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A do-it-yourself approach for home improvement projects may reduce your initial costs — but for certain jobs, the risks far outweigh any potential savings. If any of these projects are on your to-do list, call in the pros unless you’ve got plenty of related experience.1. Roof replacementRoofing is extremely hard and dangerous work. Any upfront savings you might get with a DIY roof replacement could easily be eclipsed by the costs of making expensive mistakes or causing dangerous accidents. Aside from having the skills and tools needed to do a decent job, you’ll also need to climb ladders, lift heavy materials and navigate a steeply pitched surface high above the ground. Risks include:Severe injury or death: Roofers face among the highest risks of work-related injuries and fatalities of any profession, according to the Bureau of Labor Statistics — and that’s for trained professionals. In addition to possible slips and falls from significant heights, there’s also risk of burns from hot bitumen (a petroleum-based roofing material) and electric shock from accidentally touching power lines.Warranty issues: Manufacturer warranties for roofing materials may cover workmanship for a limited time if the materials are installed by qualified contractors, but they generally don’t cover DIY installation.Costly damage: Improper material choice or installation may damage the roof — and if water leaks in, your home’s ceilings, walls, flooring, furnishings and wiring will suffer too.Cost of hiring a proRoofers charge about 0 to 0 per roofing square in addition to the cost of materials, which typically brings the total price of installing a new roof over your existing one to about ,400 to ,900, according to the home services company HomeAdvisor. Removing the old roof or repairing damage can add to that cost.In some cases, homeowners insurance might cover some or all of these expenses. Opting for less-expensive materials can also lower the bill. And if you’re installing an energy-efficient roof that meets certain criteria, you might qualify for a tax credit.2. Mold removalEveryone’s cleaned up a bit of mold at some point, and even the U.S. Environmental Protection Agency gives the green light on DIY mold removal for areas under 10 square feet. But once mold infestation becomes widespread, it might become necessary to open up walls, lift up carpeting or take out fixtures to fully remove it and clean and dry the space thoroughly. A DIY approach, in this case, means risking:Mold exposure: Contact with mold may cause asthmatic reactions, sore throat, skin reactions, allergic reactions, eye and nasal irritation, cough, wheezing, shortness of breath and other lung issues. This is especially a concern if you don’t have access to the proper protective gear. During the COVID-19 pandemic, N95 respirator masks — which offer protection from exposure to mold and other particles — have been largely unavailable for public purchase.Harsh chemical exposure: Chemical cleaners commonly used to kill mold are also harmful to lungs, eyes, nasal passages, throats and skin.Making the problem worse: Improper removal or sealing may release mold spores into the air. If spores get into HVAC systems, mold will blow throughout the house. DIYers may also miss mold lurking in unexpected places like crawl spaces or flooring, which could lead to further damage.Incomplete cleanup: Not properly cleaning up after the job may leave traces of mold behind that will just grow back again.Cost of hiring a proProfessional mold remediation generally costs about ,500 to ,150, or to per square foot, according to HomeGuide, a home services referral website.To make sure that money is well-spent, go with an experienced, well-reviewed mold remediation specialist who can do a thorough job.3. Toilet replacementTo install a new toilet, you’ll have to shut off the water; disconnect, drain and remove the old toilet; and seal and connect the new one. That’s a manageable task for someone with basic plumbing knowledge. But if you’re a DIY newbie, it’s trickier. Risks include:Injury: A toilet can weigh about 100 pounds and is awkward to handle. Homeowners may become injured lifting or carrying the toilet.Fumes: Sewage gasses are odorous, unhealthy and potentially flammable. Failing to stuff a rag in the exposed drain pipe after the old toilet is removed may expose you to dangerous fumes — especially in poorly ventilated spaces. (And forgetting to remove the rag before seating the new toilet will cause a very disturbing plumbing issue.)Toilet damage: Improper installation, overtightening connections or simply dropping the toilet may cause serious damage.Leaks and mold: If the base isn’t sealed properly, water can leak into the floor, damaging and weakening the area while creating just the right conditions for mold and mildew growth.Cost of hiring a proThe average labor cost for basic toilet installation runs between and 0, according to the services marketplace website Thumbtack, and that doesn’t include the price of the toilet. Underlying problems your plumber finds (such as leaky pipes, a cracked flange or leaky valves) can increase costs; disposing of your old toilet also runs about to 0, the site notes.If you’re installing a water-saving toilet, you might qualify for a rebate from your state, which could defray some of these costs.4. Window replacementReplacing drafty old windows can reduce your utility bills — but only if it’s done correctly. Installing a window is a meticulous process, and any mistakes may leave your home unexpectedly vulnerable to the elements. Other pitfalls include:Injury: Windows are heavy and fragile, bringing risk of injuries from broken glass and lifting. Falls from ladders are also a concern, along with harming passersby if a window falls out to the street.Poor energy efficiency: Improper fit or sealing can result in drafts, air leaks and higher energy bills.Water damage: A poor seal could allow water leaks that damage your home’s wood, drywall and even wiring.Home damage: You could accidentally hit a plumbing or electrical line.Warranty issues: Installing your own windows improperly may void all or part of the manufacturer’s warranty.Cost of hiring a proProfessional window installation usually runs between 5 to 0 per window, but can be much more expensive for high-end windows, according to Angie’s List, a website that provides referrals for home services pros. If the frame needs to be replaced, that’s extra.Choosing less-expensive materials reduces upfront costs. And if you’re switching to more energy-efficient windows that meet certain specifications and are professionally installed, you might qualify for rebates in some states.More From NerdWalletHome Inventory Tightened in Q3, and First-Time Buyers Felt the SqueezeMortgage Outlook: Rates Stay Low as December Deadlines LoomThe Property Line: 8 Housing and Mortgage Trends for 2021Roberta Pescow is a writer at NerdWallet. Email: USexpansion@nerdwallet.com. 7040

