Who says your couch can’t match your sweater?
Aileen Kwun NEW YORK TIMES
Clare Vivier, founder of Clare V., a Los Angeles handbag and apparel company with a playful Francophile twist, is no stranger to collaborations.
Among her first was with Mike D of the Beastie Boys, a mutual friend with whom she made her first men’s capsule collection, in 2016, inspired by his need for a simple card wallet (to replace his makeshift rubber band). Vivier has since expanded beyond leather and soft goods to create eyewear with Caddis and Garrett Leight; bicycles with Linus; limited-edition drops with Mother Denim, Tracksmith, Westerlind and Racquet magazine; and graphic prints with Framebridge, to name just a few. Clare V.’s team approximates the brand has produced nearly 100 collaborations to date. Most recently, the brand created apparel for the Carlyle hotel and a set of tees in support of Kamala Harris’ presidential campaign, both of which promptly sold out.
“I’ve always loved doing collabs,” Vivier said. “It’s also a way for us to test new categories.”
Now Vivier, 53, is releasing her first furniture and lighting design collection with the home goods company Schoolhouse, featuring a familiar set of patterns, textures and colors drawn from her signature palette.
There are 20 pieces in all, making the collection the largest collaborative release for Schoolhouse to date. It’s also something of a departure from the American heritage look Schoolhouse has embodied since
U.S. mortgage rates fall further, stoking housing optimism
Alex Perry
BLOOMBERG NEWS
Mortgage rates continued their decline, hitting the lowest level since early February 2023.
The average for a 30-year, fixed loan was 6.09 percent, down from 6.2 percent last week, Freddie Mac said in a statement Thursday.
Borrowing costs have fallen significantly in recent weeks in anticipation of interest-rate cuts by the Federal Reserve. The central bank announced a half-point reduction on Wednesday and signaled more to come to support the economy. Any immediate impact on the housing market, however, should be minimal because expectations of the Fed’s move have long been priced into mortgage rates.
Still, many brokers and housing experts see reason for optimism and are counting on loan costs to fall further over time. That eventually would bring more buyers and sellers into a market that’s been starved for inventory and coming off its worst spring selling season in more than a decade.
High prices and a shortage of desirable listings have continued to sideline buyers. Closed purchases of previously owned homes fell in August to the slowest pace since October, the National Association of Realtors reported Thursday. The median sales price rose 3.1 percent from a year earlier to $416,700, the highest for any August in the group’s data.
Autumn is traditionally a slower time for the housing market, when prices ease and listings tend to linger, according to Danielle Hale, chief economist for Realtor.com. With mortgage rates already so much lower than they were a few months ago, some house hunters may decide that now is a good time to find a deal before the market gets more crowded.
At the current 30-year average, the monthly payment on a $600,000 loan would be $3,632. That’s down from $4,081 that borrowers would have paid in early May, when rates reached 7.22 percent.
FRANK ROTHENBERG / VIA THE NEW YORK TIMES
JASON
Clare Vivier, the founder of Clare V., with items from the first collaboration between fashion house Clare V. and home goods company Schoolhouse. “I’ve always loved doing collabs,” said Vivier. “It’s also a way for us to test new categories.”
its 2003 start as a purveyor of deadstock lighting and, in following years, a broad range of home goods largely manufactured on site in Portland, Oregon. Clare V.’s collection is also the brand’s first with a fashion designer. Items in the collaboration in-
clude a cotton-twill upholstered sofa in bold, oversized camel and black stripes, and another in emerald, cream or navy velvet. Cylindrical floor and table lamps feature a perforated sheet metal exterior, and shaded steel sconces are coated in a palette of
persimmon, ecru and deep forest green acrylics. There are also patterned rugs and pillows featuring checkerboard and the enlarged two-tone jaguar spots that Vivier has revisited season after season.
The commingling between fashion and interior design is nothing new, but the industries have increasingly become close bedfellows. For its spring 2023 show, Bottega Veneta commissioned its candy-colored cast-resin runway set from the legendary furniture designer Gaetano Pesce. Louis Vuitton, Hermès, Loewe and Prada carry established presences with splashy presentations and events at Milan Design Week, a leading event in the interior industry. Rick Owens and Virgil Abloh have produced furniture collections, and the luxury mega-retailer Ssense carries a mix of furniture, glassware, home decor and more under the catchall category of “everything else.”
