Target buys 40MW of Texan wind

UNITED STATES: Discount retailer Target has agreed to buy 40MW of wind power from a Starwood Energy Group project in Texas to offset the power used at 60 of its stores….
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Poland must target Kaliningrad, Moscow Metro & RT to deter Russian invasion – think tank

Called ‘Arming for Deterrence’, the 25-page document released by the US-based Atlantic Council says what NATO in general and Poland in particular should do to “counter a resurgent Russia.” The threat of such an attack is imminent, the report states. “Even if Moscow currently has no immediate intent to challenge NATO directly, this may unexpectedly change overnight and can be implemented with great speed, following already prepared plans. The capability to do s…
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Pogba’s price tag is no surprise – Payet

Dimitri Payet thinks that his France teammate Paul Pogba will be a major asset to whichever team he plays for regardless of how much he costs to buy. Pogba, 23, has been tipped to make a €120 million switch from Juventus to his former club Manchester United. Payet played alongside Pogba during France’s run to the Euro 2016 final and the West Ham playmaker feels it is only natural that the midfielder would be attracting such interest. “All I know is that Pogba is an exceptional player,” Pa…
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Target Retirement Funds: A Good Option for Your Retirement?

Target retirement funds (also known as target-date or life cycle funds) are designed to be stand-alone retirement investments. These funds, offered by several companies such as Vanguard and T. Rowe Price, gradually shift your asset allocation over time from a growth-oriented approach when you’re young to a lower-risk conservative portfolio as you get older. Purchase a digital-only subscription now for unlimited online access to local news and information. In a nutshell, a target retirement fund is a form of mutual fund or ETF that shifts its asset allocation over time, automating the retirement investing process. These funds have become incredibly popular in recent years, and are expected to make up half of all defined-contribution retirement assets by 2020. Stock-based funds are relatively volatile, but also have high long-term growth potential. Bond funds tend to be less volatile, but also tend to produce lower returns, since their focus is income as opposed to growth. And, some target retirement funds also use cash or equivalent funds, which can produce a small income stream, but are mainly designed to avoid losses. Target retirement funds have a “target date,” and companies that manage target retirement funds typically have a series of available funds, offered in five-year increments. For example, American Funds offers 11 different target retirement funds with target dates ranging from 2010 for people who are already retired, to 2060 for people just now entering the workforce. The funds start out with most of their allocation in stocks, and remain that way for several decades in order to take advantage of the growth potential of the stock market. Over time, they gradually shift their assets to bond funds, or even into money market funds or other cash equivalents in order to reduce volatility, preserve capital, and create income as clients approach retirement. To illustrate this, let’s take a look at two target retirement funds on opposite ends of the time spectrum. First, the Vanguard Target Retirement 2020 Fund (NASDAQMUTFUND: VTWNX) is designed for people planning to retire between 2018 and 2022. As of this writing, the fund has approximately 58% of its assets in stocks, and the other 42% in bonds. Instead of choosing investments, the fund simply invests in other Vanguard index funds, making rebalancing over time much easier. For example, as retirement approaches, the fund’s managers will gradually sell some of its stock-based fund holdings and buy more of its bond funds. For all of Vanguard’s target retirement funds, the ultimate goal is to reach a mix of 30% stocks and 70% bonds seven years after the target date is reached (2027 in this case). So, over the next 11 years, the stock allocation will decline by about 28 percentage points. For a longer-dated example, the Vanguard Target Retirement 2055 Fund (NASDAQMUTFUND: VFFVX) is intended for workers who are about 40 years away from retirement, and therefore is more focused on aggressive growth than preserving capital. In fact, the fund currently has a 90% stock/10% bond allocation, which it will keep for about the next 15 years, based on Vanguard’s other target funds’ current allocations. After that time, the allocation will gradually shift toward bonds until it reaches a 30% stock allocation in 2062. Target retirement funds are certainly a low-maintenance approach to retirement, which can be a big positive for people who don’t understand their retirement plan well, or don’t want to worry about changing their asset allocation over time. And, for investors without the time or desire to play a more active role in their retirement planning, target retirement funds can be a good option. On the downside, since different firms manage their target funds differently, there is no index on which to judge their performance. For example, an S&P 500 index fund can be compared to the S&P 500 — no similar comparison exists with target retirement funds. Also, target retirement funds don’t take individuals’ risk tolerance and objectives into account. For example, the 2020 fund I mentioned earlier is already 42% bond-based, even though its target clientele is still nearly five years from retirement. Many investors would prefer to maintain more of a stock allocation at that point. As a final thought, it’s important to be aware of the fees associated with target retirement funds. Some, like those offered by Vanguard and TIAA-CREF, just to name a couple, offer low fees that are comparable to what you would expect with standard funds. In Vanguard’s case, the only fees are those passed through from the underlying stock and bond funds. However, Morningstar found that the average target retirement fund came with an expense ratio of 0.91% — a bit on the high end. So, before choosing a target retirement fund, compare it to some of your other investment options. I’m strongly in favor of selecting individual stocks and funds to invest in, as I believe it is the best way to maximize your retirement account’s potential. And, in the interest of full disclosure, if you look at a list of my portfolio’s holdings (available here), you won’t find a target retirement fund anywhere. Then again, I have the time and desire to research investments and allocate my retirement savings appropriately. Having said that, if you don’t want to worry about asset allocation and maintaining your retirement portfolio over time, there is absolutely nothing wrong with selecting a low-cost target retirement fund. If you’re like most Americans, you’re a few years (or more) behind on your retirement savings. But a handful of little-known “Social Security secrets” could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $15,834 more… each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we’re all after. Simply click here to discover how to learn more about these strategies. Matthew Frankel has no position in any stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy. Keep it clean. Exchange ideas and opinions on posted articles. Don’t promote products or services, impersonate other site users, register multiple accounts, threaten or harass others, post vulgar, abusive, obscene or sexually oriented language. Don’t post content that defames or degrades anyone. Don’t repost copyrighted material; link to it. In other words, stick to the topic and play nice. Report abuses by clicking the button. Users who break the rules will be banned from commenting. We no longer issue warnings. Use the ‘Report’ link on each comment to let us know of abusive posts.
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Germans fear their country next target for terrorism

