How much of my income should be budgeted for rent

So if your annual salary is $60,000, you should pay no more than $1,500 a month in rent. In New York City, landlords also follow this guideline, insisting that applicants earn 40 times the monthly rent. As an alternative, your landlord may allow someone (usually a well-off relative) to co-sign the lease as a guarantor. “You cannot be living hand-to-mouth,” said Carlos Castro, the director of lease administration for Halstead Management, adding that renters should be aware of brokers’ fees, security deposits and other housing-related expenses. And when calculating how much you can afford to spend each month, don’t forget to factor in student loan or car payments.

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You may not be able to find an apartment that would be affordable on an entry-level salary. Between 2006 and 2014, seven of the 11 largest metro areas became less affordable, as rents grew at a faster rate than salaries and more renters entered the market, according to a report by the Furman Center and Capital One. The most expensive market was Washington, D.C., where the median rent in 2014 was $1,530 a month.

SmartAsset, a financial technology company, mapped out how much income a renter would need to afford an average two-bedroom apartment in various American cities in 2016. The findings are sobering. In San Francisco, a renter must earn a stunning $216,129 a year to avoid being rent-burdened; in New York City, $158,229.

Still, you have to live somewhere. To offset costs, consider a roommate. If you pool your incomes, you might be able to find a nicer apartment than you could afford on your own. You might also be able to save a little for the future.

The Industry’s First…”Cycling Powerline”
Bonus System!

here’s our Genusity Product of the Day

Genusity Logo
Product of the Day

Hello ,

Tim Sebert here…have you seen our…

We installed our’s 2 months ago…we saved $40 our first month and excited to see this 2nd month’s savings!  But, that’s just the start of it because we installed the GenEnergy+ unit with the Whole House Surge Protection.  The Surge protection guards all of my computers, T.V.’s …anything plugged it, from power surges and lightning strikes!  I wished we would have had this a year ago when our main TV was “blown-out” by a nearby lightning strike…the new TV cost us $1,700…so understand this…I believe in the value of this product!  And get this, it doesn’t just save you 1 time against surges or lightning strikes and then you have to throw it away like a traditional surge protector…no, this unit’s patent-pending “Lightning-Strike” surge protection technology was designed and tested to withstand 1,000’s of lightning strikes and surges!  You and your home need this product!

My name is Howard Martell and Independent Gold Team member of this great company and also have installed the Gen + unit so far we have had our for 1 week and my wife told me recently she has seen a decrease in our bill. Once we do receive next bill we will no the exact first week savings. This is must have device for all homes who are over paying and not keeping enough of your hard earned money.

Log into your Back Office and check it out today at

To Your Success,
Tim and Randy
The Genusity Team

Tomorrow – Announcing Special Deduction worth $5,000!

oward, this is very important about how
big time!

There ONE massive tax deduction
that is available only to small and
home-based businesses like you.
No other taxpay ers can qualify for it!

This one deduction alone could
save you more taxes than all other
deductions COMBINED!

Now that all of the new Tax Act changes are
In effect, most taxpayers can no longer deduct
hardly ANY of their healthcare expenses.


The one and only exception is for taxpayers
who run a small business (including businesses
that are very-part-time). THOSE – and only
those taxpayers – can DEDUCT 100% of ALL
health expenses not reimbursed by insurance.

AND this special deduction applies ALSO to
health expenses of the business owner’s
spouse AND all of their dependents!


If you qualify for this deduction, you can ALSO
write-off your

  • Nutritional supplements,
  • Naturopathic procedures & products,
  • Many elective surgical procedures,
  • Wellness and Preventive care,
  • Many over-the-counter (OTC) purchases

AS WELL AS your…

  • multi-thousand-dollar Annual Deductibles,
    all Co-pays, any Out-of-Network fees,
    Long-term Care insurance premiums,
    add-on fees for seeing a Specialist,
    Emergency Room surcharges, and more!


