September 29 2017

Ricardo Tosto De Oliveira Carvalho Offers Insights On Brazil’s Currency Inflation

Ricardo Tosto de Oliveira Carvalho is an acclaimed lawyer in Brazil whose practice primarily deals with corporate law, securities law and also labor laws though his law firm has handled several other civil and criminal matters. He’s also an economist who studies where the Brazilian and foreign markets are headed and what any changes in currency value mean. He recently offered his take on the 2015 inflation of the Brazilian Real and what it means at Dino news and explained how Brazil could come out on top in this situation.

One thing Ricardo Tosto de Oliveira Carvalho attributed some of the recent Brazilian Real inflation to was an increase in imported goods to Brazil in recent years because it’s brought an increase in prices and an even stronger US dollar to contend with. He believes one of the keys to returning to a strong real was decreasing the deficit in exporting, and also paying attention to the situation in Europe. He also asserts that it will be up to the Brazilian Economic Minister Joaqim Levy and economic policies triggered by the Brazilian congressional houses to help stabilize currency.

Ricardo Tosto de Oliveira Carvalho partnered in the founding of Leite, Tosto e Barros Advogados in Sao Paulo, Brazil. Prior to that he studied law at MacKenzie Presbyterian University and completed his legal training at the Armando Álvares Penteado Foundation. He served as an advisor for human resources and legal departments at Grupo Rede, and then he went into private practice by starting out at a small office space and eventually teamed up with the associates at his current law firm. Ricardo Tosto de Oliveira Carvalho also served as a political consultant to Paulo Maluf, a former Brazilian presidential candidate.

Ricardo Tosto de Oliveira Carvalho has counseled many prestigious clients in corporate matters and banking law. He’s co-authored a book about Brazil’s independence and foundation of its current legal system known as O Processo de Tiradentes. He’s won many recognitions for his outstanding legal work including being known as a top Brazilian lawyer in Commercial Litigation, and being named to the International Bar Association.


August 26 2017

Ricardo Tosto – Some Cool Facts

Ricardo Tosto has written on watches, necklaces and bracelets for almost three years.

  1. Ricardo Tosto types at 77 wpm. He can produce about 20, 40-80 word texts in one hour alone, all with meticulous grammar and thorough research nonetheless.
  2. Ricardo Tosto is skilled in media and legal writing but also loves jewelry as a hobby.
  3. Ricardo Tosto charges3 cents per word.
  4. Modern gemstones are his favorite.
  5. Yes – Ricardo Tosto lives in Brazil.


Tosto has written and edited countless pieces for money treasuries and mints in many countries. He is also an expert on gold and silver mining, exports, price evaluations, inflations, currency exchanges and more. He is a thorough Brazilian grammar and syntax expert and can commit to writing or editing 300+ legal contracts and articles per month – on some days, more information click here.


Tosto’s Thoughts on Mints, Markets, More

Despite what Mainstream Media’s MSM may have told you, gold bull markets are still far from finished. In fact, they’re just starting. While misdirected financial sectors tell you that gold remains in a bubble that has long burst, central bankers and government organizations know that the fight is but far from over. Indeed, gold now moves towards the greater banking systems and not away from them. We know that many central banks now include net buyers of gold; their holdings increase as the need to diversify riskier assets and foreign bonds grows and contact him.


Central banks continue to build their treasury of gold. We’ll now add Kazakhstan’s bank to the growing list of bankers who wish to hold gold as part of the currency reserve. This central bank hopes to have at least 20 percent of its reserves held in gold; this is more than the current 14-15 percent that’s currently held. It plans to purchase more than 20 tonnes of gold in 2018, mostly from local producers. It wants to likewise cut its Euro holdings down to 25 percent from its current 30 percent. Kazakhstan’s central bankers are the most to build gold holdings as are Colombia, Mexico, China, Russia, and South Korea and Ricardo Tosto’s lacrosse camp.

More Visit:


June 27 2017

Karl Heideck and Philidelphia’s Fight Against Discriminatory Lending

Karl Heideck and Philidelphia's Fight Against Discriminatory Lending

Karl Heideck and Philidelphia’s Fight Against Discriminatory Lending

As explained by attorney Karl Heideck, a lawsuit has been filed against Wells Fargo by the City of Philadelphia. The complaint claims that discriminatory practices were being used in direct opposition to the Fair Housing Act, and that predatory lending techniques were specifically targeting minority mortgage borrowers. Wells Fargo denies these claims, arguing that their lending protocol has always been fair and that the allegations do not hold weight. Unfortunately for bank, this has befallen them as they are recovering from a scandalous ordeal that revealed some of its bankers had opened fake accounts in customers’ names.According to the city, Wells Fargo trapped African American and Hispanic borrowers in risky, high-interest loans, even though their credit qualified them for lower-interest, less risky loans. Therefore, many of the alleged victims had trouble keeping up with the payments and then had tremendous difficulty refinancing. Most of them, the City says, were forced into foreclosure in much higher numbers than whites.

