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French-Gabonese artist Myriam Mihindou intertwines the personal and the political

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Sketch of a flower, made with blue ink on pale paper. The ink has been applied in such a way as to create scratches, distortions,  blotches and rivulets running down the paper

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When Myriam Mihindou was in her 20s, she suffered from aphasia, an inability to speak or understand speech. The French-Gabonese artist’s process of rehabilitation helped her find her voice, both literally and artistically, and she has since developed a multidisciplinary practice in which collaboration plays a central role.

This autumn, a trio of major French exhibitions — at the Palais de Tokyo, the Musée du Quai Branly and the Biennale de Lyon — are set to solidify Mihindou’s reputation as a key figure in contemporary French and African diaspora art. But it was in 2000, when she created her first video installation, that she first struck upon her current mode of working. “I became conscious that I was a performance artist,” she says from her studio in Vitry-sur-Seine, a south-eastern suburb of Paris, dressed in a T-shirt and yoga trousers.

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This early video, “Folle” (“Mad Woman”), is part of the artist’s new retrospective at the Palais de Tokyo, the French capital’s foremost contemporary art space. Projected on to the floor of the gallery, it shows Mihindou’s feet from a first-person perspective. The viewer hears laughing and jeering as her toes nervously explore the crack between two paving stones. After much hesitation, the feet leap from one stone to the next and the laughing stops. It’s a simple but potent visual metaphor for overcoming one’s fears.

Sketch of a flower, made with blue ink on pale paper. The ink has been applied in such a way as to create scratches, distortions,  blotches and rivulets running down the paper
‘Lingi’ (2022) by Myriam Mihindou © Pauline Guyon

Born in 1964 in Libreville, Gabon, to a French Catholic mother and a Gabonese animist, political activist father, Minhindou recalls her childhood as a rich source of inspiration, but also one of terror. “My father was often arrested,” she says. “He spent 14 years in prison for defending his political ideas.”

It was against the backdrop of her father’s opposition to the regime of President Omar Bongo Ondimba that Mihindou fled to France in the 1980s. In Bordeaux, she studied the architecture of the French colonial buildings that she had seen being razed. “When I was a child, the destruction of old colonial houses began,” she recalls. “In place of these houses, they built multistorey buildings, which drastically changed the atmosphere and the architectural memory of the neighbourhoods.” The destruction made her angry, she admits. “But I was able to separate the system from what that [same] system produced in terms of cultural heritage.”

Her studies did little to appease the pain of exile, however, and, to the dismay of her parents, Mihindou abandoned architecture to pursue a career in art. She enrolled in night courses at the University of Bordeaux, where a class on ruins provided the conceptual bridge between architecture and the internal conflicts that pressed her towards art-making. “I’m sort of obsessed with the idea of how to reconstitute the whole from a fragment,” she says. “Making things is, for me, a way of thinking through that.”

In 2004, Mihindou filmed “La Colonne Vide” (“The Empty Column”) in homage to her late sister. It shows a double image of the artist standing on a pedestal; as the figure on the right begins to move, walking backwards in a small circle, the one on the left follows with a few seconds of delay. Every so often, Mihindou stops to pose. She seems to represent herself and her sister as monuments of a very personal and individual kind. The subtle intertwining of personal story with political subtext is a recurring motif in her work.

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A woman in a loose-fitting white long-sleeved T-shirt and matching white loose-fitting trousers dances on a platform. Her image is repeated so it looks like there are two identical women dancing together
A still from ‘La Colonne Vide’ (‘The Empty Column’) (2004) by Mihindou © Courtesy Myriam Mihindou et galerie Maïa Muller

It’s hard not to read these images against the context of ongoing debates regarding the presence of monuments to racist oppressors in public spaces. “I’m not an activist”, Mihindou insists at first, before conceding: “Alright. I am an activist when it comes to the question of pursuing certain goals. But I don’t like political structures. I don’t want to belong to a political movement or party.”

Themes of death and mourning are also present in her exhibition Ilimb, the Essence of Tears at Paris’s ethnographic Musée du Quai Branly. The show pays tribute to the Punu mourners of Gabon — an order of the ethnic group to which Mihindou belongs. In “Moñu” (2023), a long wickerwork braid snakes through the gallery; an embedded copper cord responds to the visitor’s touch, activating a sound recording of a Punu mourning ritual, guiding the souls of the deceased to the afterlife. Another work, “Nzumbili” (2023), presents what at first appear to be Gabonese wooden instruments, but which are actually trompe-l’oeil ceramic pieces. It both demonstrates Mihindou’s technical and conceptual sophistication and questions the museum’s conservation techniques and obsession with authenticity.

Photograph of an art exhibition containing a number of sculptural objects, including what looks like a long, thick rope made of wickerwork, snaking through the gallery on stands, and various three-dimensional sculptures on plinths
Mihindou’s installation at the Musée du Quai Branly © Musée du Quai Branly – Jacques Chirac, photo Thibaut Chapotot

While these works dialogue closely with the concerns and contradictions of a colonial trophy museum, the installation “Lève le doigt quand tu parles” (“Raise your hand when you speak”, 2023-24), which was presented at the 2024 Biennale de Lyon, touches on broader social concerns. Impaled on a scaffolding of metal rods, cement casts of women’s arms point towards the sky in a gesture that speaks to the making invisible of women’s roles and highlights their demand to be heard.

