How To Earn A Tax-Free Income From Forex Trading AND Claim All Your Expenses From The UK Tax Authorities

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WARNING: This article might be boring!

This article is aimed at UK Foreign Exchange traders who want to 1) know how to minimize their tax liabilities from forex trading, and/or 2) to know how to claim back from the UK tax authorities all the expenses incurred in their trading activities – legally.

Before I go on, I must stress that this is general UK tax information and must not be construed as professional tax advice. You should consult your personal accountant or tax consultant who can advise you personally having taking into account all your own particular circumstances. This information is given in good faith and is relevant under existing UK tax legislation.

As many UK traders know, UK income tax is normally payable on trading profits made from the foreign exchange market after relevant deduction of trading losses and expenses and any applicable personal allowances. Expenses allowable must be wholly and exclusively incurred as part of your trading activities and will include things like allowances for your trading screens and computers, IT maintenance, legal costs, telephone and broadband connection costs, FT, The Economist and other relevant subscriptions and periodicals, etc.

However, currently under UK tax law any trading gains made from the foreign exchange markets through UK spread-betting activities are tax-free. What is more, this income does not even have to be declared to the tax authorities, just like your winnings from betting on the horses at your local Bookmaker. The unfortunate thing about spread-betting is that forex trading losses (and it’s a fact that the vast majority of spread-betters are losers!) are not deductible from tax. The double-whammy of spread-betting is that expenses incurred as a result of spread-bet trading activities are not usually deductible either.

So how does one take advantage of these current rules?

The simple answer is to trade using both direct forex trading and spread-bet trading! The cheeky but legal solution is to ensure that all personal tax allowances and associated expenses of forex trading are covered by net profits made using direct forex market trading activities so that the net tax liability is very low, or even zero. Your accountant will probably advise that not 100% of expenses would be allowable since not all expenses have been incurred as part of direct forex trading activities, so bear this in mind. Hopefully most of your mega forex gains made with the Lindencourt FX System will be made through your spread-betting account and will therefore be completely tax-free.

So you can have your cake and eat it!

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Source by Andrew Lindencourt

How To Borrow Money Against A Shared Inheritance

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An heir may have to wait months and even years in order to get their inheritance distributions. This is because of the length of the legal process involved. So, an heir is allowed, by means of cash advances or loans, to receive funds in a matter of days. It has no effect on the other heirs of the estate. A portion of the estate is assigned by the cash advance company, in exchange for the loan. Here is how you can get an advance on your inheritance.

• You need to first determine whether you have the eligibility for an inheritance cash advance or not. Advances are only typically received by the heirs from probate assets. Probate assets are bank accounts, insurance policies, real estate, company interests and other assets that were only owned by the decedent. Non-probate assets include trust, retirement accounts or any accounts that are jointly held with another person.

• You need to first determine what amount of money you want to lend from your shared inheritance. The usual range of inheritance loans and advances are from $5000 to $250000. Select an amount of loan that is less than the inheritance you expect. The amount of the loan is capped by some lenders at a certain percentage of your total expected inheritance.

• Contact a company that has a specialization in inheritance advances. Money can only be borrowed by the inheritors from their inheritance after the beginning of the probate process by the inheritors. Do not forget to ask the inheritance company that for an inheritance advances what fees will they charge. The fees vary depending on companies. Fees usually depend on the amount of the advance, the complexity of the estate and the amount of time until the estate closes.

• A cash advance has to be arranged by you from the lender. Funds can generally be distributed by the companies from advances and loans within a few days of business of the transaction. If sufficient funds are not present to pay the loan, ask the company about its consequences. The heir usually does not have personal liability for insufficient estate funds because the heir is assigned an interest to the company.

• Return the money back to the inheritance cash advance company as early as possible. When the estate closes, executor automatically pays the money to the inheritance cash advance companies as part of the transaction. However, discounts and rebates are offered by some companies for heirs that pay back the loan early.

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Source by Rajesh B Sanghvi

Traffic Fines in South Africa a Joke?

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In South Africa outstanding traffic fines have become a major issue, the police are arresting people in random roadblocks all over the country. The Cops work to make a killing off of motorists and South African drivers by fining citizens as a simple way to create a much needed but dirty flow of cash from the citizens.

