The Income Replacement Formula

What does it take to...Start a successful business while you're still working in a job?Believe in yourself enough to walk away from that job?Build your "side business" into a freedom-based lifestyle, so you can be, do, and have all that you were meant to?In The Income Replacement Formula, author Christine McAlister shares the simple 7-step formula that helped her overcome her own personal tragedy, and then realize her dreams of discovering and building a business around her unique gifts. This is the same formula she uses with her high-level clients every day, to help them live their own dreams of freedom and fulfillment.If you're a woman who has been thinking about quitting your job or starting a business since... what feels like forever... or you already have a business that's just not working the way you wish it would... this is your book. ========Christine has beautifully crafted a framework that supports, inspires, and pushes other women to stop staying stuck and start creating the life with passion they are meant for. As someone who left my 9-5 and runs a business that I love full time, I know there is no greater gift you can give yourself. I love that Christine has created a manual that not only helps other women believe they can do it but also gives them the specific, actionable steps with which to make the leap. If you're ready to leave that 9-5 and replace your income for good... look no further. --Lacey Sites, Business Mentor & Success Coach, Founder of A Lit Up LifePerhaps the number one question I get asked as a mindset and marketing expert, is "How do I quit my day job?" How convenient is it that I'll now be able to refer people to The Income Replacement Formula? Christine has pulled together the complete blueprint for leaving your job and working full-time as an entrepreneur -- a blueprint that includes BOTH mindset and action. Christine is not only passionate, she's also knowledgeable, and in this book, she gives you the roadmap to a freedom that can only come from being in business for yourself. If you're ready to leave the workforce and join the ranks of profitable business owners, then start here. Christine is the mentor that you need on your side." -- Dana Wilde, Bestselling Author of Train Your Brain and Host of The Mind Aware ShowChristine breaks down the exact steps necessary to leave your 9-5 and start living life on your terms in the simplest and easiest-to-digest ways. She is a true master at her craft of helping women create the business of their dreams. As someone who knows all too well what the journey of breaking free from the chains of a 9-5 looks like, I so wish I'd had this book years ago when I was struggling and stuck. I know it would have simplified the process and I'm so glad to have this guide to recommend to my friends and colleagues going through this journey now.--Sara Wiles, Online Business Manager, Co-Founder of The Happy Thoughts ShowThe Income Replacement Formula reveals the key requirements to successfully start AND monetize your online business. Christine lays out all of the strategic pieces with her unique feminine voice that is refreshing and inspiring. She combines the stories of her real-life experiences and her clients' experiences to reveal the truth that it's not always polished and pretty, yet, with focus, determination, strategy, proper leadership, AND mindset you can step away from your 9-5 confidently while earning a living from your passion!--Celia Faye Meisel, Online Business Coach for Creatives, Leaders, and Spiritual Entrepreneurs

This book offers guidance for understanding benefits options and plan structures, and making better decisions for your organization. Writing for both HR and finance professionals, internationally respected compensation and benefits professor and consultant Bashker Biswas drills comprehensively into today's most important benefits-related topics and challenges. Employee Benefits Design and Planning covers all this, and much more: Finance and accounting implications of Healthcare benefits Other risk benefits Severance benefits Disability and group life insurance programs Flexible benefits Non-qualified deferred arrangements 409A plans, ESOPs, Money Purchase Pension Plans, Cash Balance Plans, 401(k), 403(b) plans and 457 Plans Employee benefit plan financial reporting, legal compliance, and auditing Employee benefits in mergers and acquisitions Self-funding vs. insurance funding decisions Global employee benefits including umbrella pension plans and multi-national pooling Equity participation in employee benefit plans Biswas introduces and explains key employee benefit metrics and ratios, and demonstrates best practices for forecasting costs and budgeting appropriately. For all compensation professionals, benefits professionals, human resource professionals, accounting professionals, labor attorneys, financial analysts, and finance professionals. Readers will have roles in benefits-related consulting, finance, accounting, and human resource management, both domestic and international.

Do you want to regain control of money, have visibility on your spending, or simply want to learn how to save? CleanWealth Guide provides answers. This Guide empowers you, boosts your confidence in making money decisions, and helps clarify your relationship to money on a deep mindset level. CleanWealth Guide is a step-by-step, non-technical blueprint to help you design your financial life. Most financial literacy programs and personal finance books fail to describe how to change unwanted money habits and how to update finance tools and terms made popular in the 1990s. As we enter the 3rd decade of the 21st Century, finance is rapidly being reengineered and blockchain, cryptocurrencies and digital tokens are commonplace. Headlong we are being propelled into a cashless society. Are you ready? Habits of the rich and successful are explained. A growth mindset is explored and how to modify the mental paradigm that determines your money behaviors. Access to simple exercises, case studies and templates are provided to learn about cashflows, balance sheet, budgeting and risk exposures. Also, references to ancient scriptures give guidance on charitable giving, wealth distribution and leaving a positive legacy. CleanWealth Guide helps you to discover a pathway to permanent happiness. Clear insights are offered into 8 Universal laws of success and principles for Exceptional Living.

Pension reforms in former transition economies aimed to fiscal sustainability and market economy objectives. Estimating the gross and net replacement rates in 9 countries for steady conditions until 2040 show that they are adequate for most categories of workers, with the exception of those with intermittent or no formal sector employment.

First published in Japanese in 2006 by University of Tokyo Press as Henkasuru shakai no fubyaodao.