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Killexams : Financial Certified outline - BingNews Search results Killexams : Financial Certified outline - BingNews Killexams : Are you prepared for the costs of having a baby? Start preparing your finances early. No result found, try new keyword!Build a plan for managing the costs that come with having a baby, including hospital bills, child care expenses and any income loss during parental leave. Thu, 28 Jul 2022 21:01:00 -0500 en-us text/html Killexams : Inseego Corp. (INSG) Q2 2022 Earnings Call Transcript No result found, try new keyword!Q2 2022 Earnings Call Aug 08, 2022, 5:00 p.m. ET Hello, and welcome to Inseego Corp's second quarter 2022 financial results conference call. Please note today's event is being recorded. All ... Mon, 08 Aug 2022 17:00:16 -0500 en-us text/html Killexams : Newbie Investors’ Guide: How to Become a JSE Top 40 Index investor

The National Treasury of South Africa predicts economic growth of 2.1% in 2022. However, many people are still bearing the brunt of the inflation effects, especially with the escalating fuel and food prices.

The slump in the job market and inevitable government borrowing are not helping financial matters, at least as far as the common citizen is concerned.

So what can a newbie investor do to make profit in this market? One approach is to invest in JSE top 40 and get long-term financial benefits. This article will outline the steps on how to go about this.

South Africa Investment Environment

South Africa remains an attractive investment destination even after the trying times of the global pandemic. It is one of the largest economies in Africa with a share of 16% of the GDP. The Johannesburg Stock Exchange (JSE) is the most powerful in Africa and boasts of a $1.3 trillion market capitalization. In regards to the exact challenges of COVID-19, the economy has managed to rebound strongly and is expected to grow in 2022.

A strong economy is one of the investment attractions, and South Africa scores highly on this front. The fact that the country has a big population and a rapidly growing middle class crowns it all. By investing in the JSE, one would be joining an emerging global market that is extremely stable.

Investing in the JSE top 40 Worthwhile

The JSE top 40 comprises the largest 40 companies listed on the Johannesburg Stock Exchange (JSE) based on their market capitalization. This index is a fair representation of the status of the stock market in South Africa because the 40 companies usually represent at least 80% of the market cap of all listed companies.

The technology and population of South Africa are on an upward trajectory so investing in the JSE top 40 would be a sure bet for long-term profits. For a newbie just starting the investment journey, the JSE top 40 provides a secure environment for buying shares. It is the perfect environment for anyone looking to grow investments even for retirement funds.

Steps to make it in the JSE top 40 as a newbie

So you wish to start your investment in the JSE top 40 but are a newbie.

The first thing to do is to find a certified broker and register with them. The JSE has a list of registered brokers for the sole purpose of offering stock brokerage services. Banks have also joined this business so it is possible to find some of them offering these services.

Once the registration is complete, the paperwork will follow as part of opening a stock trading account. The most commonly required documents include a copy of the ID, physical address, and bank account information. This is an important step since it helps the JSE counter money laundering risks.

That’s all the setup that is needed because next up, the investor can choose the preferred type of investment. Deep research is recommended here because there are so many options. Depending on one’s financial goals, there are Exchange-Traded Funds (ETFs), mutual funds, and individual stocks.

Finally, one can choose the most suitable investment platform, which can be a bank or trading platform like Admirals. Each platform has its pros and cons so weigh your options carefully. For instance, banks offer the highest convenience, but their fees could be higher.

Shares to Watch in 2022

If you are looking for the best shares to buy in the JSE in 2022, Gold Fields Limited would be at the top of the list. This mining company has perpetually performed well in the market. Away from the mining sector, there are popular shares such as Naspers, Anglo American Plc, and Tesla.


With this guide, even the most inexperienced investor is now ready to invest and become a JSE top 40 index investor. South Africa has an attractive investment climate, more so for those interested in the stock market.

Tue, 02 Aug 2022 21:39:00 -0500 en-US text/html
Killexams : How To Start a Successful Accounting Firm in 2022

It all depends on how you want to move through your career. Some people are happy working in a team and being directed. Others want to work for themselves, lead that team, and be responsible for all aspects of the company. 

Opening an accounting firm, much like any other business, requires hard work and dedication. Luckily, as a CPA, you have the financial acumen many entrepreneurs lack when they first start. However, launching and growing a business takes more than financial and numeric expertise. Here’s how to start a successful accounting firm in 2022. 

