Tag: child

  • The Internet is the Perfect Place for those over 60 to Freely Discuss Sex

    The generation gap is alive and well when it comes to many issues in our society. Sex is one of them and so the older generations are turning to the internet as the perfect place to feely talk about it. There younger co-workers, friends, and certainly their own children don’t want to discuss it with them. It can be hard for younger generations to accept the fact the their own parents and even grandparents are still having sex.

    Yet more and more people are living a healthier lifestyle to late in life. This means there is no reason why someone over the age of 60 can’t be having the time of their life when it comes to their sexual relationships. It doesn’t matter if they have been with the same person for years or if they are newly on the market and seeing what it has to offer them.

    Not everyone from the older generations is comfortable talking openly about sex. They may feel guilty or embarrassed about doing so. Yet with the internet you can talk freely to others and hide behind the screen. No one ever has to find out your real name or what you look like. You may be talking online with people in another country or just across town from you. The anonymous nature of the internet though makes it safe and so people tend to open up more.

    There is a great deal of information to be found online too about how sex is for those over 60. Individuals who are experiencing low libido or a variety of other problems that are sexual in nature can find out more about it. They can get support because they know that they aren’t alone in what they are going though.

    In many instances, reading such information can help them come to terms with where they are. They may be encouraged to go see a doctor or a counselor to help them get passed the issue. They may find that they are able to rid themselves of the guilt associated with having sex with a new partner after their previous one died. All of these issues and more are covered in great detail online for those that are 60 and older.

    A person can simply choose to read articles that are posted online. Search engines are a great way to be able to narrow down the topics. As you read more articles you can jot down notes. This way you can come up with more keywords to enter and do other searches on. You can collect the information you want from the privacy of your home without feeling self conscious about it.

    There are also plenty of forums where other people can read your posts and respond to them. This is a great way to get personalize information that is specific to the questions you have. You can also do your part by reading what others need and responding. This is a great way to give back the support that has been given to you along your road to sexual happiness at an older age.

    It seems that there are more and more individuals older than 60 out there sharing their stories of having sex. Some of them are fun while others are full of questions. You do need to make sure that you get reliable information though. Just because there is something written on the internet doesn’t make it true. Take the time to verify the resources. Keep in mind that a great deal of the information you do come across will be the personal opinions of other adults and not based on anything credible by and expert.

    Still, what you do get from other people who have been through similar experiences can give you something to think about. It can help you to overcome personal fears as well as provide you with some comical relief from time to time.

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  • Improving Your Sex Life: How to Be Spontaneous

    Are you looking to improve your sex life?  If you are, you may have already heard that being spontaneous is advised.  Spontaneity often leads it an increase in interest and an increase in satisfaction, in terms of intimacy.  Unfortunately, some men and women find being spontaneous a lot easier said than done.  If you are one of those individuals, please continue reading on for some helpful tips.

    One of the many ways that you can be spontaneous is by not waiting for your partner to initiate sex.  Unfortunately, many women wait for their husbands or boyfriends to get sex started.  Why wait?  You shouldn’t.  In fact, did you know that your partner may be hoping that you start showing more interest in being intimate with them?  What better way to do so than to initiate sex yourself?

    A creative way to be spontaneous, where sex and intimacy is concerned, is by using text messages.  If you and your partner have and use cell phones, send sexy and seductive text messages to them.  In addition to text messages, you can also call your partner or send love notes with them when they walk out the door.

    As previously stated, there are some individuals who find it difficult to be spontaneous.  Parents are often one of those individuals.  Even if you are a parent who has children in the house, there are a still a number of ways that you can be spontaneous, in terms of intimacy with you partner.  Did you just put your children down for bed?  Jump on your partner, literally, as soon as your kids leave the room.  Most parents want to sit down and relax after their kids have gone to bed, but show your partner that you have other things on your mind.

    Having sex somewhere other than the bed or the bedroom is another way to be spontaneous with your partner.  If you are a parent who has kids in the house, just be careful.  Don’t have sex outside of the bedroom when they may be awake at night and don’t be too loud or you may have an uncomfortable situation on yours hands.

    As for where you can have sex outside of the bedroom, use your creativity.  Where do you want to have sex?  What locations would allow you to try new positions that just can’t be done in a bed?  In addition to being intimate in places like on the couch, in a closet, in the bathroom, or on the kitchen table, consider going outside of the home as well, like to a hotel.

