080 Speaker 5: They're down. 209 00:10:57,100 --> 00:11:00,720 Speaker 3: They feel what they're asking for is an impossibility. There's 210 00:11:00,760 --> 00:11:03,760 Speaker 3: no hope. There's no plan of action. They've been told no. 211 00:11:04,179 --> 00:11:09,859 Speaker 3: They've felt the possibility of ownership even is so remote 212 00:11:09,900 --> 00:11:13,860 Speaker 3: and so distant. And that Home ownership can change a 213 00:11:13,920 --> 00:11:15,690 Speaker 3: person's life, correct? 214 00:11:16,950 --> 00:11:21,080 Speaker 4: Mr. McDonald, you said it best. It is a transforming, 215 00:11:21,500 --> 00:11:24,700 Speaker 4: it is a life-changing. Home ownership, let me tell you something. 216 00:11:25,390 --> 00:11:27,949 Speaker 4: I am originally from Louisiana and I had a big 217 00:11:28,010 --> 00:11:30,930 Speaker 4: mama animal idea. And the one thing I noticed about them, 218 00:11:31,450 --> 00:11:34,850 Speaker 4: all of them, they own their own home. Why is it? 219 00:11:35,130 --> 00:11:38,250 Speaker 4: And it was more difficult then. So why is it 220 00:11:38,290 --> 00:11:41,030 Speaker 4: so hard for us to do it now? We gravitate 221 00:11:41,050 --> 00:11:44,050 Speaker 4: to renting and doing that because we feel like, or 222 00:11:44,090 --> 00:11:46,410 Speaker 4: we think that no one is going to help us. 223 00:11:46,530 --> 00:11:48,390 Speaker 4: No one is going to be able to come and 224 00:11:48,410 --> 00:11:51,140 Speaker 4: save us. Home ownership is not obtainable for me. And 225 00:11:51,179 --> 00:11:53,439 Speaker 4: I want them to shake that out of their minds. 226 00:11:54,010 --> 00:11:56,830 Speaker 4: Take that negativity out. Shake it out because that ain't 227 00:11:56,870 --> 00:11:58,770 Speaker 4: nothing but the devil talking. Let me tell you something. 228 00:11:59,610 --> 00:12:03,420 Speaker 4: If we can go from Target to Walmart to this 229 00:12:03,500 --> 00:12:07,240 Speaker 4: store to that store to save 10, 15, 20 cents 230 00:12:07,620 --> 00:12:10,530 Speaker 4: or save a dollar, we bargain shop all day. Why 231 00:12:10,550 --> 00:12:13,680 Speaker 4: won't we put that same interest and same investment in us? 232 00:12:14,190 --> 00:12:18,260 Speaker 4: In our family, in our livelihood, our generational wealth, leaving 233 00:12:18,300 --> 00:12:21,880 Speaker 4: something behind. The one thing our grandparents did, they left 234 00:12:22,000 --> 00:12:24,660 Speaker 4: things behind. That's why I get sad. It breaks my 235 00:12:24,679 --> 00:12:26,940 Speaker 4: heart when we sell in Big Mama's house and we're 236 00:12:27,040 --> 00:12:30,890 Speaker 4: selling Madea's house. No, hold on to it. The wealth 237 00:12:30,990 --> 00:12:33,980 Speaker 4: is in the land. Right. That's where your wealth is. 238 00:12:34,760 --> 00:12:37,079 Speaker 4: You can send your children to college off that land 239 00:12:37,540 --> 00:12:38,620 Speaker 4: and still own your home. 240 00:12:38,679 --> 00:12:39,920 Speaker 5: You come through America. 241 00:12:39,980 --> 00:12:43,540 Speaker 4: We show you how to do that over and over 242 00:12:43,600 --> 00:12:46,140 Speaker 4: and over again. We show you how to do this. 243 00:12:46,460 --> 00:12:50,560 Speaker 4: It is critically important that you understand that homeownership is 244 00:12:50,600 --> 00:12:53,500 Speaker 4: where it's at. And if you think you cannot afford 245 00:12:53,540 --> 00:12:56,870 Speaker 4: a home and you think homeownership is not obtainable, all 246 00:12:56,920 --> 00:13:00,949 Speaker 4: you got to do is take one step. One step. Call. 247 00:13:01,410 --> 00:13:01,809 Speaker 7: Come. 248 00:13:02,190 --> 00:13:06,589 Speaker 4: Wherever we are, call or come. And just try. Nothing 249 00:13:06,630 --> 00:13:10,189 Speaker 4: beats a failure but a try. Just come and try. Woo! Woo! 250 00:13:10,210 --> 00:13:14,430 Speaker 4: Come on now. Come on. We just closed on somebody 251 00:13:14,620 --> 00:13:19,939 Speaker 4: in NACA. Just closed. 