Family Money: UK Property: The Tax Issues
Managing director of Westminster Portfolio Services (Thailand) Ltd.
I’m asked all the time about the tax implications of
owning UK property. It can be a minefield if not properly planned and
structured. The impact, not only of income tax, but inheritance tax,
capital gains tax, corporation tax and stamp duty have to be considered.
Inheritance Tax (IHT): Many people think their spouse
can inherit everything without paying UK inheritance tax. Not always. If
the deceased is deemed UK-domiciled for IHT purposes but the spouse is
not, the spouse’s exemption is limited to ฃ55,000 above the
nil-rate band (now ฃ250,000).
Foreign domiciliaries are subject to UK IHT on assets
in UK. So, if a foreign domiciliary owns UK property in his own name, the
personal representatives of his estate will have to obtain a grant of
probate/administration in the UK to obtain title to the property, which is
subject to 40% UK IHT above the spousal exemption and nil-rate band. This
can be a slow and costly process. Furthermore, the estate can be exposed
to public scrutiny, Inland Revenue investigation and legal claims in the
Capital Gains Tax (CGT): UK resident non-UK
domiciliaries (e.g., Thai wives living in UK who’ve acquired property
there) are liable to CGT subject to the application of main residence
relief exemption and non-business asset taper relief. Main residence
relief only applies to one property and married couples can only claim the
relief on one property.
Income tax: Rental income is subject to UK income tax,
for residents and non-residents alike. The expenses of the property
including mortgage interest payments can be offset against the rent - but
only if the mortgage was incurred either to purchase the property or to
raise money for the cost of maintaining it. Taking out a mortgage at a
later date in order to reduce income tax will not work.
A further income tax concern arises with regard to
shadow directors - particularly since the case of R. vs. Allen. A shadow
director is someone who is not a director of the company but has real
influence in the corporate affairs of the company - in other words, gives
directions to the board which are routinely followed. A shadow director
who receives benefits in the UK (such as rent-free accommodation) will be
liable to income tax on the value of the benefit.
Ownership of property in the UK will result in a
UK-resident individual becoming ordinarily resident in the UK, which may
adversely affect their income tax status. Individuals wanting to preserve
their not-ordinarily-resident status should consider purchasing a property
Corporation tax: If the central management and control
of an offshore company is conducted in the UK, gains made by the company
on the sale of the property will be subject to UK corporation tax. It is
common for foreign domiciliaries to purchase property through offshore
companies and then to treat the property as their own - for example,
instructing estate agents and accepting an offer and then directing the
company to complete the sale. This sort of improper conduct can lead to
real problems with the UK IRD.
Stamp Duty: Stamp duty is charged at 4% for properties
over ฃ500,000. However, if the property is owned by an offshore
company, sale of the shares in the company rather than the underlying
property will not give rise to a stamp duty charge.
Methods of Ownership
Direct ownership: This is the most straightforward
route. A UK resident can rely on main residence relief to avoid capital
gains tax. The significant concern remains inheritance tax.
Inheritance tax can be minimised by taking out a
mortgage on the property, which reduces the taxable value of the property.
If the mortgage is provided by an offshore provider, UK residents can use
offshore income to pay the interest without remitting income to the UK.
The other alternative is term insurance. This is
particularly attractive if the purchaser is young and healthy. The policy
should be issued either by an offshore provider or by a UK provider under
seal and kept outside of the UK; otherwise any payment under the policy
will fall into the UK inheritance tax net.
Mortgages and insurance are sometimes simpler and
cheaper than an offshore company/trust structure, so may be useful if the
property is worth less than ฃ5m. However, if the property is very
valuable, the insurance premiums or interest payments will be very high
and short term costs may outweigh the long term tax benefits. In these
circumstances, the offshore company/trust structure should be considered.
