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No oral modification clauses - the implications

Aaron Marshall
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“No oral modification” clauses (hereafter, NOM clauses) are oftentimes employed in commercial contracts to prevent parties from varying terms of a contract via means which are other than the agreed upon form, e.g. varying the contract in writing...

5 tips not to lose out by shunning annuity guarantees

Simon Taylor
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Since increased pensions freedoms were established in April 2015, the FCA says that £3 billion worth of annuities have been rejected by over 55s. Now, nearly three in five over 55s are refusing the guaranteed annuity rate (GAR) offered to them by their...

December Market Commentary

Richard Eastwood
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Introduction It is always difficult writing a report like this, as you are always trying to ‘hit a moving target.’ While you can record the stock market levels at the close of business on, say,  30th November, there is always the...