420 credit score. 420. And they 252 00:13:19,980 --> 00:13:24,220 Speaker 4: got a four-bedroom, two-and-a-half bath home. And it's only two 253 00:13:24,280 --> 00:13:26,780 Speaker 4: years old. We don't tell you where to stay. You 254 00:13:26,820 --> 00:13:29,400 Speaker 4: go out and pick. Once you get qualified, you pick. 255 00:13:29,420 --> 00:13:32,970 Speaker 4: You go house shopping like any other person would. And 256 00:13:33,010 --> 00:13:35,910 Speaker 4: you go and you shop for your dream home. Now, 257 00:13:35,950 --> 00:13:39,830 Speaker 4: guess what? It may not be your last stop, but 258 00:13:40,030 --> 00:13:42,750 Speaker 4: if it gets your foot in the door, somebody told 259 00:13:42,770 --> 00:13:44,260 Speaker 4: me all I got to do is get, if I 260 00:13:44,300 --> 00:13:46,420 Speaker 4: get the first half of my foot in, I'll wiggle 261 00:13:46,440 --> 00:13:48,819 Speaker 4: the rest of it. That's all you need to do. 262 00:13:49,340 --> 00:13:52,080 Speaker 4: NACA can be that bridge. That's the step you need. 263 00:13:52,420 --> 00:13:55,400 Speaker 4: It doesn't have to be the end, your end step, 264 00:13:55,690 --> 00:13:59,370 Speaker 4: but let it be your beginning. No credit for requirement. 265 00:13:59,530 --> 00:14:02,610 Speaker 4: It has nothing to do with credit. Make me understand 266 00:14:02,650 --> 00:14:05,650 Speaker 4: why you can pay $ 1, 000 in rent and that can't 267 00:14:05,710 --> 00:14:08,240 Speaker 4: go towards your principal interest tax and insurance on a home. 268 00:14:09,050 --> 00:14:12,480 Speaker 4: Shake that off. Shake that negativity off. I'm talking to 269 00:14:12,500 --> 00:14:14,900 Speaker 4: the people who are sick and tired of being sick 270 00:14:14,940 --> 00:14:18,100 Speaker 4: and tired. I'm talking to the people who think that 271 00:14:18,160 --> 00:14:20,730 Speaker 4: this is their final step and no other hope is 272 00:14:20,800 --> 00:14:23,010 Speaker 4: out there for them. I'm talking to the people who 273 00:14:23,070 --> 00:14:26,390 Speaker 4: know that their next half won't look like their past half. 274 00:14:26,650 --> 00:14:28,570 Speaker 4: I'm talking to the people who are tired of making 275 00:14:28,570 --> 00:14:31,780 Speaker 4: $ 1 out of $ 0. 15. I'm talking to the people who 276 00:14:31,820 --> 00:14:34,140 Speaker 4: know that they're the head, not the tail. I'm talking 277 00:14:34,180 --> 00:14:36,030 Speaker 4: to the people who know that they're the lender, never 278 00:14:36,050 --> 00:14:37,350 Speaker 4: the borrower. 279 00:14:37,830 --> 00:14:38,430 Speaker 5: Come on now. 280 00:14:38,450 --> 00:14:39,790 Speaker 4: There's nothing wrong with that. 281 00:14:39,810 --> 00:14:39,880 Speaker 6: Ms. 282 00:14:39,890 --> 00:14:41,530 Speaker 5: Diles, let me ask you this. Let me ask you this. 283 00:14:42,050 --> 00:14:44,790 Speaker 3: What is the experience that you're taking from city to city, 284 00:14:45,290 --> 00:14:48,790 Speaker 3: and how does one have to pay admission to go 285 00:14:48,830 --> 00:14:52,010 Speaker 3: to these conferences? How does that work, and what is 286 00:14:52,210 --> 00:14:54,980 Speaker 3: the experience? Is it a three-day event, a two-day event? 