“Everything we sell has a function, and you can’t find anything in our assortment that’s just purely decorative,” said Melissa Miller, general manager of Schoolhouse and a self-avowed fan who owns eight Clare V. handbags.
Vivier’s team had reached out to Schoolhouse to start a conversation, Miller said, and was met with enthusiasm, even as the designer pushed the brand beyond its usual comfort zone for cozy, vintage-inflected Americana in muted, neutral tones. “I don’t know if I would have felt the permission to offer an animal-print rug,” she said. “It came together in a way I didn’t expect.” Vivier, who began her company as a new mother and a blogger in 2008, has long cultivated a dedi-
cated fan base with an accessible online presence, which has since evolved into a robust following on Instagram, TikTok and a Substack newsletter, La Vie de Clare V. But Vivier, ultimately in the business of creating items worn on the body, stresses her love of print and all things tactile. “There’s always this ‘high-touch’ aspect to Clare V.,” Vivier said. Her team often creates custom fonts redrawn from snapshots of old signs from her frequent trips to France, where her husband is from, and evokes the typography of French New Wave cinema of the 1960s and ’70s. She is a flea market hound, a lover of ’70s decor and a collector of deadstock textiles and trimmings, some of which make their way into her designs and at her brick-and-mortar stores, such as her location in Amagansett, New York — one of the brand’s 14 shops — where she upholstered a plywood daybed herself.
Preparing for the Clare V. sample sale in downtown Los Angeles — an annual event since 2014 that her dedicated following considers an event on the level of the Super Bowl, drawing thousands from all over, and a sweepstakes contest for airfare and a two-night stay to attend — Vivier has transformed her West Hollywood store into a living room furnished with her Schoolhouse designs.
“I love home decor,” Vivier said. Fashion is “my language, my self-expression, but I love that interiors can be an extension of that and how you want to live.” •••
This article originally appeared in The New York Times.
ThedeadlinetofileforRealPropertytaxreliefandexemptionsforthe2025tax year is September 30, 2024.
Eligibleresidentsnotcurrentlyreceivingahomeexemptionmayapplytoreducethe nettaxablevalueoftheirhome.Requirementsincludeoccupyingthepropertyas yourprincipalhomeforover270daysofthecalendaryearandfilingthe2023 Hawaiiincometaxreturn(formN-11)withareportedaddresswithintheCountyof Kaua‘i.Additionally,avalidHawaiidriver’slicense,StateID,greencard,ormilitary orders indicating residency within the County of Kaua‘i is also required.
OtherexemptionsorreliefprogramswiththeSeptember30,2024deadline include:
• Propertyownerswhoaredeaf,blind,totallydisabled,orveteranswith disabilities (less than 80% disability)
• Totally disabled veterans (certified as 80%-100% disabled by the VA)
• Nonprofit organizations
• Low and moderate-income housing projects
• Homes with a safe room
• Kuleana
• Owner-occupants with a combined gross household income of $106,200 or less
• Long term affordable rental
• Home preservation tax limitation
Toqualifyfortaxrelieforanexemption,thedocumentbywhichthepropertywas acquired(deed,lease,agreementofsale,etc.)mustberecordedattheBureauof ConveyancesbySeptember30,2024.Knowyourtaxmapkey(TMK)numberto expeditetheprocessofapplyingfortaxrelieforanexemptionwiththeReal Property Assessments office.
Achangeinownershiporuse,suchasthesaleorrentaloftheproperty,voidsthe exemptionandmustbereportedtotheassessorwithin30days.Failuretonotify theassessorofthechangesubjectstheclaimanttobacktaxesandacivilpenalty for each year that the change remains unreported.
ExemptionandtaxreliefformsareavailableattheRealPropertyAssessments office,4444RiceSt.,SuiteA-454,Lihue,Kauai,Hawaii96766oronlineat www.kauaipropertytax.com .Someformscanbesubmittedonlineat https://connect.kauai.gov .Formoreinformation,call(808)241-4224oremail rpassessment@kauai.gov (TGI1468356 9/18, 9/20/24)
NOTICE OF PUBLIC HEARING
APPLICATION OF HAWAII GAS FOR APPROVAL OF RATE INCREASES AND REVISED RATE SCHEDULES AND RULES.