When I ask Mihindou about this piece, she reorients the question, preferring to tell me about the collaborative process of making it. “At first, it was tough, laborious,” she recalls. “The poor crew, I think they were cursing me. After a while, each found their place. Then, each person started to deploy their intelligence, to push forward in their own capacities. We were constantly inventing. When you start inventing, it’s moments of laughter and joy. Depending on what’s invented, you really discover personalities, and that’s very beautiful.”

Woman wearing a black top and black trousers
Myriam Mihindou, shot for the FT by Edouard Jacquinet at the Palais de Tokyo, Paris  © Photo by Edouard Jacquinet for the FT

Palais de Tokyo, October 17-January 5, palaisdetokyo.com. Musée du Quai Branly, to November 10, quaibranly.fr; La Biennale de Lyon, to January 5, labiennaledelyon.com

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Ugly side of fashion giant Shein revealed as retailer slammed by rivals for ‘unfair tactics’ to keep prices low

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Ugly side of fashion giant Shein revealed as retailer slammed by rivals for 'unfair tactics' to keep prices low

IT is the world’s largest fashion retailer, which has been endorsed by Khloe Kardashian and Katy Perry.

Chinese online juggernaut Shein launched 12 years ago, yet it is tipped for a historic and controversial £50billion float on the London Stock Exchange as early as this autumn — the biggest in more than a decade.

Khloe Kardashian at a Shein charity show in 2021

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Khloe Kardashian at a Shein charity show in 2021Credit: Getty
Hailey Bieber was another celebrity who took part in Shein virtual festival

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Hailey Bieber was another celebrity who took part in Shein virtual festivalCredit: Getty
Katy Perry during the Shein Together virtual festival event raising money for Covid funds in 2020

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Katy Perry during the Shein Together virtual festival event raising money for Covid funds in 2020Credit: Getty

Britain’s addiction to the ultra-low cost clothing means an estimated 520,000 items are shipped a day to Brits.

Today a Sun on Sunday probe reveals how Shein, which had sales of £1.55billion in 2023 yet operates with just 33 staff in its UK arm, has been accused of exploiting a tax loophole.

According to latest figures from Companies House, the fashion giant’s pre-tax profits doubled year on year to £24.2million and it paid £5.7million in taxes, up from £2.3million the previous year.

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Now rivals have slammed Shein for using “unfair” tactics to keep its prices at rock bottom, while being able to fork out on glossy adverts around the country and on the London Tube network, which carries five million passengers a day.

Shein uses the so-called “de minimis” rule, which allows shipments of less than £135 to be exempt from import duties.

Last night, one chief executive told the Sun on Sunday that the loophole was “a wheeze that saves Shein millions of pounds”.

He said: “It’s an unfair playing field — of course it is. We all have to pay duties to ship clothes to customers here. But because their shipments are individually packed, they don’t?

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“At a time when the Government can’t stop talking about this £22billion hole it needs to plug, why doesn’t Chancellor Rachel Reeves go after some of these big players that are obviously not paying the right amount of tax and duties?”

Superdry founder and CEO Julian Dunkerton has previously said it would be in the UK’s interests to get rid of the loophole.

Boohoo CEO John Lyttle has also urged the Government to close it.

From Shein to Hermes: Viral Fashion Hack

Last month, US President Joe Biden announced he was closing a similar loophole, which allowed imports of individual packages of up to £600, ramping up pressure for change in the UK too.

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Tax expert Dan Neidle says that Shein is avoiding tax of eight per cent on footwear and 12 per cent on clothing.

This amounts to an average saving of ten per cent — as much as £155million — that the company does not have to pay in tax.

Chinese company Super Smart Service processes Shein’s UK orders, with clothes costing on average £7.90, along with other companies including Amazon and eBay from a warehouse in Cannock, Staffordshire.

Super Smart Service’s turnover has more than doubled from £23.4million in 2020 to £56million in 2023 — and its profits have also doubled from £3.5million to £7.3million over the same period.

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By using this third-party logistics partner, Shein can ship directly to customers in the UK.

Multi-billionaire

It also means items are not held as stock in warehouses here, which avoids storage costs — driving down prices even further.

The company, which has switched its headquarters to Singapore to reduce the Chinese government’s influence, is only considering listing in the UK after it was told it was not welcome on the New York stock exchange.

Shein has offices in Westminster, in a building that was once the headquarters of MI6.

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There is also an office in ­Manchester — the same city that is home to rivals Boohoo, PrettyLittleThing as well as Missguided, which Shein acquired last year.

Shein was founded in 2012 by Sky Xu, also known as Xu Yangtian, who is already a multi-billionaire at the age of 40.

The mysterious boss, who largely keeps a low profile, reportedly flies so under the radar that employees joke they do not recognise him at the office.

At a time when the Government can’t stop talking about this £22billion hole it needs to plug, why doesn’t Chancellor Rachel Reeves go after some of these big players that are obviously not paying the right amount of tax and duties?

Sun source

He was born in Zibo, a manufacturing city in China’s Shandong province, where his parents were workers in state-owned factories.

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He went on to study international trade at Qingdao University of Science and Technology.

One person who worked with him described him as bespectacled, “shy” and a lover of golf.

He shook up the supply process by ditching the traditional method of exporting abroad.

The company, which staged celebrity-packed fundraising virtual festivals during Covid, has tech wizards who use complex algorithms to scour trends from Google, social media and online shoppers to work out what will be a fashion hit.

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Clothes are then made in hundreds of factories in Panyu, a district in Guangzhou, southern China, which the retailer dominates so much the hub is called Shein Village.

Around 80 per cent of the 7,000 factories in the town work for Shein. Restaurants now serve dishes from all over China to armies of migrant workers.

