How To Choose The Right Lawyer In Brazil

Whether you are facing a business dispute or a personal matter such as divorce or child support, you need a good lawyer on your side. And it is important that you do your home work and check out the lawyer before making a decision.

Many people have difficulties picking the right legal advisor or lawyer for their case yet it shouldn’t be that way. Selecting a legal advisor is similar to picking any other professional or expert. There are a few things that you have to consider before choosing someone to represent you.

Some individuals pick an attorney because their family, friend or coworker recommended him or her. Truth be told, getting recommendation from the people you know and trust, is a proven approach to locate a good attorney. Make sure you consult with different experts, for example, accountants and doctors you know, to see whether they can recommend a reliable lawyer.

When you have assembled several names of trustworthy attorneys that have great experience and expertise in the type of case you are dealing with, it’s a good idea to look into their experience and pick the most suitable one for your circumstance.

You should request a consultation so you can go over your case and figure out whether the attorney is the right fit for your situation. Make sure to have your documents with you during the meeting or consultation, and be prepared to take notes. Give careful consideration to the lawyer’s reaction to your worries and inquiries.

Before you ultimately sign a contract or agreement with a legal advisor, make sure you have read and understood how your case will be handled, and the lawyer’s fee structure that applies in your situation. Review the fine print before you sign any document or agreement. Once you have a good lawyer, you can rest assured that your case will be handle properly.

Ricardo Tosto de Oliveira Carvalho has great expertise in litigating business law cases. He is a Brazilian lawyer who represents clients in business related matters. Ricardo Tosto has practiced for many years and is well known for mounting strong legal defense for his clients. He has handled very tough cases for many high profile clients, including individuals and corporations. Mr Ricardo Tosto pays attention to his clients and develops the best litigation strategy for each case he handles.

Bruce Levenson’s Path to Success

When a discussion starts regarding the top self-made millionaires in the country, Bruce Levenson’s name is usually one of the first to be mentioned. From a middle class Jewish family living in Maryland, he used his own business genius to start a company that would go on to be incredibly successful. Levenson’s story is proof that anyone can make it if they are dedicated to their goal. Although it took a while for him to figure out exactly what to focus his attention on, he never let go once he found it. He is now one of the owners of the Atlanta Hawks professional basketball team in the NBA. His path to this lofty perch is very impressive. Let’s take a look at how Bruce Levenson became a force to be reckoned with in the business world.

Not surprisingly, Times’ Bruce Levenson boasts a very impressive academic background. This is a common theme when you start to look at millionaires that made all of their money without the aid of a rich family to get them started. He earned a bachelor’s degree from Washington University. It is generally regarded as one of the finest academic institutions in the United States. His success at this school allowed him to easily get accepted into the law school of his choice. He decided to go to American University because the law program at that school is very highly regarded.

Interestingly, it was not in the legal profession where Levenson first became a success. He did graduate law school. However, it was a business idea that he and a friend came up with that eventually made him rich. Back in the late 1970s, the oil industry was very chaotic both in America and overseas. Because of this, there was a great deal of important information that companies in the oil industry needed in order to keep apprised of what was going on in other countries. This was many years before the Internet, so information on many subjects was hard to come by. Levenson and a friend started a company called United Communications Group (UCG). They had the bright idea to publish a newsletter that would include all of the most important information in the oil industry in a way that was easy to read. Many oil industry companies started to buy their newsletter in large quantities to distribute to their subsidiaries. It was not long before they started to branch out into newsletters featuring information in other industries.

UCG continued to expand. Because of this, Levenson’s wealth kept growing at a steady rate. In 2005, he heard that longtime owner Ted Turner was finally going to be selling the Atlanta Hawks. Since NBA teams do not go up for sale very often, Levenson knew this was a unique business opportunity. He gathered some other successful people he knew from his various business dealings. They combined their money and made a successful bid to buy the Hawks. Levenson has also used his considerable wealth to help people who are poor and uneducated.

US Money Reserve to Grow Your Portfolio


When you think about the average portfolio of any individual, there truly are a lot of people out there who are just investing without really knowing what they are getting themselves into. It’s bad enough that some people don’t invest at all, but the ones that do might not even know what they are putting all of their time and energy into in the first place. If you are simply looking for the opportunity to put your money into something that makes sense financially but also from a logic point of view, what you need to do is look to see what the US Money Reserve can offer overall to anyone who wants to invest in gold.

