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@MarcelArtrell Ай бұрын
Careerist is a SCAM!!!! After my cohort got into, and completed the course they said they no longer applied to jobs for you through their “job applying software”! The mentors were hostile to the participants in slack… I have the whole interaction screen recorded. They do not refund you your money of your don’t find a job in a year! They lied about so much, and not got money from lenders, and now we are the ones in debt!!!!!
@GabrielManzanero 3 ай бұрын
Also you can get an SDR BdR role without a bootcamp or even a high school diploma I really think Cyrus needs to stop promoting them
@janoahrhodes 2 ай бұрын
Where ? And how? 👀
@GabrielManzanero 3 ай бұрын
I went through a careerist training for sale engineering and also hired a linked in and resume consultant after having a polished resume and linked in and feeling very confident and ready to start in the position I haven’t gotten one interview offer. For note I have never had a problem getting an interview and I always get the job after getting them. So I reached out to careerist after having problems and their career “coaches” told me that to be able to use their money back guarantee I would have to apply to 100 jobs a day and if I never got a job off they would then refund my money. No problem I was already doing close to that if not more. The problem is they want me to apply to SDR and BDR roles and accept those positions. But after being in sales before and doing a bootcamp for sales also I decided I wanted something different for myself. This I why I took the SE bootcamp through careerist which was recommended by TechIsTheNewBlack on KZfaq. But ultimately it was a money grab from the start he initially paid $1200 when I went to ask about pricing it was $3500 so I started saving 3 months later when it came time to start they had raised the price to $7500 and I fought them on it and they honored the initial $3500 price. But ultimately although the course did teach me a lot it was a scam in the sense that all their students are getting the jobs with all these big tech companies and it’s backed by a guarantee. They don’t tell you that you’ll have to accept an SDR and BDR role first and then in 6 months to a year hopefully if everything goes well you maybe able to make a lateral move to an SE position. Ultimately buyer beware CAREERIST IS A SCAM! But I am still trying to apply to SE roles alas with no success. My energy for it is starting to wane though. My current job is very energy and time demanding and adding four hours of job apps to my very strenuous day isn’t super sustainable and pretty exhausting I’ve been at it since August. Idk if I have much left in the gas tank. I applied to tech for a better work life balance but since I’ve started trying it’s actually led to a worse quality of life and absolutely atrocious mental health. I’ve been put on antidepressants and had suicidal thoughts. I’m seriously considering giving up on the venture all together and maybe learning something different. Thanks for all you do I’ll take any advice you have, even if it’s someone I should consult. Peace ✌🏽
@bigstv15 4 ай бұрын
So... At the end of the day you did the bootcamp and got hired.. i dont see the problem 😂. If people are saying that tech companies are hiring people of color(im a person of color by the way) or have a need for them but the numbers dont statistically add up that's another issue in the tech industry as a whole, not a fault with careerist. I would re title the video its misleading.
@HardenTheGift 4 ай бұрын
The program is literally lying by falsely advertising its value proposition. It sounds like you missed the whole point.
@bigstv15 4 ай бұрын
@@HardenTheGift ok maybe I did, what exactly is your issue with them? Asking seriously and not in a sarcastic or condescending manner. Genuinely asking to understand your point.
@Dee-zy2xv 2 ай бұрын
@@bigstv15 pretty sure integrity and reputation is more value of an asset than an outlier result. From what I gather if the talk = the walk the results and stats should support. Its apparent Careerist fails miserably in that regard and that is the bigger picture .
@angiedee2722 4 ай бұрын
I agree. I did manual QA in careerist still haven’t landed a job. Im not blk but a minority yes.
@HardenTheGift 4 ай бұрын
Hey Angie - it's difficult to break into tech in spite of your racial/ethnic background. If possible, you want to continue doing projects to gain experience until you make that break. Best to you.
@planetstar524 3 ай бұрын
Careerist is a scam
@EMPOR5615 4 ай бұрын
Lmao Careerist scammed me too man. I knew it was over week one. The whole thing was janky
@HardenTheGift 4 ай бұрын
I'm sorry that happened. Best to you.
@planetstar524 3 ай бұрын
Yeah it's definitely a scam especially about the refund
@ProducedByPOSTA 9 ай бұрын
My brother we need you to take this and run with it!
