Over Our Heads
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That all changed in early 2016, however, when Lazarov, now a retiree, and his neighbors realized they should unite and register as a Homeowners Association to apply for funding under a government energy efficiency program for residential buildings. Within eight months, the building was almost unrecognizable, having undergone major renovations.
While home-ownership has increased overall throughout the past few decades, there is a disproportionate number of vacant units today: many apartments have owners, but not residents. At the same time, an increasing number of people are living in slums and illegal settlements, as cash-strapped municipalities struggle to provide social housing to their most vulnerable citizens. And, much of the housing stock is old and poorly maintained, with some of it potentially vulnerable to seismic damage.
A Roma settlement in Sofia.The poorest in Bulgaria face the harshest conditions. Public expenditure in the housing sector, and especially funding targeted to lower income and vulnerable groups, is less than 2%, of the overall state budget. A significant lack of both public and private investment in low-income areas has resulted in ghettos in which low-income communities (including a high proportion of Roma households) feel marginalized from society.
To address all of these critical challenges, the Government of Bulgaria is currently developing a new National Housing Strategy, which is benefitting from technical advice and policy guidance from the World Bank, including through analysis in the report, Bulgaria: Housing Sector Assessment.
Voin Lazarov and his neighbors waited five decades to see essential improvements to their apartment building. The new National Housing Strategy should help ensure that state support should provide for more Bulgarians to act together securing an affordable, safe and secure roof over their head.
To Attend: Space is limited, so a ticket is required to attend. You can register for a ticket through January 5, 4:30pm, and pre-order a book below. Additional books will be available for purchase the night of the event. Face coverings are preferred, but not required.
In over our heads-debt burdens, bankruptcies on the rise For the typical American household, rising debt, not a rising stock market, is the big story of the 1990s. By 2001, total household debt exceeded total household disposable income by an all-time high of nearly 10%. Much of the run-up in debt occurred over the economic boom, as the ratio of debt to personal disposable income rose from 87.7% in 1992 up to 109.0% in 2001. The ratio of debt to personal income began to increase after World War II and remained at about 70% from the mid-1960s to the mid-1980s. After 1984, Americans increased their borrowing, primarily by taking on more mortgage debt.
Households in the middle of the wealth distribution saw the largest share of this run-up in debt. While low nominal interest rates have made it easier for households to carry the greatly expanded debt, many households appear to be straining. The most recent government data show that 14% of middle-income households have debt-service obligations that exceed 40% of their income; 9% have at least one bill that is more than 60 days past due. For many, the debt run-up begins from the day they exit college, as student-loan debt loads have risen substantially over the 1990s.
When British scientist Jason Chapman told us (listen to the radio piece or watch our video) there are 3 billion insects passing over your head in a summer month, he was talking about his survey in Great Britain. Closer to the equator, he says, the numbers should rise. He wouldn't be surprised, for example, that in the sky over Houston or New Orleans there could be 6 billion critters passing overhead in a month.
"Beginning in 1926, Tanglefoot-coated slides were affixed to airplanes to collect insects, with famed aviator Charles Lindbergh contributing to the data-collection effort by carrying sticky glass slides on his 1933 flight crossing the Atlantic at 2,460 to 5,410 feet and over Greenland at 7,870 to 12,135 feet."
Song:This is mental and you're all cockyYou need a bomb and we need cashThere's no free lunch, for a jackassWe'll be killed but that's okayWe're miles awayWe're comfortablePut on your happy faceWe're in over our headsWe're in over our headsThey have to cover up the tragedyAnd tell your asses you're freePlanting the seeds of a sad democracyWe're in over our headsWe're in over our headsI spot the the size of our nationAre you here or a vacation?
Over Our Heads was a novelty shop in Peekskill, New York that specialized in pop culture gifts and souvenirs among other items. Constructed on the site of the old Edna's Edibles, the shop was run and owned by Blair Warner, Jo Polniaczek, Natalie Green and Tootie Ramsey as an effort to try and preserve the former shop, but as their mentor, Edna Garrett, want to scale back her store duties, the girls took the new store into their own direction, running it for several years afterward. The reconstruction was handled by local carpenter George Burnett, who became friends of the girls, and over the years, they were joined by Edna's sister, Beverly Ann Stickle and local youth, Andy Moffett, who Beverly later adopted. Over time, the girls started moving on with their lives, and at some point, Beverly likely sold the shop. The fate of the location if it still existed is unrevealed.
But here at the Music Box Theater is that rural life displayed in its least alluring aspect, a slum full of dropouts and drug addicts, an antisocial neck of the woods, at war with the values of an encroaching housing development, which will in turn destroy the countryside that underpins the national myth. It is a world immediately recognizable to anyone who has had a brush with it, and those who have had a brush with it come to dread doing so again. The farmer who, driving a tractor into a field ready for plowing, fails to lock the gate behind him and finds, on looking over his shoulder, a train of hippy caravans coming in to squat knows that he has months of legal hassle ahead of him before he can get the intruders evicted. In the meantime his field is going to be out of action. The weekend cottager who, turning up on a Friday evening, discovers his house to have been ram-raided and stripped bare of its furniture is aware that he is just the latest of a series of victims.
In his book The Evolving Self (1982), Kegan explored human life problems from the perspective of a single process which he called meaning-making, the activity of making sense of experience through discovering and resolving problems. As he wrote, "Thus it is not that a person makes meaning, as much as that activity of being a person is the activity of meaning-making". The purpose of the book is primarily to give professional helpers (such as counselors, psychotherapists, and coaches) a broad, developmental framework for empathizing with their clients' different ways of making sense of their problems.
Kegan's next book, How the Way We Talk Can Change the Way We Work (2001), co-authored with Lisa Laskow Lahey, jettisons the theoretical framework of his earlier books The Evolving Self and In Over Our Heads and instead presents a practical method, called the immunity map, intended to help readers overcome an immunity to change. An immunity to change is the "processes of dynamic equilibrium, which, like an immune system, powerfully and mysteriously tend to keep things pretty much as they are".
The book elaborates on three concepts that the authors believe to be critical to the success of a DDO. These three concepts are what they refer to as "edge", "groove", and "home". The "edge" of a DDO is the drive of the organization to uncover weaknesses and to develop. The "groove" is the practices or "flow" of the company from day-to-day that foster development. "Home" is the supportive community within a DDO that allows people to be vulnerable and trust each other. The authors emphasize that underlying each of these parts of a DDO is the idea that adults are truly capable of continuous improvement and development. The authors also explain that for DDOs, the goals of adult development and business success are not mutually exclusive, but both ultimately become one objective.
Houston junior quarterback Greg Ward leads the nation with 16 rushing touchdowns. Ward is the only player nationally to average over 200 passing yards per game (244.4) and over 85 rushing yards per game (88.8).
John Trumbull, Autobiography, Reminiscences, and Letters(New York & London: Wiley & Putnum, 1841), 53, books.google.com/books?id=0jQGAAAAQAAJ&printsec=frontcover&dq=Autobiography,+Reminiscences,+and+Letters+of+John+Trumbull&hl=en&sa=X&ved=0ahUKEwj7u67P0IDbAhWSNd8KHcyoCtYQ6AEIKTAA. Note that John Trumbull refers to this officer as H. Sherburne, however the wounded officer in question seems to be John Samuel Sherburne.
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