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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 Brooklyn woman whose racist, profanity-laced tirade on the New York subway was captured on video this week has been charged with felony assault after she struck a fellow passenger, authorities said.The dispute between Anna Lushchinskaya, a 40-year-old white woman, and the 24-year-old passenger, a woman of Asian descent, began after Lushchinskaya bumped into the woman early Tuesday, the New York Police Department told CNN.Lushchinskaya yelled profanities at the victim on the northbound D train, hitting her with an umbrella and keys, the NYPD said. On video captured by witnesses, Lushchinskaya can be heard calling the woman a racial slur.Lushchinskaya was apprehended at the 36th Street Station and arrested, the NYPD said.CNN could not reach Lushchinskaya or her attorneys for comment Friday.Lushchinskaya was arraigned in Kings County Criminal Court following the incident, according to Brooklyn District Attorney spokesperson Oren Yaniv. She pleaded not guilty and posted ,000 cash bond, according to court records.She is due back in court January 22.The victim suffered cuts to her face, the NYPD said. She told CNN affiliate WABC, which said she wanted to remain anonymous, that she was grateful people intervened.A 30-year old good Samaritan suffered scratches when he intervened, the NYPD said.Several subway riders captured the tirade on video. The incident has since been viewed by millions of people on social media.The video shows the woman yelling profanities at the victim and calling another rider "retarded.""F*** off," Lushchinskaya allegedly said several times before striking the victim with her hand.She then took off her sunglasses and gloves, pulled her hair back and took her umbrella and keys from her bag, according to the video. Then, she began kicking the woman, who defended herself.Passengers intervened, trying to restrain Lushchinskaya, and told her to stop. One person threatened to call the police.The video shows Lushchinskaya striking the woman several times with her umbrella and her keys and again kicking her."She's not even fighting you back," one person is heard saying.At least two subway riders tried to wrestle the umbrella away.Lushchinskaya is seen spitting in the direction of the victim before yelling more profanity and a racial slur.Juan Ayala, who was filming the incident, said he decided to intervene, but Lushchinskaya lashed out at him. A video posted by another user shows Ayala talking to Lushchinskaya."Do not spit at me," Ayala says in the video, to which Lushchinskaya replies, "What are you, her attorney? F***ing Mohammed."The subway car erupts in a gasp and Ayala gives his reply: "What? B****, I'm Dominican!"Fellow subway riders protested. "Your white privilege ain't working over here," one man is heard saying.The victim told WABC she felt lucky the woman didn't have a weapon like a gun or a knife "because it could have got a lot worse.""I'm lucky that people were on the train who were helping me, especially the first Asian guy who stood in front of me right away because he wasn't recording. He just stood in front of me to help me, because I know other people were recording, but their recording didn't do anything until later on when it escalated," she said.This is Lushchinskaya's second arrest this year for a subway altercation -- both took place at the 36th Street Station in Brooklyn. In June, she was arrested for allegedly pepper spraying a man and woman, according to DCPI detective Sophia Mason. Both were Hispanic. She was charged with harassment, menacing with a weapon and attempted assault. 3593
A Howard County, Maryland fire fighter and first responder wasn’t even working when he risked his own life to save another. Ryan Glenn said it was just instinct. Glenn said he was driving along The Chesapeake Bay Bridge when he saw a man threatening to jump. “I saw the gentleman standing on the railing and he was on the railing holding on to the guardrail,” said Glenn.At it’s center, The Chesapeake Bay Bridge is 180 feet, a dizzying height for anyone. Glenn was off duty, happened to be on the bridge and jumped in to help.“I said hey, there’s a lot of people who care about you. Let’s not do this, come down and talk. I’m here for you, I care about you,” Glenn told the distraught man.With the help of two other off duty officers, who just happened to be on the bridge as well, Glenn began the negotiating.“I managed to get closer and closer to him and probably about two feet away from him, I said, just take my hand and let’s get you down from here.”But that’s not what happened. “He looks down at the water and looked at me again and then he did the unthinkable. He went from the railing of the bridge to a cross member I-beam type of material on the bridge and jumped on it. At that point, he was just holding on by his grip and his feet were dangling over the water” remembered Glenn.As a trained professional, Glenn was comfortable risking his own life to save another.“At that point, all three of us, it was just like instinct, all three of us, reached over the railing and grabbed him and pulled him over,” Glenn said.“You’re conditioned to it, if you see something wrong, we run to the problem, we try to fix things.”The man was taken to safety and then to the hospital for treatment. 1758
A child had just moments to escape a carjacking when a thief jumped in the vehicle and sped off from a Detroit gas station, police say. According to Detroit Police, the female driver went inside the store to pay for gas. The suspect then entered the gold 2004 Pontiac Montana, and the 7-year-old girl barely managed to jump out of the minivan. Watch the surveillance video below: 402
A Kent State University graduate is getting national attention after she posed with a long gun in a graduation photo.Kaitlin Bennett, founder of Liberty Hangout at Kent State, posed with an AR-10 strapped to her back in her graduation photos. She also decorated her graduation cap with a gun and the words "COME AND TAKE IT." 338