Summarize the following:
The skipping side kick is used to bring you in range of your target so that you can make contact with the side kick. This kick is also called the hop step side kick. You should master the normal side kick before attempting the skipping side kick. You will usually begin from this position so it is best to practice from here. A common position is to stand with your left foot in front and right in back facing mostly sideways. Your right hand would be by your chin with your left 12-16 inches (30-40 cm) in front of your left shoulder. This gives you an advantage when you move forward into your kick later. Keep your knees bent so that you can move easily from this position. This is the “hop” or “skip” or the skipping side kick. Move forwards toward your target as you jump. You should be jumping off both feet at the same time. You will not be jumping in a huge leap forward. You will just be jumping to bring your body and leg to the right distance from your target for your side kick. The higher you can bring your knee to your chest, the higher you will be able to kick your target. You can make contact with either the sole or the heel of your foot.  If you are sparring, then it is better to strike with the sole of your foot. If you are trying to break something such as a brick or board you should use the heel of your foot. This way you drive all the strength and force of your kick through your heel, which is the strongest part of your foot. You will rotate your non-kicking foot until it is facing backwards to gain more power in your kick. As you straighten out the last bit of your knee, rotate your foot to bring the strength of your hip into the kick. This should be the same as the normal side kick. Bend your knee and then bring your foot down to the ground. You will land with your foot in front of you rather than bringing it back. It is equally important to practice this kick with the other foot as well. Keep practicing often with both legs to develop muscle memory for the kick. This will make it easier and quicker in sparring sessions.

summary: Use the skipping side kick to bring you closer to your target for the side kick. Start from your normal fighting position. Turn your feet and body completely sideways. Jump up and forward at the same time. Bring your front knee to your chest as you are jumping. Extend your kick straight out and make contact. Rotate your non-kicking foot all the way around as you straighten your kicking knee. Land with your foot in front of you. Practice both sides.


Summarize the following:
All business owners in the US must adhere to certain anti-discriminatory policies set forth by the government. Make sure you include information on these policies along with how you expect employees to adhere to them as well. Equal opportunity employment information should be included within the policies, as well as the Americans with Disabilities Act, and policies against harassment. You can find information in this through the US Small Business Administration. Through the US Small Business Administration, and the Bureau of Economic and Business Affairs, make sure any and all policies you have set forth are legal and fair. The US Department of State offers great online resources for all business owners to find the information they need. You might consider having a business attorney look over your policies before mandating them to your employees. As a business owner, having a lawyer you can consult with on a regular basis is a good tool. New hires should be required to agree to and sign the policies and procedures document, as well as be given a copy of them for reference. In addition, any changes made should be re-signed by all employees. This will assure they are held to these policies should any legal action be taken by either party in the future. Minors cannot legally agree to contracts. Make sure if you are hiring anyone under the age of 18, they have written permission from a guardian to enter into the contract, as their parent or guardian could legally cancel the contract.

summary: Include a section on anti-discrimination policies. Make sure your policies are legal. Have employees sign any new drafts of your policies and procedures.


Summarize the following:
Go with a bank with whom you already have a relationship.  If you have a checking or savings account or other credit accounts with this institution, they already know you and understand your credit history, spending habits, and income sources.  Your excellent credit and your previous relationship with the bank may qualify you for a low-interest rate. Don’t hesitate to shop around with other banks in order to find the best interest rate.  Call the bank and ask a loan representative what credit scores the bank requires to get the best rates. Online lenders tend to cater to low-credit borrowers.  Also, since their operating costs are lower than a brick and mortar financial institution, they may offer you better interest rates.  Online lending marketplaces are also called peer to peer lenders (P2PL).  Examples are Lending Club and Prosper. The interest rate they offer will still be based on your credit score.  Again, the higher your credit score, the lower your interest rate will be. If you have lower credit, don’t be tempted by lenders who guarantee you a loan despite your credit score.  Only consider reputable, state-licensed financial institutions with no history of lawsuits.  Also, view their ratings with the Better Business Bureau.  Avoid payday loans at all costs.  They are designed to keep you in an unending cycle of debt. Don’t fall for advanced fee loan scams.  These are lenders that ask you for an insurance fee up front before sending your loan money. This is known as rate shopping.  It means applying for a number of loans in order to find the best rate.  If you apply for several similar loans at the same time, the credit industry recognizes that you are rate shopping and batches all of the loan applications together. This means that your credit score won’t suffer from applying for too many loans.
summary: Apply for a loan from a major bank or credit union if you have great credit. Apply with an online lender if you have a lower credit score. Protect yourself from disreputable lenders. Shop around for the best interest rates.