Many motorists feel these fines are invalid and should have never been alleged in the 1st place It doesn’t matter your guilt or innocence, the police are required to follow strict policies and guidelines when it comes to fining for traffic violations

Recently in the news media and in the news papers, the abuse of power has been highlighted. Mnet’s Carte‘ Blanche and SABC3 Special Assignment have done cover storeis uncovering the entire racket we are now witnessing. Are your traffic fines valid or, are they just an easy way for the police to buck the system and stick their hands in your pockets?

This is clearly an issue of money.

What makes a Fine Valid?

The police know how easy it is to win in court. Citizens rarely raise a fuss. So, they are quick to make mistakes.. Its an issue of Rands, not enforcing the traffic laws.

The Metro Police typically avoid this argument.

Here are things that MUST be considered when validating a Traffic Fine:

– Checking that the fines don’t have irregularities before sending them.
– Using faulty or un-calibrated speed measuring equipment.
– Tampering with photographic evidence to make you look guilty.
– Not keeping or logging information required for prosecution when issuing fines.

Before paying any outstanding traffic violations, these are just some of the hundreds of issues you must consider.

Don’t pay for fines you don’t deserve. Did you know that irregularities like those listed above would likely cause your case to be thrown out of court? Don’t make the police’s job easy.

It is reported that around 80% -90% of traffic fines issued in South Africa when speed measuring devices are used have some form of irregularities found on them. This is shocking and disturbing and should not be overlooked.

Note that none of the above irregularities listed stop the Metro Police from sending you a notice of infringement AARTO traffic fine.

Unfortunately, the issues we are talking about here are rarely overseen or closely regulated. Once you’ve admitted to a fine, you would not be able to claim a refund if the courts ruled that your traffic fines issued were invalid.

{Is there any real justice?|Where is the justice in that?|When will we see justice? I hope you will take a stand and become informed. Join forums and subscribe to newsletters that educate about our rights.

Learn all you would ever need to know about getting your traffic fines dropped. It is entirely ethical and legal.

Don’t pay for invalid fines. Learn your rights! Be aware of the law.

Visit my website http://www.trafficfinesecrets.co.za for more South African Traffic Fine Secrets.

Tell us your view?

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Handling and Storing Your Bullion Coin

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Bullion coins are some of the most beautiful objects to collect. Since all bullion coins are minted from precious metals that are easily susceptible to tarnish or markings from mishandling or exposure to the environment, proper storing and handling of bullion coins are important to preserve their beauty and collectible (some say resale) value. We can even went as far as to surmise that collecting bullion coins requires skills, knowledge and investment far more advanced than normal coin collecting as proper know how in acquisition, storage method and handling  is essential to preserve the value of your coin portfolio. Because bullion coins are generally high priced, a single tarnish, scratch mark or even thumb print could devalue the coin very substantially, in the case of Proofs or Brilliant Uncirculated(BU) coins, to less than half of its original value.

The first and foremost rule in handling bullion coins is to handle them as less often as possible, better yet, never at all. Gold bullion coins can easily show dent marks or scratch even from the slightest „accidents“ as gold are very soft and malleable metal, this is more prevalent with coins that have exceptionally high purity like the Canadian Gold Maple Leaf (.9999 fineness). Silver on the other hand is notorious for being easily tarnished when exposed to even minute amounts of moisture in air or even human skin. Therefore if you must handle your coin, there is a few guidelines that should be taken into consideration:

1. Hold your coin by its edges, never touch the surface of the coin with your bare fingers as the acidity of human skin would result in color change or wear marks that would tarnish the surface of the coin. Preferably, wear a soft cotton glove when handling bullion coins.

2. Be very careful not to drop, bump or rub your coin against hard surfaces as this might easily result in dents or scratch marks, place foam or soft pads on the table when you are examining the coin to prevent the coin from scratches, ensure that the environment that the coin comes into contact with is dry, clean and free of contaminants.

3. Never breath onto the coin surface, the moisture from human breaths can cause discoloration which would be hard to remove if ever possible at all.

There are many solution offered in the market in storing and displaying your coin collection, in fact nowadays many fresh-out-of-the-mint bullion coins comes in plastic containers that does an excellent job in protecting your investment.