A judge on Thursday temporarily lifted a visa ban on a large number of work permits, undercutting a measure that the Trump administration says protects American jobs in a pandemic-wracked economy.U.S. District Judge Jeffrey White said his ruling applied to members of organizations that sued the administration — the U.S. Chamber of Commerce, National Association of Manufacturers, National Retail Federation, TechNet, a technology industry group, and Intrax Inc., which sponsors cultural exchanges.White, ruling in Oakland, California, said his order didn’t extend beyond those groups. But he noted they are comprised of “hundreds of thousands of American businesses of all sizes from a cross-section of economic sectors,” including Microsoft Corp. and Amazon.com Inc.Paul Hughes, an attorney for the associations, said the U.S. Chamber of Commerce alone has “more than 300,000 members of all shapes and sizes across the United States.”The injunction, which lifts the ban while the case is being litigated, is at least a temporary setback for the administration’s efforts to limit legal immigration during the coronavirus outbreak.White, who was appointed by President George W. Bush, said President Donald Trump likely acted outside bounds of his authority.The judge wrote “there must be some measure of constraint on Presidential authority in the domestic sphere in order not to render the executive an entirely monarchical power in the immigration context, an area within clear legislative prerogative.”The ban, which took effect in June and is scheduled to last until the end of this year, applies to H-1B visas, which are widely used by major American and Indian technology companies, H-2B visas for nonagricultural seasonal workers, J visas for cultural exchanges and L visas for managers and other key employees of multinational corporations.It was the second time in three days that White blocked a significant change on immigration. On Tuesday, he halted major fee increases for citizenship and other benefits three days before they were to take effect.The Homeland Security and Justice departments did not immediately respond to requests for comments Thursday night.The National Association of Manufacturers, which represents 1,400 companies, said the ruling will help with “crucial, hard-to-fill jobs to support economic recovery, growth and innovation when we most need it.”“Today’s decision is a temporary win for manufacturers committed to building that innovation in the United States,” said Linda Kelly, the group’s senior vice president and general counsel. “A long-term win for manufacturers requires policymakers to support meaningful reforms to our immigration laws that recognize the critical link between smart immigration policy and America’s competitive advantage.”With Congress and the White House deadlocked on immigration, Trump has reshaped the system on his own. The Migration Policy Institute recently catalogued more than 400 executive actions during his presidency to change policy, including border enforcement, asylum eligibility and vetting for visas.Many of Trump’s changes on immigration are being challenged in court. It is unclear how many Joe Biden would roll back if he defeats Trump in November’s election or how quickly he would act. 3285

A comedy of errors ensued when a Florida woman wanted to catch a little shut eye in a car she didn't own.According to a post on the Marion County Sheriff's Office Facebook page, a deputy responded to an auto dealership on Saturday regarding a suspicious incident and found a 62-year-old woman locked inside a car for sale on the lot. 361

A judge in Georgia has dismissed a Trump campaign lawsuit that raised concerns about a handful of absentee ballots in Chatham County.The Associated Press reports that Chatham County Superior Court Judge James Bass dismissed the lawsuit and did not provide an explanation for his decision at the close of a one-hour hearing.The lawsuit concerned 53 absentee ballots that were not part of an original batch of ballots. At the hearing, county officials testified that the ballots in question had been received on time.The decision comes as Joe Biden continues to narrow the razor-thin lead that President Donald Trump currently has in the state.Donald Trump held a 1.2% advantage in the state with 96% of the expected vote counted on Wednesday evening.As of Thursday afternoon at 3 p.m. ET, Georgia Sec. of State Brad Raffensperger's says that about 47,000 votes remained uncounted. Echoing comments made at a morning press conference, officials said they hope they will be able to finish the count by the end of the day.Trump won the state by 5% in 2016. The last time a Democrat won Georgia was in 1992 when Bill Clinton narrowly defeated George H.W. Bush by .5%. 1170

A doctored animation of Parkland shooting survivor Emma Gonzalez ripping the US Constitution in two went viral on social media after Gab, a so-called "free speech social network" that features the controversial Pepe the Frog as its account image, posted it on Twitter.The tweet gathered 1,500 retweets and 2,900 likes and only after a few hours did Gab specify the fake animation was "obviously a parody/satire."The original animation is from a Teen Vogue story released March 23 featuring Gonzalez and other teen activists, as Allure & Teen Vogue communications director Jaime Ellyn Marsanico confirmed to CNN. It shows Gonzalez ripping a target poster, not the Constitution.Teen Vogue chief content officer, Phillip Picardi, also set the record straight on Twitter:"The fact that we even have to clarify this is proof of how democracy continues to be fractured by people who manipulate and fabricate the truth," Picardi said.The most popular debunk was from Donald Moynihan, a professor at the University of Wisconsin at Madison, who said: "Just a sample of what NRA supporters are doing to teenagers who survived a massacre (real picture on the right)":However, this series of debunks did not stop the fake image from going viral, crossing platforms, websites and blogs.For example, actor Adam Baldwin, who has a verified account on Twitter, tweeted the doctored animation to his 270,000 followers. The tweet was still online at the time of writing.Over the past few weeks, Gonzalez has become the face of the #NeverAgain movement that flooded Washington, D.C. and other American cities over the weekend for the March for Our Lives rally.Her iconic speech in Washington, which included a prolonged moment of silence, is the latest in a series of appearances that made the 18-year-old a popular household name since a gunman killed 17 people on February 14 at Marjory Stoneman Douglas High School.But her gun-control activism also attracted a smear campaign and personal attacks from conservative figures and far-right fringes. 2061

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