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Swimming probably is the best overall all-round exercise and has the benefit of little impact damage on joints etc. Good for cardio vascular stuff etc etc.

In a gym environment running machines and rowing machines are fine but tend to work on specific areas not all round stuff - both are fine for cardio and weight loss. A much better piece of kit is the Cross Trainer which aims to replicate the workout given by cross country skiing ( albeit witout the often glorious views). But for sheer allround weight loss cardio vascular exercise which is a good stomach toner haven't yet come across a piece of kit which is better