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  • Clement Dees

    Dyman review: Ex-judo star gets to grips with world of finance

    Sean Oldfield is revolutionizing the mortgage industry with innovative equity loans company, Castle Trust.

    Sean Oldfield is a glutton for punishment. In 2002, he gave up a lucrative career in banking to pursue a grueling judo career.

    He travelled around Europe on his motorbike, training in different judo clubs, with the aim of competing in the 2004 Athens Olympics.

    The Australian, who has been living in the UK for the past 12 years, represented his home country at the Canadian and US opens.

    After two years on the road, however, he realized he would never be a world champion.

    “I started training at 19, which is very late,” he explained. “Most guys start when they are three. I realized that if I made it to the Olympics, I would probably get knocked out in the first round and end up penniless.”

    Mr. Oldfield cut his losses and returned to Macquarie Bank, where he stayed for a further four years. But his desire to take on a new challenge then took him to Moscow, where a burgeoning financial services industry was taking hold.

    “I was interested in the mortgage market out there,” he said. “People were trying to buy their homes out of the communist regime. Previously, people had only been able to buy their homes if they had cash. The transfers were literally made with cash, too – big briefcases of the stuff.”

    Mr Oldfield set about starting a company but soon attracted heat from the local gangsters. “I ended up getting shot at,” he said. “In Moscow, you need to buy protection when you start a business. The Russian word for it is 'krysha’, which means roof.

    “If you don’t have the right protection, either you die or your business dies.”

    A local cartel offered its “roof” to Mr. Oldfield in the very early days of his start-up. He refused, saying that he didn’t believe they would do the job very well. “They shot at me to prove that they would have been just fine at their job,” said Mr. Oldfield.

    Rather than return to Macquarie, cap in hand, Mr. Oldfield decided to come back to the UK, take stock and work on an innovative new business model that he’d been turning around in his mind for years.

    “I have a personal interest in the mortgage system,” he said. “When I was 11 years old, interest rates in Australia went from single digits to 18pc. My mum was a high school math teacher and, as a single mum, really struggled to make her interest payments every month.”

    Mr Oldfield remembers sitting in his local bank manager’s office with his mother, pleading for more time to pay.

    In June 2008, he began fleshing out an idea for a two-pronged business, one side of which was an equity loans provider and the other an investment product linked to the national housing index. He called the business Castle Trust.

    The idea was to “recycle” money between the two businesses so that those who had money to invest could get a return based on house prices, while those who needed finance could unlock the value of their homes with minimal risk.

    Mr Oldfield explained: “Unlike traditional mortgages, with equity loans there are no monthly payments. We will lend up to 20pc of the value of the house. If the house doesn’t increase in value, you just pay us back the original principle. If it goes up in value, we take a 40pc share of the growth.”

    If the house depreciates in value, Castle Trust shares in the fall; on a house worth 10pc less, you pay back 10pc less.
  • Clement Dees

    mumbled "Dyman Judo Club Association & Dyman Karate Associates International: What is Judo?"

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    What is Judo?

    - A great opportunity to enjoy an activity that will improve all areas of your life.
    - Produces strong work ethic and values in kids by teaching respect, self-discipline and cooperation while building confidence.
    - A great family activity.
    - It burns more calories than watching TV
    - Teaches amazing skills and values

    Which is better Judo, karate etc?

    Everybody wants to compare them. They are all good and have advantages and disadvantages depending on use and rules. It is like comparing hockey to baseball-which is better?

    Is it a good thing for kids?

    Yes-the best. Come try it.

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  • Clement Dees

    Fred Dyke of Dyman Judo Club Association & Dyman Karate Associates International


    Fred Dyke - 5th Degree Blackbelt (Godan)

    Fred began Judo in 1968 while attending university. While he had not excelled in any sport, judo became a major part of his life as he progressed through the various junior ranks until he achieved the coveted level of Black Belt in just two and half years.

    While receiving instruction from top Canadian and Japanese instructors, he competed provincially and nationally for 15 years during which time he won over 40 titles including 10 provincial championships and 3 Eastern Canadian championships. He placed as high as second in National Competition.

    He has been an instructor of judo for almost his entire judo career, helping other clubs and running his own club.

    Fred’s judo success has been helpful in his successful business career. As a management consultant he helps companies and individuals by providing training in many areas of business across North America and other parts of the world.

    He has entertained audiences of 1500 or more using his judo demonstrations to teach valuable life lessons to high school students and company employees.

    Fred is a certified instructor and Fifth degree Black Belt (Go-dan) operating under Judo Ontario and Judo Canada.

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