Small business owners who are in urgent need of money or need access to a short-term capital can use their credit card sales as a means for funding. A merchant cash advance (MCA) also popularly known as credit card receivable funding is a quick and efficient way of getting small-dollar business funding. It is not a loan, but instead an advance based on the credit card sales of a small business. A business applying for a merchant cash advance can be assured of having the money deposited in their account fairly quickly. The way merchant cash advance works are that an agreement is made between a small business and a MCA provider. The agreement highlights the advance amount, the payback amount, and the holdback percentage. After the agreement is made by both parties, the advance is deposited in the bank account of the small business. The MCA provider will receive a percentage of receivables or credit card receipts in exchange. Every day, a certain percentage of the credit card receipts or “holdback” will be set aside to pay back the merchant cash advance. The payment will be made continuously on a daily basis until the entire advance amount has been paid. Since the repayment depends on the daily revenues, the number of the transaction a business makes, the faster the advance can be repaid. However, if there are very few transactions in a day, the amount that will roll into the merchant account will also be less. The major advantage with such a set up is that a small business can obtain instant cash without having to keep a collateral for a traditional business loan. Merchant cash providers often scrutinize your influx of credit card payments before approving your advance. Providers will look at your daily credit card receipts to assess your ability to repay the advance on time. If you are planning on taking a merchant cash advance, make sure you are thorough about the terms and conditions involved as well as the ROI you may get.

We are not called ‘generation next’ without reason. Technology is something we live with. Imagine a day without a smartphone or a laptop or without the Internet; almost unimaginable, right? We use technology for a lot of things—checking emails, social media, connecting with people, etc. Among all of these, gaming is also something that a lot of people have taken to, big time. And while there are some brands like Asus, Acer, HP, Sony, and Dell laptops that offer some great options in gaming, a few things you need to keep in mind before purchasing one are:

• Graphics: A good graphics processing unit (GPU) is of utmost importance here. Nvidia is the latest in the GPU gaming scene. Some brands like HP, Acer, Asus, and Dell laptops come endowed with Nvidia.
• Display size: In the case of a gaming laptop, size does matter and a minimum of a 15-inch screen size would be ideal to enjoy a good gaming experience. The market also has laptops with a screen size of 17-inches, but that would be too much bulk to carry around, considering this is a laptop and not a desktop. Brands like Asus, HP, Acer and Dell laptops offer you wonderful screens with a 15-inch size option.
• SSD is the way to go: Also known as the solid-state storage device, SSDs were rather steeply priced in the past. Today, however, an SSD has become pretty affordable. From boot time to the time taken to launch a game, an SSD boosts the overall speed and performance of your laptop.
• Don’t forget the memory: A minimum 8GB RAM is essential for a gaming laptop. This will ensure your laptop doesn’t hang and runs smoothly while gaming. While you will find a few options with an 8GB RAM in Dell laptops, brands like HP and Acer offer you a higher memory option of around 16GB.

Our pick of the top five models for a fantastic gaming experience is Alienware 17 R4 (2017), Origin EON17-X 10 Series, Dell Inspiron 15 7000 Gaming, Asus ROG Zephyrus (GX501VI), and HP Omen 17.

Appliances are typically hot-selling on Black Friday, and this year is no exception. Shoppers can find excellent bargains on name-brand items at shops such as Amazon, Best Buy, and Home Depot, whether they want to upgrade an old appliance or add to their collection. Here’s a list of what was on offer last year and what you can expect this time. Read on to learn about Black Friday deals on refrigerators, ovens, coffee machines, and more. Refrigerators Samsung's Black Friday sale will let you save approximately $150 or even more! You can get a price match guarantee at Best Buy on some of the models of the brand or even shop on other third-party websites. You could also make use of LG's Black Friday sale on the French Door Smart Wi-Fi Enabled refrigerator to save about $500. Also keep an eye out and get a price match guarantee of $2,099.99 at Best Buy. Dishwashers Take advantage of the expected Black Friday price on Samsung's StormWashTM to save $100 and get a price match guarantee at Best Buy. The GE Adora Dishwasher 120-Volt with 3rd Rack and 48 dBA might be on sale for $899, a $100 savings off the regular price of $999 at Home Depot. Ovens Best Buy's Black Friday sale price for Whirlpool's Freestanding Electric Convection Oven with Self-High Heat Cleaning Method - Stainless steel is expected to be $989.99. If you're looking for a new oven, consider the Farberware microwave, that could be priced around $71.99 at Kohl’s. This holiday season, you could get the KitchenAid Digital oven with no flip air fryer for $189 instead of the regular price of $219.99. Washers and dryers Take advantage of LG's Black Friday sale on top load washers. Stores like Best Buy could save you approximately $120 and offer a price match guarantee. If you're looking for a new washer, the LG Front Load Washer with Steam and 6 Motion Technology could be $200 down at Best Buy. If you're looking for a new dryer, the Whirlpool White Electric Dryer is anticipated to be $70 off on Black Friday. Vacuum cleaners The Eufy HomeVac S11 Handstick Vacuum Cleaner promises to run for up to 40 minutes before needing to be recharged. It is likely to be discounted to $50.00, as it was last year. Small appliances This Black Friday, Target could have the Keurig K-Classic Single-Serve K-Cup Pod Coffee Maker - K50 for $99.99. If you’re someone on a tight budget, the Mr. Coffee Iced Coffee Maker with 22oz Reusable Tumbler and Coffee Filter will not disappoint. It might cost $24.99 at Target after discount. You can also check out the Auto IQ blender, which might be available at a discounted rate at Target. For a more affordable option, the mini NutriBullet juicer is designed for convenient, everyday use and might be available at Kohl's for $71.99 as a part of Black Friday deals. The powerful Ninja Juicer Pro with Cold Press Technology allows you to create the perfect juice experience and could be available for $129.99 at Kohl's. The KitchenAid Variable Speed Corded Hand blender is a wonderful Black Friday bargain, at Kohl's. Last year, it was available for $39.99, and the same is expected this year. According to Google, the Nest smart thermostat lets you regulate the temperature from your phone. This year, it is predicted to cost around $99.99 after discount. According to previous years' trends, the Amazon Echo Show 5 (2^nd Gen) is projected to sell for $44.99 on Black Friday on Amazon. The Levoit ultrasonic humidifier has dual temperature control, and Amazon could be selling it for $76.49 this Black Friday.

