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Inside a Historic Pacific Heights Manor
Immortalized in print as âthe most iconic mansion in San Francisco,â this regal late-19th-century residence features Georgian glamour, contemporary luxuries, and a wealth of spaces ideal for fabulous fĂŞtes or quiet private moments.
In the late 19th centuryâa time when women could not own property in San FranciscoâPhiladelphia art collector Sarah Spooner migrated to the West Coast city undaunted, drawn by its numerous charms. She chose a site then outside the city limits, at the top of a level hill in what today is prestigious Pacific Heights and where the sweeping vista was truly breathtaking.
Continue reading Inside a Historic Pacific Heights Manor at Sotheby´s International Realty | Blog.
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Get Happier Meditationâs FREE Mindful Menopause Guide
Honestly, itâs hard to believe Iâm at the age for perimenopause. I feel young in many ways, despite the exhaustion of parenting two young kids. And Iâve always felt somewhat eternal, doing whatever I want to do at any age, without regard for what other people think or believe.
But here I amâforty-five, dealing with all kinds of hormone-related symptoms, including brain fog, mood swings, and most recently, anemia from heavy bleeding.
I havenât yet experienced most of the physical issues that plague many women at midlife, like hot flashes (fun!), sleep disturbances, and weight gain. But Iâm deep enough into the start of the change to recognize that I need a plan and tools to navigate this new chapter without losing myself or my mind.
Thatâs why I was thrilled to learn that Happier Meditation recently partnered with mindfulness expert Diane Winston to create The Mindful Menopause Guideâa free resource designed to help you move through this transition with more clarity, steadiness, and self-compassion.
Inside, youâll find:
- Guided mindfulness sessions tailored for menopause
- Personal notes from Diana Winston on navigating change
- Reflective prompts to help you connect with yourself
- Meditation practices to support stress, sleep, and emotional balance
People donât always want to talk about menopause. It can feel embarrassing, and itâs a confession of aging, which society tends to view negativelyâdespite it being inevitable for many and clearly better than the alternative!
None of us wants to be seen as weak, deteriorating, or less than. But avoiding the conversation just makes us feel more alone, and it prevents us from getting what we need to thrive as we age, which I fully intend to do.
If youâd like to do the sameâif youâre determined to embrace your changing body and reclaim your calm and confidence as you navigate the emotional rollercoaster of your shifting hormonesâI highly recommend that you check out The Mindful Menopause Guide. Itâs totally free and absolutely invaluable.
We canât change what weâre going through, but we can choose to meet it mindfully to reduce stress and feel more at home in our bodies.
I hope the guide is helpful to you!
About Lori Deschene
Lori Deschene is the founder of Tiny Buddha. She started the site after struggling with depression, bulimia, c-PTSD, and toxic shame so she could recycle her former pain into something useful and inspire others to do the same. You can find her books, including Tiny Buddhaâs Gratitude Journal and Tiny Buddhaâs Worry Journal, here and learn more about her eCourse, Recreate Your Life Story, if youâre ready to transform your life and become the person you want to be.
Get in the conversation! Click here to leave a comment on the site.
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The Cost of New Creative Directors
In the efforts to attract new audiences and stay relevant in an evolving luxury market, creative directors are often tasked with rebranding renowned fashion houses. While this injects a fresh perspective to a Maison and opens the opportunity for profits, it can also be something of a double-edged sword that could chip away at the âtrue essenceâ of the founderâs heritage, shifting the focus from legacy to trend-driven appeal. As designers reinterpret brand histories through selective eras or aesthetics, the risk of diluting tradition grows, leaving fashion giants in a constant cycle of balancing reinvention at the expense of authenticity.
Rise of the âRebrandingâ Era
The luxury fashion industry operates at a crossroads â where heritage and reinvention are constantly at odds. Previous years have seen the former appointments of visionary creative directors like Alessandro Michele at Gucci and Hedi Slimane at Saint Laurent illustrating how the industry (or rather their conglomerates) prioritises a bold, contemporary overhaul to captivate new audiences. Micheleâs maximalist, vintage-inspired take propelled Gucci to fresh cultural relevance, while Slimaneâs Saint Laurent fixated on the rock-and-roll aesthetic â sidelining other aspects of Yves Saint Laurentâs legacy. These shifts may generate buzz and financial success, but they often leave behind the nuanced, multifaceted heritage of the original founders.