    Speaking of getting intimate outside of the home, surprise your partner.  You can do this by booking a night at a hotel in town.  Make sure you choose one that has romantic rooms or an onsite hot tub or swimming pool.  If you are a parent, arrange childcare for your children first, like by calling on a trusted friend or family member.  Don’t tell your partner about your plans until you are ready to leave, as being spontaneous involves surprising them.

    As you can see, there are a number of different ways that you can use spontaneity as a way to improve your relationship, both inside and outside of the bedroom.  What are you waiting for?  Get started today?  Your partner may appreciate your quick thinking.

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  • Individuals 60 and Older are Very Happy with their Sex Lives

    Some individuals feel that getting older isn’t going to be very much fun. They believe that everything on their body is going to start to move in directions that aren’t very appealing. It is this ideal that they have that makes them think that older individuals much must not take part in having sex. They also believe those that do don’t get very much pleasure out of it. Yet they are very wrong in their thinking based on what is really taking place out there.

    Most people over the age of 60 are definitely having sex and they are very happy about it. They take part in the activity at least one a week with a regular partner that they have been with for some period of time. They are past the time in their lives when they have to be everything to everyone. It is now time to really focus on their own needs, and that applies to their sexual desires as well.

    Some individuals who are over the age of 60 grew up in a very different world. Men were mainly dominant and women were submissive. They stayed at home and took care of the house and the children. Today, there is much more equality among men and women in society. That means women can be more assertive in regards to sexual activities they wish to engage in.

    Contrary to popular belief, men really like this. They don’t want to be the one to always initiate sexual activities. They want to know they are needed and that they are desired. They want to be sure their partner is having sex because it feels good to them, not just because they feel obligated to keep their partner happy.

    Some may think that sex for those over 60 would be boring. After all they should enough experience under their belt to have tried it all. Yet many people in this age group will tell you they are still learning. They are finally following what they wanted to try long ago. Also, as they have gotten older their sexual needs and desires have changed from what they once were.

    Communication about sex seems to be more of a standard for people over the age of 60 They feel a connection that goes much deeper now than they did earlier in their lives. While they realize sex isn’t what the relationship is all about, it is definitely a very important part of it. They want to become more intimate with their partner and having a great sexual relationship allows that to take place.

    For those who have been with the same partner for a very long time, many of the tensions that were once there are gone. With the children grown and retirement in place the struggles over child rearing, money, and even time that were once there aren’t anymore. This means that the couple can focus their attention on the needs of each other emotionally and sexually instead of it being consumed by day to day needs.

    The sexual behaviors of those over the age of 60 may not be of interest to younger generations. In fact, they find it hard to swallow that their parents or grandparents are taking part in such activities. Yet it should be reassuring to younger generations that such a big part of their life now can continue on as they reach that age themselves down the road before they know it.

    While most people you likely know who are over the age of 60 don’t go around discussing their sex life in public, you can be sure there is plenty of action still taking place. It is evident from various surveys and questionnaires. The reports from medical offices around the world tell the same story. A great deal of information about those over 60 enjoying sex is also found online where people can share it without disclosing their identity.

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  • How Menopause can Decrease Sexual Desire for Women over 60

    There are some significant changes that take place in a woman’s life. One of them is menopause. This marks the end of her ability to conceive a child. There will be no more menstrual cycles once the woman is in complete menopause. Yet it can take years to go from the start of menopause to completely finishing it. Most women start the process around 45 and finish around 60. It can be sooner or later though as each woman is different.

    There is a common misconception that women who have gone through menopause no longer have any sexual desire. They may continue to engage in the activity to keep their partner happy, but they don’t get any pleasure out of it. This is certainly not the truth though.

    Many women over the age of 60 are involved in very fulfilling sexual relationships. They love not having to worry about their period. They also don’t have to worry about an unwanted pregnancy very late in life. This new found freedom for them means they are able to fully focus on the act of sexual activity and not the various repercussions of it.

    Some women do experience a drop in their sexual desire though after menopause. Many women experience problems with the vagina being dry after menopause. This can make it hard for them to get pleasure out of sexual activity. There are some great products on the market though that will allow you to moisturize the vagina without any negative side effects.

    It is a good idea for a woman with such issues to see a gynecologist for a complete evaluation though. They may be able to help come up with a natural remedy that can prevent ongoing issues having to be addressed with it. For many women, dealing with vaginal dryness can cause a mental block with sexual intercourse.