Leaving property to a UK-domiciled spouse can shelter
it from inheritance tax. If the surviving spouse sells the property and
takes the proceeds of sale outside of the UK this may remove the proceeds
from the UK inheritance tax net. The risk is that the surviving spouse may
not have an opportunity to sell the property. A second-death insurance
policy would protect against this eventuality.
Trusts: Holding a property through an offshore trust
will shelter the property from UK capital gains tax if the settlor is
non-UK domiciled. This structure is therefore useful if main residence
relief does not apply (for example, because it’s a second home).
However, a property owned directly by a trust will not
shelter the property from UK inheritance tax. So, holding property through
a trust will require the addition of a mortgage or insurance cover, use of
the spouse exemption, or the incorporation of an intervening offshore
company to reduce inheritance tax liability.
Offshore company: If used correctly, an offshore
company can shelter the property from inheritance tax, capital gains tax
and stamp duty, avoids the need to obtain a grant of probate/
administration, and maintains a high degree of confidentiality. However,
the legal ownership of the company must be respected and central
management and control of the company must be exercised outside the UK.
Company directors must evidence their decision-making process through
board minutes of meetings occurring outside of the UK. If the directors
have no knowledge of the underlying property and always act on
instructions, central management and control is likely to be a serious
In conclusion, no single structure is suitable for
every situation: careful planning must be undertaken, and adapted to the
Personal Directions: Handling phone calls ... handling complaints ... leave a lasting impression
By Christina Dodd,
founder and managing director of Incorp Trining Associates
Most conversations we have in this modern age are over the
phone. Just take a look around you in your workplace, at home, while you are
walking down the street, while you are boarding the skytrain or on the ninth
hole! In fact, almost everywhere that you turn you will see someone using a
telephone; that marvellous little invention that has turned communication, and
the “art of communication”, upside-down and inside-out and whichever other
way you care to name.
We have become so used to the telephone as a means of
communication that we have, in many ways, forgotten how powerful a tool it can
be, particularly when doing business. I say this because like you, I too have
been totally amazed and disappointed, and at times angered, by the lack of
basic telephone etiquette that exists in many businesses today. Companies seem
to be more concerned with acquiring the most complicated automated answering
systems than with having human beings on hand to serve their customers’
needs and enquiries.
I spent a very long day not so long ago trying to get some
answers from a company (and a rather major one at that) about a product I had
bought. Well, this company’s automated menu must be about the longest one in
history and if you have the memory of an elephant then you’d probably work
it out and actually get through to a human voice after a while. I did manage
to break through after numerous attempts and study of the instructions, and
after experiencing enormous levels of frustration and stress which immediately
put me into the “hostile caller “ category.
This type of situation happens so much of the time and it
really can be avoided if companies seriously consider the caller first - and
then install simple but efficient and personable systems to connect them to
the appropriate “people”. Automated systems can be a great help if they
bear in mind that the caller is not a machine!
Whenever I train people in improving telephone skills and
techniques, one of the main points that has to be stressed to them is that the
moment they speak, the first image they convey over the phone, is the first
impression the customer or caller will get and it will be the one they will
The telephone requires us to be more aware of our voice
than at any other time. Callers - customers - cannot hear our facial
expressions or our overall physical appearance, but they do form a mental
picture of us based upon the tone and quality of our voice. Our mood - smiling
and happy or frowning and angry - more often than not will come through. It is
wise to never under-estimate human perception and the ability of the person on
the end of the line to sense attitudes. That’s why, before we ever pick up a
telephone, we should take a moment to be sure that we are mentally prepared to
deal with the customer on the other end.
A pleasant phone voice takes practice and speaking in
well-modulated, pleasant tones is a learned talent. If you want to assess your
speaking voice tape yourself talking on the phone then ask an honest friend or
colleague to evaluate your vocal quality. Better still, have someone tape you
from the listener’s end so you can really hear how you sound to your
customers. By the way this is a good exercise for everyone to do because it
can immediately highlight problems that may exist and in no way can it
disguise the areas that need improvement. It is a dramatic and honest method
of feedback which is highly useful.