The company’s own website claims it has 10,000 employees worldwide and sells to over 150 countries.

Shein’s mysterious founder Sky Xu

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Shein’s mysterious founder Sky Xu
Singer Rita Ora performs for Shein’s Together charity event in 2020

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Singer Rita Ora performs for Shein’s Together charity event in 2020Credit: Getty
An advert on London's Tube network

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An advert on London’s Tube networkCredit: Reuters
Workers producing garments at a factory that supplies clothes to Shein

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Workers producing garments at a factory that supplies clothes to SheinCredit: AFP

Instead of making large long-term orders with factories, Shein uses “low-batch ordering,” which means it will get a factory to make 100 items and only increase volumes if it sells well.

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The Chinese goods are shipped to Guangzhou Airport using low-cost postal service China Post and sent to the Midlands.

Initially, factories did not want to work with the online retailer.

But when a ­product goes viral they can hit the jackpot by churning out hundreds of thousands of the same piece.

One factory manager said: “When Shein first arrived, no one wanted to work with them because the orders were too small. By 2020, everyone was working with Shein because their orders were so big.”

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Its own website says “customers will receive orders via our UK Courier partners and not need to deal with any custom affairs”.

When Shein first arrived, no one wanted to work with them because the orders were too small. By 2020, everyone was working with Shein because their orders were so big

Factory manager

As well as the tax loophole, Shein has faced controversies including accusations by Stop Uyghur Genocide, which claims there is forced labour in its supply chain. The charity says Shein should be barred from listing on the London Stock Exchange.

In its 2023 Sustainability and Social Impact Report, Shein admitted two cases of child labour and temporarily suspended orders from the suppliers involved. It did not resume business until the suppliers tackled the issue.

It also admitted its carbon emmisions increased by 81 per cent between 2022 and 2023. Shein insisted it has a “zero tolerance” approach to worker mistreatment.

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Liam Byrne, chairman of the Business and Trade committee, said: “We can’t allow British business and consumers to be undercut or cheated in a race to the bottom on standards, especially when there are questions about whether forced labour is being used.

“That’s why I’d like to see our new government make good on the promise made, but never delivered, by Conservatives in the 2022 Queen’s Speech, to strengthen the modern slavery act and toughen up requirements on supply chain reporting.”

Alice Price, of GlobalData, said Shein’s low-cost model and response to demand meant it can steal customers from British firms.

She said: “Shein’s burgeoning influence over the UK market is attributed to its unbeatable prices, and its rapid ability to churn out the latest micro trends on a colossal scale. This has allowed it to become a firm favourite among younger shoppers, and steal share away from other online specialists like ASOS and boohoo.com.”

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Shein has previously said it complies fully with all its UK tax liabilities.

The company told the Sun on Sunday: “Shein’s success comes from our ability to produce fashionable products. We keep prices affordable through our on-demand business model and flexible supply chain. This reduces inefficiency, takes out wastage of material, and lowers our unsold inventory.

“We pass this advantage to our customers and this has driven our success around the world, not the exemptions that retailers receive under current tax regimes. We will work with policy makers and industry peers to review frameworks.”

HURT TO BRITISH FIRMS

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By Ashley Armstrong

FIVE years ago, most people didn’t know how to pronounce Shein.

Even senior retail bosses would say: “Have you heard of this new Shine?”

Their ignorance did not last long, as they watched customers desert them for an upstart that was doing everything faster and cheaper.

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Shein, pronounced She-in after its odd original name She Inside, is now firmly in the spotlight.

It used to be just young shoppers posting their “Shein hauls” of cheap bodycon dresses on TikTok and Instagram. But now the name is on the lips of those in Westminster and the City, as it works on a stock market listing in London.

To boost its British credibility it is now surrounded by an army of highly paid advisers. The company, which has switched its headquarters to Singapore to lessen Chinese government influence, is only considering listing in the UK after it was told it was not welcome on the New York stock exchanges.

Chancellor Rachel Reeves wants to encourage international investment into Britain and stimulate a sluggish London stock market.

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But Labour’s Liam Byrne MP, who sits as chairman on the Business Trade Committee, raised concerns about treatment of workers across Shein’s supply chain, not least the opaque world of subcontracting across Chinese workshops.

Then there is the tax loophole of Shein skipping import duties by sending small parcels directly to customers from Chinese factories. The US is clamping down on this and the EU will soon follow.

The high street is facing increasing rates to keep shops open and our online retailers are suffering, partly due to rising competition from Shein.

It seems ridiculous the Government would throw its arms around a business unfairly hurting British firms.

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The loophole needs to be closed before a London listing happens.

Shein uses the so-called 'de minimis' rule, which allows shipments of less than £135 to be exempt from import duties

11

Shein uses the so-called ‘de minimis’ rule, which allows shipments of less than £135 to be exempt from import duties
The Chinese goods are shipped to Guangzhou Airport using low-cost postal service China Post and sent to the Midlands

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The Chinese goods are shipped to Guangzhou Airport using low-cost postal service China Post and sent to the Midlands
Chinese company Super Smart Service processes Shein’s UK orders from a warehouse in Cannock, Staffordshire

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Chinese company Super Smart Service processes Shein’s UK orders from a warehouse in Cannock, Staffordshire
Shein's own website says 'customers will receive orders via our UK Courier partners and not need to deal with any custom affairs'

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Shein’s own website says ‘customers will receive orders via our UK Courier partners and not need to deal with any custom affairs’Credit: Alamy

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Shoppers are running to Home Bargains to grab Christmas-themed gift for £1.99 and it’s perfect for kids’ Xmas Eve Boxes

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Shoppers are running to Home Bargains to grab Christmas-themed gift for £1.99 and it's perfect for kids' Xmas Eve Boxes

HOME Bargains shoppers are racing to the store to get their hands on this family-friendly Christmas stocking filler.