When:        TOMORROW SUNDAY, 9-22-19

Time:           6pm Pac.; 7pm Mtn.,
8pm Cen., 9pm Est.

Length:        About 45 min.

Where:         Online or by Phone

Cost:            It’s a FREE public service

Register at: Click HERE

Can You Qualify? Probably, but join
Us on Sunday to find out FOR SURE
THIS IS BIG!!! And it is officially authorized in
writing in Federal Tax Code Section 105.

See you on TOMORROW, Sunday 9/22?

Helping YOU to be a Tax-Smart Small-Biz Owner
         Dr. Ron Mueller, MBA, Ph.D.
Author, Speaker & Small-Business Tax Coach

If you cannot attend, register anyway so
that you can receive a link to watch the
webinar replay.

If you requested a Tax Filing Deadline
Extension for your 2018 tax returns,
must file by OCT. 15 – just 30 days away!

GenEnergy…The NEXT SUPER PRODUCT! Comment for more info!

Good day everyone,

You all know my by now as the homeprofitcoach here and located in Virginia Beach Virginia and wanted to share a update on our latest launch and share a video from our CEO Tim Sebert showing his excitement.

We are changing the landscape when it comes to network marketing and how the consumer can save on there current energy bill introducing GenEnergy product. 

I and my big day getting my installed by local Electrician in Hampton Roads and as far as I know, be first in the greater 7 cities to have this Energy saving device in my home and business.

Once I have this installed will be doing some before and after comparison electric bill savings videos and testimonials for my audience on youtube and post to my blog.

One thing I learned in this industry is you must be a product of the services you are  promoting and at Genusity I am used the Beacons for my advertising for my business and also helping promoting my Christian talk show like my friend and business partner Duke White (Real Life With Duke White Show where he discusses tough issues facing not only the church but society in general) As excited to partner with and support this important ministry and share my business knowledge, but also life experience and testimony with the live audience and potential viewership of over 30 million plus on the

This in itself is such an honor and feel so blessed to have met the likes of orginal members of Blacksheep locally, Earl Bynum and his Son ( Earl is nominated for a Dove Award #1 Gospel artist in the World) He is the first in Va  ever to have this honor and he live in our community) These are talented men and women of God who are being placed in front of me to bless others.

We have a live showing Tonight at the Christian Embassy more details are on the facebook page above open to the public so come out and you never know who our special guest might be!

Finally, you too can make a positive change in your community or environment and successful, home business owner, and man of God, give the glory to him each day for my successes and for my failures as they teach me lessons that are so valuable towards helping others succeed in life!

God Bless,

Howard Martell



Homeprofitcoach is Rocking it with Team Gold As Independent Associate leader at Genusity

I am so blessed to be able to share with my readers today the excitement and momentum of this solid debt-free company.  From the Founders Tim Sebert and Randy Thomas and the rest of the members you feel the love all around.   This company is Genusity

Let’s reflect on my long career in this industry started out with Tim and Randy back in Global Domain’s International day’s and made some money.  But it wasn’t until I found out really how with my current company how to use nothing but graphic landing pages with Worldprofit that was propelled into my list building and relationship networking marketing success story that has been rolling the past 10 years plus mostly part-time but with a full-time attitude with a profit intent daily.

My journey started while serving during my Active Duty time in early ’90s in Hawaii and discovered Internet Marketing and fell in love with it from one of my co-workers and just felt this urge to know more about it.  In hindsight made some money by had no clue like most marketers never understood how to properly built a list of customers until late 2009 when people kept telling me about this Worldprofit and thats when dropped some things and gave it try and the rest has been history.

In the time since built a list of over 93,000 opt-in globally in 10 years using landing pages, trained thousands, created my own utube training videos, closed sales live weekly for our community, provided consultation and marketing services to my clients, and consistently in top 5 of sales each month thanks to WorldProfit.

Because of this has prepared me to succeed in Genusity using the same techniques of list building and being a top leader in short time-frame with sales so far this month and uplifting and inspiring each fellow Genusity family member with helpful tips and techniques to push them to the top of success in the company.

