Author Archives: Yami

How to Manage Household Expenses Tips

The ongoing COVID-19 pandemic has led to economic disruptions and soaring prices for many goods and services. Here are some tips for managing household expenses during these challenging times:

Photo by Kenny Eliason on Unsplash

Create a budget

Identify your essential expenses and prioritize them. Use budgeting tools to keep track of your spending and make adjustments as needed.

Cut back on non-essential expenses

Look for ways to save money on things like entertainment, dining out, and other discretionary expenses.

Shop around for deals

Compare prices for groceries and other essentials at different stores and online. Take advantage of sales and discounts when possible.

Maximize government assistance

Many governments have introduced financial assistance programs for households affected by the pandemic. Look into what is available in your area and consider applying for any benefits for which you may be eligible.

Look for ways to increase income

Consider taking on part-time or freelance work, or starting a small business if feasible.

Seek help if needed

Don’t hesitate to reach out to family, friends, or community organizations for support if you’re struggling financially.

It’s important to remember that these are difficult times for many people, and it’s okay to ask for help or make changes to your lifestyle in order to get by.

Effective Ways to Stop Ransomware Websites

There are several ways to protect your computer from ransomware. These include blocking pop-ups, disabling ActiveX, and disabling macros. If these methods fail, you should seek professional cybersecurity assistance. These services can help you recover your systems and data faster. You should also be aware that some ransomware strains can spread to other networked devices.

Blocking Pop-Ups

Blocking pop-ups to stop ransomware websites is a simple yet powerful technique to protect your computer. Adware and malware create fake pop-ups to entice users to visit malicious websites. The pop-ups can be annoying or even malicious. They are also used to trick users into clicking on bogus links.

Photo by Philipp Katzenberger on Unsplash

Fortunately, most browsers have built-in pop-up blockers that prevent these pop-ups from interfering with your web browsing experience. Pop-up blockers can be turned on and off to suit your preferences. Most pop-ups are ads and malware, but some sites need to display them for proper functioning. You can find pop-up blockers in your browser’s privacy and site permissions sections.

Adware is a form of malware that can be easily removed. Pop-ups are also standard on many unsecured websites, and malicious adware can use them to spread its malicious code. In 2015, hackers even targeted Yahoo to spread malware through advertisements.

Disabling Macros

Disabling macros is one way to stop ransomware website or protect your computer from ransomware. You can do this by adjusting your Microsoft Office settings to disable them. In the Trust Center, click the “Stop malicious macros” option. You can disable all macros or disable digitally signed macros in the Trust Center settings. If you do not know which file is malicious, you can contact Microsoft Support to receive guidance on protecting your PC.

If you disable macros, malware will not be able to download and execute files. Typically, a warning pop-up will appear to tell you why. It will also explain scenarios where malware could be downloaded and how you could regain access to the files. If you don’t want to disable macros, press the “Enable” button in the warning banner.

Disabling ActiveX

If you want to avoid a ransomware website, disabling ActiveX is your best bet. ActiveX is a technology that extends the functionality of your web browser. It can include browser toolbars, document viewer plugins, and other add-ons. These components are often used by malicious programs to embed themselves into your system. SpyHunter’s ActiveX blocker detects and blocks these malicious programs. It has a comprehensive list of ActiveX objects, updated regularly by the SpyHunter team. If you see one of these objects on a malicious website, the tool will automatically block it.

While this method can block the ransomware website, it won’t stop the malware. The ActiveX component is essential for modern websites but can also be exploited by malicious software. It is the source of most spyware and web viruses.

Educating Users

One of the best ways to stop ransomware attacks is to educate users about their risks. For example, users should not click on unsolicited links or attachments. They should also never download any software from an unknown source. Instead, they should use only trusted websites, such as those that display a lock icon in the address bar.

It’s also crucial to consider the impact a ransomware attack could have on the communications systems of schools. Since schools often maintain large amounts of data, they are prime targets for ransomware. Once the malware has locked down data, the attackers will demand a ransom to release it. If victims fail to pay, they may publicly disclose the encrypted data.

Using Anti-Malware Software

Anti-malware software is an effective way to protect your PC from ransomware and other malicious software. These programs use three strategies to protect your system: sandboxing, virus protection, and malware detection. Sandboxing helps limit access to unknown email attachments and Internet resources. It also prevents unauthorized file access and terminates unauthorized files. Anti-malware software prevents malware by detecting advanced malware and preventing it from infecting your system.

