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A major crackdown could be coming to stop those annoying robocalls. New research from YouMail--a company that developed robocall blocking software--shows each person on the country receives about 150 robocalls a year.Alex Quilici, CEO of YouMail, says these terribly annoying calls keep increasing for two reasons. "One is there are more and more scam calls. The second thing that's driving the increase is people aren't answering the phone anymore," Quilici says.Because people don’t answer their phones, it makes the robocallers place more calls, he says.It’s a problem both Democrats and Republicans can agree on.  Senators John Thune, R-South Dakota, and Ed Markey, D-Massachusetts, have proposed bipartisan legislation to increase the penalties for robocalls to ,000. They are also proposing to extend the time after a crime in which prosecutors must bring their case from one years to three years.Commercial robocalls are illegal, but the Federal Trade Commission, which is tasked with investigating and charging those who have violated the anti-Robocall federal law, has a hard time prosecuting offenders within the current one-year time limit. “If you look at the current enforcement efforts, there's been a 0 million fine and million fine that's covered people who've made 100 million robocalls or a couple hundred million robocalls. That's a drop in the bucket of the nearly 50 billion we're going to have this year,” Quilici. “It's going to take a lot more than just enforcement and some better regulation to solve the problem."Until legislation to crack down on people who make robocalls passes, Quilici suggests:  1674

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 joint statement released by federal and state officials on Thursday described last week’s presidential election as the “most secure in American history” despite calls from President Donald Trump’s campaign that the election was “stolen.”The letter was signed by leaders of the Department of Homeland Security’s Cybersecurity and Infrastructure Security Agency, the U.S. Election Assistance Commission and the National Association of State Election Directors, among others. The Cybersecurity and Infrastructure Security Agency was established two years ago as a branch of Homeland Security during the Trump administration.In bold, the authors of the statement wrote, “There is no evidence that any voting system deleted or lost votes, changed votes, or was in any way compromised.” This statement matches those from secretaries of state and boards of election throughout the US.“The November 3rd election was the most secure in American history,” the statement reads. “Right now, across the country, election officials are reviewing and double checking the entire election process prior to finalizing the result.”The group says that claims of election fraud are “unfounded.”“While we know there are many unfounded claims and opportunities for misinformation about the process of our elections, we can assure you we have the utmost confidence in the security and integrity of our elections, and you should too,” the statement read. “When you have questions, turn to elections officials as trusted voices as they administer elections.”Earlier this week, CNN among other outlets, reported that the Department of Justice, under Attorney General Bill Barr’s direction, was launching an investigation into voting irregularities. This prompted the DOJ’s top election investigator to quit in protest.Thursday’s statement comes nine days after the 2020 presidential election, which had record-breaking turnout. After four days of counting votes, Joe Biden was projected as the president-elect on Saturday after gaining a modest lead in the states of Pennsylvania and Nevada amid the final vote tabulating.While there are a few ongoing legal battles between election officials and the Trump campaign, those so far have not resulted in a significant number of votes to change to put Biden’s election victory in doubt. 2315