The Unique of the powerline system for me is the icing on the cake and another added advantage is to show all my clients the tax savings benefits we business only get by running a home business.

To know more how God has helped me and my family become so blessed in this wonderful industry feel free to reach out to me at 757-647-2886

Serious inquiries only as I want to work with people who want to uplift people out of any difficult situation and become financially free!

God Bless,

Howard Martell


Independent Associate Gold Member Genusity

Disabled US Navy Vet (RET)


Member Spotlight: Bruce Rae

Member Spotlight: Worldprofit Platinum VIP Member, Business Owner, Bruce Rae

Worldprofit’s Silver and Platinum VIP Members are business owners who hail from all over the world, from all walks of life. They share something important though, character qualities found in every successful person – the willingness to learn, the desire to achieve a goal, and the focus and determination to make it happen.

Here we feature Worldprofit Business Owner, Bruce Rae.

We asked Bruce to share his experiences at Worldprofit and offer his review of Worldprofit programs and services.

Bruce, can you share a little information with us about you? 

I am a Teacher of Chemistry in the Midlands of England. I am also a professional Chemist and Fellow of the Royal Society of Chemistry. Being a Senior Monitor with Worldprofit, I have made money doing what is recommended in the Training Programme. I joined Worldprofit in August 2017 and have made money each and every month since I started. 

Bruce, what was the reason or reasons for your initial interest in becoming a Member at Worldprofit? 

I liked the training programme and the HUGE system available for making money! 

Bruce, can you share some of the reasons that you continue as a loyal Member of Worldprofit? 

I like the fact that George and Sandi are always focused on Customer Service and that they respond rapidly to all Service Tickets. 

Bruce, do you have any words of advice for someone looking for an online business or considering joining Worldprofit?

New members just need to do what is taught and stay on Lesson 3 for at least a week , making notes on the Training Video and actually doing what is taught. Do not spend time looking around the site in the first month – this can have you being overwhelmed! Join all the recommended traffic sources that you can and try to upgrade in one each month – and do it to the highest level you can afford.

Bruce, you are a Monitor who generously volunteers your time to help others in Worldprofit’s home business community. Can you offer some reasons why you enjoy being a Monitor?

I think that my main motivation for being a Monitor is to “Give something Back” to the community. I enjoy talking to people and giving them the opportunity to upgrade to Silver or beyond so that they too can enjoy the vast benefits available within Worldprofit’s system. It is a real buzz when someone decides to upgrade to a full Membership.  Also every time a Monitor upgrades an Associate, the Monitor receives 20 Free Associates  – this is a real motivator.

Bruce, what are some of the tools and resources in your Worldprofit Membership that you find most helpful in growing your own online business?

The masses of advertising credits one receives from Worldprofit. Then there is the ability to use the 12 Traffic Streams to generate leads. I used JitBit and Mailbox and find them to be extremely useful. 

Bruce, on a scale of 1 – 10 can you rate then comment on the quality of services, training and support offered at Worldprofit? A rating of 1 would be Poor, a rating of 10 would be Outstanding. 

 I rate them all as a 10! 

Bruce, is there anything else you would like to share with others about your experiences with Worldprofit ? 

I really like the fact that I am considered as a PERSON and am treated with respect and consideration. It is really encouraging that there is such an esprit de corps within Worldprofit.

Contact me if you would like to know more about my business at


Dear Fellow Genusity Visionary


Dear Fellow Genusity Visionary

 know that when you first get involved with a program, it can
seem a bit overwhelming to understand how to get it going. I
experienced that feeling when I first started with Genusity, so
I asked the CEO of Genusity, Tim Sebert: “What do I do Now?”
He told me to simply send out this simple process that
everybody needs to take:

(If you’ve already Upgraded with either of the 2 buttons on
your TourPage, then please ignore this)

