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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 federal judge has sentenced a Louisiana man to 25 years in prison for setting fires at three churches in the state in 2019.Earlier this year, Holden Matthews admitted that, between March 26 and April 4, 2019, he intentionally set fire to three churches in with predominantly Black congregations near Opelousas, Louisiana — Greater Union, Mt. Pleasant and St. Mary Baptist Churches — in an effort to raise his profile as a "Black Metal" musician by copying similar crimes committed in Norway in the 1990s.On Tuesday, Matthews was sentenced to 15 years in prison for intentional damage to religious property. He was then sentenced to 10 years in prison for a charge of using fire to commit a felony. Matthews did get 18 months credit for time already has served.The judge also asked the Bureau of Prisons to ensure he is placed in a facility near his family and that he receives substance abuse counseling and mental health treatment.Matthews was also ordered to pay restitution of 0,246 to St. Mary, 0,213.30 to Greater Union, and .1 million to Mt. Pleasant."These churches trace their origins to the post-Civil War Reconstruction period and, for generations, were a place for predominantly African American Christians to gather, pray, worship, and celebrate their faith," Assistant Attorney General Eric Dreiband said in a statement. "The churches survived for nearly 150 years but did not survive this defendant's warped act of hatred. I extend my sympathy to the victims of this defendant's arson spree, the congregants of St. Mary Baptist Church, Greater Union Baptist Church, and Mt. Pleasant Baptist Church. The Justice Department will continue vigorously to protect their right to worship and live in peace. The Justice Department stands against these acts of hate and the sentence handed down today reflects that. We will continue to protect the civil right of Americans to freedom of worship without fear of persecution.""Hate is not a Louisiana value, and decimating three historically African American churches is beyond disturbing," Louisiana Gov. John Bel Edwards said in a statement. "The same would be true of any place of worship. What Holden Matthews confessed to doing has deeply impacted many lives and threatened the sense of security of members of St. Mary Baptist Church, Greater Union Baptist Church and Mount Pleasant Baptist Church. I pray he truly understands the depth of the pain he has caused. We are all inspired by the continued strength and resilience of the pastors, congregations and community that pulled together after such terrible losses. Everyone involved in assisting in this case is to be commended for their work and commitment to seeing justice served."This story was originally published by KATC in Lafayette, Lousiana. 2780

A man managed to escape the first eruptive fury of Vesuvius in A.D. 79, only to be crushed beneath a block of stone hurled by an explosive volcanic cloud, new excavations at the site suggest.Archeologists working at the ancient Roman city of Pompeii, Italy, found the man's remains almost 2,000 years after he died.Stunning pictures from the scene show a skeleton pinned beneath the stone. The impact crushed the top of the man's body. His head might still be buried beneath the block of stone.Lesions on the skeleton's tibia are signs of a bone infection that probably hampered the man's escape attempt, archeologists said.Nonetheless, the man, who was at least 30 years old, survived the first phase of the eruption and fled along an alley, probably limping because of his infection. 793

A federal judge has dismissed adult film star Stormy Daniels' defamation lawsuit against President Donald Trump.Daniels sued Trump after he said Daniels' story of a man threatening her not to come forward with her story of her alleged affair with Trump was "a total con job."Daniels argued Trump's tweet "attacks the veracity of her account" of the incident and that Trump's statement was "false and defamatory, and that the tweet was defamation ... because it charged her with committing a serious crime," District Judge S. James Otero wrote in his opinion Monday.Trump had asked Otero to dismiss the lawsuit."The Court agrees with Mr. Trump's argument because the tweet in question constitutes 'rhetorical hyperbole' normally associated with politics and public discourse in the United States. The First Amendment protects this type of rhetorical statement," Otero wrote.Daniels says she and Trump had an affair in 2006, shortly after he married first lady Melania Trump and she gave birth to their son, Barron. Trump has denied the affair.In addition, Trump is entitled to attorney's fees, Otero said.Trump's attorney Charles J. Harder said in a statement to CNN, "No amount of spin or commentary by Stormy Daniels or her lawyer, Mr. Avenatti, can truthfully characterize today's ruling in any way other than total victory for President Trump and total defeat for Stormy Daniels.""The amount of the award for President Trump's attorneys' fees will be determined at a later date," Harder added.Daniels' attorney, Michael Avenatti, responded to the ruling on Twitter and said: "Daniels' other claims against Trump and Cohen proceed unaffected. Trump's contrary claims are as deceptive as his claims about the inauguration attendance.""We will appeal the dismissal of the defamation cause of action and are confident in a reversal," Avenatti continued. 1860

A Kansas State Men’s basketball player is in federal custody Tuesday after he was arrested by U.S. Marshals in Kansas City.K-State junior guard Amaad Wainright is facing two charges out of Johnson County, Kansas, including fleeing and eluding and obstruction of justice in connection to a road rage incident on Jan. 17, 2018 in Overland Park along Interstate 435.A police report indicates that someone fired a shot from Wainright's car.The U.S. Marshal’s Office in Kansas City said that they arrested Wainright Monday in Kansas City on a warrant out of Johnson County, Kansas.The circumstances of his arrest weren’t immediately known.Wainright is from Kansas City, Missouri.K-State Director of Athletics' Gene Taylor says Wainright has been suspended from the team.“We are aware of Amaad’s situation, and due to the seriousness of the charges he has been indefinitely suspended from our men’s basketball team per athletic department policy," Taylor said in a statement. "We take matters such as these very seriously and will re-evaluate his status as we learn more information.” 1096