For a single coin you could grab this creative collection that will keep the kids entertained for hours.

Home Bargains has revealed another seasonal deal for shoppers in the festive spirit

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Home Bargains has revealed another seasonal deal for shoppers in the festive spiritCredit: Getty
The Grinchmas Activity pack can be purchased for just £1.99

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The Grinchmas Activity pack can be purchased for just £1.99Credit: Facebook

The Grinchmas Activity Pack includes a colouring book, activity book, write-your-own-story book, stickers and mini coloured pencils.

This bountiful bundle is on the shelves for only £1.99.

With of the activity booklets stating they contain over 30 pages each, it’s difficult to agree with the infamous antihero about hating Christmas.

The deal has has had savvy shoppers taking to social media to share the bargain with friends and posting it on saver pages.

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Amongst the comments, one user tagged her friend in the post and wrote: “If you see these can you grab one?”

It’s no wonder because the exact same activity pack is for sale on eBay for £9.50 – nearly five times the price.

Even at notoriously low-priced discount store The Works, activity packs are still marked around a five to ten pounds.

With the price of Fineliners being sold at a whopping £16.50 at Tesco and coloured Sharpies marked at an eye-watering £20 at Argos, if you want to get creative perhaps Home Bargains is your best bet.

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For those keen to get in the Grinchmas spirit, the activity pack isn’t the only deal that will make you green with envy.

If you want to set a Christmas day precedent, you can grab a Grinch themed doormat for £2.49 stating “I’m only here for the presents!”

You can also grab a Grinch Gingerbread Mug Hugger for £1.79 to pep up your Christmas latte.

Beauty lovers are raving over a new Charlotte Tilbury set dupe at Home Bargains which costs just £2.99 – and it’s great if you’re a Pillow Talk fan

If you’re a Grinch superfan, on the Home Bargain website there is a total of 47 Grinch-themed items ready to fill the stockings for the entire family.

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These range from to The Grinch Snuggle cushion to The Grinch Dog Dental Treats

How to save money at Home Bargains

The key to nabbing the best deals at Home Bargains isn’t where to look but when.

If you manage to hit the right timing you can spot deals for as little at 69p.

Keeping an eye on the Home Bargains website will tell which offers are set to drop – like this year’s Halloween specials.

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This type of seasonal stock is often offered at a reasonable price but especially afterwards.

Big price drops will happen after big public holidays like Easter and Christmas, so you can bag a bargain at a fraction of the price at these times.

Top tips to nab the best shopping bargains

Finding deals and offers can be tricky if you don’t know where to look.

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Here’s a list of hacks you can use to become a bargain-hunting pro and save on your shopping bill:

Join Facebook groups – Extreme Couponing and Bargains UKLatest Deals and Reduce Your Supermarket Spend are all Facebook groups helping you reduce your spending and find good deals

Get following – Follow your favourite shops on Twitter, Facebook and Instagram and sign up to its newsletters to get the latest on any offers

Check hotukdeals – The deal-sharing website lists offers as they’re spotted by savvy shoppers

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Use barcode scanners – Retailers such as B&M let shoppers scan the barcodes on its app to see if it’s cheaper than the price listed on the shelf

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I tried the alternative Las Vegas – with secret food tours and desert trips

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The Valley of Fire State Park

IT WAS while standing under the darkened desert sky in the beautiful Neon Museum that Las Vegas finally clicked for me.

The museum’s director Aaron Berger recalled visiting the towering Luxor Hotel as a child with his father, who asked why he thought it contained the world’s first diagonal lifts (yes, you actually ascend to your room on a 35-degree angle).

The Valley of Fire State Park

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The Valley of Fire State ParkCredit: Getty
The famous strip's fountains, canals and mini Eiffel Tower on the famed street

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The famous strip’s fountains, canals and mini Eiffel Tower on the famed streetCredit: Getty

When young Aaron gave up on guessing, his dad simply replied: “To delight you”.

And that perfectly sums up the spirit of this city — every aspect of it is geared towards joy and excitement.

Those whose only experience of Las Vegas is what they’ve seen on the cinema screen will think of vast casinos, strip clubs and heaving bars.

But there is another side to Sin City just beneath its glitzy exterior, waiting for those willing to look for it.

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Take the Neon Museum as an example — at first glance the signs that make up its exhibits seem to be the glowing altars in this temple to tackiness.

Yet taked a guided tour and you discover they are the mile markers of the city’s fascinating history, shining a light on everything from Vegas’s connections with the Mob to one hotel’s brave decision to shatter the colour bar in the 1950s.

Back in the present day, though, there’s only one way to properly explore this desert oasis — and that is by eating your way around the city.

Vegas loves to borrow the best bits from around the world (see the half-scale replica of the Eiffel Tower or the actual canals in the Venetian) and its culinary scene is no different.

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Highlights for me included a delightfully authentic, and gut-busting, Italian feast at Esther’s Kitchen in the Arts District, and some of the best Chinese food I’ve ever tasted at Mott 32 — think a Friday night takeaway but with a Michelin star.

And for a real taste of the city’s soul, I’d recommend letting Secret Food Tours whizz you through a mystery selection of restaurants, each with their own unique role in its history.