1.) Log-in to your Tour Page at  and
enter your email address to log-in.
2.) Click either the “Click Here To UPGRADE To Associate” button
(you make DOUBLE {50%} the Daily Commissions and qualify
for Cycle Bonuses) or the “Click Here To Stay A Fr ee Team
Member” and have the ability to earn 25% Daily commissions only.
3.) Complete the information from your selection, click SAVE or
SUBMIT and go back to the log-in link above.
4.) Enter your USERNAME and PASSWORD you selected and Submit
5.) In your new Back Office, you will see the MARKETING tab on the
left…click it.
6.) Then select the MY LANDING PAGES tab and you will then see
the available Landing Pages you have to select from. Depending
on if you are a Free Team Member or an Upgraded Associate will
determine how many pages you will have access to.

Since I am Upgraded, the page I like to use is:

Remember, this link is only available to Upgraded Associates…
the Free Team Member Landing Page looks different.  
 When you
find your Landing Page link, test it by sending yourself an email with
your affiliate link. Then click on your affiliate link and should come to
a Capture Page that will have your name in the upper left hand corner
or at the bottom (depending on the page you use).

For Upgraded Associates, there are other Capture Pages you can
utilize if you choose to. Just log-in to your member’s area:
Then on the left side, click on “Marketing” and scope it out. Frankly,
you don’t really need to do that right now, unless you really want to.
There’s a lot of good stuff there, but you might be better off just
keeping it super-simple for now. It’s up to you.

Keep in mind that the entire Genusity family benefits when you
succeed, and we’re all pulling for you to do so. That will happen
if you just put out your link to as many people as possible.

In case you still have not become a paid member, go ahead and
do that so you can optimize the pay plan. This program is the real
deal. Now you have the opportunity to be among the first people to
be founders in a future industry giant. Don’t let that chance escape!

Call me anytime;

Howard Martell   757-647-2886

Everybody Needs Real Human Eyeballs On Their Business!


Good day this is Howard Martell known as the Homeprofitcoach located in Virginia Beach Va. 

Today we are going discuss what network marketing is and how it one of the most powerful tools you have to make money online using your computer. 

A little about myself been marketing for well over 30 years and over the past 10 years plus been concentrating on helping fellow affiliate marketers built a list of clients using nothing but graphical landing pages with our without videos. Prior to this journey served in the US Navy for 20 years honorably and was discharged as Cybersecurity Professional.  My niche market is global and been able to built a list of over 92,000 and growing daily who have subscribed to my services. 


Network marketing is a type of business opportunity that is very popular with people looking for part-time, flexible businesses. Some of the best-known companies in America, including Avon, Mary Kay Cosmetics and Tupperware, fall under the network marketing umbrella. 

Network marketing programs feature a low upfront investment–usually only a few hundred dollars for the purchase of a product sample kit–and the opportunity to sell a product line directly to friend, family and other personal contacts. Most network marketing programs also ask participants to recruit other sales representatives. The recruits constitute a rep’s “downline,” and their sales generate income for those above them in the program. 







Network marketing is known by a variety of names, including multilevel marketing, cellular marketing, affiliate marketing, consumer direct marketing, referral marketing, or home-based business franchising. 

Companies that follow the network marketing model often create tiers of salespeople—that is, salespeople are encouraged to recruit their own networks of salespeople. The creators of a new tier (or “upline”) earn commission on their own sales and on sales made by the people in the tier they created (the “downline”). In time, a new tier can sprout yet another tier, which contributes more commission to the person in the top tier as well as the middle tier. 

Thus, the earnings of salespeople depend on recruitment as well as product sales. Those who got in early and are in a top tier make the most. 


The Advantages and Disadvantages of Network Marketing 

There is some stigma attached to networking marketing, especially those with multiple tiers, which can be characterized as pyramid schemes—that is, the salespeople in the top tier can make impressive amounts of money on commissions from the tiers below them. The people on the lower tiers will earn much less. The company makes money by selling expensive starter kits to new recruits. 

The appeal of network marketing is that an individual with a lot of energy and good sales skills can create a profitable business with a modest investment. 