Ransomware can be challenging to detect without the use of anti-malware software. Luckily, ransomware protection tools are relatively easy to install and work in the background with minimal impact on your system’s performance. These tools also help you protect your files by detecting and decrypting ransomware in real time. Using these tools will help you recover any files that have been hacked, and they can even roll back your entire hard drive to a pre-attack state.

Graphika Manila’s Featured Artist

My daughter’s artwork got featured by Graphika Manila three times: 2018, 2020, and 2022.


I’m so proud of what she has become as a young child who dreams of becoming an artist one day. She is now working as a graphic artist in an advertising company. Keep up the great job, anak!

What You Need to Know About Cash Advances

Almost everyone I know has experienced financial hardships one way or another, and with the pandemic going on, it’s got to be one of the bigger issues that people have, which is understandable and nothing to be ashamed of.  

One of the most important things when it comes to preparing for financial troubles, is learning how to budget. I like to think that I’ve got budgeting down pat, but there have been times where something comes up unexpectedly and I learn that we really don’t have that much money saved for emergencies, which has happened more than once or twice. On one instance, one of us had a health issue that required a lot of money, and it just so happened that we were strapped for cash at the time. Seeing as this was a time sensitive issue, we had to come up with something fast.

Photo by Sharon McCutcheon on Unsplash

Luckily, a close friend of ours suggested we take a cash advance, and while I’ve heard about it in the past, I’ve never really had prior experience with getting one. So I did my research before we got one. Here’s some of the information that everyone should know.


We should start by defining what cash advances are. Simply put, Cash advances are an easy way to get funding fast, they are basically short term loans that are usually offered by banks, or other lenders. Alternatively, your credit card issuer can also provide cash advances which allows you to withdraw a certain amount of cash. It’s worth noting that taking out cash advances means that it comes with its own fees and interest rates.

How exactly do cash advances work? It’s basically the same as borrowing money. The only difference being that cash advances generally provide you with cash a lot quicker than other types of loans, which is part of the appeal of cash advances.


  • Credit Cards Cash Advances

 Cash advances mainly come from credit cards, and it’s what most people associate it with. When you take advances out of credit cards, there is always a limit to how much you can take out, usually half of your purchase limit. 

With credit cards, the interest rates are often higher, meaning you will always pay more than what you initially take. Additionally, you should be aware that some credit card issuers will impose transaction fees.

  • Payday Loans

You might have seen Payday loans and Cash advances used interchangeably, but they do have some differences. True to its name, Payday loans are short term loans that require you to pay back by your next payday. Conversely, the amount of money the lender can extend is based on how much you earn. 

When compared to Credit card cash advances, payday loans come with higher interest fees attached to it.

  • Business Cash Advance

If you are a small business owner, and you’re having some financial difficulties, then a Business Cash Advance (or alternatively, a Merchant Cash Advance) is what you’re looking for. These are perfect if you’re looking to cover immediate expenses. In return for the lent cash, the lender requires you to allot a certain percentage of your monthly sales until the initial loan is paid off. 



  • Hassle free 

The best thing about cash advances is that it’s convenient and quick. Everyone can take out a cash advance, as long as you can quickly pay it back, so you can minimize racking up the interest fees. 

  • Flexibility

There are multiple ways to get a cash advance, you can just choose which is the most convenient to you. You can withdraw them from an ATM, and some issuers will even let you withdraw cash advances in person, as well as convenience checks.

  • Fast Funding

You can get cash quickly with cash advances, they’re especially helpful for small purchases, or for any other concerns. You can’t always tell when there’s going to be an emergency, and sometimes you don’t always have cash on you at all times. They can be a lifesaver at times.

  • Doesn’t Affect your Credit Score

Most of the time, your cash advances will only show up in your bank statement as cash withdrawals, and not as loans. On the other hand, If you have a habit of taking out cash advances, but are not good at paying it back quickly, you can rack up some debt, which in turn will really hurt your credit score. 


  • Initial Fees

In the case of Credit Card Cash Advances, you can always expect for there to be charges when taking money out, this may be a cash advance fee, which could go anywhere from 2% – 5% of the withdrawal, and there’s also some withdrawal fees when taking cash advances from banks. They may not be that substantial, but they certainly do add up.

  • High Interest Rates

A drawback that turns most people off from making cash advances are the high interest fees. On average, they can go anywhere from 22% to 30%, depending on your location, of course. 

