Why ordinary Americans are prohibited from building and renovating their own homes

[putnam6]

Hi DI!


Lots of questions. Answer them to me, a Russian, please.

Thank you.

Life is full of give and take, one has to wonder which country has more home fires from substandard wiring practices.

For perspective, Russia in 2020 had 8313 fire deaths while the US had 3500 fire deaths with over double the population, China for perspective had 1183 fire deaths with 9 times the Russian population.

The number of Russian fire deaths per 100,000 is 5 times the American fire deaths per 100,000 next closest country is Ukraine at 4 per, guess the electric apple doesn't fall too far from the tree.

All of this with the Russian home mortgage rate thats how high? No wonder the Vladimirs and Ivans of Russia are trying to jerry-rig their home electrical systems, they can't afford to have them professionally installed or repaired.

Sberbank, Russia's largest mortgage lender, has raised mortgage rates for the second time in a month, to more than 28%.
Source: The Moscow Times
Details: From 15 November, the rates increased by 3.5 percentage points, resulting in new indicators: the minimum rate in the secondary market is now 28.1%, while in the primary market it is 28.4%. Overall, Sberbank mortgage rates have risen by 7.4% since the beginning of October

https://ctif.org/sites/default/files/202...27_ESG.pdf








Lastly pretty sure some homeowners insurance coverage becomes invalid if you don't have your electrical system and wiring up to code.

While Ive run the basic outlet switches and lights, ceiling fans, recessed lighting, and added a breaker in basement remodels, with no issues I usually leave the appliances to the professionals. 

When we had our hot tub installed, I felt much better we had its breaker box done professionally total charge 600 bucks