Docket No. 2024-0158
TheSTATEOFHAWAIIPUBLICUTILITESCOMISSION(“Commission”), pursuanttoHawaiiRevisedStatues(“HRS”)§§269-12and269-16,HEREBY GIVESNOTICEthatitwillholdapublichearingregardingHawaiiGas’(the “Company”)requestforarateincrease,asstatedinitsApplicationforApprovalof RateIncreasesandRevisedRateSchedulesandRules(“Application”)filedon July 26, 2024. The public hearing will be held on: Friday, October 4, 2024, at 5:00 p.m.
Lihue State Office Building Conference Room 209 A, B & C 1680 Haleukana Street Lihue, Hawaii 96766
HawaiiGasisapublicutilitythatprovidesgasservicetoapproximately 36,000customersontheislandsofOahu,Hawaii,Kauai,Maui,Molokai,and Lanai.TheCompany’soperationsincludethepurchase,production,transmission, distribution,andsaleofnaturalgastoresidential,commercial,andindustrial customers.
OnJuly26,2024,HawaiiGasfileditsApplicationrequestingatotalrevenue increaseof$24.346million,oranapproximately17.67%increaseoverrevenueat currenteffectiverates.TheCompanyfurtherseeksapprovalofafairrateofreturn of9.05%onratebase,revisionstoitsrateschedulesandrules,andapprovalof twotariffriders.Underitsproposal,HawaiiGaswouldrecoverupgradecoststoits bareandcoatedsteelreplacementprogramsthroughitsMainUpgradeProgram (“MUP”)Rider.IncrementalannualincreasestotheCompany’sinsurance premiumswouldbeaddressedbytheInsurancePremiumRecovery(“IPR”)Rider. By island, Hawaii Gas’ proposed revenue increases are as follows:
TheCommissionwillinvestigatewhetherHawaiiGas’proposedreliefisjust andreasonable.Theforegoingisabriefsummaryoftherequestsincludedin theApplication.CopiesoftheApplicationareavailableforpublicreviewthrough theCommission’selectronicCaseandDocumentManagementSystem,accessible athttps://hpuc.my.site.com/cdms/s/search,DocketNumber2024-0158.In addition,copiesoftheApplicationarealsoavailableforreviewbycontacting theCommission’sHonoluluOffice[(808)586-2020],KauaiDistrictOffice[(808) 274-3232], or the Division of Consumer Advocacy [(808) 586-2800].
Allinterestedpersonsareinvitedtoattendthepublichearingtostatetheir viewsonHawaiiGas’Application.Anypersonmayrequestanauxiliaryaid/service oranaccommodationduetoadisabilitybycontractingtheCommissionnolater than5businessdayspriortothehearingdate.Requestsmadeasearlyaspossible have a greater likelihood of being fulfilled. Statementsmayalsobee-mailedtothePublicUtilitiesCommissionat puc@hawaii.gov ormailedtothePublicUtilitiesCommission,465SouthKing Street,Room103,Honolulu,Hawaii96813.Allwrittenstatementsshouldreference DocketNo.2024-0158.MotionstoInterveneorParticipateinthisproceeding shallcomplywithsubchapter4,RulesofPracticeandProcedureBeforethePublic UtilitiesCommission,HawaiiAdministrativeRules,Title16,Chapter601.Amotion tointerveneorparticipateinthisproceedingshallbefiledwiththeCommission’s Honolulu Office by November 8, 2024.
Leodoloff R. Asuncion, Jr. Chair
OBLIGATIONREFUNDINGBONDSOFTHECOUNTYOFKAUA‘IFORTHE PURPOSEOFREFUNDINGCERTAINOUTSTANDINGGENERALOBLIGATION BONDS;FIXINGORAUTHORIZINGTHEFIXINGOFTHEFORM,
AUTHORIZINGTHETAKINGOFOTHERACTIONSRELATINGTOTHEISSUANCE ANDSALEOFTHEREFUNDINGBONDSANDTHERETIREMENTOFTHE BONDS TO BE REFUNDED
CERTIFICATE OF THE COUNTY CLERK IherebycertifythatBillNo.2927wasadoptedonsecondandfinalreadingbythe CounciloftheCountyofKaua‘iatitsmeetingheldonSeptember11,2024,bythe following vote: FOR ADOPTION: Bulosan, Carvalho, Cowden, DeCosta, Kagawa, Kuali‘i, Rapozo
7, AGAINST ADOPTION: None
0, EXCUSED & NOT VOTING: None
0, RECUSED & NOT VOTING: None
0, approvedbytheMayoronSeptember13,2024,andnowhastheeffectoflawas Ordinance No. 1161.