A consumer advocacy group is warning parents of what it calls "dangerously high" levels of a chemical called boron in popular slime toys marketed to children -- although an expert disputed the findings and said the warning is overblown.The warning was contained in the annual report by the?US Public Interest Research Group Education Fund. The "Trouble in Toyland" safety survey was published Tuesday ahead of the major holiday shopping season.The group noted "toys are safer than ever before," but that more work needs to be done to make them safer. PIRG's report highlighted the potential hazards of slime, toys with possible choking hazards and ones that could violate children's privacy by sharing data."With hundreds of new toys hitting the market every year, our survey of only 40 toys suggests there may be other potentially dangerous toys slipping through existing protections or worthy of further investigation," the group said.The group singled out six popular slime products for what it described as containing "dangerously high boron content." Boron is a nonmetallic element, and compounds of it, such as borax, have been used in products for decades, ranging from detergents to roach poison. The US PIRG Education Fund said it found that "significant concentrations of boron, as high as 4,700 parts per million (ppm) in popular slime toys.""Young kids are known to put everything in their mouths and when it comes to slime that could have serious consequences," said Adam Garber, the lead author of the report. "These high levels of boron can cause nausea, vomiting and long term reproductive health issues. Parents should closely monitor their kids when playing with this toy and call poison control if any is eaten."Garber added, "We should protect children by ensuring every package has appropriate labels moving forward and determine health-based standards to ensure children don't end up in the emergency room from their holiday gift."The United States does not have established standards on limits for boron in products. The Centers for Disease Control and Prevention says exposure to large amounts of boron -- about 30 grams of boric acid -- "over short periods of time can affect the stomach, intestines, liver, kidney, and brain and can eventually lead to death." Fatal doses for children are estimated to be 5 to 6 grams, according to the?Environmental Protection Agency.PIRG noted the European Union has a limit of 300 ppm for boron and that there should be a "full-fledged investigation to determine if limits should be established" in the US. "Policymakers should continue to evaluate new threats, such as boron, and ensure the Consumer Product Safety Commission has the funding and authority to protect the public," the report said.However, Rick Sachleben, a member of the American Chemical Society who has experience with boron, said it's important to distinguish the fact that "all forms of boron are not equally toxic." He said sodium borate, the known component used in slime, has "very low toxicity.""You'd almost have to do something beyond reason to make it toxic," he said, adding that a child would need to eat "multiple containers" before it reached toxic levels."The health risks are relatively low and can be controlled by telling your kid: 'If you eat the slime, I'm not going to buy you any more," Sachleben said.Sachleben wasn't the only one to take issue with the PIRG report.Wonder Workshop CEO Vikas Gupta told CNN that information about his company's product in the report was categorically false. The PIRG report, citing an investigation by the Mozilla Foundation, said Wonder Workshop's Dash robot "shares your information with third parties.""That is absolutely incorrect," Gupta said. "We don't collect any personal identifiable information from children, and we do not share any information from the apps or the software or robots to any third-party ever. None of that happens."Amazon, which had its Amazon Fire HD Kids Edition cited for its possible sharing of data, said the product is in full compliance with the Children's Online Privacy Protection Act. "We do not share children's data with third parties," Amazon said in a written statement.The report also said another popular toy -- the Hatchimals Fabula Forest; Hatching Egg with Interactive Tigrette -- had "no choking hazard label" in its listing on Walmart.com, although the photograph of the product has a choking warning on the front of the box.Garber said that wasn't good enough, that the "law requires online sites to provide warning labels directly on the site, not just on pictures or on the packaging, so parents are warned prior to purchase."According to PIRG, the Consumer Product Safety Commission has recalled more than 40 children's products in the last year, totaling more than 2.7 million units.Balloons cause more choking deaths among children than any other toy, according to the PIRG report. The group found three balloon packages that are either marketed to young children or are not labeled properly with choking hazard warnings.The six slime products mentioned in the report were:-- Kangaroos Original Super Cool Slime, which was found to contain "4700 ppm boron concentration. The EU limit is 300 ppm."-- Kidsco Glow in The Dark Slime with "4600 ppm boron concentration."-- Toysmith Jupiter Juice Slime with "1900 ppm boron concentration."-- iBaseToy Fluffy Slime with "1500 ppm boron concentration."-- Haniex Soft Magic Crystal Slime with "1400 ppm boron concentration."-- Meland Fluffy Slime with "1100 ppm boron concentration."Garber said 5 grams of boron could prove fatal for a child, although "health impacts with boron appear at much lower levels" than that. He acknowledged "you'd likely have to ingest multiple containers to reach the fatal level" of boron, but he doesn't believe that should be the standard. 5896

A child in Galion, Ohio tested positive for meth on Sunday, just hours after trick or treating in the small town located between Columbus and Cleveland, WBNS-TV reported. According to the Galion Police, the boy is expected to make a full recovery after suffering a seizure. The boy reportedly was sickened after playing with fake teeth that were given to him while trick or treating. The boy's father reportedly said that the boy only had a few pieces of candy before getting sick. The Galion Police has not confirmed how the boy became sick from meth, and an investigation is underway. In the meantime, the police department has issued a warning to its residents. "We encourage parents to thoroughly check any candy your children may have received before they eat it," the Galion Police Department said. An expert on Halloween sadism, Joel Best, has previously said that intentional tainting of trick or treat candy is generally rare.“There is this fear out there, and it is terribly overblown,” Best said. “They are worried that some maniac will hand them a contaminated treat, and I can’t find any evidence that has ever resulted to a death or serious injury.” 1201