1. For display and short term storage purposes for lower value coins,  coin albums and flips provide adequate protection and effective display for large selection of coin, however since albums and flips are not fully air tight, the coins might suffer discoloration from air moisture and contaminant after long periods of time. Therefore this method cannot be applied for the more valuable coins of your collection. One should also take note that the coin albums and flips should not be made of PVC as PVC decompose when reacting the heat and light , the resulting chemical reaction releases hydrochloric acid which will slowly render your coins worthless!!!

2. The most common and economical solution is to use 2×2 cardboard containers lined with Mylar plastics, the coin can be placed on the Mylar and the container can be fold over to enclose the coin and snapped shut. This provide a high level of protection at an affordable price for the majority of your coin collection.

3. For the most valuable coins in your collection, a coin slab provides maximum protection against the elements albeit at a steeper investment, they are made from hermetically sealed hard plastic holders in which individual coins are encased.

Practicing proper care in handling and storing bullion coins is very similar to learning how to protect your financial investment, which in the long run can insure you against disappointment and protection from serious financial losses due to deterioration of your coin collection, therefore making your coin collecting experience much more rewarding.

Visit our website and online store at http://www.buybullions.co.uk for more information.

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Future Of Human Economics Considered

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It goes without saying that a think tank needs a constant flow of new ideas and innovations to be of value to our society and civilization. So, of course, we ask our fellow members to be generous with their ideas. From time to time we also get outsiders from around the work sending in their best mental brain storms. Not long ago, we had someone explain their plan to ditch the money rat race in society, actually to ditch money all together and increase our productivity by some 30%, here is what he had to say:

„I have an idea that could improve the overall efficiency of the world by perhaps 30%. I need help in the part of how to turn capitalism into a non-money using, non-communism structured government. Also how to persuade the government to move to it and think it was their idea in the first place.“

Well, my first thought was; if we can improve efficiency in human civilization by 30%, I am ALL-IN. Indeed, I am a capitalist and love free markets and yet, I must admit I agree that the unit of trade, we currently call a USD (reserve currency) has challenges in rewarding many of the things we need to propel humans into the future. If we could find a way to use (digital units) and give out digital units for things like volunteerism, picking up trash on a daily walk, innovation, mentoring, original thoughts, and other contributions to society we could have „real value“ supporting the intrinsic value of the digital units.

Of course, we might be able to use digital currency, a Bitcoin or BlockChain type scheme, the same way as Free-Market Capitalism with a new form of „unit“ to trade. This might help us curb the cronyism of socialist elite, Communist regimes and corporate/government incestuous relationships that Adam Smith warned us about. The units of trade could retain value based on „real work“ – positive work towards noble endeavors, while the units traded for commerce remain the same. The „goodness“ pay would be based on supply and demand, more pay for what is needed, less pay for what is already in abundant supply. The AI decision matrix determines this, not humans?

And really it is the next logical step as AI replaces decision making (executives, analysts, and management) and robotics replaces most labor jobs, and AI + robotics replaces most creative jobs (artists, writers, etc.) and AI + VR replaces teaching jobs.

In many ways we would avoid capitalism, at least the way it’s practiced in reality (crony capitalism), but we also need to make sure that no one games the system – including those controlling it – unfortunately, there is also that problem of human nature. Also the group, government, leadership of the system would have a little too much power and therein reminds us of the quote; absolute power corrupts absolutely, and/or the reality that power brings out and amplifies any character flaws, even those of a benevolent philosopher king.

In many regards Capitalism is becoming less usury driven, due to interest rates being so low and in some places negative rates.

So, here is the $64 Million question – is it possible to change our current monetary system and could we really do it any better – and is it worth the risk to try? Well, either way it is an interesting place to do a mental experiment isn’t it?

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The Importance of Learning Spanish Grammar

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It is important to learn proper Spanish grammar when you learn to speak and write the language. However, knowing grammar by itself will not make you a fluent speaker. Most courses in the language integrate the grammar with other aspects, such as the vocabulary and the proper pronunciation. One of the things you will realize about the grammar is that all nouns have a definite or indefinite article in front of them. In English you would simply say girl or boy. This is not so in Spanish. Girl is a chica?and boy is l chico? You cannot just say hica?or hico? All nouns are either masculine or feminine and there is no neuter gender as there is in English.