    They may connect it with being undesirable now that they are in their 60’s. This low self confidence can cause women to shy away from sexual intercourse as well. Being able to really enjoy your body and your sexual desires when you are over 60 is very important. It will encourage you to do what you can to be able to bring back a high level of sexual desire to your life.

    Sometimes something over the counter though isn’t enough for a woman to get back the sexual desire she once had. Your doctor may offer you supplements of hormones in the form of estrogen. Since the level of it in the body drops dramatically due to menopause, replacing it definitely can be helpful.

    Menopause doesn’t have to hinder your sex life though for women over 60 years of age. If you enjoy sex and you want to continue doing so, there are remedies out there that can help. Don’t be embarrassed to discuss the issue with your doctor either. They deal with such issues all the time. They will know how to help you get back to where you want to be sexually.
    For many older couples, menopause can throw a wrench into what was once a very enjoyable part of their intimate relationship. It is important to discuss what has taken place. A woman doesn’t want her partner to assume the lack of sexual responsiveness has anything to do with them not being attractive anymore. Find a good solution that works for you so that menopause won’t stop you from engaging your sexual relationship.

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  • Having Sex into your 60’s and Beyond can help you Feel Younger

    When we are young we often proudly tell people just how old we are. That all changes though when a person gets older. However, you are only truly as old as you feel. Skip the skin cream if you want to feel younger as one of the best ways to do so is to have a good sex life. Some will argue that this isn’t always possible due to not having a partner, but even masturbating when you are 60 or older will help you to feel younger.

    Sexual activity helps to relieve tension in both the mind and the body. It is agreed that all adults can certainly benefit from that. A healthy sex life also helps you to feel good about who you are. There are few things in life that are as intimate between two individuals as having sexual relations. If you are true to the meaning behind your feelings then sex can only get better for you as you get older.

    It may be hard for younger generations to understand how sex can get better with age. It has to do with the emotional connection that is found in the older years. We often take our relationships for granted when we are younger even if we truly do love those we are with. The physical as well as the emotional connect that can be made is what makes it that much more special.

    You can feel younger having sex when you are past your 60th birthday and have some additional perks. For example you often don’t have to worry about work schedules, taking care of children, or many other types of interruptions that can get into your way. There is also no longer a risk of getting pregnant and that can allow many couples to feel very free.

    When you are young, you often can’t imagine being over 60 and still having sex. It may seem like you are going to be so old. It really depends on your age when you start having such thoughts though. Keep in mind that your physical condition is going to affect how old you feel. Some 40 year olds physically feel older than many 60 years old. Staying active is going to be key to being able to still enjoy sex at an older age.

    You may not have experimented much with sex when you were younger but still have the desire to do so. You are never too old to have fun with sex so let your partner know what your desires are. Chances are they will be very willing to comply with what you want to be fulfilled. Make sure you find out what they need as well so both of you can enjoy the activities and feel younger in the process.

    Sex is an activity that people can really enjoy for their entire adult life. It doesn’t have to stop just because of the number of candles on your birthday cake. While it is true that you won’t hear as many 60 something people talking about sex, they are still enjoying it. There are plenty of statistics out there that reflect this. You can feel good about yourself as well as feel years younger if you are actively enjoying sex at this age and beyond.

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  • History of advertising

    Egyptians used papyrus to make sales messages and wall posters. Commercial messages and political campaign displays have been found in the ruins of Pompeii and ancient Arabia. Lost and found advertising on papyrus was common in Ancient Greece and Ancient Rome. Wall or rock painting for commercial advertising is another manifestation of an ancient advertising form, which is present to this day in many parts of Asia, Africa, and South America. The tradition of wall painting can be traced back to Indian rock art paintings that date back to 4000 BCE.

    In ancient China, the earliest advertising known was oral, as recorded in the Classic of Poetry (11th to 7th centuries BC) of bamboo flutes played to sell candy. Advertisement usually takes in the form of calligraphic signboards and inked papers. A copper printing plate dated back to the Song dynasty used to print posters in the form of a square sheet of paper with a rabbit logo with “Jinan Liu’s Fine Needle Shop” and “We buy high quality steel rods and make fine quality needles, to be ready for use at home in no time” written above and below is considered the world’s earliest identified printed advertising medium.