287 00:14:55,010 --> 00:14:55,460 Speaker 5: What is it? 288 00:14:56,520 --> 00:14:58,890 Speaker 4: I'm going to tell you exactly what it is. It 289 00:14:59,150 --> 00:15:03,080 Speaker 4: is a four-day event It's a four-day event. And what 290 00:15:03,120 --> 00:15:06,140 Speaker 4: it is, and all services are free. All services are free. 291 00:15:06,400 --> 00:15:09,140 Speaker 4: And we go from sunup to sundown. We're there for you. 292 00:15:09,500 --> 00:15:11,800 Speaker 4: And you don't have to come all four days. Don't 293 00:15:11,840 --> 00:15:14,060 Speaker 4: get it twisted. It's not all four days that you 294 00:15:14,100 --> 00:15:16,940 Speaker 4: have to come. We try to do two workdays and 295 00:15:16,980 --> 00:15:19,880 Speaker 4: two weekends. The reason why we do that is to 296 00:15:19,920 --> 00:15:22,280 Speaker 4: make it easy. Remember I talked to you about access, 297 00:15:22,440 --> 00:15:25,239 Speaker 4: bringing forth awareness, access, and change? We want to make 298 00:15:25,280 --> 00:15:27,980 Speaker 4: sure we give you access, whether the people are working 299 00:15:28,080 --> 00:15:30,380 Speaker 4: on the weekday and off on the weekend. we got 300 00:15:30,400 --> 00:15:32,490 Speaker 4: you covered. If you're working on the weekend and off 301 00:15:32,540 --> 00:15:35,210 Speaker 4: on the weekday, we got you covered. So that's why we, 302 00:15:35,230 --> 00:15:38,110 Speaker 4: we spread it out for straight days. And sometimes we 303 00:15:38,150 --> 00:15:38,890 Speaker 4: even do five. 304 00:15:39,450 --> 00:15:39,690 Speaker 7: Wow. 305 00:15:40,030 --> 00:15:44,530 Speaker 3: Now, so, so when, when go tell me about things, 306 00:15:45,010 --> 00:15:48,020 Speaker 3: you know, I'm stuttering because. 307 00:15:49,320 --> 00:15:49,860 Speaker 5: People don't know. 308 00:15:50,140 --> 00:15:51,700 Speaker 4: It sounds too good to be true. 309 00:15:51,820 --> 00:15:53,640 Speaker 5: And people don't know. And plus people don't know. And 310 00:15:53,680 --> 00:15:54,200 Speaker 5: people don't know. 311 00:15:54,280 --> 00:15:58,430 Speaker 3: And, um, and I, and you know, um, All I 312 00:15:58,480 --> 00:16:03,860 Speaker 3: want people to do is understand the reality that change 313 00:16:03,900 --> 00:16:06,400 Speaker 3: can be possible with effort, like you said. If you 314 00:16:06,420 --> 00:16:10,860 Speaker 3: don't try, then you can't win. But more importantly, the 315 00:16:10,900 --> 00:16:16,260 Speaker 3: process is that my father, my mother, our first home, 316 00:16:16,320 --> 00:16:19,100 Speaker 3: they owned it, you know, and they bought another home. 317 00:16:19,180 --> 00:16:22,660 Speaker 3: So I at least had the mindset that I could 318 00:16:22,780 --> 00:16:25,040 Speaker 3: own a home because I saw them do it. And 319 00:16:25,090 --> 00:16:27,790 Speaker 3: I think that's what I'm trying to get an adult 320 00:16:27,820 --> 00:16:30,960 Speaker 3: to hear my voice and saying that you can't change 321 00:16:31,000 --> 00:16:34,580 Speaker 3: the mindset of your children. If you don't try, you 322 00:16:34,620 --> 00:16:36,780 Speaker 3: can't change their mind. Cause they'll feel that that's all 323 00:16:36,820 --> 00:16:39,000 Speaker 3: they can be. That's all they can live up to. 324 00:16:39,600 --> 00:16:42,650 Speaker 3: They don't know that they can actually have the front 325 00:16:42,690 --> 00:16:45,270 Speaker 3: yard in the backyard, you know, that they can walk 326 00:16:45,410 --> 00:16:48,230 Speaker 3: out and, and live in a community with a better, 327 