Some people I have done this with have never heard
themselves audio taped before and have been surprised and even shocked at the
way they sound! I tell them not to let it bother them because we all sound
strange to ourselves on tape when it’s for the first time.
Professional telephone talk has its rules. As mentioned in
the preceding paragraphs, a pleasant phone voice sets the tone for the
remainder of the call to be one of two things - a success or a disaster. Then
there are some basic procedures that need to be closely followed to ensure
customers that they are being well-taken care of, such as the way to answer
the phone; putting a caller on hold; taking messages; transferring calls and
ending the call efficiently so that the customer is satisfied.
Quite often I find that people in companies, who are not
strictly involved in customer service, call centres or telemarketing for
example, think that they can answer the phone when it rings with a simple
“hello”. Perhaps they think that because their position is not
customer-oriented or sales-oriented that they don’t need to pay attention to
the way they answer the phone and that the call is probably “just an
internal call.” This is one of the most common mistakes that is made by
general office staff. It doesn’t matter that you are not actually in
customer service - the point is that whoever is on the end of the line could
be a customer who has somehow gotten through to your extension, they could
also be one of your valued suppliers, they could be a colleague in another
department or they could be your boss!
People who have good communication skills, with particular
regard to the telephone, are an asset that companies cannot afford to be
without. Taking it a step further, people who are skilled in handling
objections or complaints, and dealing with dissatisfied, difficult and
sometimes hostile customers, either over the phone or face-to-face, are worth
their weight in gold. At Incorp we place a lot of emphasis on this aspect of
training because people, in general, feel that they do not have the confidence
or ability to handle what they see as confrontation. They think that it should
be passed on to someone else to deal with but in doing that, they are adding
fuel to the fire!
In dealing with difficult customer situations, we focus on
issues which include projecting a professional and positive attitude, being
supportive and cooperative, adopting active listening, choosing vocabulary and
verbal techniques, enhancing authority and credibility, getting to the heart
of the problem and developing strategies to prevent problems from happening
again. At the core of this is to most of all stay in control of emotions,
remain sincere as much as possible and continue to work towards resolution -
not further conflict.
For some customer service staff it may seem near impossible
to handle problems when the caller becomes irate and abusive. But through
learning and application, and experience, it is possible in most cases to find
ways of overcoming and resolving all varieties of customer related problems.
Fear plays a great role in the way we behave when confronted, and if we can
begin to understand fear, and how to control it and use it to advantage, then
the boost this gives in terms of self-confidence is quite remarkable.
It is necessary to place real importance on this subject
and not to simply tag it on at the end of a program session. It requires
definite focus and attention. One method is to brainstorm to come up with as
many probable objections, complaints or difficult scenarios, and then to
dedicate sufficient workshop time to acting on those situations. This can be
done through role play and various activities that invite interaction and
discussion. Putting people on the spot in the training sessions to come up
with credible solutions is a technique that has proven very successful with
our programs. We advocate the need for swift but controlled action, thinking
“outside the box” and practice, practice, and more practice.
If your company’s training requirements call for
improvement of communication skills and indeed for better handling of the
customers that nobody wants to handle, then please contact me by email at
christina. [email protected] or by calling me directly at Incorp
Training Associates in Bangkok.
Until next week, have a great week!
The Doctor's Consultation by Dr. Iain Corness: Quitting the Weed
I used to smoke 45 cigarettes a day. I gave up 21 years, 6
months ago at 10 o’clock in the morning, not that I’m counting or
anything! It was probably one of the most momentous decisions I have ever
made, and definitely one of the best decisions I ever made about my health.
It was 1981 and I had started smoking as a medical student
around 20 years previously. It was just the done thing at the time. We all
smoked, it made us feel older and more mature, after all our fathers all
smoked, so it was almost a ‘badge’ of adulthood.