    In Europe, as the towns and cities of the Middle Ages began to grow, and the general populace was unable to read, instead of signs that read “cobbler”, “miller”, “tailor”, or “blacksmith” would use an image associated with their trade such as a boot, a suit, a hat, a clock, a diamond, a horse shoe, a candle or even a bag of flour. Fruits and vegetables were sold in the city square from the backs of carts and wagons and their proprietors used street callers (town criers) to announce their whereabouts for the convenience of the customers.

    In the 18th century advertisements started to appear in weekly newspapers in England. These early print advertisements were used mainly to promote books and newspapers, which became increasingly affordable with advances in the printing press; and medicines, which were increasingly sought after as disease ravaged Europe. However, false advertising and so-called “quack” advertisements became a problem, which ushered in the regulation of advertising content.
    19th century
    Edo period advertising flyer from 1806 for a traditional medicine called Kinseitan

    Thomas J. Barratt from London has been called “the father of modern advertising”. Working for the Pears Soap company, Barratt created an effective advertising campaign for the company products, which involved the use of targeted slogans, images and phrases. One of his slogans, “”Good morning. Have you used Pears’ soap?” was famous in its day and into the 20th century. Under Barratt’s guidance, Pears Soap became the world’s first legally registered brand.

    history of advertising
    Black figure vessel with double alphabet inscription, showing new letters ΥΧ[Φ]Ψ, and ΥΧΦΨΩ.

    An advertising tactic that he used was to associate the Pears brand with high culture and quality. Most famously, he used the painting Bubbles by John Everett Millais as an advertisement by adding a bar of Pears soap into the foreground. (Millais protested at this alteration of his work, but in vain as Barrat had bought the copyright.) Barratt continued this theme with a series of adverts of well groomed middle-class children, associating Pears with domestic comfort and aspirations of high society.

    Barrat established Pears Annual in 1891 as a spin-off magazine which promoted contemporary illustration and colour printing and in 1897 added the Pears Cyclopedia a one-volume encyclopedia. From the early 20th century Pears was famous for the annual “Miss Pears” competition in which parents entered their children into the high-profile hunt for a young brand ambassador to be used on packaging and in consumer promotions. He recruited scientists and the celebrities of the day to publicly endorse the product. Lillie Langtry, a British music hall singer and stage actress with a famous ivory complexion, received income as the first woman to endorse a commercial product, advertising Pears Soap.

    Barratt introduced many of the crucial ideas that lie behind successful advertising and these were widely circulated in his day. He constantly stressed the importance of a strong and exclusive brand image for Pears and of emphasizing the product’s availability through saturation campaigns. He also understood the importance of constantly reevaluating the market for changing tastes and mores, stating in 1907 that “tastes change, fashions change, and the advertiser has to change with them. An idea that was effective a generation ago would fall flat, stale, and unprofitable if presented to the public today. Not that the idea of today is always better than the older idea, but it is different – it hits the present taste.”

    As the economy expanded across the world during the 19th century, advertising grew alongside. In the United States, the success of this advertising format eventually led to the growth of mail-order advertising.

    In June 1836, French newspaper La Presse was the first to include paid advertising in its pages, allowing it to lower its price, extend its readership and increase its profitability and the formula was soon copied by all titles. Around 1840, Volney B. Palmer established the roots of the modern day advertising agency in Philadelphia. In 1842 Palmer bought large amounts of space in various newspapers at a discounted rate then resold the space at higher rates to advertisers. The actual ad – the copy, layout, and artwork – was still prepared by the company wishing to advertise; in effect, Palmer was a space broker. The situation changed in the late 19th century when the advertising agency of N.W. Ayer & Son was founded. Ayer and Son offered to plan, create, and execute complete advertising campaigns for its customers. By 1900 the advertising agency had become the focal point of creative planning, and advertising was firmly established as a profession.  Around the same time, in France, Charles-Louis Havas extended the services of his news agency, Havas to include advertisement brokerage, making it the first French group to organize. At first, agencies were brokers for advertisement space in newspapers. N. W. Ayer & Son was the first full-service agency to assume responsibility for advertising content. N.W. Ayer opened in 1869, and was located in Philadelphia.

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  • How to Find the Perfect Beauty Pageant Dress for Your Child

    Have you recently decided that you would like your child to enter into beauty contests?  Whether your child is a toddler, a teen, or an elementary school aged child, it is likely that you will be in charge of choosing and buying a beauty pageant dress. A beauty pageant dress is an important part of a pageant; therefore, you will want to make sure that you take your time and choose the perfect beauty pageant dress for your child, not just any ole one.