Create a Business Plan

As an entrepreneur, you should be excited about the prospect of having your own accounting practice. However, don’t move forward too quickly in your rush. You should always have a business plan for where you want to be when you launch, within six months, and in the years to come. A plan will outline all of your projected expenses and revenues and keep you on a sustainable path as you grow your business. You should also have a marketing plan that includes your target audience, ideal customer, and strategy for bringing in clients. 

Get Your Licenses and Permits

Every state has different requirements for opening an accounting firm. For example, you may need a special license from the state, and you might have to get a permit to operate a business in your local area. Make sure that you do all of the necessary paperwork well in advance of launching your business. That will ensure you don’t get shut down before you can get going. 

You should register your business with the IRS for tax purposes. You can get an employer identification number (EIN). This will make it legal for you to hire employees. Even if you don’t plan on having any staff to start, you don’t want to be left rushing if the time comes that you do need a more hands-on deck. It’s free to do, and will make sure that you are prepared. 

Get Accounting Practice Management Software

Running a business is a lot of work. You need to be on top of things, and you need to be organized. The good thing is that many software solutions are out there to help entrepreneurs and managers alike. There is also accounting practice management software designed specifically for your type of business. It allows you to track clients, delegate work, collaborate, and schedule meetings in one place. Once you have all of your employees connected, it can be the hub for everything your business does and everything you schedule. It will make your life and your employees' lives much simpler. You save your time for doing other things, like growing your business and working billable hours. 

Figure Out Your Working Situation

One of the great things about running an accounting firm, especially if you have a good software solution, is that you can do it from the comfort of your own home. Everyone can work remotely and connect through any number of communication tools designed for remote work. However, you can also work from an office where everyone can meet and collaborate in person. It’s truly up to you, but you will have to make a choice. Expect higher expenses if you choose to rent an office and pay for utilities, but if you think that is best for your business, that’s what you need to do. 

Get the Word Out

Of course, you can’t have a successful business if you don't have any clients to work with. You will need to market yourself effectively to do that. Most new accounting firms work with local clients, so you should target businesses and residents in your area. You can do this in several ways. For one, digital and social media are incredibly important. Target social media ads to people who live near where you operate. These will get a smaller audience than broadcast marketing, but they will be more likely to sign on as customers. Plus, local search engine optimization will get your website on the first search engine rankings page to gain more local traffic. 

As an accounting firm, people will only work with you if they can trust you. That’s why networking is very powerful. Get out to events and meet-ups and talk to other businesses. Make connections and build relationships. This will get you out in the minds of the business community and lead to business down the road. Plus, when you get the business of someone you’ve connected with, you are more likely to keep it long-term. 

As you can see, a lot goes into starting an accounting firm. However, the payoff will be worth it since it is a lucrative field that will always be needed by individuals and businesses alike. 

Thu, 21 Jul 2022 21:46:00 -0500 en text/html
Killexams : Dominello continues digital identity evangelism

Digital identity services are critical to trust, particularly in cyberspace, according to New South Wales Digital Government minister Victor Dominello.

In the context of what he describes as a post-globalised world and increasing losses to scams,  Mr Dominello on Tuesday highlighted that trust “will attract a valuable premium” in trade both within Australia and internationally.

Speaking at the Australian Financial Review’s Government Services Summit, Mr Dominello invoked the “trust trinity” to outline the need to define who digital identity is for, what the uses of digital credentials are, and why Australians should continue to trust governments delivering digital services.

While in autocracies “the states gobble up as much data as they can”, Mr Dominello said that democracies must focus on empowering the individual with the trust trinity. He also added that trust in government is eroded when the quality of service is poor.

Victor Dominello
New South Wales’ Minister for Customer Service and Digital Government Victor Dominello.

“The really difficult challenge is to stay the distance. Too often in government, we look at the individual as a one off, which then translates to a transaction. But more often than not, people are on a journey. They will need to deal with a number of government agencies and non-government organisations,” Mr Dominello said.

“And here’s the essential evolutionary leap in government thinking on service delivery: it must rotate and evolve around the customer – not the other way round. The customer is the sun.”

Mr Dominello noted that while he may still trust his physical next-door neighbours, he doesn’t trust all of his “proverbial world-wide neighbours on the world wide web”. He also added that a government issued digital identity is not the same someone’s personal identity.

“No government can ever provide you ‘your identity’. For identity is so deeply personal. It is far more than a few details on your passport, your birth certificate or driver’s licence…governments have no place in personal identity,” Mr Dominello said.