@ProducedByPOSTA 9 ай бұрын
Attending a workshop this weekend I hope I get someone with your energy!
@TonyMoze 10 ай бұрын
This is sad about Careerist. You’re the 4th (black) person
@HardenTheGift 10 ай бұрын
There are plenty of others finally sharing their views of disappointment, but I really only have the one issue with their marketing.
@Chula92 10 ай бұрын
Great positive feedback
@JameeWoodard 11 ай бұрын
In one year I will qualify for NACA. I am starting getting into the my set of saving and paying off debt. I can’t wait.
@goatf0rm 11 ай бұрын
Went through Careerist over CourseCareers for the same reason you mentioned. You did a great job explaining this. Your application process would be valuable to a lot of people.
@HardenTheGift 10 ай бұрын
Thank you sir. I spent 90 min explaining it to a classmate who found it very valuable. IDK....maybe I'll do a cheap course?
@Rells26 11 ай бұрын
I’m glad they’re getting rid of people being hired just based off color. Affirmative Action is holding us back more than helping
@Rells26 11 ай бұрын
Nah if you landed a BDR for 5k . I’ll be pissed too
@K.desharah Жыл бұрын
Hello I stuck on the budget on the website part. Now do they want to know what I spend for the last 3 months on my bank statement
@HardenTheGift Жыл бұрын
Hello - I'm not sure what their current practices are, but typically, they look at your most recent 12 months of payment history which includes the last 3 months.
@nicoleelizabeth1775 Жыл бұрын
Can you get approved for a 300k home through NACA if other banks are only approving us for 150k?
@Dedric Жыл бұрын
I'm confused as to how Careerist is lying to black people specifically. Like it looks like anyone can hop on there and go through the same processes so how does this pertain to black people specifically
@HardenTheGift Жыл бұрын
The title speaks to the relative distribution of people who enroll in the program. Likely because we tend to be more open to higher-paying opportunities with lower barriers to entry than other groups of people. Also...I think you mean "only" and not "specifically," but in either case, the title does not exclude non-black people.
@Dedric Жыл бұрын
@@HardenTheGift How is it Careerists fault though that black people "tend to be more open to higher-paying opportunities with lower barriers to entry than other groups of people"? If the title does not exclude non-black people then why word it that way? The title makes it seem like Careerist is targeting black people and black people specifically. And I mean specifically. The words can be used interchangeably depending on the topic so I don't know what the point of attempting to correct was for and either way it's not even on topic if you understood what I was implying
@Dedric Жыл бұрын
@@HardenTheGift The title and content of the video makes it seem like Careerist has some kind of mental control over black people. As if we can't choose to research the programs and make a decision on our own. It seems like yet again accountability is being avoided. "Careerist is lying to black people cause you aren't guaranteed a 6 figure career in tech within months". It's dumb
@HardenTheGift Жыл бұрын
@@Dedric I wouldn't blame Careerist for how people make decisions, but I believe that institutions should use honest marketing practices, especially when publicizing expected financial outcomes. Recently, a class-action lawsuit was filed against USC for its marketing practices targeted at low-income communities, and practices by Careerist are similar. The argument about using "Black..." in the title is essentially the same as that used by critics against the slogan "Black Lives Matter." That the exclusion of non-Black people in the title is a way of stating that the lives of non-Black people didn't matter. This logic is incorrect. Also, there is a difference between "specifically" and "only" within the context here. This is because while "Black people" were specified in the text (which you correctly stated), they were not necessarily specified as the only ones impacted. For example, the statement “I went to the park yesterday” does not mean that I was the only one who went to the park yesterday. Ultimately, they were specified because of the disproportionate percentages of Blacks who flock to the program only to be disappointed graduates afterward.
@Dedric Жыл бұрын
@@HardenTheGift Comparing the title of a KZfaq video to a political movement is absurd. Not only is the title pertaining to black people specifically, but you're making them the main topic of video as well. Again how is it Careerist's fault that "Blacks who flock to the program" leave as "disappointed graduates". This comes with anyone trying to use any program. There's people who go to accredited University's paying thousands of dollars only to end up leaving disappointed. You're doing everything, but answering my question. How is Careerist lying to black people specifically, and I mean specifically, when anyone is able to apply and have the same results good or bad. If the title doesn't necessarily exclude the idea that other races are affected then why title it as if black people are the only ones being affected. At the end of the day it seems like you're either avoiding accountability for black people's lack of research before going into these programs or you're purposely titling the video that way to get shock views. Either way it's dumb.
