This article is about a man named Jim Cramer who tells people what stocks they should buy or sell. He likes some companies and doesn't like others. The companies he likes are General Motors, which makes cars, and Heartland Financial, which is a bank. The companies he doesn't like are NextEra Energy and some other ones that are not mentioned in the article. Read from source...

- The title of the article is misleading and sensationalized, as it implies that Jim Cramer endorses both General Motors and Heartland Financial USA, but he only says he likes GM "very much" and thinks HFUSA is a "good" regional bank.
- The article uses vague terms like "very good" and "in good hands" without providing any quantitative or comparative analysis to support these claims.
- The article does not mention the potential conflicts of interest that may arise from Goldman Sachs' decision to shift its General Motors credit-card program to Barclays, which could affect the future performance of both GS and BCS.
- The article reports on unrelated events, such as NextEra Energy posting better-than-expected quarterly earnings, without explaining how this affects the main topic of the article, which is Jim Cramer's recommendations.
- The article does not provide any evidence or reasoning for why Cramer would prefer UMB over Heartland Financial USA, as it only states that they have an agreement to acquire HFUSA.

Based on the article, here are my comprehensive investment recommendations and risks for each of the mentioned stocks:

1. General Motors (GM): BUY - The article states that Jim Cramer likes GM very much and recommended buying it. He also mentions Goldman Sachs' withdrawal from consumer lending, which could be a positive factor for GM as they may benefit from the shift of credit-card program to Barclays.
2. Heartland Financial USA (HTLF): BUY - Jim Cramer calls HTLF a "very good" regional bank and says that investors are in good hands with it. Additionally, UMB announced an agreement to acquire HTLF, which could lead to a potential increase in value for the stock as the deal progresses.
3. NextEra Energy (NEE): SELL - The article states that Jim Cramer does not recommend NEE because it is losing too much money. This indicates a negative outlook for the company and its financial performance, which could lead to further losses and a decline in stock price.