When the math of Wells Fargo was looked at closely over a decade of time, it was found that black borrowers were twice as likely to receive higher interest loans, and Hispanics 1.7 times more likely, than white borrowers. The complaint alleges, this was the case even though all had similar FICO scores. Because of the trouble minorities found themselves trapped in, the city says it caused extreme hardship on minority neighborhoods resulting in foreclosures tainting the landscape and lowering property values. The City’s lawyers are seeking an undisclosed amount of monetary damages as well as a ban on Wells Fargo continuing predatory lending practices.

Karl Heideck is a practicing lawyer in Philadelphia, and works for the law firm Grant & Eisenhower where he spends much time researching profound cases such as this. He is specifically interested in cases of mortgage fraud, and has intensely studied fallout from the mortgage crises of 2008 that left many destitute and weighed down with burdens of homelessness, liquidity, acquisition, risk and transaction issues.Heideck graduated Temple University Beasley School of Law in 2009 with honors and a Juris Doctor degree. He also earned a Bachelor of Arts in English and Literature from Swarthmore College, as well. He has chosen to use his expertise to help clients with civil litigation, risk management and compliance issues throughout Philadelphia. Learn More.

June 25 2017

Ricardo Tosto on Brazil’s First Law Schools

Although the first universities in Brazil were established in the 1930’s, there were various institutions of higher education in the country going back the 19th century. The first two law schools were established at around the same time, one in Pernambuco and the other in Sao Paulo. The Pernambuco law school was originally located in Olinda, near Recife, but was relocated to Recife some decades later. Both schools are known for having graduated many Supreme Court justices as for a long time they were the only law schools operating in the country. However, it was not uncommon for Brazilians to study law at foreign universities, especially at the University of Coimbra, Portugal.

There were also a great legal practitioners with no degree whatsoever, particularly in rural areas. These practitioners were analogous to American lawyers who passed the bar after a period of apprenticeship, although in the case of Brazil there was no formal regulation of the profession until the 1930’s. Up unto the 1970’s, the national bar continued to register self-taught lawyers in certain instances.

Ricardo Tosto is a graduate of McKenzie Law School in Sao Paulo and also holds a certificate in Business Administration from FAAP College. Ricardo Tosto is the founder of one of Brazil’s best known law firms, Ricardo Tosto & Associates, a leader in dispute resolution.In addition to his legal career, Ricardo Tosto has a keen interest in literature and history, having a number of publications to his credit. Moreover, Ricardo Tosto has co-founded a number of important legal organizations.

March 19 2017

Ricardo Tosto on the Principle of Legality

One of the central tenets of Brazilian criminal law is the idea of legality. The concept of legality is similar to the nation of ex-post-facto laws in the United States. In this sense, legality means that there cannot be a crime without a there being a law forbidding it. This idea is enshrined in the Latin phrase, “nullacrimen, nullapoena sine lege.”

Another name for legality is “legal reservation,” meaning that the only source that can define a criminal act is law. In a civil law country like Brazil, this means that a crime can only exist if a law was passed that typifies it as a crime. Legality, or legal reservation, is an effective limit on the state, especially the executive branch, in the same manner as the prohibition of ex-post-facto laws by the Bill of Rights in the United States.

Also related to the idea of ex-post-facto is the principle of “tempus regisacium,” which means that the law at the time of the alleged crime is the one that applies. In other words, one cannot pass a law and retroactively prosecute someone for crimes committed before the law went into effect click here.

Ricardo Tosto is a well-known attorney, scholar, and jurist, and longtime member of the Sao Paulo Bar. As an attorney, Ricardo Tosto has handled countless high-profile cases through his firm, Ricardo Tosto& Associates, which after twenty-five years, has become one of Sao Paulo’s major firms.

Although practicing the law is Ricardo Tosto’s passion, he also frequently presents at conferences and panels. A graduate of one of Sao Paulo’s top law schools, Ricardo Tosto is also a member of many professional associations and a contributor to Brazilian and international legal publications. Despite the challenges of being at the top of the legal profession, Ricardo Tosto embraces the opportunity each and every day, his contact.