As the evidence began to mount up against cigarette smoking
at the end of the ‘70’s and the early ‘80’s, I found myself in the
silly position of advising people to give up the weed, while I hid my ashtray
in the bottom drawer of my desk!
Like all smokers, I was able to rationalise my stand. I was
advising patients whose lung function tests were down, but mine were perfect.
If mine fell, then I certainly would give up smoking immediately. Yes, you are
way in front of me, aren’t you! I had to test my lung function machine one
day - and there was the proof - my respiratory function was 15% below the
“average” for my age and height. It was ‘bite the bullet’ time!
So I ‘gave up smoking’. I expected that there would be
a couple of difficult days, but then the cravings would abate and I would be
smoke free again. Two days was an understatement. For two weeks I would follow
other smokers down the road, nostrils flared and twitching as I desperately
tried to get a whiff of their second hand nicotine. I would look at ashtrays,
wondering if I could take a quick lick before anyone would notice my bizarre
behaviour. Really, it was a very stressful time of my life.
But after two weeks, the cravings became less, I was able
to have a beer without looking for a cigarette at the same time and I had
schooled myself into saying, “Thanks, but I don’t smoke,” when offered a
cigarette. But it was still very difficult.
In fact, it still is very difficult. I am sure that if I
smoked a cigarette today I would be smoking 20 tomorrow and 45 the day after.
But I don’t, because I made a conscious decision, based on medical
knowledge, all those years ago (21 and a half)!
Since those days, the medical evidence is not just
suggestive, it is totally compelling. Cigarette smoking increases your chances
of getting just about everything you don’t want, from crow’s feet to
cataracts to cancers (all of them, not just lung cancer). So why do we still
smoke, any rational member of society would ask? The simple answer is that we,
as a society, have been manipulated by big business into taking an extremely
addictive drug called nicotine.
Like all addicts we do not wish to admit to addiction,
saying, “I can kick the habit any time I want. I just don’t want to right
now.” It isn’t your ‘fault’ that you are continuing to smoke. It
isn’t your fault that you have returned to smoking after some time of being
a non-smoker. It is a drug of addiction and next week I’ll tell you how to
stop - permanently!
My girlfreind (sic) cannot speak no good English, but
will not to go to English classes, even though I pay her munny (sic) every
month and sed (sic) I will pay for the English clases (sic) as well. Can
you tell her to go? I can’t take her back to Aussie if she can’t speek
(sic) to the poeple (sic).
You do have a problem, but it is much greater than
your girl’s lack of interest in the English language. Just where did you
go to school to learn your mother tongue, my Petal? Or were you sick that
day? Hillary thinks it would be a better idea if you both went to the
English classes. Enroll her in the advanced classes, it will give you
something to aim for - catching up. Just remember, the family that learns
together, yearns together.
I do not know where to turn to get the answer to my
problem, so I thought that maybe you could do it. I have a motorcycle that
I let my girlfriend use for shopping and general getting around when I am
not in town (I work three months in Saudi and three months here). I have
always been very careful to make sure the car and motorcycle I own have
insurance and that we have medical insurance as well. I get a call from my
lady to say that she had a small accident on the cycle and that I will
have to pay 5,000 baht to the car she ran into. I rang the insurance
people but they told me that my lady doesn’t have a drivers license so
they are not going to pay, I have to. Hillary, is this right? I have been
paying the insurance for over two years and now they say they won’t pay.
What is this? Can I take them to court for misrepresentation or something?
Time to read through the fine print, I think, Petal.
Unlicensed drivers and riders mean no bikkies back for the bikers I’m
afraid. Just pay up and tell your girlfriend to go and get a license. It
is a lot cheaper than paying for damages. Even if she has to buy it!
This is a stepson problem, and a large one, so I hope
you have some good ideas. This man (he’s 32 now) wraps my wife (his
mother) around his little finger. He never has any money and on this trip
to Thailand, she paid for the lot. His mother and I have been married five
years, but she divorced his father 15 years ago. I know that when he comes
it will be hand-outs every day. How do I show my wife just what this guy
is like? I have never liked him.
