By John Dunnery Whether you’re a water polo player or a chess fanatic, a piano aficionado or an aspiring chef, there are times when you want to achieve peak performance. Perhaps you are taking a test, performing in a competition, or playing in a championship game. Maybe a special friend

Facing redundancy can seem very daunting, with many things to consider both financially and for the future. You may have heard of something called a ‘Settlement Agreement’, but what is a Settlement Agreement? Does everyone need one? And how do you get one?