Lihu‘e, Hawai‘i /s/ Jade K. Fountain-Tanigawa September 16, 2024 County Clerk, County of Kaua‘i (TGI1468578 9/20/24)
NOTICEOFMORTGAGEE’SINTENTIONTOFORECLOSUREUNDERNONJUDICIALPOWEROFSALE.NoticeisHerebyGiven pursuanttoHawaii RevisedStatutes§667-61through§667-65andPurchaseMoneyMortgage, SecurityAgreement,andFinancingStatementwith (SeeSchedule“1”), as Mortgagor,dated (SeeSchedule“1”), recordedintheBureauof ConveyancesoftheStateofHawaiiasDocumentNo. (SeeSchedule“1”) , thatamortgagelienexistsagainsteachoftheVacationOwnershipInterests identifiedon (Schedule“1”) infavorof PahioVacationOwnership,Inc., aHawaiicorporation, forfailuretopaytheamountsowedandsecuredby therespectiveMortgages. PahioVacationOwnership,Inc.,aHawaii corporation, asMortgagee,whoseaddressis 6277SeaHarborDrive, Orlando,FL32821,i ntendstoforecloseitssaidmortgage,andwillholda salebypublicauctionofFeeSimplepropertybeingthatcertainproject, Pahio AtKauaiBeachVillas, locatedat 4330KauaiBeachDrive,Lihue,HI
96722 on 10/04/2024 at VidinhaStadium,HoolakoSt,Lihue,HI
theFifthCircuitCourt,StateofHawaii,underCaseNo. 5CLP-24-0000085,aPetitionbyANNM.V.CROYDON, whoseaddressisc/oKauaiEstateLaw,LLLC,4334 RiceStreet,Suite202,Lihue,Hawaii96766,seekinga determinationthatGUYSPENCERCROYDON,ALSO KNOWNASGUYS.CROYDON,ALSOKNOWNASGUY CROYDON,whowaslastseenorheardfrominHaena, CountyofKauai,StateofHawaiionJuly11,2024, shouldbedeemedtohavediedonJuly11,2024,and directingtheissuanceofacertificateofdeath accordingly. Tuesday,October8,2024,at1:30p.m.beforethe HonorableJudgeKathleenN.A.Watanabe,inher courtroomNo.6,locatedat3970Ka’anaStreet, Lihue,Hawaii96766,istheappointeddate,timeand placeforhearingsaidPetitionandallinterested persons,includinganyonewhomayhaveinformation astothewhereaboutsofsaidGUYSPENCER CROYDON,ALSOKNOWNASGUYS.CROYDON,ALSO
96766,underthetrees,atentrancetothestadium at 1:00PM. Each ofthepropertiesistobesoldasanundividedtimeshareinterest.Therewill benoopenhouses.Termsofthesaleare:(1)Noupsetprice.(2)Property soldwithoutcovenantorwarranty,expressorimplied,astothetitle possessionorencumbrances;(3)Atthecloseoftheauction,Purchasershall pay100%ofthehighestsuccessfulbidprice(“Bid”)bymoneyorder,certified, orcashier’scheckdrawnagainstaUnitedStatesbasedfinancialinstitution,in USCurrency,madepayabletoFIRSTAMERICANTITLECOMPANY;provided thatMortgageemaysubmitacreditbiduptotheamountofthesecured indebtedness;(4)Purchasershallpayallclosingcostsincluding,butnot limitedto:costsofdocumentdrafting,notaryfees,consentfees,escrowfees, conveyancetax,recordationfeesandothercharges,togetherwithanyspecial assessmentswhichmayariseunderHRS514B-146(g)(h)(i);(5)Iftitleisnot conveyedtoPurchaserforanyreason,otherthanPurchaser’sfailureto performasspecifiedherein,theMortgagee’ssoleresponsibilityshallbethe returnoftheBidfundstenderedbyPurchaser.ThePurchasershallhaveno furtherrecourseagainsttheMortgageeoritsagents,attorneys,servicersand auctioneers;(6)Thesalemaybepostponedfromtimetotimebypublic announcementbyMortgageeorsomeoneactingonitsbehalf;(7)By submittingtheBid,Purchaseracknowledgesreadingthetermsandconditions setforthinthisnoticeandagreestobeboundtherebyandsignawritten acceptanceofalltermsherein.Forfurtherinformationregardingthissale,you must contact: PahioatKauaiBeachVillasIntervalOwnersAssociation, aHawaiinon-profitcorporation