Dear Browned Off,
Regarding your stepson problem - is the problem a
large one, or is it he who is a large one? If it is the latter, don’t
pick a fight with him! Would it surprise you if I told you that I am sure
your wife already knows what this young man is like. After all, she’s
known him for 32 years, which is around 27 years longer than you have.
Mothers know and understand what their offspring are like, but forgive
them and make allowances for them. Lighten up, I’m sure he won’t be
here for ever as he probably doesn’t like you much either.
I am 48 years old and retired and have been in Thailand
for fourteen years. I do not believe that man was meant to live on his
own, so in that time I have had a few girlfriends, mainly to live in. I
was always told just how pretty the Thai girls are, and to start with I
felt the same, but recently (about a couple of years) I have gotten around
to thinking some of the European women are pretty good on the eye as well.
So much so that I am thinking about just how I can manage it, because I do
have someone living with me right now. What is your opinion, Mrs. Hillary?
Should I just forget about the Euros and concentrate on the one at home,
or should I get to know some of the visiting back-packers? I am getting
quite confused just thinking about it. Do you think I have a problem Mrs.
Hillary, and who should I see about it?
Dear Butterfly Bob,
Yes, Petal, you do have a problem. I think most of
it comes from a wild imagination, tempered with an excess of circulating
hormones and an unshakable belief that the grass in the next field is
greener. Really, Bob, it is high time you settled down. You have a little
one at home, try to let that relationship develop, instead of developing
fantasies. So what should you do? Well first off, bottle the hormones,
you’ll need them later when you are older. Secondly I would suggest some
work to fill in your obviously under-employed days, there’s plenty of
charities that could do with a helping hand. You never know, you might
even meet some ‘Euros’ as you so delightfully call them! And by the
way it’s Miss Hillary, thank you, Petal!
Camera Class: Colour or Black and White?
I can remember when all photography was done in Black and
White (B&W). You too? To get different colours, toners were added to the
final bath for the prints - selenium, sepia, iodine - they all gave a different
“cast”, but it was still B&W with a tinge of something else.
The next thing we did was to hand colour B&W to give blue
eyes staring out of a grey face which had red lips. Hardly realistic.
However, we then invented colour film. We learned how to make
it so cheaply that everyone could afford to use it. We made it so responsive
that any simple camera could handle it. We made it universally popular.
This is no object of wonder. We live in a colourful world -
and especially so in Tropical Thailand. However, just how “true” are the
colours you get back from your friendly one hour photo processors?
(Incidentally, have you noticed that most one hour places tell you to come back
Unfortunately, colour changes from photo processing shop to
photo processing shop and from brand to brand and film speed (ISO rating) to
film speed. As an exercise, take the same subject with the same camera, at the
same time of day with different films and then compare the end results. The
camera never lies? It certainly bends the truth with colours.
You will also get spectacular differences in colour depending
upon the time of day. The “colour” of the sun’s rays is measured in a
scale called Kelvin degrees and this differs dependent upon the time of day. The
“blue” end of the range is in the morning and the “red” end in the
afternoon. When you are using sunlight as the source of light for your
photographs, the colour “temperature” (the degrees Kelvin thing) of the
sun’s rays will give the overall cast to the picture. This is why you get
“warm” (orange-red) tones in the late afternoon and “cold” (bluish)
tones in the mornings.
Now it doesn’t stop with orange and blue. If you use other
sources of illumination for your photographs, you will get even more different
colour casts. Look at any photographs you have taken where fluoro lights were
the principal light source. The resulting photo will have a distinctly
“green” hue. Similarly, if “ordinary” (tungsten) light bulbs are the
light source you will get a very strong orange cast to the photograph.