“What Governments can do is issue a digital ID, which enhances the trust settings as people transact and more broadly engage in the digital world.”

The New South Wales government is currently working to introduce an education wallet, with first aid certificates to be digitalised in the next few months. Pilots for people to add high school certificates to their education wallet will be available by the end of the year. A digital version of the ‘My Personal Health Record’ (or Blue Book) for children will also be integrated into the NSW Health patient app.

The problem with existing licencing, certification, and identity practices for Mr Dominello is the lack of control individuals have over their data, particularly with physical documents. He said copies of physical documents may be stored in a “back-office computer with laxed security linked to the cloud” and could be easily compromised.

“A digital ID provides far greater privacy and security protections in a digital world. Not only does it mean photocopies of your private information aren’t stored away in filing cabinets or the cloud, but also allows you to decide what information you do share,” Mr Dominello said.

“It is also the gateway for seamless service delivery between agencies and organisations alike. Which must be the goal of modern government service delivery.”

In May, Mr Dominello said that digital identity is the number one priority of Service NSW and described it as a golden digital thread that would “significantly reduce risks around cyber” if implemented with adequate protections.

The New South Wales government has already rolled out digital licenses for drivers, fishing, gaming, and alcohol sales, and the establishment of a digital identity advisory council in July 2021.

Do you know more? Contact James Riley via Email.

Tue, 26 Jul 2022 09:36:00 -0500 en-AU text/html
Killexams : Sonoma County vineyard worker management prep course graduates 1st class

Twelve years ago, Fabian Garcia began to work in the fields, the last four with Vino Farms in Healdsburg where he is now an assistant vineyard manager.

Ask him about his future and he says, “The sky’s the limit.”

Why he said this has a lot to do with program he and 14 other farm workers recently completed.

The Richard and Saralee Kunde Leadership Academy launched by the nonprofit Sonoma County Grape Growers Foundation and the Sonoma County Winegrape Growers on Jan. 11. Classes on courses such as effective communications, conflict resolution techniques, financial literacy and wine production, began Feb. 10 and held each month. Graduation day was June 14.

“We have always enjoyed a strong relationship with our vineyard employees, and we wanted to provide them with the skill set to help them become leaders in our community and in our industry,” Karissa Kruse, executive director of Sonoma County Grape Growers Foundation and president of Sonoma County Wine Growers, said of the program’s first class.

Karen Ross, secretary of the California Department of Food and Agriculture and keynote at the groups’ graduation, added, “For farming and ranching to remain viable in California, we must create these types of inclusive opportunities for more people to learn, connect and lead the industry in the years ahead.”

Kruse said the academy concept evolved over the past two years and was patterned on the Leadership Santa Rosa model — the Santa Rosa Metro Chamber’s leadership development program designed to identify, develop, and equip effective community leaders by giving them an in-depth overview of business and community issues along with exposure to community involvement.

The first Leadership Academy class included a group of men with job experience ranging from four to 37 years (average of 18 years). Eighty percent of the attendees spoke Spanish and were supplied with wireless headsets so they could hear translations of each presentation.

But where were the women among the first graduates?

“Our inaugural class represents the historic and current vineyard workforce, as more women enter the ag community, we look forward to welcoming them into future classes,” Kruse said. “Through the foundation we have other programs launching that will specifically support next-gen women in farming, which we are excited to unveil after harvest.”

Kruse said future class size will average 20 students per year to ensure a good experience for attendees, a chance to ask questions and build a professional network.

Some classes were devoted to government and politics as well as community resources, HR, compliance regulations, safety and disaster preparedness.

Guest speakers addressed the need for effective communications, conflict resolution techniques, and financial literacy.

Class members also learned details of wine and wine production to link what they do in the vineyard to the final product. They visited Sonoma-Cutrer Winery in Windsor to witness wine production in action.

According to Project Manager Valerie Pearce, senior business development and education manager for the Sonoma County Winegrape Commission, “Our focus is on advancing skills needed by vineyard employees to prepare them for leadership roles with current employers or to enhance leadership capabilities they already have in ways that go beyond learning farming techniques.”

Last fall, Judy James was hired as a consultant to assist in the creation of the academy.

For 10 years James was an adjunct faculty member at Santa Rosa Junior College where she created an Ag Leadership Program with a focus on economics, government relations and public policies. As a former executive director of the Sonoma County Farm Bureau, while there she developed the Government Executive Institute, bringing in guest speakers to address farm-related issues.