Yves Saint Laurent was pivotal in shaping the 1960s mod era, introducing sharp tailoring, A-line silhouettes and clean, architectural lines that were more refined than the grunge-heavy Saint Laurent of today. His designs for women, like the 1966 Le Smoking tuxedo and safari jackets, embodied a forward-thinking modernity that was bold yet elegant. During his tenure, Slimane cemented the brandâs reputation as the go-to for skinny jeans, biker jackets and indie-rock aesthetics, largely omitting Saint Laurentâs more refined innovations. His version of Saint Laurent became synonymous with punk and youth subcultures, but at the cost of other dimensions of the brandâs heritage. Hedi Slimaneâs interpretation of Saint Laurentâs legacy prioritised the brandâs rock-and-roll persona, but this narrow lens overlooks the full breadth of Yves Saint Laurentâs innovative fashion â from the renowned le smoking tuxedo jacket to his embrace of global inspirations. In focusing on one chapter, the brand lost the richness of its founderâs multidimensional story.
Similarly, it was McQueenâs dramatic silhouettes, controversial narratives and conceptual runway showcases inspired by historical events, personal struggles or macabre fairy tales â that challenged fashion norms. When Sarah Burton took over as creative director, she carried on McQueenâs craftsmanship but steered the brand toward a more wearable, commercially palatable aesthetic. While her designs retained McQueenâs appreciation for intricate details and couture-level execution, they lacked the raw, provocative edge that made his work so distinctive.
Despite this, Burtonâs McQueen was successful, and her tenure was marked by technically brilliant designs. However, it was arguably tamer, prioritising elegance over shock value. Now, with Sean McGirr taking over, there is speculation about whether McQueenâs original daring spirit will return or if the brand will continue down a more âcommercialâ path. That being said, having a collection with âcommercialâ appeal is not necessarily a bad thing as evidenced by the success of Sarah Burtonâs tenure and Maria Grazia Churi at Dior.
The Fine Line Between Evolution and Erasure
Maintaining a brandâs DNA while catering to modern audiences is an increasingly delicate balancing act. At Dior, Maria Grazia Chiuriâs feminist-driven collections have reshaped the houseâs identity, infusing it with new cultural relevance â but at the expense of the romantic, architectural silhouettes that once defined Christian Diorâs vision. Similarly, Virginie Viardâs Chanel leans into the ease of wearability, yet risks diluting the theatrical craftsmanship that Karl Lagerfeld cemented as the brandâs modern identity. The challenge for these brands is not just about staying relevant but ensuring that reinvention does not come at the cost of heritage.
Under Lagerfeld, Chanel experienced immense commercial success, yet his embrace of casual wear â T-shirts and even menswear â diverted the focus from the intricate, artistic side of Chanel that had made the brand a symbol of Parisian haute couture. Virginie Viardâs tenure has been marked by a softer, more approachable aesthetic that feels safe compared to Lagerfeldâs daring creations. While this has resonated with some consumers, it is also seen by some as less âgroundbreakingâ, losing the edge that Chanel once had.
Kim Jones â who draws inspiration from Christian Diorâs life and eccentricities â has successfully reinterpreted the brandâs legacy, offering a modern, gender-fluid perspective without losing its spirit. His Dior Men collections introduce layers of personal connection to the founder, giving consumers a deeper emotional bond to the brand. By referencing Diorâs life and eccentricities, Jones invites consumers to connect with the history of the brand on a deeper, more personal level. This adds layers to the designs and gives the collections emotional depth, rather than presenting them as mere reinventions of past glories. It enriches the brand narrative without losing its identity. Jones does not simply replicate Diorâs designs or ideas but reinterprets them, reflecting how the houseâs rich history can be recontextualised in todayâs fashion landscape. For example, he may reference Diorâs passion for gardens or the iconic New Look but adapts them with a modern, sometimes gender-fluid, sensibility that speaks to a new generation of luxury consumers.