Take a look at the shots I have used this week to illustrate
colour shift. Even though they are printed in glorious newspaper grey monocolour,
you will see an obvious difference. These shots were taken at an open air night
concert, and the guitarist is Lam Morrison, for the music buffs. The two shots
were taken less than 5 seconds apart, but they look totally different, do they
not? The shot on the left was taken by using the flash with the camera (which
overpowers the stage lights), while the one on the right was taken after turning
the flash off and letting the stage lights be the source of illumination. If it
were in colour, you would actually see that the left hand side is blue, while
the right hand side is a yellow/green.
Pro shooters will use this colour shift to impart a mood to
their shots. When taking a restaurant, for example, you want to evoke a warm,
friendly mood. So, turn off all the fluoro’s and the camera’s flash and turn
up all the tungsten lights. End result is that warm inviting glow.
Now, if on the other hand you want the bleak wintery feel to a photo, get up
early in the morning and take the shot of someone standing alone on a windswept
beach. The blue cast from the early morning sun will do that for you. If you are
not an early riser, then bung a blue filter on the lens and get the same effect
- that cold blue cast through the picture. (But that’s an old pro shooter’s
Recipes from Rattana: Rice in Coconut Milk
This is actually a Singaporean recipe, though it has a very
close counterpart in Thailand. It is also very similar to an old Scottish
recipe that calls for barley and cows milk, coconuts not being too plentiful in
the wilds of Scotland!
It is not an “instant” recipe dish as the cooking alone
will take around one hour and the rice itself should be soaked overnight. The
secret is to ensure that the rice takes up all the coconut milk.
Ingredients Serves 4
Rice, long grain 350 gm
Coconut milk 200ml
Salt 1-2 tspn
Rinse the rice in cold water to get rid of dust and husks
and then leave to soak overnight. Drain and place in a rice cooker for 30
minutes, stirring once.
In a pan heat the coconut milk (thin coconut milk is best)
and add the salt. Bring to just below the boil, but do not let it boil. Now add
the cooked rice and reduce to a moderate heat and leave uncovered for another
30 minutes until the rice has absorbed all the coconut milk.
Before serving garnish with chopped spring onion or fresh
(In the Thai version, substitute sugar for salt.)
Battling the Crab By Leslie Wright: Part
6 of a 6-part series about fighting cancer
A strange side-effect of the chemotherapy and the latest
round of radiation therapy on my brain is mood-swings.
I had read that depression is common amongst cancer
patients, and I felt that I had never succumbed to that. But certainly my
temper had been affected. I would snap at staff for minor infractions, and
found I was far less tolerant and patient than previously. (Although some
who know me well would say that I was never particularly patient or tolerant
in the first place!)
It is enormously helpful to have close friends you can
trust to whom you can talk freely & openly about the disease and its
effects (as opposed to self-centred acquaintances - 90% of whom don’t want
to know and 10% of whom will be glad.) And this not only applies to the
cancer sufferer, but also friends and family members who themselves suffer
psychologically along with the victim, and may well have to care for and
nurture someone very near and dear who is suffering before their very eyes.
It is difficult to maintain a positive outlook and supportive spirit under
If you feel it is easier to unburden to people in a
similar situation to yourself, a support group can be very helpful.
But in all cases, it is vitally important to be able to
unburden yourself of the enormous stress and tension that inevitably
accompanies the fight against the disease and the adverse effects of the
radiation and chemotherapy, and the fear of dying, and the onerous task of
having to put one’s affairs in order so as not to leave an unholy mess for
others to sort out after you’ve gone - and in my case, the additional
stress of keeping my brokerage company running as smoothly as my
unexpectedly curtailed and limited time would allow, in order to look after
the interests of the clients who, when informed last December of my health
situation, had overwhelmingly chosen to stay with me rather than transfer
allegiance to another brokerage.