Judy and husband Jim farm pinot noir grapes in the Sonoma Coast appellation and have their own winery, James Family Cellars.

“Those attending also had an opportunity to meet county supervisors and came away believing they can have access to their local elected officials. I hope this program continues to develop and becomes a model for other counties and industries to consider,” James said.

Kruse said, “James ran with it and offered recommendations and guidance vital to the formation of the initial program and helped to develop the curriculum outline.”

This year’s academy participants were nominated by their employers (grape growers and vineyard management companies, etc.). In several instances, candidates came from among those previously named “employee of the month” or “the year” by their employers and included others who demonstrate potential for taking on additional responsibilities, Kruse said.

Tue, 02 Aug 2022 04:25:00 -0500 en-US text/html
Killexams : Dear Penny: Should I take on student loan debt to buy a new Prius?

Dear Penny,

Our Prius needs repairs. We trust our mechanic and the repairs are legit. It has 170K+ miles on it and the newer models get even better gas mileage. We currently have two cars, but since we mostly work from home, we don’t really need both. I thought we could consolidate and get one nicer Prius.

I was shocked to see that even a 2016 Prius is going for like $18K. The base model for the Prius Prime is $28,500 and qualifies for a $7,500 tax credit. So, $21K to buy a new Prius with electrical capabilities, basically zero miles and is under warranty, with a negligible difference in price from the used hybrids.

The long and short of it is, once you factor in our trade-in values, savings and the tax credit, we’d still need a loan of about $3,500. (I’m aware that we’d have to wait to get it back until we file our taxes.) I know it would be ideal to wait and save, but our Prius needs repairs now.

I’m also an online student but pay for my education with mostly grants and scholarships. Today I logged into my financial aid account to reject my student loan offers like I usually do and something caught my eye. It says the government pays the interest while you’re in school and for six months after. I have two years left. Basically, we could get an interest-free loan. I feel confident we could pay it back before any interest starts accruing.

It seems like a great deal, but my inner frugality is antsy. Is taking a loan ever a good idea? For reference, we are very responsible and have excellent credit because we always pay our bills and have a 100% success rate paying loans off early, though we avoid them when we can. If it helps, it’s just me and my husband, and we don’t want kids.

-Frugal Student

Robin Hartill [ The Penny Hoarder ]

Dear Frugal,

I’m not part of the all-debt-is-terrible school of thinking. Where this gets tricky is that you want to use a student loan to pay for the Prius. Student loans are based on your cost of attendance for school.

The U.S. Department of Education’s cost of attendance formula includes an allowance for books, supplies, transportation and miscellaneous personal expenses. But the Federal Student Aid Handbook explicitly states that student loan money can be used for “costs for operating and maintaining a vehicle that is used to transport the student to and from school, but not for the purchase of a vehicle.”

In your case, using student loan money for transportation expenses is especially murky. You’re an online student, so presumably, you aren’t commuting to and from campus.

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There’s an obvious work-around, though. You can take out a student loan and use it to pay for allowable expenses, like tuition and supplies that aren’t covered by your grants and scholarships, housing and groceries. I’m guessing those costs will add up to more than $3,500. Then you’d free up money in your budget for the car payment.

Realistically speaking, you can’t determine whether you’re spending student loan funds or money from other income sources once the student loan gets deposited into your bank account — unless, of course, you open a separate account for student loan disbursements. But the point is, as long as you don’t borrow more than your cost of attendance, minus grants and scholarships, you shouldn’t be breaking any rules.

In the unlikely scenario that your scholarships and grants cover all your costs of attendance, you could always get a personal loan for $3,500. Since you have strong credit and it’s a small amount, you wouldn’t pay too much in interest.

If you’re confident about buying the Prius, don’t hold off too much longer. Once a manufacturer sells 200,000 electric vehicles, eligibility for the credit starts to phase out. Toyota recently hit the 200,000-vehicle milestone, so barring legislative changes, that $7,500 tax credit will be reduced to $3,750 on Oct. 1.

Also bear in mind that EV tax credits are non-refundable, meaning the credit only applies to money you owe at tax time. For example, if you had a $7,500 EV credit but only owed $2,000, you’d wipe out the $2,000 tax bill but wouldn’t get a $5,500 refund.

It’s not just about the tax credits, though. You’ve clearly done the math and determined that this purchase makes sense. There’s no sense in sinking money into repairs for a vehicle you’re planning to get rid of.