Just as there are rules for making nouns plural in English, there are also rules of grammar for this in Spanish. These are:

– If a noun ends in a vowel, add ?to make it plural. You must also make the definite or indefinite article plural as well. El becomes los and la becomes les.

– If a noun ends in a consonant, adds?to make the word plural.

– If a noun ends in on, you adds?but you drop the accent mark on the letter ?

– If a noun ends with the letter ? you change the ?to ?and adds?

There are only three categories of verbs in Spanish ?those ending in and To conjugate a verb from its infinitive form, you still use the same pronouns as you do in English. There are rules for conjugating each category of verb according to the subject pronoun, which are important for you to learn. While all verbs end in ?when you want to use the pronoun ? they differ when you use the singular form of ou? which is sted?in Spanish. In order to conjugate the verbs with this pronoun, the rule is to add ?when you are using an ?verb and to use ?when you use an or verb.

Adjectives follow the noun they describe, rather than the English placement of in front of the noun. The form of the adjectives also changes depending on whether the word being described is masculine or feminine and whether it is singular or plural. Most adjectives end with the letter ?and have four forms ?masculine singular, masculine plural, feminine singular and feminine plural. There are adjectives that do end in ?and to make them plural you add the letter ? If the adjective ends with a consonant, you adds?to form the plural.

These are just the basics of what is involved in learning grammar when you learn Spanish. Because of the gender it is important to know how to speak and write the language properly so that you won inadvertently insult the person to whom you are speaking or writing. When you are taking a course, your instructor will gladly assist you in knowing when and where to use the words properly.

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The Basics of Money

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What is Money?

The answer to the question is simple. Money is anything widely used for paying debts owed by a person to someone else and also for receiving the payments of debts owing to a person from someone else. A country produces coins and banknotes, (accepted by everyone) for the payment of bills and for the receipt of money owing.

Money is what is known as a „medium of exchange“.

In the „old days“ people traded the goods and services they owned (and probably produced) for goods and services owned by others (probably produced by them). The scenario went something like this – „you give me two sacks of your potatoes and I will trade you ten of my fish“.

This method of trading was fine for a while. As society developed, business became more cumbersome and inefficient with this method of trade. Business dealings became stilted and slow and lagged behind the new pace of commerce. There had to be a better way. Some bright spark then came up with the idea of a common „medium of exchange“ easier to carry around and better to use.

Money was born.

It wasn’t that simple, because while all sorts of things were used as a medium of exchange, these were all basically called „money“ and it wasn’t until coins and paper notes were developed that money as we know it today became the standard accepted as a medium of exchange.

Forms of Money

There are various forms of money – cheques, IOU’s, credit cards, bank drafts or gold. Gold was the standard used in the past because of its scarcity and its qualities. Gold is resistant to corrosion or damage. These unique properties, as well as the scarcity of gold means that even today, wealthy people around the world would rather keep their wealth in gold holdings than in the currencies of countries which are subject to inflation.

In fact, all sorts of things have been used as money throughout the ages. Some include: beads, eggs, salt, pigs, leather, yarn, axes, ivory and jade. Today we have another form of money, which cannot be touched, and yet it as real as the tangible coins we are able to touch. This form of money is electronic money.

The Name „Money“

The word money comes from the Roman goddess – Moneta. Apparently coins were minted in her temples and issued to the world, as the Romans knew it at the time. The Latin word „Moneta“, (meaning mint or coins) came from the old English word „mynet“ (meaning coins or money) and from this came the English word „mint“.

Origins of Money

To understand the origins of money we have to go back to a time well before money came on the scene. Money did not suddenly appear – it was introduced gradually in response to the requirements of human needs. As civilization grew and expanded beyond local societies, the need to exchange the products provided by various groups became evident. The hunter needed to exchange with the farmer, the shepherd needed to exchange with the medicine man etc.

The medium of exchange that was necessary to enable the various groups to barter and swap their products was money. It was originally a physical substance like gold or silver. Sometimes it was a substance that was alive such as cattle, which was one of the oldest forms of money.

Today, although much of the money used by individuals in their everyday life is still in the form of notes and coins, its quantity is relatively small compared to the intangible types of money existing as entries in bank records.