Only the most eagle-eyed can spot all 6 lucky cherries hidden in the bustling Las Vegas strip scene in under 22 seconds

Over the course of an afternoon, you can enjoy a selection of treats from lesser-known eateries to give you a true flavour of the place.

As for where to stay, there are endless glitzy hotels, with owners famously fond of blowing up underperforming sites and rebuilding in their place.

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Indeed, during my stay alone I heard of two that were scheduled for demolition in the next few months.

For the classic Las Vegas Strip experience, you can’t go far wrong with Caesars Palace.

An institution here since it opened in 1966, Caesars won’t break the bank (with rooms from around £70 per night) and it’s only a 15-minute walk from just about anything in the city centre.

It boasts a host of restaurants, including branches operated by star chefs like Gordon Ramsay and Bobby Flay, as well as a stunning, Greek mythology-themed shopping mall.

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And for some variety you can always stroll to other nearby hotels for a bite, all home to equally impressive restaurants, as well as next door to watch the world-famous Bellagio fountain display.

Guests of Caesars can also take advantage of a well-equipped gym, a spa, Roman baths and a wellness centre — you can even have some light cosmetic procedures done if they take your fancy.

Just bear in mind that some of these cost extra and there were a couple of payment mishaps while I was there (including one person in my group being incorrectly charged more than £650) but these were handled professionally and, as far as I’ve heard, refunded promptly.

Get out and go wild

However, if you fancy stationing yourself Downtown instead — where many of the older, original casinos sit — the Main Street Station Hotel is a top pick.

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It’s built on the site of the original railway station and its former owner had a fascination with antiques and interesting knick-knacks, leaving it as a sort of residential museum today.

Highlights include Sir Winston Churchill’s snooker table, a Pullman railway coach converted into a cigar lounge and a section of the Berlin Wall set behind the urinals in the gents’ loos.

Sitting right at the heart of the busy Freemont Street, the area is a firm favourite with Vegas natives — as a nightlife hub at more affordable rates than you might find on the main strip.

The main thing to know about Vegas is that there’s always something happening, some reason to get out and go wild — but what about those looking for a bit more peace and solitude?

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Well, you can get that here too.

The  Sun's Jacob Jaffa gets to grips with a Nirvana guitar

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The  Sun’s Jacob Jaffa gets to grips with a Nirvana guitarCredit: Supplied
Take a gondola ride at the Venetian Hotel

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Take a gondola ride at the Venetian HotelCredit: Getty

It’s one of the perks of a city built in the middle of nowhere.

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A short ride out of town and you’ll hit the gorgeous wilderness of the Old West.

What happened in Vegas isn’t necessarily staying there, but after seeing those landscapes I sure wish I could

Firms such as Pink Jeep Tours will take you out to the Valley of Fire State Park, named for its towers of blazing red sandstone.

Standing out in the Mojave Desert, you could almost have no idea that one of the world’s most densely populated cities is a matter of miles way.

It is the perfect break from the hubbub of central Las Vegas, as you take in sights such as the eerily beautiful petroglyphs carved into the rock by native tribes, some of which are estimated to be thousands of years old.

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And on cooler days, you can even make your way along a trail to a model Spanish town used as a set in the classic 1966 film The Professionals.

What happened in Vegas isn’t necessarily staying there, but after seeing those landscapes I sure wish I could.

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Join your Neighbourhood Watch, prune your trees & 10 other ways to beat rising house insurance prices

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Join your Neighbourhood Watch, prune your trees & 10 other ways to beat rising house insurance prices

HOME insurance costs are rocketing.

This is due to soaring inflation, and the costs of repairs after a wave of storms last year.

Home insurance costs are going through the roof, but there are ways to reduce the amount you'll be asked to pay

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Home insurance costs are going through the roof, but there are ways to reduce the amount you’ll be asked to payCredit: Alamy

Money rights expert Martyn James says: “Premiums have been rocketing and it’s important to have cover in place in case the worst happens, but with a few simple tricks you can lower the cost while still keeping your property and belongings protected.”

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Laura Miller explains how savvy tricks can cut the cost of cover . . . 

THE average home insurance quote rose by almost 28 per cent in the year to the end of July.

That is the shock revelation of the latest Consumer Intelligence Home Insurance Price Index.

READ MORE ON HOME INSURANCE

Combined buildings-and-contents premiums paid by customers have climbed to on average £375 a year, and buildings-only cover to £298 while contents-only cover has stayed at £132, the Association of British Insurers (ABI) reports.

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All regions have seen quotes soar, from a 34-per-cent jump in London to 22 per cent in the West Midlands, data analysts Consumer Intelligence say.

Inflation, and 2023 being the busiest year on record for weather-related home insurance claims, are to blame, says ABI.

Storms Babet, Ciaran and Debi in the final three months of last year caused £352million of damage to homes.

Homeowners now looking for buildings and contents insurance on a budget should shop around for the best deal.

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But if you still feel priced out, these tips can help cut the cost . . . 

Five ways to cut your insurance costs

DON’T OVERESTIMATE

Many homeowners make the mistake of insuring their property for its market value, rather than the rebuild cost, and end up paying over the odds

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Many homeowners make the mistake of insuring their property for its market value, rather than the rebuild cost, and end up paying over the oddsCredit: Getty

THIS often happens with buildings insurance.

Many homeowners make the mistake of insuring their property for its market value, rather than the rebuild cost, and end up paying over the odds for their premium,” says Anna McEntee, insurance expert at Compare the Market.

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The ABI rebuild calculator at abi.bcis.co.uk can help.