A loan is a bad idea when you use it to buy a lifestyle you can’t afford. But that’s not the case here. As long as you don’t run afoul of Department of Education rules, I don’t see anything wrong with taking on this small amount of debt.

• • •

Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder. Send your tricky money questions to

Thu, 04 Aug 2022 22:00:00 -0500 en text/html
Killexams : Social media ‘gurus’ prey on India’s small retail investors

India’s mom-and-pop investors are facing testing times. During a pandemic-era surge in the stock market, millions poured their savings into equities, drawing on advice from unauthorized financial advisers and social media “gurus” to help identify the next big ticket.

But a exact slide in stock values has laid bare the dangers of India’s lax capital market regulations. Many amateur retail investors, especially the young, sought to make a quick buck by consulting informal groups on platforms like WhatsApp and Telegram. Recourse for investments gone awry is limited: In India, fines for everything from insider trading to wire fraud are a fraction of those imposed in some western nations.

India’s regulators are now cracking down on internet scams. The Securities and Exchange Board of India recently urged investors to stay vigilant of so-called “pump and dump” schemes — a type of securities fraud that involves artificially inflating prices — and not rely on stock tips from unverified online services.

It’s an increasingly fraught topic around the world. Securities regulators from Spain to Australia are mulling ways to enforce restrictions against social media influencers. Earlier this year, SEBI shut down a Telegram channel called “Bullrun2017” that purported to specialize in penny or small-cap stocks. Group administrators bought shares of small companies, recommended them to their 50,000 or so subscribers, and then sold them for a profit, according to a SEBI order.

In March, the regulator raided premises linked to seven individuals and one company running nine Telegram channels with more than five million subscribers. They utilized a similar strategy of inflating prices and then selling stocks at a high. Telegram declined to comment.

“Most of these paid services are not good,” said Aditya Trivedi, 25, who runs a popular Telegram group that provides free advice on trade calls. “They regularly post fake screenshots of their profits to stimulate greed. A small guy gets swayed by the hope that they will also make money.”

Trivedi, who has more than 30,000 followers and learned trading from Twitter, said companies often get in touch with influencers like him for paid advertisements to boost the value of their shares. He said he has refused such requests.

Loopholes Persist

The broad challenges of policing social media do not help. In April, Twitter was suddenly flooded with recommendations from several Checked handles to invest in shares of Supreme Engineering Ltd. — a special alloys and wire products manufacturer based in Mumbai — after it secured a government contract. Following the online promotion, the penny stock gained close to 21%.

Twitter and Supreme Engineering didn’t respond to requests for comment.

Enforcement is often tricky in India. Unlike in many western nations, where laws protecting investors are daunting and lengthy jail sentences are a real prospect for rule-breakers, India’s tangled legal system hardly acts as a deterrent. Many cases drag with no resolution. The capital market regulator was only granted the authority to arrest securities law offenders a few years ago.

What’s clear is domestic retail investors are here to stay. India has seen a steady rise in such investors over the past five years as a stagnant real estate market and low interest rates pushed the middle class to explore equity markets. This new cohort of investors is now a key shock absorber for India’s $3.2 trillion stock market, following a plunge in global indexes due to rising oil prices and the Russia-Ukraine war.

The number of new electronic trading accounts opened each month has increased six-fold between 2019 and 2022, according to India’s finance minister, Nirmala Sitharaman.

Pace of new stock trading account addition slows after rising in pandemic

But online fraud has surged in tandem with the growth of inexperienced investors. Indian consumers were 10% more likely than the global average to encounter a scam and three times more likely to continue with a ruse, according to a exact study from Microsoft Inc. The report consulted more than 16,000 internet users in 16 countries.

Vivek Mashrani, a former banker and founder of Techno Funds Ventures Pvt Ltd, an investor education firm, said the internet has supplanted television as the medium of choice for such scams in India. “Wherever there are audience eyeballs, people will use those channels directly or indirectly for their vested interest,” he said.

Many scammers have taken advantage of India’s shortage of registered investment advisers. The country currently has about 62 million unique investors, according to the National Stock Exchange of India, compared with just 1,330 advisers. According to SEBI rules, only certified analysts are permitted to provide financial services.

But loopholes persist, particularly online. In 2016, SEBI proposed barring unregistered individuals or firms from providing investment tips through social media. Still, the recommendation has yet to yield clear rules about whether advice can be provided in an informal educational capacity, an ambiguity many continue to exploit.