A good rule of thumb, according to the Federal Trade Commission (FCC), is that single-tier network marketing operations tend to be more reputable than multi-tier schemes, in which people make money based on the number of distributors they recruit. 

Some reputable examples of single-tier network marketing operations include Avon Products, Mary Kay, and Excel Communications. 

Special Considerations 

Anyone considering joining a network marketing operation should do their research before making a decision. Consider these questions: 

  • Was it pitched as a chance to make money by selling products or by recruiting others? 
  • What is the track record of the company’s founders? 
  • Are you personally enthusiastic about the products? 
  • Are people you know enthusiastic about the products? 
  • Is the product being promoted effectively? 
  • Do you foresee a relatively fast pathway to profits or a long time treading water? 



  • Network marketing appeals to people with a lot of energy and good sales skills, who can create a profitable business with a modest investment. 
  • Beware of network marketing companies that create many tiers of salespeople. 
  • Thoroughly research the company before you join. 



Now lets break down the other part of the word MARKETING 


From the dawn of time society has been marketing, bartering, trading something that they have of value for a product or service. 

When you played any sport you were Marketing your skills and abilities to make that team and excel in the area. 

College you were Marketing your knowledge to try to get into the best school for your specific career field ect… 

While developing your Resume for future employment or your first job Marketing. 

Each day without us knowing it we are being marketed to whether it’s the skills and knowledge we provide to our employers if you still work W-2 job. 


The same skills you learned can be applied to any business model it comes down to RELATIONSHIPS not PRODUCT OR SERVICES!  




So as stated before in my prior video and article get to discover whether your prospect is Business Builder, or Customer or neither. Always thank them for there time and ask if they know of anyone who will be interested in hearing more about your company. 





Howard Martell 

Homeprofitcoach Inc LLC 


Contact me to find out how you too can enjoy these same tax savings as home-based business owner! 



What is Network Marketing? Practical Solutions to help in retention and reduce experience ZERO REJECTION!

What is Network Marketing? Practical Solutions to help in retention and reduce experience ZERO REJECTION! 

Good day this is Howard Martell known as the Homeprofitcoach located in Virginia Beach Va. 

Today we are going discuss what network marketing is and how it one of the most powerful tools you have to make money online using your computer. 

A little about myself been marketing for well over 30 years and over the past 10 years plus been concentrating on helping fellow affiliate marketers built a list of clients using nothing but graphical landing pages with our without videos. Prior to this journey served in the US Navy for 20 years honorably and was discharged as Cybersecurity Professional.  My niche market is global and been able to built a list of over 92,000 and growing daily who have subscribed to my services. 

What I have learned along the way and as continue to hone in on new skill sets is to never give up and the this Mantra “ The business is the list your build every day” The MONEY IS THE LIST”! 


Without a list of clients that see your landing pages you will not succeed in helping others and making consistent residual income on daily, weekly, or monthly basis. 

Another thing learned along the way networking is about relationships first and foremost not about pushing products and services, for years marketers have been told make your list of family and friends. I say that is nice but before you can convince your loved ones who might not have interest in being a home business owner or customer. You need to first show your clients the value us business owners receive. 



I am using a different way to address 36 Billion MLM/DS industry has SERIOUS and ONGOING PROBLEMS that to date, hasn’t even come close to finding a solution. 

What IS the “Industrywide Problem”   

That needs addressing?  Very high failure-rates and very low success rates, which continue to be reported both by the industry itself and by outside third –parties. 

Here (without comment or judgement) are quotes from online sources: 

Study: 25% made a profit, but more than half  of them made less than $5000. 

Study: Vast majority of MLM participants earn less than 70 cents an hour! 

Study: Fewer-than half made even $500 in the past five years combined. 

Study: 95% fail to even reach breakeven 

Study: Two biggest causes of MLM failure 

(1) insecurity of the individual 

(2) lack of adequate marketing training 

Study: 30% drop out because it felt  awkward to pitch to family and friends. 