Equally, when you take out contents insurance, be as accurate as you can — if you overestimate, you’ll pay too much.

Aviva’s free home contents value calculator, at aviva.co.uk, can help you estimate the cover you’re likely to need, based on what you own.

GET A COMBINED POLICY

“IF you get a combined buildings- and-contents policy, the insurer might give you a discount,” says McEntee.

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It’s worth doing research and getting quotes for both individual and combined policies to see how they compare.

DON’T DOUBLE UP ON COVER

 MAYBE your bank account includes mobile phone cover? Perhaps you took out insurance on your tablet or laptop when you bought them, or have a gadget insurance policy?

If you find yourself with separate policies covering the same thing, you could save by cancelling the duplicate cover.

JOIN A NEIGHBOURHOOD WATCH SCHEME

SOME insurance providers offer discounts for members of these schemes.

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“This is because you’re taking active steps to reduce the likelihood of needing to make an insurance claim,” says McEntee.

KEEP AN EYE ON TALL TREES

The average premium for a home insurance policy where a falling tree was listed as the only previous claim was £357, compared with £183 where there were no previous claims

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The average premium for a home insurance policy where a falling tree was listed as the only previous claim was £357, compared with £183 where there were no previous claimsCredit: Getty

WHY on earth might this be? Because tall trees around your home increase the risk of its foundations becoming unstable or your roof getting damaged.

It’s a good idea to make sure trees are regularly pruned. You should expect to pay from £100 to £150 for pruning a small tree and something like £500 for a larger one, says trade website My Local Toolbox.

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The average premium paid for a home insurance policy where a falling tree was listed as the only previous claim was £357, compared with £183 where there were no previous claims, says price comparison site Go Compare.

CHECK YOUR HOME’S FLOOD RISK

Ask your insurer if they are part of the Flood Re scheme, which was set up to help homeowners in high-risk areas to access flood insurance

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Ask your insurer if they are part of the Flood Re scheme, which was set up to help homeowners in high-risk areas to access flood insuranceCredit: Getty

YOU can find this out from the Environment Agency.

Garin Cole, home product manager at Aviva, says: “If your home is at risk, ask your insurer if they are part of the Flood Re scheme, which was set up to help homeowners in high-risk areas to access flood insurance.”

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BOOST YOUR HOME’S SECURITY

'If you have approved security and safety systems in place, your insurance provider might consider lowering your premium'

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‘If you have approved security and safety systems in place, your insurance provider might consider lowering your premium’Credit: Getty

CONSIDER adding high-quality locks to your doors and windows and installing a burglar alarm.

McEntee advises: “If you have approved security and safety systems in place, your insurance provider might consider lowering your premium.”

Among 11 common home security brands reviewed by data analysis site CrimeRate in 2024, the price range runs from £120 for DIY bell-only home alarms up to £1,139 for fully equipped smart security systems with professional installation.

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AVOID PAYING IN INSTALMENTS

PAYING your premium up front, in one go, usually cuts the cost of home insurance. If you opt to pay in monthly instalments, you might be charged interest on top.

INCREASE YOUR EXCESS

“IF you’re willing to raise the amount that you contribute towards a claim, the excess, you’ll usually pay a lower premium,” advises McEntee.

BUILD UP A NO-CLAIMS DISCOUNT

IF you don’t claim on your home insurance, you could be rewarded with a discount on your next premium. The longer you go without claiming, the more you can save.

McEntee advises: “You’re likely to be able to carry over the discount if you switch to another insurance provider, so make sure to include this when looking for a quote.”

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CONSIDER A MULTI-YEAR FIXED DEAL

WHILE loyalty doesn’t always pay, and it helps to shop around for the best deals each year, if you prefer a bit of stability consider a multi-year fixed-rate deal, suggests Pete Mugleston, mortgage expert at Online Mortgage Advisor.

He says: “This can protect you from price hikes for the duration of your policy.”

DO A COMPARISON

FIFTY one per cent of customers could have achieved a saving of £225 on their buildings and contents insurance through Compare the Market, based on independent research by Consumer Intelligence during June 2024, so it is always well worth checking out what comparison sites offer.

TAXMAN CLOBBERS ELDERLY

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TENS of thousands of OAPs are set to get tax demands this year for the first time since they retired.

A freedom of information request by LCP Partners revealed nearly 700,000 have been asked by HMRC to pay tax on their pensions. This was an increase of over 120,000 people compared with two years earlier.

One reason given for the rise is the year-on-year freeze in the value of tax-free personal allowance, coupled with a steady increase in the value of the state pension.

The personal allowance threshold, which is the salary point at which people start paying tax, has been frozen at £12,570 since April 2021.

Steve Webb, partner at pension consultants LCP and former Pensions Minster, told The Sun the “long-term freeze” of the personal allowance could be financially damaging for pensioners.

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He said: “Although an average bill of £665 may not sound very large, it could be the equivalent of about three weeks’ pension, and a pensioner whose income is only just above the tax threshold may not have such a sum readily available”.

He predicts the number of retirees getting tax demands could rise further over the coming years due to the pensions triple lock – which means the payment rises every April by the highest out of inflation, the average UK wage increase or 2.5 per cent.

Markets still do not know what the pension rise will be but inflation figures released next week should give an indication.

MORTGAGE RATES ARE UP

Look out for a surge in mortgage costs as some lenders hike rates and axe their cheapest deals

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Look out for a surge in mortgage costs as some lenders hike rates and axe their cheapest dealsCredit: Alamy

BORROWERS could face a surge in mortgage costs as some lenders increase rates and withdraw their cheapest deals.