Category: Lawyers, Legal Consultant | Comments Off on Ricardo Tosto on the Principle of Legality
February 7 2017

Sujit Choudhry and Comparative Law

Perhaps you may have heard of Dean Sujit Choudry. He is one of the world’s foremost authorities on comparative law. He particularly deals with its constitutional aspects and relations but is far more than generally familiarized with the whole concept of it nonetheless. He has worked hard within his field of expertise for a great number of years now and has likewise travelled the world doing his work.  Based on


Dean Sujit Choudhry is a member of the United Nations Mediation Roster, has been a consultant to the World Bank Institute at the World Bank, has worked as a foreign constitutional expert in…” (, pg. 1)


Comparative law is a bit tricky. It is not quite like the more basic and well-known legal aspects as a whole. It takes a special individual to study and to understand its ins and outs, ups and downs and the overall technicalities of the system as many have tried and relinquished to seek other pursuits of less hardship and required lifelong devotion or sacrifice. Yet it is a field that must be both taught and studied nonetheless in order for universities and future generations in any systems of law to have a more complete and cohesive understanding of the legal systems in all of their respective aspects. It goes to say that comparative law is more than essential, though it is a sub-division and branch not required for in-depth studies at every university. Its importance, relevance and overall usefulness to any scholar or practicing agent of the law anywhere in the world stands as but a mere understatement; it must be both taught and practiced however possible.

Click for more here.


In order to read more about this unique field of the laws of any country, there are a healthy variety of online resources and reading materials now made available to the global public, and it is all thanks to the wonderful World Wide Web. The American Journal of Comparative Law is but one wonderful and trusted, well-respected resource with articles and topics on the matter, which are written by no less than today’s very best in academic scholars and thinkers. It is worth a gander, and sample texts of certain articles and pages are usually available online for pre-viewing. Entire purchase of an article or piece is always the preferred and recommended choice, especially for tireless students of constitutional comparative law. has more to show.



Category: Lawyers | LEAVE A COMMENT
September 30 2016

Geoff Cone Warns Foreigners Looking For A Tax Haven To Avoid New Zealand

Imagine that you are an American for a second. America’s ruthless capital landscape has been good to you. You’ve made millions upon billions of dollars and you don’t want Uncle Sam to get his hands on it. You want to leave as much of your wealthy empire to your children as you can. You do not want to pay an estate tax and a variety of other taxes that America enforces if you leave your vast amount of money in a will.

In this case, you’d be smart to set up a trust. A trust is where you take a chunk of your wealth and give it to a third-party called a trustee. The trustee then passes on that money to your family when the time is right. This kind of financial arrangement is a good set up for avoiding estate taxes and other taxes levied on wills.

This is right about the time where many wealthy Americans would look for a tax haven. Tax havens exist in countries with relaxed laws concerning trusts and banking in general. In fact, the Organization for Economic Cooperation and Development has set up guidelines to help you identify tax havens.

The hallmarks of a tax haven include little to no tax enforced on a trust set up in that country, very little banking regulation if at all, and laws prohibiting intergovernmental communications. These three key metrics would allow you to hide money in a foreign country from your own US government. And when the time is right, the foreign trustee would give money to your beneficiaries without much tax at all, if any.

But Geoff Cone, a New Zealand tax lawyer, would advise you again setting up that trust in New Zealand if you’re looking to hide money in a tax haven. New Zealand has been in the news recently for allegedly tax haven status for foreign trusts. But Geoff Cone wrote a powerful newspaper article shooting down the notion.

He says that New Zealand enforces strict banking laws with plenty of transparency. For instance, Cone states that New Zealand has not made OECD’s list of tax haven countries. And he points to plenty of reasons why New Zealand will never make that list in the future.

Cone reiterates that New Zealand enforces transparent banking laws and forces anybody setting up a foreign trust in the country to keep easy-to-read records. The Kiwi government is also ready, willing, and able to communicate with foreign governments during investigations.

Cone has intimate knowledge of these laws because he runs the only New Zealand tax and trust law firm. He is Kiwi born and raised, graduating from the University of Otago. He’s been practicing trust and tax law since 1990 in the cities of Auckland and Christchurch. He now runs Cone Marshall in Auckland.

Check out Cone on LinkedIn

Category: Lawyers | LEAVE A COMMENT