    One of the first things that many parents do is try to envision what type of dress they would like their child to wear.  While this is more than possible to do, you never really know what you will find.  Instead of wasting time discussing what you may or may not even come across, you may want to wait and save the discussions until after you start shopping. So, in that case, the first thing that you may want to do is head on down to your shopping mall or dress store.

    Once you arrive at the store or stores that you would like to visit, you can start eliminating beauty pageant dress styles or colors almost right away.  It is also advised that you bring your daughter along with you.  If your daughter is unable to attend, for one reason or another, you can look, but you may want to hold off on buying.  A beauty pageant dress is one that should be a joint decision between everyone involved, even your child, especially if she is a teenager.  Once you and your daughter have a handful of beauty pageant dresses that they would like to at least try on, you will want to get started with doing so.
    How to Find the Perfect Beauty Pageant Dress for Your Child
    When it comes to trying on a beauty pageant dress, you will want to encourage your daughter to do more than just try on a dress.  She will want to walk around in it, stretch a little, and so forth. Although a beauty pageant dress may be beautiful, it doesn’t necessarily mean that it will be comfortable to wear.  Yes, in a beauty pageant beauty is more information than comfort, but if you daughter is uncomfortable in her dress then it may negatively impact her beauty pageant appearance.

    Cost is another factor that you should also take into consideration. Yes, it is important that your daughter gets a beautiful beauty pageant dress, but you also need to make sure that you choose a dress that you can afford.  There are too many horror stories associated with parents who lost their homes or their vehicles because they ended up investing too much money into their child’s quest to become a beauty pageant queen or princess.  This is a mistake that you will want to try and avoid making yourself.  In fact, you may even want to think about trying to find secondhand beauty pageant dresses.

    Although secondhand beauty pageant dresses have this awful ring to them, at least to some parents, you may not have any other options if you are on a budget. You also need to remember that many beauty pageant dresses are only worn once or twice and many are well cared for. What does this mean for you and your child?  It means that you may be able to walk away with a relatively new beauty pageant dress without having to go broke doing so.  You may be able to find like-new beauty pageant dresses that cost half as much as the brand new dresses do.

    It is also important to mention online shopping. You may be able to buy a beauty pageant dress online, in either new or used condition.  The only downside to doing so is that it important to make sure that all measurements are correct.  One simple mistake on a measurement and hundreds of dollars could be wasted on a beauty pageant dress that your child can’t even wear.

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  • Google Adsense Alternatives

    Google Adsense Alternatives

    Many people have started using Google's AdSense program, but there are some who find it a bit too uncertain or merely not suiting their own requirements from an ad program.

    But thankfully for such people, there are many alternatives to AdSense which attempt to alleviate some of its shortcomings. Here is a list of the most noteworthy ones from the lot with a description concerning each one.

    AllFeeds (http://www.allfeeds.com/?action=publishers)

    AllFeeds has a great pool of online advertisers to choose from. It also features many display formats that you can choose from. These include banners, buttons, XML feeds, DHTML pop-ups and so on. It also features real time reporting of your ad status. The site will mail a check every month, provided that you earn more then $25.00, while rolling over earnings for the next month if you don't. Another interesting thing about AllFeeds is that it integrates with Google AdSense, maximizing your earnings with AdSense.

    MarketBanker (http://www.marketbanker.com/mb/sell.php)

    MarketBanker allows you the unique possiblity to set the pricing for your site. It also allows you to allow or reject any link that appears on your site (although AdSense itself does a very good job of this as well, with URL filters) There's also a statistics section which will allow you to see how well your site is doing. The ads are small just like AdSense's and they're just as easy to set up. Also, registration for MarketBanker is free.

    BidClix ( http://www.bidclix.com/PubTop.html)

    BidClix is different because it has advertisers compete for clicks on your site, which in turn is meant to generate the highest possible profits for your page. It also has a very large pool of advertisers which ensure there are plenty of people to choose your site. However, it does require more polish on site contents then AdSense. As most sites, real time statistics are available and its very easy to get started with this service, but it's also very flexible.

    Chitika (http://www.realcontext.com/index.php?option=RealContext:+Contextual+Targeting+Engine)

    RealContext uses Artificial intelligence to retrieve the most relevant ads for your page. And there's an extra feature which makes RealContext unique as well. Keywords are selected based upon which previous selections payed off and which didn't. That means there's a constant feedback process that ensures you gain better revenue from your ads. It also supports blocking certain adds and child-safe filtering and many more options.