@bklynshelify Жыл бұрын
How do you propose one start the tech industry without college, tech school perhaps
@HardenTheGift Жыл бұрын
There are a number of great tech bootcamps available. I mention two in the video. Careerist worked for me, but it is not a one-stop shop that is right for everyone. And there are more cost-effective alternatives.
@Rells26 11 ай бұрын
Bootcamp for sure
@Rells26 11 ай бұрын
@@HardenTheGiftYou paid 5k to become a BDR with careerist? I’ll be pissed too
@Rells26 11 ай бұрын
One thing people have to remember is that Cyrus landed that job during COVID. The tech space was totally different then and they were hiring everyone because it was a demand for remote workers
@HardenTheGift 11 ай бұрын
@@Rells26 Yes. Timing means a lot. In early 2023, the tech industry had the largest number of layoffs on record. Yes..there are still jobs out there, but landscape has changed quite a bit.
@blackjag121 Жыл бұрын
Hello, Do you have to show child support?
@HardenTheGift Жыл бұрын
Hello - If child support is court ordered it will have to be considered both on the budget and the loan application. But if not court ordered, it depends on the monthly amount as compared to income, and how the support is paid. The exact answer is situational and can only be answered after a mortgage consultant reviews bank statements.
@laurarace5429 Жыл бұрын
Hello and thanks for the information. Do I have to have a savings account for Naca? I'm trying to get prepared with the required paperwork but its so difficult. How I'm going to save if I can't get a house because im a low income? Thanks 😊
@Steve-ge8ji 2 жыл бұрын
I had a young lady with bad spending habits and she started crying after the 4th month because she would save and then spend the money even when I advised her that her ending balance needs to increase by $1000.00 month as she wanted a 2k month mtg payment and her rent was 1k month. she asked for another counselor and the same thing happened.....she dropped out and got a conventional loan and was gifted the down payment by a family member
@LolaShayGL 2 жыл бұрын
Is it possible to get a down payment grant to help with the MRF? Or assist with the process? I have a counselor, but I understand what you mean. I want someone who is really looking to get me a home.
@queenmoebetter6470 2 жыл бұрын
New Subscriber 3-8-22
@queenmoebetter6470 2 жыл бұрын
Hello , what information need to he a house? I have webinar 3-16-22 thanks 🙏🏽
@sutanatyree3758 2 жыл бұрын
Does NACA help with new construction?
@HardenTheGift 2 жыл бұрын
NACA finances new build homes.
@sutanatyree3758 2 жыл бұрын
I have a specific lot where I would like a home built. Can NACA help me build a home?
@HardenTheGift 2 жыл бұрын
@@sutanatyree3758 There are a number of restrictions that would likely disqualify this financing. I recommend attending a workshop to learn more about the qualifications.
@FireVirgoTarot 2 жыл бұрын
Thank you so much for these Gems! Have you personally used NACA or do you plan to?
@HardenTheGift 2 жыл бұрын
You're welcome. NACA is the best loan product in the nation, but the product isn't right for everyone. For example, If your income is above the median for the MSA and you want to by without geographical limits, you should not use NACA. Although I helped many become homeowners through the program, I used an FHA loan to purchase my own home. I might fo a video about the advantages and disadvantages of FHA. Do u think this would be helpful?
@blackbutterfly1517 Жыл бұрын
@@HardenTheGift Yes please do a video on this!
@BeComingNyrell 2 жыл бұрын
May I ask, Which state are you in and why have u abandoned the people 😂😩 I kid hope you’re well!
@cindygomez5414 2 жыл бұрын
So if I’m paying of rent now 1500 because it has gone up by 100 every renewal contract (yearly) but I want to spend no more than 1100 for a mortgage, I wouldn’t need the payment shock that’s my understanding, I want to be completely comfortable paying my mortgage payment and homeowners insurance. I’m in Margate, Florida.
@HardenTheGift 2 жыл бұрын
Correct. You would not have to show payment shock in this situation.
@tyronemosley3352 2 жыл бұрын
@@HardenTheGift I have my first appointment intake session next Month what do I need to be prepared
@adelittastanton 2 жыл бұрын
Shit is fire ngl
@laurarace5429 2 жыл бұрын
Thank you sooo much for this video, we needed to get information from somebody who works with Naca!!