More than three-quarters of Germans believe their country will soon be the target of terrorism, a survey showed on Friday, after a 17-year-old …
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LETTER: In Grand Forks, downtown-library logic falls apart

This fails Logic 101. The best location for a library is in fact the current location, whether we renovate or rebuild. In reference specifically to Jack Weinstein’s Viewpoint, “Downtown library benefits all of Grand Forks” (Page A4, July 12), and other suggestions that a downtown library will attract business, this should be the least important criterion for a public library location. What about accessibility and parking? What about space for expansion? What about green space for the lunch prog…
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Kandi Mall owners plan improvements, want abatement

(Willmar MN-)  The owners of the Kandi Mall in Willmar want to begin dividing-up the old K-Mart Space that has sat vacant for the past 4 years and turn it into space for several nationally-known retailers. Rockstep Capital of Houston Texas also wants to put up a new building on the southwest corner of the mall property, but they want a 1.5 million dollar tax abatement from the city, Kandiyohi County and the Willmar School District to help them do it. Aaron Backman of the Willmar and Kandiyohi County Economic Development Commission says they support the project and the abatement…
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Former UW Student Sentenced to Prison for Armed Robbery of Laramie Kmart

A man who admitted in April to using a fake gun to rob the Laramie Kmart pharmacy of a large quantity of painkillers in 2013 was sentenced to prison Thursday in Albany County District Court. Judge Jeffrey Donnell sentenced 27-year-old Michael Luke Yerkovich of Rock Springs to a three- to eight-year prison term with credit for the 30 days he has already served. Donnell included a recommendation that Yerkovich be placed in the intensive treatment unit and continue to receive his prescribed medica…
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Robbery defendant sentenced