    AdHearus (http://adhearus.com/webmaster.php)

    AdHearus is a very feature-packed contextual ad provider. As with AdSense, advertisements are targeted but it doesn't stop here at all. The ads are very flexible, you can select from text-ads, banners, rectangles, pop-ups, pop-unders or skyscrapers. You can also display your own ads, through rotation, both on your site and on other affiliate sites, which makes AdHearus a hybrid with conventional advertising technologies. There's a very comprehensive on-line real time reporting feature and, as usual with such services, starting out is free and it's a breeze.

    AffiliateSensor (http://www.affiliatesensor.com/)

    AffiliateSensor has highly customizable ad blocks, which you can make for yourself with an easy to use on-line interface. You also get realtime reporting with clicks-by-domain, page and refferer. There's integration with Google AdSense as well, through the google_alternate_ad_url so AffiliateSensor can be used as a substitute for Google PSA's (Public Service Ads).

    Kanoodle Bright Ads (http://www.kanoodle.com/about/brightads.cool)

    Kanoodle's offering allows publishers to get ads related to topics or segments, and not the traditional keyword oriented ads. The site also groups publisher sites with advertisers by hand to ensure high-revenue generating ads. And speaking of revenue, the amount of money you receive is a clear 50% share of the amount of money Kanoodle recieves for an advertiser.

    TargetPoint (http://publisher.targetpoint.com)

    TargetPoint is oriented more towards content publishers. It offers full control over the look the ads, statistics over your site's overall performance and better revenue. It's free to register and you earn a guaranteed 60% of the total revenue. You can get payed with Paypal of Bank checks and (most times) wire transfers as well.

    Clicksor (http://www.clicksor.com)

    Clicksor will earn you as much as 60% from the amount of money your website produces. What you get is about the same as AdSense, there are targeted text ads, you can view the revenues from your website in real time. You can receive money via PayPal or through a check every two weeks, provided that you have earned more then $50. If you haven't made that much, your earning roll over to the next period

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  • Games Entertainment

    Games Entertainment

    Games are played for entertainment—sometimes purely for entertainment, sometimes for achievement or reward as well. They can be played alone, in teams, or online; by amateurs or by professionals. The players may have an audience of non-players, such as when people are entertained by watching a chess championship. On the other hand, players in a game may constitute their own audience as they take their turn to play. Often, part of the entertainment for children playing a game is deciding who will be part of their audience and who will be a player.

    Equipment varies with the game. Board games, such as Go, Monopoly or backgammon need a board and markers. One of the oldest known board games is Senet, a game played in Ancient Egypt, enjoyed by the pharaoh Tutankhamun. Card games, such as whist, poker and Bridge have long been played as evening entertainment among friends. For these games, all that is needed is a deck of playing cards. Other games, such as bingo, played with numerous strangers, have been organised to involve the participation of non-players via gambling. Many are geared for children, and can be played outdoors, including hopscotch, hide and seek, or Blind man's bluff. The list of ball games is quite extensive. It includes, for example, croquet, lawn bowling and paintball as well as many sports using various forms of balls. The options cater to a wide range of skill and fitness levels. Physical games can develop agility and competence in motor skills. Number games such as Sudoku and puzzle games like the Rubik's cube can develop mental prowess.

    Video games are played using a controller to create results on a screen. They can also be played online with participants joining in remotely. In the second half of the 20th century and in the 21st century the number of such games increased enormously, providing a wide variety of entertainment to players around the world. Video games are popular in East Asian countries such as South Korea.

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  • Bank

    A bank is a financial intermediary that accepts deposits and channels those deposits into lending activities, either directly by loaning or indirectly through capital markets. A bank links together customers that have capital deficits and customers with capital surpluses.

    Due to their importance in the financial system and influence on national economies, banks are highly regulated in most countries. Most nations have institutionalised a system known as fractional reserve banking, under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject to minimum capital requirements based on an international set of capital standards, known as the Basel Accords.

    Banking in its modern sense evolved in the 14th century in the rich cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had its roots in the ancient world. In the history of banking, a number of banking dynasties—notably the Medicis, the Fuggers, the Welsers, the Berenbergs, and the Rothschilds—have played a central role over many centuries. The oldest existing retail bank is Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank.

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