Plus of course, I either had to draw down from capital
(not a wise move when the markets were still dropping) or generate the
necessary income not only to keep the company afloat, but to pay the
enormous hospital bills that fighting this disease were creating - which
averaged over Bt.150,000 a month! I have been more fortunate in my career
path than many, and was financially secure enough to absorb these unexpected
additional expenditures. But I rue having let my comparatively inexpensive
local healthcare insurance lapse - despite its excluding pre-existing
conditions and limiting the choice of hospitals: the one I chose would have
been covered, and lung cancer was certainly not a pre-existing condition!
When I was first diagnosed with cancer, and given only a
limited life expectancy, I read up whatever I could on cancer in general and
my cancer in particular.
One of the themes that kept recurring was the power of
the mind: having and maintaining a strong positive attitude. Never give up.
Hope, pray, rant & cant if it will help - but keep fighting.
In your mind stay focussed on defeating this invasion of
your well-being, never letting it gain the upper hand and dragging you down
to the pit of despair. Eliminate all negative influences (including doctors
of doom & gloom), and keep telling yourself that you will live, that you
will get better.
I’m sure this attitude contributed to my going into
remission - and remember that this was against all the statistical odds: 5%
for; 95% against.
Second, be aware that the standard medical procedures of
cutting, burning and poisoning are not the only therapies to be considered,
since their success rate in some cases is appallingly low.
At the same time it must be said that many alternative
medicines have never been properly tested and evaluated scientifically, and
their claimed success rate is very often anecdotal rather than provable.
But again, the power of the body to heal itself is often
underestimated. If you truly believe the alternative herbal medicine will
cure you, it may well do so.
There are also newly-developed drugs which are not
readily available in USA, UK or Europe, because they are still awaiting FDA
approval. Clinical trials can take years and are very expensive.
Again, perhaps we are fortunate in that Thailand is one
of the countries in which these clinical trials are undertaken (possibly on
patients who haven’t the faintest idea what they’re being given, and are
too polite and humble to question their almighty doctors); and virtually any
pharmaceutical concoction is available without prescription in Thailand.
Immune-system boosters not only work for some AIDS
patients, they also help fight some cancers.
Traditional herbal medicines can also play a part. For
instance, shortly after I was first diagnosed, a good friend gave me some
Chinese-Thai herbal medicine to be taken every day. This evil-tasting
concoction is reported to have positive results with cancer - or stimulates
the immune system to fight the cancer, or at least, is a tonic to make you
feel better (if you can tolerate the taste). So, having little to lose and
much to gain, I tried it, and my friend has kindly kept me supplied with it
ever since. It may taste horrible, and it may or may not have been
efficacious in reducing the tumour, but perhaps it did. Something did.
I also read that taking high doses of vitamins and
minerals helps the immune system to fight the cancer. I had been taking the
usual vitamin supplements for years, but upped the daily dose of vitamins C,
E, A, B, & K and the minerals that are associated with the proper
absorption of them - notably selenium & zinc. A potpourri of 10 tablets
in all, freely available across the counter of any pharmacy.
I was also introduced by a friend to the therapeutic
value of Reiki, which is a Japanese technique for stress reduction and
relaxation that also promotes healing by the laying on of hands.
It is not a quasi-religious load of mumbo-jumbo, but does
seem to have some real effect on the body. I was introduced to a soft-spoken
part-time expatriate resident of Pattaya, who apart from his main
profession, is a Reiki master. He kindly took the time to explain to me how
Reiki works, and eventually taught me how to apply the therapy to myself.
And all for no personal gain! Reiki simply involves laying hands on certain
parts of the body, and leaving them there for a few minutes. Somehow, a
certain amount of heat really is generated in the hands. And whether this
stimulates underlying organs, or the body’s own immune system, or fights
cancer cells, I cannot say. If nothing else, though, it relaxes you, takes
away a great deal of the tension and stress that accompany battling cancer,
and gives you a feeling of calmness and peace. And for those reasons alone,
it’s worth doing.
I hope you have found this mini-series helpful in
understanding a little of what cancer patients go through, and how much the
support and encouragement of friends can mean in what is, literally, a fight
for life. But above all, believe you can beat it.