Today money exists in the form of digital cash and such things as coins and bank notes will soon become obsolete. When this happens, the change in the nature of money will have a significant effect on our society.

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Nexus S first impressions

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DesignThe Nexus S’s candy-bar design is fairly standard–it resembles many of its Galaxy S siblings–but it shows a few unique elements and it’s worlds apart from the Nexus One. It’s larger and lighter than its ancestor, and it sports an all-black plastic skin with a very faint design on the rear face. We admit, we’re a bit divided LCD Monitor on the appearance. It’s shiny and pretty, but the Nexus S feels too fragile in the hand. Remember that the Nexus One had some metal parts, which gave it a sturdy feel. We’re not saying the Nexus S feels cheap, but we’d be wary of dropping it on a hard surface. Also, the plastic surface and the display attract fingerprints like crazy.Below the display sit the four Android touch controls (menu, search, back, and home).

Unlike with the Nexus One, you don’t get a navigation trackball; we missed that trackball just a bit. Fortunately, the camera on the rear side is almost flush with the back of the phone–other Android handsets have a protruding lens–and it sits next to the bright flash. The second camera lens is on the front side just above the bright display. Other exterior features consist of a thin volume rocker on the left spine and a power control on the right spine. The 3.5mm headset jack and Micro-USB port sit on the phone’s bottom end. Though it’s not a huge deal, we’d prefer those ports to be up top.Samsung is highlighting the Nexus S‘ „contour“ design in its promotional materials. To you that means that the front of the device, display included, is slightly concave. The idea is to make it more comfortable to hold the phone against the side of your head. We’re not so impressed, though.

The curve is so slight that we didn’t notice any difference. We may feel differently after days of use, but the curve seems like a gimmick so far.InterfaceLike its predecessor, the Nexus S offers a straight Google experience uncluttered LCD Monitors by a manufacturer’s custom interface or a set of carrier-installed apps. Make no mistake that this is a phone for users who want the Android OS served up straight and simple. Indeed, we’ve always been fans of „letting Android be Android,“ so we’re not going to fault Sammy and Google for going this route. Even with Gingerbread, seasoned Android users will find few new elements. The Super AMOLED display is a little sharper than on the Nexus One, though not too dissimilar from the Galaxy S series. A few of the onscreen icons look different, but the main menu has the „crawl“ design where icons disappear into the background.

Five home screens are available for customization.GingerbreadWe’re still exploring the full details of the new OS, though we did try the new copy and paste. When using a long press to select words in paragraph, you’re now given an option to select just the word you’re touching rather than the whole block of text. Then, you’ll see new arrows for grabbing just the words you want. It may sound like a small change, but it makes a huge improvement in usability. The virtual keyboard also has some small-but-welcome tweaks.FeaturesWe’ll need time to check out the phone’s features, but we can offer a list of the Nexus S‘ offerings as a refresher. When taken as a whole, you’ll see many of the features available in the Nexus One, though the Nexus S adds a near field communications (NFC) chip, the aforementioned Touch Screen second camera, a gyroscope for gaming, and a 1Ghz Hummingbird processor (the Nexus One had a 1Ghz Snapdragon processor). That’s not a bad lot, but we were hoping for more from such a showcase device. And we’re not happy about the lack of a microSD card slot, HDMI output, and support for T-Mobile’s HSPA+ network.

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A Review of Grants for College Students

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Did you manage to not only survive, but finally graduate from high school? There is no doubt that once you graduate you feel happy and satisfied with your fine accomplishment. However, you have to take a big step forward and consider college. Maybe you have applied to some universities, but have you checked for available scholarships and grants? This is what you should evaluate and take into consideration when you are applying to a university. Of course, all you want at the moment is to get that absolute freedom and time on your own, but don’t forget that someone has to pay for that. Going to college is quite expensive and most people cannot afford to pay for it all. There is hope though, in the form of grants for college students. Even if your financial situation is not very good, there are more than a few solutions… just get your laptop.

Have you though about ways to find money for your or your child’s tuition? Robbing a bank or knocking over the local mall is not a good idea. Probably you haven’t thought about that before. Then you should start thinking and find a way to pay for college. You can get financial help without the burden of payback. Just try to find the best scholarships and grants for college students. You should not give up searching for free money even if you haven’t succeeded to get a scholarship after high school. Full time student employment is always an option but you should better check all the other possibilities first.