When it comes to gold, the fact of the matter is people definitely covet it. They might not be crossing a country in anticipation of great gold rush, but they are still valuing it as a major asset in general. People invest in certain and different assets classes all of the time just so that they have the ability to diversify their current portfolios and hopefully have the right selections to grow at a rate that is greater than the market.

When you think about gold in general, you can already tell how some people get so rich and generate so much wealth so quickly. Even though there are some indiviudals who continue to chase the bubble-esque items that have gone belly up in recent years or decades, those who invest in gold are investing in an item that has tangible and real value. When you think about the most basic rules of investing you always think about how you are investing in something that serves a purpose other than just as an investment. If something has real value then it also holds financial value.

The US Money Reserve is a great entity because they continue to preach these very ideas about investing in objects and tangible things that will hold a value for a long period of time. When you are thinking about growing a portfolio, the folks from the US Money Reserve will be able to point out exactly how it is so important to take a position in an asset like gold in the first place. Not only will you be able to see just how important it is with respect to transactionary value, but the demand for gold will sustain itself and continue to grow long after the next bubble pops.

Health Companies upgrade hailed

Every day, someone is dropping by a chemist to look for a drug. Hundreds of others are queuing at the doctor’s office to seek treatment. This has been occasioned by the reduced health levels due to lifestyle problems. Specialists have thus taken a step to improve health care services. This includes researching on the best drugs which are fit for the patients. Preventive methods are also being used by different health care companies in a bid to combat the pain and agony of sickness. The year 2014 saw a great achievement upon adoption of Affordable Care Regulations Act. The year also saw more stakeholders being pulled in the health care solution finding equation.

Expanding to meet needs

The need for accessible and affordable health care has been raging for years. The upgrade has seen companies like CVS improving from a drug retailer to a center which will provide integrated health services. The purchase of Omnicare at a price of $12.7 billion by CVS is a sign of desire to improve health. The aging population, which is CVS’s target customers are thus assured of better services. People can thus be assured that the rush to upgrade the level of health care service provision will be to their benefit. It is ranked #10 in the Fortune 500 with a tune of $139.4 billion revenue in 2014.

McKesson which is worth $138 billion is one of the U.S largest distributors of pharmaceutical products. It has increased the wholesale segment of the business showing commitment to better services. The San Francisco based company acquired Celesio of Germany in 2014. The company has also continued to develop software to help the healthcare community. By 2015, the technology segment will upgrade to $3 billion. This will see it come second best after Cerner. The services in technology include revenue cycle management,electronic health recording systems and healthplan payment strategies. It is ranked number 11 in the Fortnune 500.

Health care companies like AmerisourceBergen is making the world of health service better. After partnering with Walgreens Boots Alliance in 2013, the generic drug buying deal from manufacturers became better. This is because of the discounts awarded to them. The purchase of MWI veterinary Supply by AmerisourceBergen indicates progress in this field. The company is at the tune of $119.6 billion and in the Fortune 500 it ranks #16.

Nobilis Health growing in leaps and bounds

In 2014 the Nobilis health according to cantechletter was born after the change of name from Northstar Healthcare Inc. the president announced that it part of the mega plan to expand in the U.S capital markets. The change of name was out of the need to make it unique in the market. The company owns and operates a wide range of health care services. This includes surgical hospital centers and ambulatory surgical centers. The 60% stake acquisition of Freedom Pain hospital is a sign of the devotion to make health care better and bigger. It has served a large number of people in the aging population and those with obesity who need surgical services.

Kenneth Griffin: A Businessman To Be Remembered For Ages

Ken Griffin was born and raised in Daytona Beach in Florida. He began investing while he was in his very first year at Harvard University when he read an article in the Forbes journal. In the middle of his second year, he started another hedge fund based on changeable bond arbitrage. He finally graduated from Harvard in 1989 with a Degree in Economics.

The fund got capital from money borrowed from family and friends with some amount coming from his grandmother and ultimately totaled to a sum of $265,000. He afterward mounted a satellite link on top of his university dormitory so that he could get real data easily.