@HardenTheGift 2 жыл бұрын
You're welcome Laura. I no longer work there, but the info should still be relevant. Good luck!
@GalaxyGyrl8888 Жыл бұрын
@@HardenTheGiftwhy don’t you work there anymore?
@catricedrew2428 2 жыл бұрын
Thank you for this video. It’s nice to hear from someone who has first hand knowledge. Appreciate your time.
@msfeefee9980 2 жыл бұрын
Thank you ! I’m praying 2022 will be my year. What if your paying what you want to pay in a home? Do you still have to do the payment shock?
@ashleej527 2 жыл бұрын
From my understanding no! If you go above what your qualified for than yes, you need payment shock.
@aalimfreshboiaa2956 2 жыл бұрын
Gm im going to start the process in February of next year but i wanted to ask you should i pay off my 2 accts thats in collections. One of the items will be 2 years on my acct in march should i pay it off now or wait until i see my mortgage counselor to discuss it
@HardenTheGift 2 жыл бұрын
It is a good thing that you are preparing to pay off the accounts, but I would highly recommend that you not pay off any derogatory accounts until avised to do so. instead work on building your savings.
@mgnaturally4823 2 жыл бұрын
Do you happen to know how to possibly switch counselors? I have been emailing mine for a month with no response. I'm in TN and they have me going through the Memphis office.
@HardenTheGift 2 жыл бұрын
Sorry this happened. I'm not sure whether she's still there, but Memphis used to have a wonderful front desk person, Shalondrea. If she can't help, you'll have to contact membe services.
@gracemoore9904 2 жыл бұрын
Hey there, first thank u so much for these videos it’s been soooo helpful and informative. I do have a question I’m hoping you can help me with. I live in low income housing have been here for 3 years my apartment complex is HUD owned but my partner and I share expenses he pays our rent with his savings account and I pay all of our other bills with my checking I make more than he does And bring in more income but he doesn’t get much money so he withdraws his entire check and we pay our rent with money orders so the savings bank book will not match up with the total in rent? We’ve been here 3 years never been late or missed a payment. This is the only thing I can see holding us up. So can my apartment property manager write out a rental ledger to verify our rental payments and we can write LOE’s for our prior rental payments and continuing forward just pay our rent through my checking account? I don’t want this to push us back we are so ready to do this. I look forward to hearing back from you.
@HardenTheGift 2 жыл бұрын
NACA will be concerned about whether the rent is paid on time, and your savings aftwrwards. if you pay woth money orders, you remember to save the receipts for documentation. Usually, the rental ledger will suffice on its own. Worst case scenario, you will have to documemt 3 months of payments from your account. If you have not done so, I also recommend that you see how much your HCV contribution will be towards the purchase of your home.
@harrington214 2 жыл бұрын
Thank you
@viviannehernandez4515 2 жыл бұрын
Hello! Any advice for me? My situation is that I am a remote worker for a GA medical office. I am permanently remote and my husband is self employed (remodeling construction). We are located in GA wanting to move to TN closer to family. Are we able to start the process now? Do we need to move to TN before starting? Any MC recommendations in TN?
@HardenTheGift 2 жыл бұрын
You can begin the process in GA and get NACA Qualified. The Atlanta office has/had a number of really good counselors. The hispanic/biligual MCs in the Atlanta office are some of the best in the country. I would recommend using them to get qualified and then transferring the qualification to the TN office afterwards (hint: you probably want to tell them that you're looking to get qualified for a purchase in GA). in TN, I think they only have two MCs now, Omar B and Brenda E. Both have been with NACA for years and are competent. I would recommend Omar.
@viviannehernandez4515 2 жыл бұрын
@@HardenTheGift Thank you do much.
@betmak99 3 жыл бұрын
Another piece of advice people. If you do attend the workshop in December, Naca will tell you to hurry up to signup for membership so that you can get an appointment. The truth is that you will not get an appointment for December. Naca will charge you a membership fee for December and another for the next yr during ur intake session e.g if it is January.
@HardenTheGift 2 жыл бұрын
Yes. You should not pat for a membership in December.
@snigglestraggletheatre1749 Жыл бұрын
Thanks for the info ! I can attend the workshop still though ?