00:16:48,270 --> 00:16:52,070 Speaker 3: better education setting for them and live a lifestyle. And 328 00:16:52,110 --> 00:16:54,510 Speaker 3: then you can see your property value go up and 329 00:16:54,550 --> 00:16:57,020 Speaker 3: get equity into that property and And then you can, 330 00:16:57,060 --> 00:16:59,940 Speaker 3: like you said, use that equity and fund your child's 331 00:17:00,020 --> 00:17:03,580 Speaker 3: education if they decide to go to college. That's what 332 00:17:03,620 --> 00:17:06,860 Speaker 3: home ownership brings. And a lot of people don't understand that. 333 00:17:07,220 --> 00:17:10,310 Speaker 3: And it really eats away with me. It eats at 334 00:17:10,369 --> 00:17:12,490 Speaker 3: me because of the fact that my whole goal is 335 00:17:12,530 --> 00:17:16,530 Speaker 3: to provide information. And that's why your presence on the 336 00:17:16,590 --> 00:17:21,120 Speaker 3: show is important because if I don't give this opportunity 337 00:17:21,170 --> 00:17:24,919 Speaker 3: to everyday people that this program is available to them, 338 00:17:24,940 --> 00:17:27,600 Speaker 3: because I'm going to tell you, I met Bruce on 339 00:17:28,420 --> 00:17:31,440 Speaker 3: another radio show I was doing, and I swear to you, 340 00:17:33,030 --> 00:17:35,470 Speaker 3: I interviewed him. I hung up the phone, and I went, 341 00:17:35,810 --> 00:17:36,370 Speaker 3: that ain't true. 342 00:17:37,330 --> 00:17:43,830 Speaker 5: Seriously. People say, well, he was a good interviewer, but 343 00:17:44,030 --> 00:17:44,690 Speaker 5: none of that's true. 344 00:17:45,150 --> 00:17:48,100 Speaker 3: And then I interviewed him again, and then I slowed down. 345 00:17:48,160 --> 00:17:49,240 Speaker 3: I'm going to just tell you something. 346 00:17:49,260 --> 00:17:49,740 Speaker 5: I slowed down. 347 00:17:50,220 --> 00:17:53,260 Speaker 3: I started asking questions. So section eight, I said, what 348 00:17:53,300 --> 00:17:53,880 Speaker 3: are the fees? 349 00:17:53,980 --> 00:17:58,490 Speaker 5: None. Okay. Okay. So how do they get into the event? 350 00:17:58,570 --> 00:17:58,790 Speaker 4: Free. 351 00:18:01,170 --> 00:18:07,230 Speaker 3: Okay. Maybe he's not hearing the right trick question. So 352 00:18:07,450 --> 00:18:10,830 Speaker 3: they go in. So where do the trick move at? 353 00:18:10,910 --> 00:18:12,729 Speaker 3: Where do the trick move at? Where are they going 354 00:18:12,760 --> 00:18:15,340 Speaker 3: to get spun around and realize that they're really going 355 00:18:15,359 --> 00:18:18,500 Speaker 3: to get their check tied up, that they can't buy nothing, 356 00:18:18,540 --> 00:18:20,540 Speaker 3: but there's a little hole in the wall. 357 00:18:20,940 --> 00:18:21,500 Speaker 5: That's not true. 358 00:18:22,260 --> 00:18:24,080 Speaker 3: You go, you're qualified, you go out and pick the 359 00:18:24,119 --> 00:18:27,940 Speaker 3: home that you are qualified for. That's right. 360 00:18:28,920 --> 00:18:32,680 Speaker 4: And you know what? The success is on the website. 361 00:18:32,880 --> 00:18:36,170 Speaker 4: We allow our members to go in and put their 362 00:18:36,250 --> 00:18:40,170 Speaker 4: successes out there. It's not scripted. They tell you the 363 00:18:40,310 --> 00:18:44,710 Speaker 4: God gospel truth. They will tell you about their experience, good, bad, right, wrong, 364 00:18:44,750 --> 00:18:47,100 Speaker 4: and indifferent. They will put it on our website. So 365 00:18:47,119 --> 00:18:49,060 Speaker 4: if you really want to know the real deal, we 366 00:18:49,080 --> 00:18:52,740 Speaker 4: don't