3 important elements to master the art of photography Photography is nothing short of an art form, which is why understanding the basics before you can even think of buying a professional grade camera for practice is essential. The right equipment, coupled with the right set of skills will help you go a long way and maybe one day even enable you to make a living out of taking pictures and auctioning or selling it to stock photo agencies. The concepts of camera and photo basics are applicable for still as well as digital photography. A Digital Single Lens Reflex or DSLR camera is the best and basic equipment in professional photography to get started with the basic camera and photo concepts. Three very important points to understand while taking a picture include the shutter speed, aperture, and ISO (light sensitivity). Shutter speed

• The shutter speed refers to the movement of shutter elements in a professional grade camera that allows you to capture different types of images.
• It refers to the time taken by the shutter to open and shut, allowing the light to fall on camera sensors for the image to be created.
• Low shutter speed and high shutter speed images can be achieved by moderating the shutter snap. The concept behind shutter speed is quite simple, the longer the duration of which shutter remains open, more is the time allowed for light to enter and create the image on sensors and vice versa.
• High shutter speed will allow photographers to capture high-speed images, like a race car or any fast moving object without the image getting blurred.
• Low-speed shutter imaging allows for standard photography, with the universal shutter speed set at 60 which is 1/60th of a second to capture the image.

Aperture

• While shutter speed controls the duration for which light can enter, aperture controls the amount of light which is permitted on the sensors. This will determine whether the captured image is too bright or too dark, depending on the aperture settings.
• Aperture has to be adjusted according to different lighting conditions to capture a perfectly created image, which is not too bright or dark without compromising any of the elements within the frame.
• Aperture also controls the depth of field which also modulates the foreground and background objects composed within the frame.
• Higher the aperture setting more will be the depth of field allowing decreased focus on a particular object and vice versa.
• A shallower depth of field will allow more focus on the foreground objects, by blurring the background.

ISO

• Also referred to as light sensitivity, the ISO is adjusted keeping in mind shutter speed and aperture to determine the perfect exposure for any image.
• In simple terms, the sensor will not be very sensitive to light with a low ISO number as opposed to a higher number that indicates high sensitivity.

When shutter speed, ISO, and aperture are all combined, the exposure levels can be modified with ease to find the perfect balance between all colors. It takes a considerable amount of time and practice to find the right balance between all three after understanding the theory of all camera and photo concepts. It is also important to understand the composition of any camera and photo shot since what will be included within the frame will determine aspects like shutter speed, aperture, and ISO settings after the proper white balance has been done. White balance is done to produce true RGB colors for the image by calibrating the camera settings to pure white color composition preset. The composition also depends on camera and photo concepts like rule of thirds, looking direction, head room, nose room and distance from the object you want to capture. This will again depend on the type of object or type of landscape you want to capture in your frame and composition.