Coventry Building Society, Co-operative Bank, Molo, and LiveMore have all either raised rates or pulled their best fixed-rate offers from the market.

Prior to these latest changes, Coventry offered a 3.69 per cent five-year fixed-rate mortgage, one of the lowest rates on the market.

Interest rates on home loans had been on a downward trend with many homeowners and buyers expecting further reductions in the coming months.

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However, David Hollingworth, Associate Director at L&C Mortgages, warns: “Fixed rate pricing depends on market expectations for interest rates, and current uncertainty over the forthcoming Budget, mixed messages from the Bank of England, and global unrest are pushing costs back up.”

Swap rates, which indicate market expectations for future interest rates, have been rising. These directly impact the cost of fixed-rate mortgages and lenders will look to increase their rates so that they don’t lose out.

The two-year swap rate was 4.06 per cent as of October 7, while the five-year swap rate was 3.81 per cent, according to Chatham Financial. In September, the respective rates were 3.91 per cent and 3.56 per cent.

Swap rates will remain uncertain until the BofE decides whether to cut interest rates from 5 per cent on November 7.

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Martin Lewis issues warning to couples to ‘act now’ or could risk losing their home

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Martin Lewis issues warning to couples to 'act now' or could risk losing their home

MARTIN Lewis has warned unmarried cohabiting couples that they could risk losing their home because of a mysterious inheritance rule.

The rule deals with the division of your estate upon death, a subject that many people avoid discussing, but the financial guru urged them to “act now”.

Martin Lewis has issued a warning for couples that they could risk losing their home

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Martin Lewis has issued a warning for couples that they could risk losing their homeCredit: Rex
The financial guru urged people to 'act now' to avoid trouble later on

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The financial guru urged people to ‘act now’ to avoid trouble later onCredit: Rex

That is because couples could be evicted from their home should one of them pass away.

On his latest podcast episode, the Money Saving Expert said: “For unmarried couples, and by unmarried I mean you’re not married and you don’t have a civil partnership which is legally akin to marriage.

“If you are unmarried, in law it basically means diddly squat. That’s the best way to think about it.

“It’s irrelevant. You may have been together for decades, everybody may know you’re a couple, you may have 35 children, in law it means diddly squat.”

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Martin stressed the need of having a will in order to make sure your partner is taken care of when you pass away.

He added:  “So you need if you want to look after your inheritance either make a will or do some form of contract or do a civil partnership or get married.

“That’s what you need to do to protect your assets. You could find that your partner that you lived with for years doesn’t get your house and can’t stay in the house.”

The warning was sent out because certain regions of the UK are currently celebrating Free Wills Month.

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It gives anyone 55 years of age or older the opportunity to have a basic will prepared or amended by a participating solicitor for free.

People are encouraged to take advantage of the initiative by Age UK.

It said: “Free Wills Month takes place in March and October. From 1 – 31 October, Age UK supporters who are 55 or over can have a simple will written or updated free of charge by a participating solicitor.

“If you choose to write your will through Free Wills Month we hope you’ll consider leaving a gift in your will to Age UK, although there’s no obligation to do so.”

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Martin Lewis also issued a warning to anyone under 22 who could have £2,000 sitting in a forgotten account.

Child Trust Funds are long-term, tax-free savings accounts which were set up for every child born between September 2002 and January 2 2011.

The Money Saving Expert said on X that those aged 22 and under could have the Child Trust Fund set up and access it for free.

But he also warned that some firms are attempting to charge individuals to “get your own money” – but Lewis says “don’t pay.”

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The Government deposited £250 for every child during that time period, or £500 if they came from a low income family earning around £16,000 a year or below.

An extra £250 or £500, depending on their families’ economic status, was deposited when the child turned seven.

In 2010, this was reduced to £50 for better off households and £100 for those on a lower income.

The scheme was eventually scrapped in 2011 as part of cost-cutting measures following the 2009 financial crisis and was later replaced with Junior ISAs.

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Currently, parents or friends can deposit up to £9,000 into the child’s account tax-free, with the money usually invested into shares.

The youngest children across Britian to have these accounts are about 13 years old, so have around five years before they can access the cash.

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Giant rhubarb tables and Virgil Abloh thrones at Design Miami Paris

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Two large tables, made of bronze, where the top is the bronze cast of a giant leaf, one copper coloured, one in a verdigris shade. There are also verdigris-coloured bronze casts of smaller leaves, mounted on stands and plinths

“It was an experiment, and one that worked 90 per cent,” says Grela Orihuela, the senior VP of Design Miami. She is talking about the American design fair’s first Parisian edition, which took place last October. (The mothership, as the name suggests, was launched in Miami in 2005.) The success of the new event can partly be measured by the reaction of those who are coming back for its second round. “This year we have 24 galleries taking part,” adds Orihuela, “and 15 of those are returns.”

Among the latter is Galerie Kreo, the cutting-edge Paris design gallery founded by Didier and Clémence Krzentowski. “For us it was fantastic,” says Clara, their 29-year-old daughter, who is beginning to influence the 30-year-old business. “The location helps. It’s full of natural light, and the house itself is a Paris gem.” Indeed, the 18th-century Hôtel de Maisons on the city’s Left Bank, which Design Miami will occupy for five days, maintains much of its historic splendour. With its wood-panelled rooms and rich parquet, it was deemed sufficiently well-appointed by the self-appointed arbiter of taste himself — Karl Lagerfeld — to be his home for a number of years.