Demna arguably played a huge role in transforming the Maison into a cultural phenomenon but was at times criticised for not successfully bridging his approach with CristĂłbal Balenciagaâs original vision. His designs include everything from dystopian aesthetics and meme-worthy footwear (like the sock sneaker and Crocs collaborations) to provocative ad campaigns. Despite the contrast, Demna has echoed Balenciagaâs original craftsmanship in some ways. His tailoring â particularly in structured coats and draped dresses â nods to CristĂłbalâs technical genius. However, his prioritisation of branding, streetwear and shock value has, at times, overshadowed this aspect.
Unlike many other luxury houses, Louis Vuitton has managed to modernise while remaining true to its origins. Founded in 1854 as a trunk-making company, Louis Vuittonâs DNA remains deeply embedded in its roots of travel. While creative directors like Marc Jacobs, Kim Jones, Virgil Abloh and now Pharrell Williams have introduced contemporary elements, the brandâs core identity â luxury travel â remains intact. Its iconic monogram, steamer trunks and travel-inspired accessories continue to be a cornerstone of its identity.
Unlike Saint Laurent or Balenciaga â which have undergone extreme transformations â Louis Vuittonâs evolution has been more seamless. Even with streetwear collaborations and experimental designs, its heritage as a trunkmaker and its commitment to artisanal craftsmanship remain central.
What Comes Next: The Future of Fashionâs Heritage Houses
As fashion moves into a new era of creative leadership, questions arise about whether heritage brands will continue reshaping their pasts or if the industry will see a return to their founding principles. Matthieu Blazyâs Chanel and Jonathan Andersonâs potential move to Dior Men could redefine house codes with a fresh perspective, while Alessandro Micheleâs Valentino may pay closer homage to Valentino Garavaniâs original elegance. On the other hand, history has proven that some of fashionâs most admired rebrands â from John Gallianoâs extravagant Dior to Hedi Slimaneâs singular take on YSL â had little resemblance to their foundersâ original visions.
As it stands, Demnaâs tenure at Balenciaga is at an end and he is moving to Gucci. Donatella Versace is stepping down from her role as creative director. Jack McCollough and Lazaro Hernandez â the visionary duo behind Proenza Schouler â are set to succeed Jonathan Anderson as LOEWEâs new creative directors. Matthieu Blazy moves to Chanel while Glenn Martens makes a move to Maison Margiela. Louise Trotter will be at the helm of Bottega Veneta while Michael Rider is at Celine and Simone Bellotti is Jil Sander. Jonathan Anderson is rumoured to be heading to Dior as roles in Fendi and Balenciaga are still open. As the fashion industry continue on its game of musical chairs, these brands will face tough decisions about how to evolve while maintaining their original identities.
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The post The Cost of New Creative Directors appeared first on LUXUO.
How Much Does Debt Settlement Really Save?
Struggling with debt isnât easy, especially when thereâs not a clear path forward. Many people see a light at the end of the tunnel with a debt settlement program, though â and indeed, these programs can hold a lot of promise. Three-quarters of participants are able to settle their debt for less than they owe, according to industry stats.
When you work with a debt settlement (or debt relief) company, you build up money in a savings account that the company then uses to try to reach a deal (or settlement) with your creditors. If you havenât already, the companies will likely recommend that you stop making regular payments to your creditors to help build leverage for these negotiations.
But how much does it actually save when you take everything into account? And how long does it really take? Since each individual debt is negotiated separately over a period of time, itâs natural to want to know the total cost and benefit. Letâs get into the numbers.
Average settlement timeline: 4 years total
The time it takes to complete a debt settlement program varies from person to person, depending on a few factors:
- How much total debt you have: Debt settlement companies usually start trying to negotiate a settlement once youâve saved up around 20% of the balance you owe on a particular debt. Larger debts tend to take longer to save up for.
- What type of settlement offer you accept: If youâre willing to work on a payment plan with the creditor or take out a loan to cover the settlement amount, you may be able to settle your debts quicker than if you wait for a single lump-sum settlement offer.
- How many accounts you enroll in the program: The more debts you have, the more time itâll take since each debt is negotiated one at a time. The average customer usually enrolls around seven different debts.