“Considering the increasing influence of social media platforms over investors, SEBI is likely to make amendments in its regulations to fill the gaps,” said Sumit Agrawal, a former assistant legal adviser to SEBI. “The success of such changes will be dependent on the way these regulations will be enforced.”

SEBI didn’t respond to several emails and calls seeking comment.

Identifying Traps

Kanika Arora, 34, an accountant from Mumbai, is one investor who said she fell into such a trap last year.

After subscribing to portfolio management services offered on Telegram by Namdev Mane Trading Academy, the eponymous founder contacted her directly on the platform. “I personally would be doing buying and selling in your account,” Mane wrote, noting that he would collect 40% of the profits and charge a one-time fee of about $60. “Please note that you can’t make money by trading yourself.”

Within a few months, Arora said she had lost more than half of her 100,000 rupees (about $1,250) investment.

“Ultimately, I was at fault for trusting someone who was not a SEBI-registered portfolio manager and hence I did not take any further action,” she said, adding that a friend had recommended Mane’s services.

In an interview, Namdev Mane, who lives in the city of Pune, said he’s an options trader and holds an MBA, but wasn’t registered with SEBI as an investment adviser. He denied wrong-doing, noting that he provides calls on Indian indexes, but doesn’t offer stock advice.

“Market loss is not equivalent to fraud,” he said. “I am not forcing anyone to take my services.”

Mashrani, the former banker, said Indian regulators need to boost the number of investment advisers by easing some restrictions. The NSE cautioned retail traders this month about reckless derivatives trading after observing that many online influencers were promoting complex options trading to inexperienced clients.

“More qualified people are needed to be allowed in the formal channel,” Mashrani said. “That will automatically eradicate the unregulated guys.”

Wed, 27 Jul 2022 18:02:00 -0500 en text/html
Killexams : Sustainability is Entrenched in Our DNA, Says Barrick

All amounts expressed in US dollars

TORONTO, July 28, 2022 (GLOBE NEWSWIRE) -- For Barrick Gold Corporation (NYSE:GOLD)(TSX:ABX), sustainability is not just a corporate function. It is entrenched in the company’s DNA and integrated in its decision-making processes, said president and chief executive Mark Bristow at the company’s annual Sustainability Update presentation to investors, from its Pueblo Viejo gold mine in the Dominican Republic today.

Since the transformational merger with Randgold Resources three and a half years ago, Barrick has combined the sustainability best practices from both companies to develop a comprehensive, industry-leading approach, characterized by tangible on-the-ground actions and measurable results. This was based on four key drivers: creating economic benefits, protecting health and safety, respecting human rights, and minimizing environmental impacts.

In 2021, Barrick completed the certification of all its sites to ISO 45001 and ISO 14001, implemented biodiversity action plans at all sites, completed 10 independent tailings reviews, spent $5.5 billion with host country suppliers and committed over $850 million to decarbonization projects. Host country nationals comprise 96% of its global workforce.1 Its Lost Time Injury Frequency Rate has decreased by 24% since 2019 and the Total Recordable Injury Frequency Rate has dropped 13% year-on-year.2

In its annual Sustainability Report for 2021, which includes a scorecard rating its performance against a wide range of metrics and its peers, Barrick achieved a B, saying that while it continued to make progress, there was still some way to go. The sustainability scorecard is an industry first and is used to drive performance as well as to benchmark Barrick against its peers.

On the environmental front, Barrick is committed to reducing emissions by at least 30% by 2030 against the 2018 baseline and to be Net Zero by 2050 while maintaining a steady production profile. Projects to help achieve these milestones are listed in a comprehensive greenhouse gas emissions reduction roadmap and involve transitioning from coal and heavy fuels to cleaner-burning natural gas as well as integrating renewable energy sources into its grids. Barrick’s total emissions in 2021 were 7,105kt of CO2e, a decrease of more than 5% when compared with its total 2018 baseline emissions of 7,541kt of CO2e.

“Sustainability, or ESG, is commonly divided into and dealt with through its individual components, Environmental, Social and Governance management. At Barrick we believe that approach to be one-dimensional. Instead, we recognise the interlinks between each and apply holistic thinking when dealing with this complex challenge. This means when we talk about climate change, we don’t just talk about reducing our emissions. Rather, we talk and think about tackling poverty, building community resilience and ensuring that action on climate change does not come at the cost of development. It also means we don’t just think about clean fuels and renewable power, we also consider biodiversity and the nature-based solutions available to tackling the problem,” said Bristow.