Set with a fax machine, telephone, and personal computer, Kenneth Griffin started trading while still in university in his dormitory room in 1987. From this lowly but determined starting, he drew the attention of Frank Meyer, a hedge fund pioneer and co-founder of Glenwood partners, a company based in Chicago. The performance by Griffin made him have the opportunity of establishing a company that would blossom into a corporation named Citadel.

Kenneth came up with Citadel in 1990 and is presently the organization’s CEO (Chief Executive Officer). This entity is a large financial institution comprising of the Citadel Group that is also narrowed down into citadel technology, Citadel, and Citadel securities. Citadel Technology offers solutions on investment to administration technology; Citadel is a substitute industry manager of top assets; Citadel Securities deals with being among the leading liquidity providers in the capital markets of America. There are around 1,250 workers at Citadel all over the globe.

Griffin has enough times made his stand on the matters concerning structures of markets and regulations pertaining to the financial sector throughout his years serving as the business manager that has led to him testifying in several government hearings. One such scenario is when he testified in front of a US Senate committee case on the function of regulations in sharing equity market structures as well as electronic trading. His speech was mainly focused on the crucial need of having industrial protocols put in place to aid in catching up with market structural changes to be able to enhance fairness and resilience in all the American equity marketplaces.

Kenneth is an enthusiastic sponsor of education causes that could help in the improvement of the society. That is why he is a board of directors’ member of the Chicago Public Education Fund. He also supports Harvard University where he obtained his degree from. His donations towards improving the lives of people in the society have totaled to an amount close to $250 million – through cash gotten from Citadel and some from his personal savings. Most amazingly, he has made donations to University of Chicago, Art Institute, and Lurie’s Children Hospital. He made a donation of $150mm to Harvard, the biggest award received by the campus during that time.

Kenneth is an associate of several business institutions like the Commercial Club of Chicago, an economic club of Chicago and G100.

Bernardo Chua and the Success of Organo Gold

As listed on his Facebook, Bernardo Chua is from the Philippines and has worked for years in multilevel marketing. He worked first with Gano Excel as an executive in the Philippines. After three years, he helped expand Gano Excel across Hong Kong, Canada and finally the United States. In 2003, Bernardo Chua moved to California and became president of Gano Excel USA.

At first he struggled to get the U.S. Operation off the ground, this changed when Bernardo Chua brought in Joven Cabasag. This is where Bernardo’s true expertise in multilevel marketing came in handy. Bernardo Chua is excellent at bringing in the leadership needed to help grow a company to the next level. Joven Casabag has more than 15 years of MLM experience and brought new energy to the company to help create its “healthy coffee” model. This puts it into place a five-level deep marketing structure specifically tailored to the U.S. Market.

More problems persisted in April 2004, the FDA warned the company about its claims that its products help detect hidden diseases and help remove excess cholesterol and toxins from the body. In February 2005, Gano Excel issued a recall and allergy alert concerning some of its products. This was because Health Canada, the government health agency of Canada, conducted tests revealing the presence of milk protein, which was not stated on the product label.

Ganoderma Lucidium is a healthful mushroom with over 4000 year old history, health claims of medicinal use in Asia; which is backed by numerous modern scientific studies. But, the clinical studies necessary for a FDA review have not been done. Therefore, no FDA health claims can be made yet. Bernardo Chua realized Gano Excel was going to do fine in the U.S., but was never going to reach to its full potential. Not only with FDA problems, but, Bernardo Chua realized Gano Excel being grounded in Asian culture, was going to have more problems. Asian culture is different from U.S. Culture, he felt Gano Excel would have difficulties adapting to the U.S. market.

Bernardo Chua had to leave Gano Excel, which in 2008 was when Organo Gold was founded with headquarters in Vancouver, British Columbia. The Organo Gold leadership is more American than Asian unlike Gano Excel and are task-oriented. The company sells Certified Organic Ganoderma Lucidium through many of their coffees, teas, nutraceuticals and personal care products. Organo Gold currently works in over 35 countries and is privately held. Bernardo is now the CEO of Organo Gold and has made the company succeed as a network-marketing corporation. His knowledge of Ganoderma Lucidium has made Organo Gold company able to reach out to other countries.

Handy Home Cleaning Service Is Reliable

Keeping your home clean is important. But, it can also be extremely time-consuming. There is no need to waste your time vacuuming bedrooms and dusting window sills when you could be spending time with your family or taking care of other priorities. Professional cleaning services are available to take on the cleaning tasks for you.