A former University of Wyoming student was sentenced to 3-8 years in prison Thursday in District Court after robbing the Laramie Kmart pharmacy of more than $700 worth of prescription medication three years ago. Robbery defendant sentenced By NURIA MATHOG nuriam@laramieboomerang.com laramieboomerang.com | 0 comments Michael Luke Yerkovich, 27, of Rock Springs, pleaded guilty in April to felony robbery, after initially denying the charge in January. Addressing the court Thursday morning, Ye…
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Pet Care

Pet Care

This is the Meijer Logo, for the Meijer ecommerce site, and the link goes to the home page. Your Account … Back To School. Back to Shop Meijer …
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Two charged with 5-year felonies in hefty shoplifting complaints

BAY CITY, MI — In unrelated incidents, two people are facing five-year felonies due to police alleging they stole hefty amounts of property from Bay County Meijer and Kmart stores. The first incident occurred at the Meijer at 2980 E. Wilder Road in Monitor Township on Tuesday, May 10. A Michigan State Police trooper responded to the store for a shoplifting complaint, being advised the female suspect and her small child had left the site on foot prior to his arrival, court records show. A Bay …
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Meijer gift card $109 on it want $50

Meijer gift card. … Meijer gift card $109 on it want $50. $50. Meijer gift card. Read More. $50. Posted in More Categories, Gift Cards in Port Huron Area …
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Home – Outdoor Decor

Home – Outdoor Decor

Home – Outdoor Decor – – Online Shopping for Canadians – Kim & Co. Brazil Knit Turn Around Tunic & Denim Knit Cropped Legging SetMarallis …
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Italian Jewellery

Jewellery – Italian Jewellery – – Online Shopping for Canadians – Kim & Co. Brazil Knit Turn Around Tunic & Denim Knit Cropped Legging SetSterling …
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Fashion – Clearance

Fashion – Clearance – – Online Shopping for Canadians – Kim & Co. Brazil Knit Turn Around Tunic & Denim Knit Cropped Legging SetSterling Silver …
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Fashion Jewellery & Watches Sale

Jewellery – Fashion Jewellery & Watches Sale – – Online Shopping for Canadians – Kim & Co. Brazil Knit Turn Around Tunic & Denim Knit Cropped …
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Diamond Jewellery Sale

Jewellery – Diamond Jewellery Sale – – Online Shopping for Canadians – Kim & Co. Brazil Knit Turn Around Tunic & Denim Knit Cropped Legging …
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FastCare to open at Meijer

FastCare to open at Meijer

Jacquelyn DeBruler, health and wellness director at Meijer, said the company is committed to expanding convenient access to health care providers.
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Cadillac Meijer Hosts Red Wings’ Street Hockey Summer Tour

The Red Wings’ Street Hockey Summer Tour made its second stop in Cadillac, Wednesday morning, hosting two sessions for young, local hockey fans. Since many of the participants could walk, hockey has been a part of their lives. For some, the sport is in their blood, as they grew up watching their older siblings play on the ice. Others have grown up watching the Red Wings play, so when they found out the team’s next stop was Cadillac, the participants were ecstatic for the opportunity…
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The Fendirumi to Pop Up at Harrods

WWD · Footwear News · Beauty Inc · M · Fairchild Summits · WWD Magic · FN Platform WWD.com is the authority for news and trends in the worlds of fashion, beauty and retail. Featuring daily headlines and breaking news from all Women’s Wear Daily publications, WWD.com provides the most comprehensive coverage anywhere of fashion, beauty and retail news and is the leading destination for all fashio…
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Nº21 Releases An Exclusive Capsule Collection For Harrods

then you’ll be pleased to know that the label has just released an exclusive collection for Harrods in all new colourways. The shoes are available in a …
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Harrods teams up with Burberry for exclusive holiday collection

A file picture of British department store Harrods. — AFP pic LONDON, July 20 — Department store Harrods has joined forces with British brand Burberry to launch a set of holiday initiatives and an exclusive capsule collection ahead of the Christmas season. The activities, branded under the banner “A Very British Fairy Tale”, are due to kick off in November and will include a holiday-themed winter window instalment at the Harrods Brompton store, which follows two children on an imaginati…
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dollar general open interviews – 7/21/16