The Sustainability update presentation with audio is available on the Barrick website at


Investor and Media Relations
Kathy du Plessis
+44 20 7557 7738


Endnote 1

As of December 31, 2021

Endnote 2

Lost time injury frequency rate (“LTIFR”) is a ratio calculated as follows: number of lost time injuries x 1,000,000 hours divided by the total number of hours worked. Total reportable incident frequency rate (“TRIFR”) is a ratio calculated as follows: number of reportable injuries x 1,000,000 hours divided by the total number of hours worked. Reportable injuries include fatalities, lost time injuries, restricted duty injuries, and medically treated injuries.

Cautionary Statement on Forward-Looking Information

Certain information contained or incorporated by reference in this press release, including any information as to our strategy, projects, plans or future financial or operating performance, constitutes “forward-looking statements”. All statements, other than statements of historical fact, are forward-looking statements. The words “commitment, “vision”, “target”, “roadmap”, “aim”, “outline”, “plans”, “strive”, “improvement”, “objective”, “will”, “can” and similar expressions identify forward-looking statements. In particular, this press release contains forward-looking statements including, without limitation, with respect to: Barrick’s sustainability strategy and vision; Barrick climate strategy and approach to managing climate risks; Barrick’s greenhouse gas emission reduction targets and ultimate aim to achieve net zero emissions by 2050, Barrick’s environmental, health and safety, corporate social responsibility and human rights programs, policies and performance; and Barrick’s sustainability scorecard and 2021 sustainability performance.

Forward-looking statements are necessarily based upon a number of estimates and assumptions including material estimates and assumptions related to the factors set forth below that, while considered reasonable by the Company as at the date of this press release in light of management’s experience and perception of current conditions and expected developments, are inherently subject to significant business, economic and competitive uncertainties and contingencies. Known and unknown factors could cause actual results to differ materially from those projected in the forward-looking statements and undue reliance should not be placed on such statements and information. Such factors include, but are not limited to: failure to comply with environmental and health and safety laws and regulations; non-renewal of key licences by governmental authorities; changes in national and local government legislation, taxation, controls or regulations and/or changes in the administration of laws, policies and practices; expropriation or nationalization of property and political or economic developments in Canada, the United States and other jurisdictions in which the Company or its affiliates do or may carry on business in the future; timing of receipt of, or failure to comply with, necessary permits and approvals; lack of certainty with respect to foreign legal systems, corruption and other factors that are inconsistent with the rule of law; risks associated with illegal and artisanal mining; risks associated with new diseases, epidemics and pandemics, including the effects and potential effects of the global Covid-19 pandemic; damage to the Company’s reputation due to the actual or perceived occurrence of any number of events, including negative publicity with respect to the Company’s handling of environmental matters or dealings with community groups, whether true or not; risk of loss due to acts of war, terrorism, sabotage and civil disturbances; litigation and administrative proceedings; contests over title to properties, particularly title to undeveloped properties, or over access to water, power and other required infrastructure; risks associated with working with partners in jointly controlled assets; employee relations including loss of key employees; and increased costs and physical risks, including extreme weather events and resource shortages, related to climate change. Barrick also cautions that its 2022 guidance may be impacted by the unprecedented business and social disruption caused by the spread of Covid-19. In addition, there are risks and hazards associated with the business of mineral exploration, development and mining, including environmental hazards, industrial accidents, unusual or unexpected formations, pressures, cave-ins, flooding and gold bullion, copper cathode or gold or copper concentrate losses (and the risk of inadequate insurance, or inability to obtain insurance, to cover these risks).

Many of these uncertainties and contingencies can affect our actual results and could cause actual results to differ materially from those expressed or implied in any forward-looking statements made by, or on behalf of, us. Readers are cautioned that forward-looking statements are not guarantees of future performance. All of the forward-looking statements made in this press release are qualified by these cautionary statements. Specific reference is made to the most exact Form 40-F/Annual Information Form on file with the SEC and Canadian provincial securities regulatory authorities for a more detailed discussion of some of the factors underlying forward-looking statements and the risks that may affect Barrick’s ability to achieve the expectations set forth in the forward-looking statements contained in this press release.

We disclaim any intention or obligation to update or revise any forward-looking statements whether as a result of new information, future events or otherwise, except as required by applicable law.

