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.

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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.

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February 16 2017

The Expertise of Sujit Choudhry on Comparative Law

Comparative law is a subdivision of law that focuses on the resemblances and the differences between the different forms of legal systems in the world. Comparative Law is an academic discipline that includes, the legal system, the elements of them, how well they all combine into one system, and how much they differ from each other. The types of law comprise of the Hindu Law, Chinese Law, civil law, constitutional law, criminal law, commercial law, administrative law, and the common law. For the reasons of internationalization and globalization, the comparative law has become an integral and essential field in the current world. In the development of another field of law like social law and common law, the comparative law has been being very useful.


Sujit Choudhry is currently one of the most recognized experts in comparative law. Comparative is done with a purpose of gaining deeper knowledge and perfecting on legal systems. Mr. Choudhry gained his first degree from McHill University calibrating with a Bachelor’s in Applied Science. Choudhry proceeded to the University of Toronto where he graduated with an LL.B. He also went to the prestigious Harvard University where he earned an LL.M. He started his career as a clerk at the Supreme Court of Canada. Sujit later became a professor at the University of Toronto. Presently, he is the Michael Heyman Professor at the University of California, Berkeley.


Mr. Sujit Choudhry sits as a member of several boards. The boards that he serves include the Advisory Board of the Cambridge Studies in Constitutional Law, International Society of Public Law’s Executive Committee of and the Editorial Board of the International Journal of Constitutional Law. He also has served on various panels as a member in Toronto that includes the Board of Directors of Legal Aid in Ontario and the Governing Toronto Advisory Panel. Sujit also has been regarded to help in the constitution-building process in countries such as Tunisia, South Africa, Sri Lanka, and Nepal.  Check this.


In 2010, he was among the three recipients awarded the Trudeau Fellowship that year. Choudhry has worked with a couple of international organizations and has also served well as a consultant to the World Bank. Sujit Choudhry served in the United Nations as a member of the Mediation roster. Sujit has been the founding director of the Center for Constitutional Transitions, and this is a university-based research center, which helps the experts to work jointly on research projects. These projects help raise policies that are used to aid in the enlisting of constitutions. In some collaborative projects, Sujit Choudhry is presently the global leader.  Source