These are the highlights:

CLOTILDE ANCARANI AT GIULIA DE JONCKHEERE

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Two large tables, made of bronze, where the top is the bronze cast of a giant leaf, one copper coloured, one in a verdigris shade. There are also verdigris-coloured bronze casts of smaller leaves, mounted on stands and plinths
The Gunnera Table and other bronze casts by Clotilde Ancarani, on display at Giulia De Jonckheere © Courtesy of the artist and Giulia De Jonckheere

Clotilde Ancarani trained as a sculptor, but now spends equal amounts of time making art and design in her Brussels studio. In fact, her real passion is her garden, which infuses her work completely. “Plants have always been my subject,” says the 58-year-old, who searches out the most exquisite large-scale leaves to cast in bronze. “I like the contradiction between the fragility and organic properties of plants and the cold, hard characteristics of bronze as a material.” 

In the garden of the Hôtel de Maisons, visitors will find her low, curly edged Gunnera Table, cast from the huge leaves of a giant rhubarb plant that was growing in a neighbour’s garden, and earlier sculptural pieces based on smaller (though still sizeable) domestic rhubarb leaves.

“I’m not consciously influenced by Art Nouveau,” says Ancarani of the 20th-century style that looked to nature for inspiration. “But I do live in Brussels, where it’s everywhere, so I probably feel its presence every day.”

PAUL DUPRÉ-LAFON AT MAXIME FLATRY

Maxime Flatry, 32, opened his Left Bank gallery two years ago. There he specialises in the French furniture masters of the 1920s and 30s, including Jean-Michel Frank, whose pared-down aesthetic upturned the fancier rules of decorative arts in his day.

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At Design Miami Paris, Flatry will show a suite of furniture by Paul Dupré-Lafon made in the 1930s — a sofa, armchairs and a table. The seating was originally upholstered in red velvet, but Flatry has chosen to replace this with a glowing white. “Dupré-Lafon’s work was as reductive as Frank’s in one way, but more expansive in another,” says Flatry. “The chairs are wide and generous and they sit low to the floor. It’s almost like car design, like a 1930s Rolls-Royce. The lines and the dimensions are so modern.”

A minimal white sofa and two matching armchairs, arranged around a small wooden table holding an antique-looking bowl
1930s sofa and chairs by Paul Dupré-Lafon, at Maxime Flatry © Courtesy the artist and Maxime Flatry

JEAN TOURET AT GALERIE GASTOU

“Jean Touret believed in the poetry of the handmade, and the direct relationship between man and material,” says Victor Gastou, the second-generation director of the eponymous Parisian gallery. After the second world war, during which he had been taken prisoner, Touret ditched his life in insurance, and headed to the Loire Valley. There he assembled craftsmen into a guild, called the Ateliers de Marolles, and set about designing hand-crafted oak furniture that ran counter to the prevailing industrialisation of France, and mass-manufactured goods. “The work was sold in Galeries Lafayette,” says Gastou. “It appealed to a sophisticated clientele who appreciated its artisanal qualities.” The pitted “honeycomb” surfaces, created with a gouge, certainly have a very rustic appeal.

Touret resigned from the Ateliers in 1964, and carried on making his own totemic sculptures in acacia wood, which he never sold in his lifetime, some of which will also be on show. “He was inspired by Matisse and Cubism,” says Gastou. But most of all he was inspired by his faith, and continued to make a living from religious commissions.

Wooden table and wooden stool, on top of what looks like two rattan carpets, with a wooden abstract sculpture to the side. On top of the table is a metal candle holder
Sideboard, chair and candle holder by Jean Touret and Artisans de Marolles, at Galerie Gastou © Edouard Auffray, courtesy the artist and Galerie Gastou

VIRGIL ABLOH AT GALERIE KREO

The American Virgil Abloh had a sadly brief life — he died in 2021, aged just 41 — but he packed a lot in. Trained as an architect, he went on to work as a fashion designer, launching his own brands Pyrex Vision and Off-White, and ultimately becoming the creative designer of Louis Vuitton’s menswear in 2018. He also DJ’d and designed furniture.

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Galerie Kreo is showing one of his last works — the monolithic Tower Hills chair, which, like his fashion, synthesises luxury and the street. It’s a chunky, robust cube of a chair, made in bronze, but cast in OSB (oriented strand board, or chipboard) to give it the finish of something more disposable. “It feels right to put this throne-like piece into the mansion’s luxurious interior,” says director Clara Krzentowski. “To bring together the contemporary and the historic.”

A chunky throne-like shape, cast in bronze, which looks like a cube mounted with a gravestone
‘Tower Hills’ chair (2021) by Virgil Abloh, cast in bronze, at Galerie Kleo © Alexandra de Cossette. Courtesy Galerie kreo

ITALIA AT DOWNTOWN +

While father François Laffanour holds the fort at Design Miami with blue-chip French names, his daughter Luna, 28, has gone rogue. She is showing a selection of historic Italian work at the nearby Hôtel de l’Industrie on Place Saint-Germain-des-Prés, which she is pairing with contemporary painting by Nicolas Mehdipour — richly pigmented abstracts and eerie figurative paintings of lost adolescents. His vibrant palette coincides with that of Italian masters such as Gaetano Pesce and Ettore Sottsass, who from the 1970s were delving into new materials and ways of living.

Red obelisk, with zig-zag sides
Work by the Italian designer Ettore Sottsass, on display at Downtown+ © Handout

Design Miami Paris, October 16-19, designmiami.com. Italia, to October 16, plusdowntown.com

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