- How diligent you are about making your program deposits: The debt settlement company will recommend a monthly deposit amount when you sign up with their program. But you are ultimately in control of making the deposits (and you maintain control of the money in the account, too). If you make all of these deposits on time, youâll see quicker results.
- How willing your creditors are to negotiate a settlement offer: Some creditors are more open to negotiating than others. A few creditors arenât willing to negotiate at all.
In general, most debt settlement customers will receive their first settlement offer within four or five months. (The best debt settlement companies may be able to deliver quicker, though. You should ask debt relief companies how long it will take for your settlements to start before you sign up.) From there, the company will work one by one on each debt you enrolled until theyâre either all settled or your creditors have refused to negotiate. It takes about four years for most people to reach this point.
Average account settlement amount after company fees: 32%
Each creditor is unique when it comes to their willingness to negotiate with the debt settlement company youâve hired.
In general, the average settlement offer is for about half of what you first owed. After accounting for the debt settlement companyâs fees, this number drops to an average savings of 32%.
Not all debts can be settled, though. One out of every four debt settlement customers arenât able to settle any debts. And there are other costs that arenât taken into account here, which weâll get into more below.
Average debt settlement fee: $762 per debt
By law, debt settlement companies arenât allowed to charge you any fees until youâve accepted the terms of any settlement offers they bring to the table. That means if you donât accept any settlements they negotiate, then you wonât owe any money â at least not to the company itself.
Luckily, most people do get more than one settlement offer, though. And for each debt, you can expect debt settlement companies to charge between 15% and 25% of the enrolled debt. In 2022, the average fee for each successfully settled debt was $762, which represented 17% of the total settlement amount, according to the AADR.
You donât need to worry about coming up with this payment amount all at once, though. Debt settlement companies will include their fees in the monthly program deposit amount, and then they take their fees out of your program savings account when you give them the thumbs-up on any settlement offers they propose.
Other costs
Debt settlement companies can only charge you one fee â the settlement fee, after youâve agreed to any offers â but that doesnât mean itâs the only cost youâll pay. You should also factor in these possible expenses:
- Taxes: You may owe income taxes on the forgiven balances.
- Legal fees: Creditors can sue you for non-payment rather than negotiate. If so, you may face legal costs to defend yourself and/or any judgments against you. Some debt relief companies partner with legal firms to help with this and include the cost of legal coverage in their program fees, while others may charge extra for this service. Be sure you understand what support, if any, the company youâre signing up with can provide.
- Credit damage: Debt settlement almost always requires missing payments, and that delinquency can hurt your credit score. While it is a temporary drop, it can make denials more likely when you apply for new credit elsewhere, or you may have to pay higher interest charges or other fees if you are approved.
- Late fees and interest: Creditors continue to charge interest on the debts youâre not paying while youâre in the program, and they may tack on late fees and penalties, too. That causes account balances to grow by an average of $494, or 12% of the original amount, industry statistics show. This may not add any additional costs if you can reach a successful settlement. But if there are accounts without a settlement, you will have to pay these fees.
- Program savings account fees: You canât choose the bank where your savings account is held, and most of these partner banks charge you $5 to $10 per month. If you stick with the program for four years, as most people do, thatâs up to $480 in extra charges.
Average savings after all debts are included: 18%
The actual costs of debt settlement have many moving parts, so letâs use data from a 2021 industry report to break them down more directly.
The average debt relief client enrolled a total of $27,756 and was able to come to an agreement on $17,032 worth of that debt with their creditors. The typical settlement amount on that sum was $8,365, saving $8,667 in the process. Thatâs a huge savings, but you still have to factor in the costs.
The debt settlement companies themselves charged a fee of $3,225, on average. It took 36 months to settle this particular batch of debt, which would have meant $360 in extra charges from the required savings account.
By the time the dust settled, the average debt settlement client actually saved $5,082, or 30% off of the debt they were able to settle. But since they werenât able to successfully settle all their debts, the actual number was smaller â only a 18% savings on all of the debt that they entered the program with.
This savings rate still does not capture any interest or penalties that may have accumulated on the unsettled debt or any taxes paid on the forgiven amount. A family earning the median income in 2021 paid a tax rate of 12%, which would have increased their tax liability by about $1,000.
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