Folk Randy

Here are some more information for Folk Randy:

Weapons in martial arts can be misleading as a term, on the one hand it refers to an actual weapon one possess and then again maybe not.. In martial arts a weapon is usually a hand held weapon either with an edge if metal or blunt if wood. There are a large variety of hand held martial art weapons some being: sai, tonfa, kama, nunchaku, bo and sword to name a few.

Each Asian country had its own version of what defense weapon it relied on based often on the ruling political power which would frequently deprive its citizens' of the weapons used by its military so the common folk would rely on whatever implements they had on hand and convert them to weapons. This is the main reason the countrys' of Japan, Oakinawa, Korea and even China used mostly farm tools converted to defense weapon for the majority of the common people's protection.

The other aspect of martial arts weapons is the simple use of the hands and feet. Although empty of any physical weapon other than itself these appendages are consider by most countries to be a lethal weapon at the professional or black belt level. The term Karate actually means empty hand which is how martial arts is first studied. Only later do the practiced use of external weapons come into play.

However hand held weapons require a special skill set to effectively use them. The blunt wood weapons require speed and force along with large arcing movements to generate the power necessary to render a foe neutralized. The sharper metal weapons use skill and adroitness to puncture or cut one's opponent. Both require a significant amount of training to successfully defend oneself. It is a matter of constant repetition so that the movements become part of the person's reflexive action with no time for thought to enter in. Only then can one say they are proficient in the particular weapons use. Remembering at the same time that practice will only take one so far and that the real test lies in the actual combat itself as only then can one find out under the immediate threat of great bodily injure or death how one's performance will be.

No matter the martial art weapon whatever the type helps ensure the user of a better chance of surviving a conflict particularly if there are more than one attacker as there is far less effort and exposure to disable and attacker if you have a weapon at your disposable and are proficient in its use then if one is not available. If both combatants have weapons then it is the one with the greater skill and calmer demeanor who will come out the winner in a contest of skills.

So the importance of continued practice in all situations against all manor of attackers is the key to surviving any conflict with martial art weapons. Staying calm and having the ability to diffuse a explosive situation is the best guarantee that no harm will come to yourself or others however as with the martial art weapons it takes continued practice to remain calm in volatile situations.

Randy Margeson has been involved in the martial arts field for over thirty years. His love for the arts has given him the motivation to stay actively involved in the martial arts community. He has had a martial art supply store for all that time and has always felt that the use of the karate weapons has to be dealt with in a responsible manor.

Answering A Foreclosure

In most states if you are over 90 days behind on your mortgage, your lender can start the foreclosure process.

If you receive any foreclosure documents from the court, you must respond within the time frame provided by the court. All states are different, but one thing is for sure. If you do not respond in a timely manner, you can be on the fast track out of your home.

Before I go too far, I must provide this disclaimer. I am not an attorney, and I am not giving any legal advice. The content of this article should not be construed as legal advice nor legal consultation.

Now that we got that out of the way, I still want to make you aware that any foreclosure documents from the lender's attorney and/or your local court should not be ignored.

If you receive any legal documents including "Lis Pendins", or "Summery Judgment for Foreclosure" etc, you need to either retain an attorney to answer the court or answer the court yourself. The following are your options.

First of all, you can retain a bar certified real estate attorney. He/she will know exactly what to do to answer the court and prevent / delay foreclosure. This can be expensive, so shop around. You will also want to remember that there are excellent legal counsel and poor legal counsel. Ask around for a referral from people in the community. If you get a bad attorney, you can be out a substantial amount of money and still lose your home.

A second option is to go to your local (county or city) legal aid office. They may or may not help you. Most legal aid offices are non-profit organizations subsidized by the local and state governments. They have criteria that you must meet. If you make too much money or not enough, they may not help you. These folks will only assist you in responding to the court. Their assistance will be very elementary compared to hiring a private attorney. They will get you started and slow down the foreclosure process, but in most cases, they will not be able to represent you in court.

Thirdly, you can attempt to put off foreclosure yourself. You can save a ton of money by delaying your own foreclosure. Depending on your state laws, this can be somewhat time consuming. If you decide to answer on your own, we recommend that you go to a reputable “online” legal web site, and use their attorney prepared documents. By responding in a timely manner, you can put off the foreclosure process by anywhere between 30 days to 6 months. This depends on your state laws and the court volume. With mortgage defaults on the rise and foreclosures increasing, most local courts are backed up with these cases.

A final solution is to initiate what I call a hybrid foreclosure prevention plan. In this scenario, a consumer answers the court on the initial foreclosure filing by using attorney prepared documents via an "online" legal response. This delays the foreclosure so they have time to obtain a loan modification. They also speak directly with their lender’s legal department to see if they will cancel or delay the foreclosure.

Then, if and when the foreclosure process proceeds to a hearing, they hire a reputable attorney to continue the foreclosure prevention / defense.

This saves customers tons of money. In fact, over 75% of homeowners that receive foreclosure documents never even have a hearing. They get their loan modification completed before they are required to show up at the court.

In closing, we have seen clients defend themselves in foreclosure proceedings, and we have also seen customers that hire qualified legal counsel. Any of the above options are good. You just need to look at your budget; examine your situation; and determine which course is best for you.

About the Author

About the author. Randy Thornhill is founder and owner of Thornhill Financial Group, Inc. TFG, Inc. has been in business since April of 2005. We specialize in conventional lending, loss mitigation, and commercial lending. We have an "A" rating with the BBB (Better Business Bureau). We now do "Principle Reduction Mortgages". Please visit us at www.easyloanmodificationguide.com or call us at 1-877-262-6315.

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