Counter depth refrigerators add a defined style and elegance to our kitchens. All major retailers have stocked various brands and styles of counter depth refrigerators in their stores. But are all counter depth refrigerators same? The answer is no. Counter depth refrigerators vary with sizes, styles, and models. Pros and cons of a counter depth refrigerator Counter depth refrigerators are the first choice of consumers at large. The term counter depth can be quite misleading, as all counter depth come with different dimensions. Before deciding to buy one, let us understand the pros and cons that are associated with any counter depth refrigerator. Pros

• Built-in look A seamless kitchen, where everything including a refrigerator fits-in to the T, is perfect. The reason behind the popularity of counter depth refrigerator is its uniform look. The fact that your refrigerator is aligned with the countertop gives a nice feel to the kitchen.
• Accessible All the drawers and shelves are placed at a height to eliminate unnecessary bending. The advantage of a counter depth refrigerator is its easy accessibility. Food items stored at the back is easy to retrieve without having to dig around.
• Choices Counter depth refrigerators have all types of styles to choose from, like standard, side-by-side, French door and bottom freezer. Of course, while choices are galore, dimensions matter.
• Easy flow There can be traffic of sorts in the kitchen area if the refrigerator is too close to the island or is protruding outside. But the same cannot be said for a counter depth refrigerator, as it matches very neatly with the kitchen cabinets without any hinges hanging out.
• Organized The door bins are wider and longer to store maximum things of any size, which is missing in a standard refrigerator. This keeps food organized and easier to locate.

Cons

• Replacement If buying a counter depth refrigerator as a replacement for your old refrigerator, then one has to be certain about the height, depth, and width of the area where the refrigerator has to be placed. A counter depth refrigerator requires enough depth to fit in.
• Less freezer space Though the counter depth refrigerator gives more storage room in the refrigerator section, it compromises on the freezer space to compensate. Whatever type of freezer, one selects, be it top mounted or bottom mounted; the freezer space is less compared to the refrigerator.
• Clearance Whether the door opens either way or it is a 2-door counter depth refrigerator, it will require certain clearance from either side to open wide. Any cabinets nearby can cause hindrance and trouble opening the doors.
• Crisper drawers While crisper drawers are a good feature to keep fruits and vegetables fresh, they are shorter and smaller. Accommodating bigger and bulkier foodstuff like celery or watermelon can be a challenging task.
• Lack of coordination The problem with counter depth refrigerators is their uneven sizes. At times because of a space crunch in old houses, either they are smaller than standard units or they lack depth if they are wide enough. Either way, a buyer has to compromise on many fronts.
• French doors Some buyers do not find the idea of French doors reasonable. To get one food item, they have to open both the doors, which can waste energy and leaks cold air.

Investing in a counter depth refrigerator is a long-term decision. Weigh the pros and cons before you think of buying one. While space is an important factor that determines which type of refrigerator is ideal for you, there are other considerations like features and area clearance too, that matters. Investing in a counter depth refrigerator is more like having a functional space than mere cubic feet.

Dell laptops are expensive but are top tier in terms of industry standards. They have large screens, awesome processing capabilities, and last longer than other laptops. Dell laptops are known to be more durable and withstand the test of time. Getting a good deal on laptops can be difficult, especially if you're on a budget. If you always look for a way to get discounts or stellar deals on laptops and similar devices, then Dell might be a good option. They have various purchasing programs, and even have a store where they sell factory-refurbished laptops. This means you can buy your favorite laptops at a fraction of the market price! Plus, since they're coming from Dell, some of them are backed with sufficient warranty and can be exchanged or replaced if there are any defects. If you're looking for some of the best Dell laptop deals, look no further. Here are the top 3 Dell laptop deals for techies. Dell Inspiron 11 Celeron Dual 12 Laptop: Sponsored by Dell Consumer, Dell Home is now offering its premium PC, the Dell Inspiron 11 3000 Series 3162 Intel Celeron for a fraction of the price. You can get this deal through its membership programs. You get an Intel Celeron N3060 processor, a 11.6-inch screen display, and the laptop comes in a Bali Blue color. The shipping is free, and Dell Inspiron 11 is touted as one of the best high-end laptops in the market. You'll be getting a bargain at only $178, which is practically throwaway pricing! Refurb Dell Latitude E7440 Laptops: If you're planning on purchasing from Dell's online refurbished store for laptops, then the Dell Latitude E7440 series can be a great choice. You can use Dell coupon codes available on their official website for refurbished deals. These come with a 100 day user warranty. Refurbished laptop deals are better than second hand laptops or used laptops. They are more reliable, but the best part is that these come from the company Dell itself. Prices start at $419 for their refurbished offers and it includes free shipping too. Dell Inspiron 15 Kaby Lake i15 Dual 16 Laptop: Offered by Dell Small Business, the Dell Inspiron 15 Kaby Lake is a dual 15.6-inch laptop. It has an Intel Kaby Lake Core i5 processor which clocks at 2.5Ghz. The cost is $449 USD but the price can further be lowered by using coupon codes from the official Dell store website. You get a MacAfee 12-month subscription, a backlit keyboard, and a 720p hi-res screen display. The laptop comes bundled with 8GB RAM which is sufficient for running most tasks. The storage is 1TB, which is enough for most users. The laptop comes with a copy of Windows 10, a 64-bit operating system which is top of the line and industry standard.