  • No Grace Periods

In addition to the previous point, there is no interest-free grace period when it comes to cash advances, which means that you are starting to be charged with the interest rate the moment that you take out that advance, so keep that in mind.


The idea of using cash advances, while definitely exciting, you should still give it some thought on what you use it for. Before you dive in and get one, make sure you do your research and weigh out all your pros and cons. If you can, try to only use it in case of extreme emergencies.

If you think Cash advances aren’t your thing, there are always other alternatives to get funds quickly. It’s a good idea to think of your other options before taking out a cash advance, but if you do, make sure that you can pay it off quickly.

The Benefits of Using Wooden Deck Tiles

There are many benefits of using wood deck tiles, from durability to antimicrobial properties. But how do you choose the best ones? Here are a few things to consider. Read on to learn more. Besides their durability, they are also easy to install and offer other benefits. The main advantage of using wooden deck tiles is their low maintenance. This makes them an excellent choice for the deck of your home.

Photo by Im3rd Media on Unsplash


When choosing the best wood for your wooden deck tiles, there are several factors to consider. They are available in various wood species and come in multiple colors and tones. They feel soft underfoot and reflect natural beauty and warmth. Most good-quality wooden deck tiles are made from exotic hardwoods, denser and finer-grained than other types of wood. They are also more resistant to insect damage than different types of wood.

Unlike other decking materials, wood deck tiles are easy to install and durable. They snap into place, which is convenient for people who are not handy. Additionally, wood deck tiles are aesthetically pleasing and resistant to termites, mildew, and decay. They are also waterproof, perfect for boats, sauna rooms, and balconies. These tiles can also be used as door mats or floor coverings in homes and businesses.

Resistant to rot

Using a wood deck tile will ensure the longevity of your outdoor space. While the weight of each tile isn’t secured to the floor, the entire set will not move unless the tiles are stacked together. Likewise, they can be cleaned using traditional deck cleaning methods. Wood products, however, do require routine maintenance and periodic power washing. IPE: IPE is an exotic hardwood that is naturally resistant to rot. Ipe is eight times harder than California redwood. When used on a wooden deck, ipe tiles are resistant to rot and last for decades—the wood ages to a silvery gray patina. In addition, Ipe wood can be treated with a penetrating wood sealant to help maintain the golden color.

Antimicrobial properties

Using various methods to evaluate the antimicrobial properties of wooden deck tiles, researchers can determine the safety of the wood. Several types of tests are used to measure the concentration of active compounds, determine how the materials vary from each other, and identify factors that affect antimicrobial behavior. In addition, they can also select the effect of different treatments and disinfectants on wood. But which tests should be used? Composite wood is made from a combination of wood flour and polymer resins. It resists rot and other harmful organisms and is available in several colors. Most wood deck tiles are treated with fungicides and insecticides. As a result, they do not expand or contract significantly in temperature changes, which prevents mold and mildew development. These tiles also look like natural wood and come in various finishes ranging from traditional to modern.

Easy to install

Installing wooden deck tiles is easy, provided you know a few things. To begin, determine where the tiles will go. You can cut each tile to fit using a hand saw, but a jig saw with a carbide-tipped blade is best. Next, cut tiles no less than three inches wide but not less than the width of a single panel. Finally, cut along the edge of the tile to make it easier to reinstall.

To determine the size of tiles required, you will want to take measurements. Most tiles are 1 square foot, so you should order extras to compensate for oddly shaped areas and damaged tiles. As a general rule of thumb, you should contain about 10 percent more than you measure, and you should make sure to account for the border. Once you know the size of your deck, you can calculate the number of tiles required for the area and order accordingly.

Flexible design

While many traditionally used solid wood deck tiles in many decking applications, more recent innovations have made it possible to connect individual tiles using an integral plastic base. These interlocking wood deck tiles also feature a flexible design to be laid over many different surfaces, including grass and concrete. However, wood decking products are sensitive to contact with surface water, which could bend and twist the wood pieces. Integral plastic bases solve this problem by lifting the wood off the surface and enabling them to be connected.

Wood deck tiles can be installed directly onto the ground, screwed onto joists, or on height-adjustable PVC rider pedestals. These are easy to install and can mimic any other type of deck. Moreover, they are highly resistant to mildew, decay, and termites, so they are ideal for areas where harsh weather conditions are expected. Finally, the flexible design of these tiles allows you to create any design you desire.