@betmak99 3 жыл бұрын
Nahhhh...Actually, it is not a rumor. The truth is that no one gets qualified during the intake session. This is just a gimmick. You guys need to give people better expectations.
@NicoleKe 2 жыл бұрын
Why not if you have everything you/they need?
@betmak99 2 жыл бұрын
@@NicoleKe ask #naca and their games. Intake session is usually someone collecting and reviewing all ur paper work and let u know who ur mc will be. Seeing this mc will now take another 3 months. All I am saying is for naca to be straightforward from the beginning. So that people can better manage their expectations. You don’t have to stress the hell out of people to give them a mortgage because u are actually gaining a lot from people of color. FYI people, their are a lot of hud approved programs out there. Just don’t let naca stress u out
@feliciarichardson7362 3 жыл бұрын
Do you recommend a specific Office in Georgia? I'm in the Atlanta area.
@HardenTheGift 2 жыл бұрын
The Atlanta office has a number of really good counselors. Probably one of the top two offices in the country.
@yvonneshaffer4291 3 жыл бұрын
What if I pay all my bill and rent on time but it’s not reflected in my credit report receipts is enough?
@NicoleKe 2 жыл бұрын
Yes. They will need proof of all the months you paid if it can't be verified.
@SouthernRedOnline 3 жыл бұрын
My brother we need you to post more videos and continue dropping knowledge!
@karendurkin6787 3 жыл бұрын
Can you help me! I’ve been at this for almost a year I started in July 2020 I’ve had all my stuff I got canceled online meeting several times I had to go through different counselors. I have a good counselor now I’m at the point where I should get approved. I mean how long does it take to get approved I’ve been waiting for almost a month and I have all my paperwork in.
@HardenTheGift 3 жыл бұрын
Getting a good counselor is more than half the battle. I no longer work for NACA, but it sounds like you're on the right track. Best to you!
@sugatampa9835 3 жыл бұрын
Thanks for the video!!
@ManifestingMillionaire369 3 жыл бұрын
Hi. Can you fast track me? My appointment is in July.
@HardenTheGift 3 жыл бұрын
Unfortunately, I no longer work for NACA, but I might know someone who can. Which state are you in?
@robyn5201316 3 жыл бұрын
It's really hard when you have a counselor who is completely unresponsive, office manager unresponsive, naca services unresponsive, etc....
@lesliejones3687 3 жыл бұрын
Good video!!! I've been checking the site over and over. Is this program available in Nashville, TN?
@HardenTheGift 3 жыл бұрын
Thanks! The TN office is in Memphis, but I did plenty of loans in Davidson County. Best to you.
@sonya5568 3 жыл бұрын
Thanks for this
@eric7189 3 жыл бұрын
I read on a NACA forum that if you're not currently paying rent, your monthly credit card/car loan debt can be counted towards payment shock. Is this true?
@HardenTheGift 3 жыл бұрын
The purpose of payment shock is to get a borrower acquainted with the "shock" of having higher debt for X number of months. So, technically, any recurring debt that no longer exists can be counted towards payment shock, if structured properly. I once used clothes purchases and gifts, but the key is that it must be debt that no longer exists and it is ultimately an underwriter judgment call.
@MooreFireEntertainment 3 жыл бұрын
Can you get me in and out? I have all of the required documents and funds. I even did a 3 month payment shock. I was supposed to have my Acheive the Dream Event on 4/17/2021, but right when I got to number 29 in the queue someone sabotaged me by deleting my information. I took screen shots of when I was monitoring my queue and the notifications I received both via email and via text. Could you please help since I had to wait a little over 2 months just to attend this event? I am more than ready to be a home owner.
@HardenTheGift 3 жыл бұрын
Sorry that happened to you. Which state do u live in?
@MooreFireEntertainment 3 жыл бұрын
@@HardenTheGift I reside in Maryland.
@MooreFireEntertainment 3 жыл бұрын
@@HardenTheGift are you abke to assist me considering I have everything? I'd really appreciate it.
@HardenTheGift 3 жыл бұрын
@@MooreFireEntertainment Sorry. I no longer work for NACA, but the DC office has some really strong counselors.
@marthayahweh-nesi5822 2 жыл бұрын
I didn’t know achieve the dreams event is still going on? Where do you find the info?