LET’S GROW TOGETHER! JOIN DOLLAR GENERAL FOR OPEN INTERVIEWS! THURSDAY, JULY 21ST NOON – 2:30PM 201 MONTANO RD NW ALBUQUERQUE, NM 87107 Interested candidates may apply prior to the Interview by copying the link below and pasting it into your browser: www.dollargeneral.com/careers Search by Location Serving others is our mission. Make it yours. EOE M/F/D/V…
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Cramer: American shoppers have changed—the secret to success in retail

Cramer: American shoppers have changed—the secret to success in retail Jim Cramer cracks the code to being a great retailer in America, and shares the stocks to watch this quarter. As many U.S. retailers struggle to keep up with a changing consumer these days, Jim Cramer has cracked the code for success. “You have to understand, this country has changed. Americans want off-price retailers to give them high quality branded apparel at everyday low prices,” the “Mad Money” host said. Cramer …
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Crime Stoppers: Dollar General Aggravated Robbery

Crime Stoppers needs your help finding the person who robbed Dollar General last Monday at gunpoint, at 4701 Southwest Parkway. It happened at around 10:40 pm. Officers say a black female entered the store wearing a navy blue shirt and shorts, blue baseball cap, black tennis shoes, and black framed reading glasses. She pulled out a silver semi- automatic pistol, and told both employees to give her all the money from the register and safe before getting away with an unknown amount of cash. If yo…
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Police seek man in armed robbery at Lawrence Dollar General store

Police said they’re looking for a man who robbed a Dollar General store in Lawrence at gunpoint Monday afternoon. Officers said they were called to the store at 1001 N. Third St. about 2:30 p.m. Witnesses said the gunman got some cash from the register and ran away. He was last seen heading south from the store, investigators said. No injuries were reported. Police said the man is white, had facial hair and was wearing a green T-shirt over a long-sleeve white shirt, blue jeans and dark-colored …
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Man Points Gun in Child’s Face, Steals Bicycle, Robs Dollar Store in Hamden: Police

Hamden, CT – Police are asking the public for help to find the suspect who allegedly pointed a gun “in the face” of a 9-year-old boy, stole his bicycle and then tried to steal items from Dollar General, police said in a news release. Police said at 6 p.m on Friday, July 15 officers responded to Dollar General, 1926 State Street, on the report of shoplifting. Investigation revealed that an individual, described as a white or Hispanic male, 40’s, who was wearing a baseball hat, attempted to lea…
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Tragedy Triggers Response Plan Review

Although the downtown Dallas branch of Liberty One was closed to walk-in traffic Friday, all but one of its employees reported to work. “A couple of the branch employees I talked to said they were a bit uneasy when they first drove downtown,” Liberty One President/CEO Mike Funk said. “The federal building that we’re in is pretty well-guarded and I think employees felt OK. Nobody I talked to seemed to be uncomfortable or anything like that. We didn’t require our employees…
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Pet Lover

Free shipping & free returns on pet beds at Neiman Marcus. Also take a look at personalized dog collars at neimanmarcus.com.
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Lingere/Hall chests from Neiman Marcus

post id: 5688077630 posted: 2016-07-17 9:42pm email to friend ♥ best of [?] Avoid scams, deal locally Beware wiring (e.g. Western Union), cashier checks, money orders, shipping….
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Rina Limor Signature Opal & Turquoise Teardrop Earrings with Diamonds

… Signature Opal & Turquoise Teardrop Earrings with Diamonds at Neiman Marcus. Shop the latest selection of top designer fashion at Neiman Marcus.
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Neiman Marcus Silver Top Hat ice bucket

condition: excellent make / manufacturer: Lunares – San Francisco model name / number: Elegant silver top hat cooler size / dimensions: W 7″ by H 10″ Avoid scams, deal locally Beware wiring (e.g. Western Union), cashier checks, money orders, shipping….
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Police: Man stole car, pointed gun at owner