When you need expert cleaning in your home, consider handy home cleaning service. At Handy, customer satisfaction is our top priority, and our professional cleaners will work hard to provide top quality cleaning services, allowing you to focus on other things. You can hire Handy professionals once a week, bi-weekly, or once a month. You can even hire them for a one-time cleaning need, it’s up to you. When they visit, they guarantee a completely clean and tidy home environment. Just the way you like it.

At Handy, they understand customers may be reluctant to have strangers in their home. So, to ensure your peace of mind, Handy has take appropriate steps to build a reputable, trustworthy team of expert cleaners. Their professionals are well trained and thoroughly screened. To make the entire process simpler for customers, Handy’s workers arrive with all the tools, equipment and products they need to get the job done.

At Handy, their professional cleaners work hard at their home cleaning services so customers can confidently relax and spend their time on their priorities. If you are looking for a reputable home cleaning service, Handy is your clear choice. All you need to do, is schedule a cleaning service with them and you will have an appealing and completely clean home.

Handy is fully bonded and insured, which means you can have peace of mind when you choose them to provide cleaning service in your home. Helping customers feel confident is important, which is why Handy is committed to taking the necessary steps to ensure you feel good about choosing their cleaning service. All their workers go through rigorous training and background check, to ensure only the most reliable and trustworthy individuals go to customers’ homes.

They use a proven residential cleaning system, designed to suit their clients’ needs. Handy has been providing cleaning services for many years, and the company has numerous customers all over the country. Their detailed cleaning system is thorough and proven, so you can have confidence in hiring Handy to handle your home cleaning needs.

Let Handy do the home cleaning for you so you can have more time to take care of other things. Their cleaning services are outstanding and consistent. If you want them to skip a certain are of your home, just let them know. If you want them to provide a special service, they will do it. Even if you just need a helping hand after a party, they’ve got you covered as well. They will even change your cleaning routine if you want. Just contact their office, and let them know what you need and they will take care of it.

Highland Capital Management’s President And CEO James Dondero

James Dondero is Highland Capital Management‘s president and co-founder. Dondero graduated from the University of Virginia with a degree in accounting and finance. A Certified Management Accountant and Chartered Financial Analyst, he currently oversees retail and industrial products operations and investment strategies for the company. Among the pioneers of Collateralized Loan Obligation and with over 30 years experience in credit markets, Dondero has the perfect skillset to help Highland Capital Management to succeed. (CFA) designation

Prior to founding Highland Capital Management Dondero Protective Life’s GIC subsidiary’s Chief Investment Officer. Within 5 years he helped to build the business from a start-up to the point where they has $2 billion in assets. Before going to Protective Life, Dondero worked at American Express where he managed fixed income funds in excess of $1 billion. Dondero has managed funds that have received the Lipper Award for Floating Rate Opportunities, and Morning Star’s 5-star designation for Global Allocation and #1 ranked Healthcare Long/Short Equity Fund among his many accolades.

James Dondero’s knowledge and expertise is highly valued by people in many other industries. He is chairman of the Board CCS Medical Corporation, Cornerstone Healthcare, and NexBank. He’s also on the board of American Banknote and MGM Studios.
He also lends his support to a number of other organizations to help them to be able to expand their capabilities and grow their organizations. Many smaller companies and non-profit organizations seek him out for advice and direction as they begin to put their foundation in place with hopes of growing their client base and increasing the services they offer.

Since the founding of Highland Capital Management in 1993, the company has drawn on Dondero’s experience with high-yield and distressed investing. Dondero and Highland Capital have also done pioneering work and been an industry leader in the use and expansion of the market for Collateralized Loan Obligation. Dondero’s training and experience has also helped them to provide their worldwide retail and institutional investors with innovate credit solutions to some of the issues they face. Some of the products Highland Capital offers include hedge funds, CLOs, institutional separate accounts, mutual funds, REITs, ETFs, and private equity funds.

But James Dondero is more than just a successful businessman. He has long been active in a number of philanthropic organizations. Dondero shares his time, money, experience, and expertise with non-profit and philanthropic organizations involved in a wide range of initiatives designed to provide support for the poor, the old, the infirmed, and at-risk youth. Some of those organizations are focused on areas like public policy, veterans’ affairs, and education. Through the work of James Dondero many of those organizations have been able to secure funds and other resources they need to fulfill their mission.