What I did before I headed off to a university was to carefully examine all the students‘ loans and grants for college students. I got online and checked the FAFSFA.com. This site offers free applications which you can fill out in order to ask for financial aid. I found many different loans and grants available. I suppose you are aware of the fact that grants are money you should not pay back. This is such a fantastic solution to your financial difficulties.

Usually each state has some money for grants for potential college students, apart from that federal grants are also available. All you have to do is to fill out some applications and acquire financial aid. You shouldn’t neglect free money. This is the easiest way to make the university payments. Getting online is the first step to finding financial aid such as grants for college students. Search for all the free money you can get from the state or the university you are admitted to. This is the best you can do unless you want to spend all your free time having a full time job while you are in college.

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Steam Room Benefits

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The benefits of the steam room have been known for thousands of years and throughout history countless people have been using steam to enhance their sense of well being and improve their overall health. At the end of the 20th century and the beginning of the 21st a huge influx in health conscious individuals in western society has fuelled a vast growth in the health industry.

In the past, steam rooms have been restricted to health clubs and gyms, and many think steam rooms are only used at home by the wealthy; however top steam room specialists have made this wonderful past time available to everybody, not just the rich. With cutting edge technology at affordable prices, countless people are now enjoying all the wonderful benefits of a steam room.

Brief Overview of Steam Room Benefits

In a steam room, wet heat opens the pores of your skin to aid body detoxification. A steam generator is used to create water vapour at high levels of humidity. The heat and humidity may bring health benefits ranging from aiding stress relief, to body cleansing, to soothing aching muscles or arthritis. This article will highlight the main benefits and the importance of using a steam room:

1st Steam Room Benefit: Eliminate toxins

The average body has approximately 2.6 million sweat glands. The body only has four ways to excrete toxins; urine, feces, respiration and perspiration. During a steam room session the body can sweat out up to 30% of its toxins that have built up. Studies have shown that environmental chemicals and poor diet cause 95% of cancers, which in today’s society makes a steam room a very healthy and practical addition to the home.

2nd Steam Room Benefit: Rejuvenate and Hydrate the Skin

Heat from the steam causes the heart to beat faster and harder in an attempt to cool the body, causing blood to flood even the smallest capillaries. Increased blood flow to these tiny capillaries (just under the skins surface) causes the skin to glow and look healthy because the blood cells carry minerals, vitamins and oxygen: vital for a healthy body. In addition, this increases the rate of body metabolism.

3rd Steam Room Benefit: Boost the immune system: Hyperthermia

Hyperthermia refers to an elevation of core body temperature to above 37.2°C for therapeutic purposes. During a steam room session the body temperature rises and when the body temperature rises it is called a fever (elevation of body temperature above the normal level). A virus can only usually survive within a narrow temperature range. Therefore an increase in body temperature may either stunt the virus‘ multiplication or kill the virus. Fever triggers the body to release white blood cells, antibodies and a protein called interferon. The white blood cells, which are produced in the bone marrow, help to defend the body against infectious diseases and foreign materials. Antibodies are proteins which help protect against disease-causing micro-organisms whilst interferon is any group of proteins produced by cells in the body in response to an attack by a virus.

4th Steam Room Benefit: Enhance the Respiratory System

Steam inhalation supports mucosal secretions in the respiratory system and helps to open up the airways therefore reducing respiration resistance. This helps to relieve the discomfort of asthma and allergies. Steam room benefits also include relieving inflammation and congestion of upper respiratory mucous membranes. It also helps to loosen secretions, stimulate the discharge of mucous from the throat and lungs (natural expectorant) and keeps mucous membranes from excessive drying.

5th Steam Room Benefit: Relieve Stress and Relax Muscles

Heat from the steam causes the muscles to relax, widening the blood vessels, allowing more oxygen to flow to them, releasing their tension. The heat also gives relief to sufferers of arthritis. The heat from the steam causes the whole body to relax; this experience melts away stress and soothes the mind & body.

David Daniel is a successful writer in the subjects of home improvement and bathroom renovation providing the consumer information on Steam Shower rooms and Sauna units. To view more articles visit: Steam Room Benefits. He also writes articles for Di Vapor Steam Showers

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