craft that and script them and cute it up 367 00:18:52,800 --> 00:18:54,859 Speaker 4: and pretty it up. No, that's them in front of 368 00:18:54,900 --> 00:18:57,409 Speaker 4: their home. That's them telling their story. That's them. And 369 00:18:57,490 --> 00:19:01,020 Speaker 4: sometimes it's not always a great, great thing. Some of them, 370 00:19:01,080 --> 00:19:04,020 Speaker 4: it takes a while. Some of them have real life. 371 00:19:04,260 --> 00:19:07,129 Speaker 4: Life is happening. And they'll put that on there. It 372 00:19:07,170 --> 00:19:09,869 Speaker 4: took me a year, but I'm here. Here I am, y'all. 373 00:19:10,190 --> 00:19:15,390 Speaker 4: So always check the website out at www.naca.com because all 374 00:19:15,430 --> 00:19:18,930 Speaker 4: of it's out there. We have 15-year, 20-year, and 30-year 375 00:19:18,970 --> 00:19:24,390 Speaker 4: mortgages going at 5.25 and 4.75 and 5.25. Guess what? 376 00:19:24,690 --> 00:19:27,620 Speaker 4: You can buy down your interest rate to 0%, virtually nothing. 377 00:19:29,570 --> 00:19:32,540 Speaker 4: So we got a truck driver just recently closed. He 378 00:19:32,800 --> 00:19:34,780 Speaker 4: never thought he was going to own a home. His 379 00:19:34,859 --> 00:19:36,560 Speaker 4: boys were telling him, man, they ain't going to give 380 00:19:36,580 --> 00:19:39,040 Speaker 4: you no home. No, ain't nobody going to give you nothing. 381 00:19:39,200 --> 00:19:39,889 Speaker 4: He earned it. 382 00:19:40,680 --> 00:19:41,280 Speaker 2: It was his. 383 00:19:41,300 --> 00:19:44,570 Speaker 4: And he shook them, paid us off. Guess what? All 384 00:19:44,590 --> 00:19:46,030 Speaker 4: of them trying to come over his house now. 385 00:19:46,609 --> 00:19:50,970 Speaker 5: I love it. I love it. I love talking to 386 00:19:51,030 --> 00:19:53,260 Speaker 5: you again. We're about to wrap up the show. I 387 00:19:54,260 --> 00:19:55,900 Speaker 5: want to thank you for coming on the show. 388 00:19:55,920 --> 00:19:58,060 Speaker 3: I want to thank you for providing hope. 389 00:19:58,520 --> 00:20:00,020 Speaker 5: But not only hope, but reality. 390 00:20:00,440 --> 00:20:03,480 Speaker 3: Again, tell Bruce I appreciate it, but his stand-in is 391 00:20:03,530 --> 00:20:04,690 Speaker 3: my regular end, okay? 392 00:20:04,710 --> 00:20:07,989 Speaker 5: So you regular now. Tell Bruce I love him, but 393 00:20:08,030 --> 00:20:10,510 Speaker 5: I love Ms. Dow more, okay? Thank you for calling 394 00:20:10,530 --> 00:20:12,730 Speaker 5: in and telling us about the NACA program. It's an 395 00:20:12,770 --> 00:20:17,950 Speaker 5: amazing program. Please, go to www.naca.com. Go there and check 396 00:20:17,970 --> 00:20:18,209 Speaker 5: it out. 397 00:20:19,090 --> 00:20:22,720 Speaker 3: This has been another edition of Money-Making Conversations Masterclass, hosted 398 00:20:22,780 --> 00:20:24,280 Speaker 3: by me, Rashawn McDonald. 399 00:20:24,619 --> 00:20:26,580 Speaker 1: Thank you to our guests on the show today. And 400 00:20:26,660 --> 00:20:28,540 Speaker 1: thank you, our listening audience. 401 00:20:28,840 --> 00:20:29,399 Speaker 5: Now, if you want to. 402 00:20:29,400 --> 00:20:31,510 Speaker 1: Listen to any episode or want to be a guest 403 00:20:31,630 --> 00:20:37,780 Speaker 1: on the show, visit MoneyMakingConversations.com. Our social media handle is MoneyMakingConversations. 404 00:20:38,170 --> 00:20:40,600 Speaker 1: Join us next week. And remember to always lead with 405 00:20:40,619 --> 00:20:41,060 Speaker 1: your gifts. 406 00:20:41,520 --> 00:20:42,060 Speaker 5: Keep winning.