James Dondero doesn’t simply use his talent to enrich those that already have much. The Dallas, Texas resident is also deeply committed to helping the have-nots. It’s this commitment to helping others that help to define who he is and what he believes is important.

Status Labs: A growing leading company

On October 6, 2015, PRWeek has released their year’s Innovation 50. This list includes the top fifty people of 2015’s top growing stars of the PR and digital communication world. Darius Fisher, who is the creator of the company Status Labs, had made this list.

Fisher feels honor that he has made this list that have so many other great publications in the business. Even though he feel flattered, he was quite shocked that people compare his brand as “The Olivier Pope and Associates of the Internet.”

PRWeek gives Fisher praises for his work.The publication appreciates his company as well as Fisher being able to rise after his business went through a small crisis. His company Status Lab specializes in cleaning up their clients search engine results. The company consists of more than 1500 clients that are located in 35 countries

Fisher can understand what his clients are going through because he has been through a crisis his self. He believes this is why his company is so successful because he know how it feels to have negative things said about you on the internet. Fisher and his company have been receiving distinguished mentions this year from prominent sources such as the New York Times and Yahoo. He has been receiving so much great press because Fisher and his company have been in the fourth front helping the victims of the Ashley Madison hack. Fisher believes that 2015 will be his business best year. He thanks his success to his team; he feels the company will not be where it is today without the help of his team.

Fisher appears to be a good man with his head, on his shoulders. He had first embarked on his career when he receive his degree from Vanderbilt University. Before he created his company, he used to work as political consultant. He also used to have a career in copywriter. As the president of Status Labs, he envisions his company with a particular goal in mind.He wanted to build a business that is able to built partnerships with agencies. Fisher is the type of businessman that believes that most people deserves second chances. He feels that people should not have to live with a mistake that they made years ago. He knows what it is like to have his reputation on the line so he believe that others should not have to go through the same experience.

BMG: A Leader In Brazilian Banking

Banco BMG is a bank that has a long history in Brazil since 1930. This bank is ran by the Guimaraes family and Ricardo Guimarães is the current president. Under Guimarães’s leadership BMG went from offering mostly wholesale and consumer financing to now focusing heavily on payroll loans. In a payroll loan, employers obtain financing from banks such as Banco BMG and the employers repay the loans by deducting money from employees’ checks. In the early years Banco BMG started out as a bank for retailers and by the 1970s, the bank financed vehicles. By the 1990s, Banco BMG starts to offer nearly exclusively payroll loans while focusing less on consumer financing and vehicles.

Banco BMG’s Partnership With Unibanco

Recently Banco BMG formed a partnership with Itau Unibanco at a value of $1 billion dollars to boost BMG’s ability to offer more payroll loans to customers. The majority of the partnership will be mostly operated by Itau Unibanco and Unibanco will hire most of the managers to head the venture. One benefit of the partnership ia that Unibanco will provide funds to Banco BMG for the purpose of giving out payroll loans.

BMG’s Sports Partnerships

Banco BMG also sponsors a few sports teams and the majority of those teams are in the sport of soccer. Soccer is a huge deal in Brazil and it is only natural that banks such as BMG would be interested in increasing revenue by sponsoring these teams. Sponsorship of teams is a strategic way for banks to make money and it diversifies the kinds of services that a bank would offer.

Some Notes on Ricardo Guimaraes

Ricardo Guimaraes is the president of Banco BMG and he is influential in the direction of the company. He is related to the powerful Guuimaraes family who started Banco BMG in 1930. He was instrumental in getting the bank involved in sports team sponsorship.

BMG Card

Those who bank with Banco BMG have the option of using the BMG card. This card offers decent interest rates and you can use it to shop or pay bills online. Since the BMG card is affiliated with Mastercard, this card will be accepted at any outlet that accepts Mastercard. This card also comes with card protection against identity theft.

In conclusion, Banco BMG is an innovative bank that is one of the most successful in Brazil. Banco BMG made a smart move by cashing in on the payroll loan trend in Latin America and focusing mainly on this kind of lending. Thanks to the leadership of Ricardo Guimaraes, Banco BMG is involved in other ventures including sports team sponsorships. Banco BMG is a bank that understands finance trends and seeks to capitalize on them for revenue.