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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 huge fundraiser to support both students and historically black colleges and universities has decided to go virtual this year. United Negro College Fund says now, more than ever, help is needed to not only keep students applying, but to keep them enrolled in school.Even as a kid, Velvet Gunn was always singing, dancing, writing and painting. She owes that support to her mom, who she says would let Velvet follow her every whim. “She’s extremely happy that I got my degree but also that I’m getting paid for my art!” Gunn said.Gunn calls herself a "creative freelancer." “I taught theater for 10 years, I paint, I sing, wherever my creativity brings me, I do graphic art, I do web design," Gunn said. But, getting to where she is today wasn't easy. “When I went to college or was deciding to go to college I knew I wanted to do something in the arts, I had the talent and the determination, but I didn’t have the money," Gunn said.She had her eye on Lane College in Jackson, Tennessee. They were going to give her just the right amount of money for her to attend. Things were going well, until her junior year when she ran out of money. “I went on the website, I had heard of UNCF before but I had never gone on the site until my junior year. And they saved me. It was so easy, it was personal," Gunn said.Right on time, the funding came in and Velvet was able to graduate. Now, she uses her degree to support herself and her art. Brian Bridges, Vice President of Research and Member Engagement at the United Negro College Fund says stories like Velvet's are what drive the organization to continuously look for support. Since 1944, the organization has helped over 500,000 students get an education, and raised over billion dollars for students and colleges.“To hear some of these students, their testimonials sometimes, teary eyed, telling stories how they wouldn’t have gone to college without the UNCF scholarship or how they didn’t have an idea where their life might have gone or given the background they came from this would be transformative simply because of the scholarship UNCF gave them," Bridges said.UNCF surveyed more than 5,000 students across their member institutions to understand how the pandemic was affecting them. The results were disheartening. “Over half said their financial stability had declined during COVID-19, 40 percent said mental well-being had declined and those were 2 and 3 times more likely to want to transfer to be closer to home to help their family,” said Bridges.And he says, while some reported mental improvement, their responses said otherwise. "Those stories are heartbreaking. 'I don’t know where my next meal is from, everyone in my household is unemployed, I’ve had to take on 50 hours of work in a hospital rife with COVID and it’s a mental strain on me.'”The organization's annual Walk for Education is one of the many fundraisers that supports students. This September 19th, the walk will be virtual. They're urging people to participate any way they can.“Whether they want to walk, run, walk, bike, dance, we encourage any type of activity along with the support that would come with that in order to participate in the walk and be supportive of UNCF," said Bridges.He says he wants people to know that all the money they raise goes to support students and the schools they attend. That money supported students like Velvet, who says she'll do anything for UNCF.“Every time UNCF has something or is needing someone I’m like 'let me know, I will scream to the heavens and let people know about what you all do,'" Gunn said. 3593

A judge ruled Tuesday the City of Omaha must release a video showing the death of a TV crewman during a shootout at Wendy's in 2014.Bryce Dion, a sound mixer on a shoot at a Wendy's in Omaha for the reality TV show "Cops," was shot and killed Aug. 26, 2014, after Omaha Police returned fire on a man who shot a pellet gun at officers. Officers were called to the restaurant on a report of a robbery.In the video, someone could be heard repeatedly asking, "Bryce, are you alright?" He can be seen slumped against a glass wall in the vestibule of the restaurant.Dion was wearing a bulletproof vest, but was hit with a bullet under his armpit. The suspect, Cortez Washington, who was using an airsoft pellet gun, was also killed.In 2016, Dion's brother, Trevor Dion, filed a wrongful death lawsuit against the city, which had asked a Douglas County District judge to bar the release of the video, according to the Omaha World-Herald. The lawsuit says Dion was doing as instructed when he was hit by gunfire from an Omaha police officer.“Bryce positioned himself where told, when told, and acted in accord with police officer instructions. The perpetrator drew what appeared to be a pistol, but proved to be a pellet gun that simulated discharge. Police responded with live rounds of ammunition. They shot and killed the perpetrator. As they did so, they also shot and killed Bryce who was positioned as directed between at least one police officer who arrived at the scene belatedly, other police officers, and the perpetrator.”Brian Jorde, Dion's attorney, says he plans to use the video and other evidence at trial. The proceedings are expected to begin sometime after July."There's approximately 20 bullet holes just near the area of where Mr. Dion was alone so there's a significant amount of gunfire that was exchanged," Jorde said. "We think the public deserves to know what happens when their taxpayer dollars are at work with the police and otherwise. And I think it sheds light on exactly what happened and that Mr. Dion was caught in the line of the crossfire through no fault of his own."Omaha City Attorney Paul Kratz said the city played the video in court Tuesday to support its motion for the case to be dismissed."The city presented the video to the court in support of its motion for summary judgment, and we believe the video will support that motion," Kratz said when reached by phone Tuesday night. 2468

A Detroit police officer who was recorded punching a naked woman at a Detroit hospital has been suspended with pay pending an investigation.According to Detroit Police Chief James Craig, the Wayne County Prosecutor's Office has also started a criminal investigation into the officer's use of force.The incident started with a call around 6:45 p.m. local time on Wednesday. When officers arrived, they saw a naked woman on the street. Officers put her in a police car and took her to Detroit Receiving Hospital. According to Craig, the woman was not agitated during the entire ride to the hospital, and officers were able to cover her up. Craig said the officers did not handcuff her.Once at the hospital, the woman threatened hospital staff and security staff, spit on several employees, bit a security officer twice and tried to bite another police officer.Craig says an officer struck the woman several times, ignoring the Detroit Police Department's de-escalation tactics."The suspect had her back turned but the officer continued to punch," Craig said. "We have grave concerns for the officer's action."The department is investigating the incident, on top of the prosecutor's office, and they are in the process of downloading body camera videos. According to Craig, the officer is an 18-year veteran of the force, is a corporal, and has a good record. He hasn't had a complaint since 2015 and not does not have a "category one use of force incident"— when a use of force incident results in injury.The woman was treated for minor injuries at the hospital and had some minor contusions but is in stable condition.Officers have interviewed several hospital staff, but are in the process of trying to locate the person who took the video showing the use of force.According to Craig, the officer did undergo their mental health and emotional survival training twice in 2016 and once in 2015. He said the department has "above average" training when it comes to people who have a mental illness. 2018

A hippopotamus attacked and killed a tourist in Kenya over the weekend, the Kenya Wildlife Service (KWS) said in a tweet Sunday.The attack took place Saturday evening at Lake Naivasha, about 58 miles from the Kenyan capital of Nairobi. Chang Ming Chuang, 65, was with a colleague taking pictures of the hippo on the shores of the lake when the animal attacked.Chuang was taken to the Naivasha District Hospital, where he was pronounced dead. Chuang's colleague, Wu Peng Te, 62, survived the attack with minor bruises and is recovering at the Naivasha Sopa Resort, the wildlife service said. KWS is tracking the hippo.The KWS identified the victim as a Chinese tourist. Taiwan's foreign ministry has since confirmed that the two tourists involved in the attack were from the self-governed island. 803