A Glen Rock man is accused of stealing a woman’s car and pointing a gun at her when she tried to get it back. Nicholas Dean Puelzt, 23, of 6 Manchester St., is charged with two counts of receiving stolen property, and one count each of flight to avoid apprehension, theft by unlawful taking, terroristic threats, simple assault, harassment, as well as summary traffic charges, according to charging documents. Police say Puelzt stole the vehicle from a North York home on July 11, and was found w…
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Maryville Wal-Mart adds grocery pickup service

Brianna Bivens | The Daily Times Wal-Mart employee Brian Brantley loads groceries into a customer’s car at the Maryville store Friday. Wal-Mart added its online grocery pickup service to the Maryville store Thursday. Wal-Mart employee Kara Young (right) opens a carton of eggs so Karlie Kittrell (left) and Lyrea Tipton, 9 months, can check them Friday at Wal-Mart’s online grocery pickup in Maryville. Wal-Mart employee Brian Brantley (left) and Boyce Smith, Wal-Mart’s e-commerce manager for …
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“Hug a cop” event at Gates Walmart on Saturday

July 16, 2016 09:47 PM The Gates Police Department gave out free hugs at Saturday’s “Hug a Cop” event at the Gates Walmart Store on Chili Avenue. On their Facebook page, Gates police saif that the event ran until 2 p.m. Gates police say that Walmart offered pictures for free that show you hugging a cop, and that there will also be ice cream. The event was held as a partnership between Gates police and Walmart.  Gates police say this event came in the wake of the tragic…
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Inventory Management Planner

The Walmart.com Merchandising Team is looking for individuals who can collaborate and thrive in a dynamic environment, demonstrate and foster …
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Wal-Mart’s owls have returned to America, but the jobs haven’t

Wal-Mart Stores has been good to America’s Great Horned Owl. Not the real bird — the plastic one. As part of a much-hyped effort to bring factory jobs …
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Lowcostholidays travel agency goes bust leaving the summer holidays of 110000 Britons at risk