Thu, 28 Jul 2022 07:32:00 -0500 en text/html
Killexams : Dear Penny: Do my kids get my life insurance if I didn’t disclose terminal illness?

Dear Penny,

I have a life insurance policy worth $1.5 million with my two kids as beneficiaries. I have a degenerative disease called Spinocerebellar Ataxia Type One, which was diagnosed one year before I bought the policy. It’s a rare condition that is not well-known.

The disease will have me bedridden at the end of it. When I pass away, will the company pay the death benefit? Or hold it back as I passed away due to a degenerative disease? As far as I remember, there was no place to indicate Ataxia on the signup form. There were questions about multiple sclerosis, which is better known.

I want to discontinue the policy if there is no benefit to it. I was diagnosed in 2014 and bought the policy in 2015.

-Desperate Single Mom

Robin Hartill [ The Penny Hoarder ]

Dear Desperate,

I can’t promise you with 100% certainty that your policy will pay the death benefit. But in all likelihood, your kids will get that money without issue.

For starters, it’s actually quite rare for insurers to delay life insurance claims or deny them altogether. In 2019, life insurance companies disputed about $600 million worth of new claims, according to the American Council of Life Insurers. That amounts to less than 1% of the $78 billion paid out to beneficiaries in the same year.

A denial is most likely to occur when someone dies within the two-year contestability period that’s typically in effect from the time you obtain your policy. Basically, if you die within that two-year window, the insurer can investigate your application for “material misrepresentation.”

That could include blatant falsehoods on an application, like lying about a cancer diagnosis or a drunken driving conviction, or saying you work a desk job when you really have a dangerous occupation. But material misrepresentations can also result from honest mistakes. Some people fail to mention a prescription or procedure they had years ago on the application, simply because they forgot it.

The company can deny the claim if you die during the contestability period and it finds evidence of material misinformation, even if your death had nothing to do with the information you failed to disclose. If you lied about a cancer diagnosis, then died from being struck by lightning, they could still deny your claim. The overwhelming majority of claims will still be paid out when someone dies within the contestability period. It’s just that the insurer will typically provide them a bit more scrutiny.

In your case, obviously, the two-year contestability period has long since passed. It would be highly unusual for an insurer to investigate your claim in the circumstances you describe. But it can still happen if the company suspects fraud.

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“A life insurance carrier could technically deny a claim after the contestability period if they suspected the insured committed insurance fraud, or if the insured willfully provided misstatements on the application,” said Jason Veirs, president and owner of Insurance Experts Solutions Inc., a San Diego-based insurance brokerage.

Your situation is tricky. Even though the application didn’t ask specifically about your disease, it probably did include questions where you were expected to disclose any conditions not mentioned.

Most applications include detailed questions like, “Have you ever been treated or told by a member of the medical profession that you have high blood pressure, heart issues or joint issues?” or catch-all questions like, “Other than what you have already disclosed, in the last five years, have you consulted or been treated by another practitioner or physician, or received any other treatment which wasn’t disclosed?”

“Most of these questions will suss out any sort of health history on the application,” Veirs said.

Again, it would be unusual for your beneficiaries’ claim to be denied given how much time has elapsed since the policy was issued. You’ve spent years paying the premiums on this policy. It’s very likely that your kids will get your death benefit.

If you’re OK with those odds, you can keep paying the premiums on the policy, knowing your money probably isn’t going to waste. It’s especially important, though, that you don’t let the policy lapse. If the policy lapses and you reinstate it, you’d trigger a new two-year contestability window.

The big question you need to ask yourself is: Would having the money you’re spending on premiums make life easier right now? I ask because you signed your letter as “Desperate Single Mom.” If you’re struggling right now and your kids are grown and self-sufficient, you may not need life insurance at all. The purpose of insurance is to protect against a financial loss. It’s OK to decide that you need money in your pocket now more than your children need a life insurance payout someday.

My last piece of advice isn’t for you, Letter Writer, since we can’t turn back time. But for any readers who are shopping for a life insurance policy: It may be tempting to not disclose a diagnosis on your application, particularly if you’re confused about whether it’s necessary. But it’s in your best interest to err on the side of disclosure.

The goal of buying life insurance is to protect your family financially. Make sure you know with certainty whether the policy you’re buying will actually afford protection.

• • •

Robin Hartill is a certified financial planner and a senior writer at The Penny Hoarder. Send your tricky money questions to

Thu, 28 Jul 2022 22:25:00 -0500 en text/html
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