Study: Here are some interesting stats: 

Some 25-50% join just to buy the products at wholesale 

A full 50-60% NEVER take ANY serious Business Action 

Only 10-15% EVER “Work their Business Like a Business” 

Let’s compare that with success rates of OTHER small-business start-ups, as reported by the SBA: 

44% survive at least four years 

39% are profitable 

30% are at breakeven, and only 

30% lose money eventually. 




Let’s consolidate what we just learned. 

People join MLM’s for variety of reasons…. 

Most often it’s just to buy products at wholesale. 

They are really customers, pretending to be Distributors. 

You can make a little money from them, but not much 

Why do 30% of the drop-outs – drop out? 

Because they don’t like begging family and friends to join. 

Only 10-15% ever treat it like a BUSINESS 

But they’re the ONLY ONES who’ll ever make you any serious money. 



  1. Recruit people who are Ready to start a Business. 
  1. Get them into a BUSINESS-MINDSET on (or before) DAY-ONE. 
  1. Get them to Buy the products- but AFTER they decide to join you. 
  1. Give reasons to Work it on REGULAR & CONSISTENT Basis. 
  1. Give them Reasons to NEVER QUIT & to NEVER DROP AUTOSHIP 



  1. Get prospects to ASK YOU if they can JOIN so they won’t feel “sold” 



You will not approach anyone you have EVER approached before about a prior business. 

We’ll  set up a system in a way that REJECTION OF your Product, or your COMPANY or YOU is NOT POSSIBLE! 

You can become a top distributor WITHOUT SELLING ANYTHING 

You Will have people asking you to please sign them up 

Then they will thank you for saying yes 



We will begin by Giving (not selling) them something They already WANT 

We will begin by Giving not selling) them something already know is HIGH VALUE 

We will begin by Giving not selling) them something They will be GRATEFUL FOR  

BUT it’s  SOMETHING they Cannot Get Until they establish a Home-Based Business 



 At least now, during this trial/ test phase, consider adopting  a new personal job description. During this test period when a person ask, “ What do you do? Try this Reply:  

I show people who operate a part-time home-based business, where they can learn about legal tax deductions that can slash their taxes by some three, four, five-thousand dollars or more, starting this year. 


Since half of all households in America contain a home-based business, chances are 1-in 2 they will ask you to tell them more. 

Eventually, once they understand that this works, they will ask you how they can get started in a part-time home-based business. You simply befriend them and offer to let them join you in your own business, so you can get them started and so you can mentor them.” 


Once you start using this proven concept and more experience under your belt, you will have prospects ready to join you in your business before they even know what company or products you represent… Trust Me… You See. 




Howard Martell 

Homeprofitcoach Inc LLC 


Contact me to find out how you too can enjoy these same tax savings as home-based business owner! 







We’re proud to introduce you to the HOTTEST, BRAND-NEW TREND PRODUCT for the Net work Mar keting Industry… GENEASE




We’re proud to introduce you to the
for the Net work Mar keting Industry…


Everybody you know will be KNOCKING DOWN your door
to get this product…You are at the Right Place at the Right Time!


We currently offer 2 different LIVE webinars per week

Come see for yourself how powerful this powerline is.

Tuesday – 8 pm ET USA = Genusity Opportunity Webinar (bring guests)
Go Here ? http://  MegaGlobal  Event. Com [remove the spaces when interring]

Saturday afternoon at – 12pm ET USA = Genusity Opportunity Webinar (bring guests)
Go Here ? http://  MegaGlobal  Event .com [remove the spaces when interring]

Check your inbox and your sp am folder for the confirmation
email once you Reserve your Seat!  
Howard Martell Independent GOLD TEAM MEMBER GENUSITY LEADER 757-647-2886

P.S. There is also a new CBD Product! I can not wait until I have mine.
It is called GenEase and it rolls on your pain 🙂

We’re proud to introduce you to the
for the Net work Mar keting Industry…