Following a number of attempts to rescue the group, which operated a travel agency business in the UK, it today announced that it had ceased trading More than 137,000 travellers had their summer holidays thrown into chaos after one of Britain’s biggest online booking firms collapsed. It currently has 27,000 customers overseas on holidays, and a further 110,000 who have booked trips and were hoping to go abroad in the next few weeks.  Many now face uncertainty over whether they will get some or any of their money back. And it also emerged many already abroad could be forced to fork out extra for hotels, airport transfers and car parking as these bills may not have been paid by the operator. It is thought all flights home are covered, but those who have yet to make a trip risk losing their summer holiday altogether. The collapse of LowCostHolidays is particularly controversial because while it sells trips to British customers, its offices are in Spain. When it moved from the UK in 2013 it stopped being covered by an industry safety-net run by travel body ATOL, which protects travellers if the firm they booked with has gone bust. British airlines regulator the Civil Aviation Authority had tried to block LowCostHolidays from leaving the ATOL scheme – but failed. A sales adviser from LowCostHolidays told the Mail that the firm’s 80-strong sales team, which remained in the UK, had still been selling holidays to customers just hours before the firm went into administration. He said yesterday: ‘It seems unethical that the firm was still taking bookings this morning and its website was up and running. It must have known it was in trouble. I had one chap ring up and pay £3,000 for his trip.  The Lowcosttravelgroup was founded in 2004 by CEO Paul Evans and evolved into a €700m business with some 500 staff worldwide ‘I told him that he may as well pay with his debit card because no travel business would go bust over the summer because things were so busy.’ The collapse of LowCostHolidays comes ahead of the busiest few days of the year for travel operators, as most schools break up next week. LowCostTravelGroup operated travel agencies from the UK and offices in Spain, Switzerland and Poland and had annual sales of £500million. It sold hotel accommodation to holidaymakers through its LowCostHolidays site and to other travel agents through its LowCostBeds company. Holidaymakers are already cancelling their trips to Nice in the wake of the terror attack, which left 84 dead. The reports came as easyJet and British Airways offered people flying to the Riviera resort the option to change their destination or travel dates without charge. Meanwhile the Foreign Office warned that there is ‘a high threat from terrorism’ in France, which is visited by more than 17million Britons every year. Yesterday Denis Cippoloni of Nice’s hotel association said: ‘We’ve had a flood of cancellations since last night.’ A spokesman for The Association of British Travel Agents issued a statement encouraging holidaymakers to check with their tour operators before travelling to France. She also urged Britons in Nice to ‘follow the instructions of French authorities, who are at present advising people to stay indoors at this time’, adding: ‘Travellers should remain alert and vigilant, especially in places where there is a high concentration of people.’ Around 120 staff were employed by the company at Gatwick and their jobs are now at risk. Sales staff were mainly self-employed and are now owed thousands of pounds in unpaid earnings. Last night as news of the collapse became known, confused customers frantically left messages for the company on its Facebook page. One customer, Melissa King, said: ‘What does this mean? I paid for my holiday and leave on the 28th July. Everything has been confirmed and paid for. What does this mean? Where do we stand?’ Another, Terina Hounsell, said: ‘We have a holiday booked in December, taking our granddaughter on her first holiday. Does this mean it is not secure?’ LowCostHolidays owner Paul Evans is understood to live in Majorca. He was privately educated and once lived in a £1.9million, four-bedroom, three-bathroom property in Fulham, West London. Mr Evans has regularly appeared on TV as a travel expert and has made appearances on Steve Wright’s Radio 2 show. He could not be reached for comment. In 2013, the CAA warned holidaymakers to be cautious about booking with LowCostHolidays, after the firm announced its move to Majorca. Customers have been urged to contact their travel insurer. Despite not being covered by the UK scheme, trips should be covered by an alternative Spanish version – though refunds could take months. Accountancy firm Smith & Williamson has been appointed administrator. Partner Finbarr O’Connell claimed the collapse was due to Brexit. He said: ‘The group experienced significant headwinds before the EU referendum… compounded by the Leave vote itself.’  The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline.
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Holiday firm Lowcostholidays goes bust affecting 110000 holidaymakers

Bosses of a bust holiday firm have blamed the UK’s ‘turbulent financial environment’ for its demise. Thousands of holidaymakers have seen their holiday plans thrown into chaos after online travel firm Lowcosttravelgroup, and its lowcostholidays.com arm, went into administration. Company bosses say they had made ‘exhaustive attempts’ to rescue the group but were hampered by ‘the recent and ongoing turbulent financial environment’. Around 27,000 customers are currently in resorts wh…
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What will happen to my lowcostholidays trip – and can I get my money back?

Thousands of holidaymakers have seen their holiday plans thrown into chaos after online travel firm Lowcosttravelgroup went into administration. Company bosses say they had made ‘exhaustive attempts’ to rescue the group but were hampered by ‘the recent and ongoing turbulent financial environment’. Around 27,000 customers are currently in resorts while 110,000 are yet to travel. A statement on the company website reads: “We deeply regret to announce that the lowcosttravelgroup (“LCTG…
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Lowcostholidays goes into administration with warning to travellers

Administrator Smith & Williamson says collapse could affect 27,000 people already on holiday and 110,000 with bookings The budget tour operator Lowcostholidays has gone bust, warning customers already on holiday that they could be asked to pay their hotel bills again and potentially ruining the summer plans of tens of thousands of Britons yet to travel. Smith & Williamson, which has been appointed as administrator, said in a statement that there were approximately 27,000 customers curre…
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HOLIDAY FIRM FEARS Tens of thousands face losing the money they have spent on summer …

HUNDREDS of thousands of British travellers face losing their holidays – and their money – after the Lowcostholidays group went bust last night. The online travel company had 27,000 passengers currently in resorts across the globe and more than 110,000 customers with forward bookings for the peak summer months and beyond. And THOUSANDS will not be able to get their money back – or their holiday – as the company did not have an ATOL licence. While the 27,000 in resort wil…
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