at (800)251-8736. Conductorofthe publicsaleinthestateofHawaii:AQUALEGAL,LLConbehalfof,First AmericanTitle,agentforClaimant;Phone:(808)539-7504;Address:1099 AlakeaStreet,suite2430,Honolulu,Hawaii96813.BatchNo: Foreclosure DOT142901-KBV18-DOT.Schedule“1”: Mortgagor(s),MortgageDated Date,MortgageDocumentNo.,VacationOwnershipInterest(ContractNo.); Mikaela Walker, 04/04/2011, Inst: 2011-074728, 001161100391. (TGI1466410 9/6, 9/13, 9/20/24) NOTICEOFMORTGAGEE’SINTENTIONTOFORECLOSUREUNDERNONJUDICIALPOWEROFSALE.NoticeisHerebyGiven pursuanttoHawaii RevisedStatutes§667-61through§667-65andPurchaseMoneyMortgage, SecurityAgreement,andFinancingStatementwith (SeeSchedule“1”), as Mortgagor,dated (SeeSchedule“1”), recordedintheBureauof ConveyancesoftheStateofHawaiiasDocumentNo. (SeeSchedule“1”), thatamortgagelienexistsagainsteachoftheVacationOwnershipInterests identifiedon (Schedule“1”) infavorof PAHIOVacationOwnership,Inc., aHawaiicorporation, forfailuretopaytheamountsowedandsecuredby therespectiveMortgages. PAHIOVacationOwnership,Inc.,aHawaii corporation, asMortgagee,whoseaddressis 6277SeaHarborDrive, Orlando,FL32821, intendstoforecloseitssaidmortgage,andwillholda salebypublicauctionofFeeSimplepropertybeingthatcertainproject, Pahio atTheShearwater, locatedat 3730KamehamehaRoad,Princeville, HI96722 on 10/04/2024 at VidinhaStadium,HoolakoSt,Lihue,HI 96766,underthetrees,atentrancetothestadium at 1:00PM. Each ofthepropertiesistobesoldasanundividedtimeshareinterest.Therewill benoopenhouses.Termsofthesaleare:(1)Noupsetprice.(2)Property soldwithoutcovenantorwarranty,expressorimplied,astothetitle possessionorencumbrances;(3)Atthecloseoftheauction,Purchasershall pay100%ofthehighestsuccessfulbidprice(“Bid”)bymoneyorder,certified, orcashier’scheckdrawnagainstaUnitedStatesbasedfinancialinstitution,in USCurrency,madepayabletoFIRSTAMERICANTITLECOMPANY;provided thatMortgageemaysubmitacreditbiduptotheamountofthesecured indebtedness;(4)Purchasershallpayallclosingcostsincluding,butnot limitedto:costsofdocumentdrafting,notaryfees,consentfees,escrowfees, conveyancetax,recordationfeesandothercharges,togetherwithanyspecial assessmentswhichmayariseunderHRS514B-146(g)(h)(i);(5)Iftitleisnot conveyedtoPurchaserforanyreason,otherthanPurchaser’sfailureto performasspecifiedherein,theMortgagee’ssoleresponsibilityshallbethe returnoftheBidfundstenderedbyPurchaser.ThePurchasershallhaveno furtherrecourseagainsttheMortgageeoritsagents,attorneys,servicersand auctioneers;(6)Thesalemaybepostponedfromtimetotimebypublic announcementbyMortgageeorsomeoneactingonitsbehalf;(7)By submittingtheBid,Purchaseracknowledgesreadingthetermsandconditions setforthinthisnoticeandagreestobeboundtherebyandsignawritten acceptanceofalltermsherein.Forfurtherinformationregardingthissale,you mustcontact: WyndhamVacationResorts,Inc.,aDelaware corporation at (800)251-8736. Conductorofthepublicsaleinthestate ofHawaii:AQUALEGAL,LLConbehalfof,FirstAmericanTitle,agentfor Claimant;Phone:(808)539-7504;Address:1099AlakeaStreet,suite2430, Honolulu,Hawaii96813.BatchNo: ForeclosureDOT142893-SW16-DOT.
Schedule“1”: Mortgagor(s),MortgageDatedDate,MortgageDocument No.,VacationOwnershipInterest(ContractNo.);JamesL.Monkemeierand Lillian B. Monkemeier, 11/29/2006, Inst: 2007-005649, 1150700110.
(TGI1466415 9/6, 9/14 9/20/24)