AUTHOR

David Prosser

David Prosser is a freelance journalist with more than 20 years of experience writing about personal finance, business, economics and entrepreneurship. A former business editor of The Independent and personal finance editor of Express Newspapers, David has also written for The Times, The Guardian, The Observer, The Financial Times and a range of specialist magazines and websites.

Visit/economy/small-business/600815/small-business-exporting
Small business

How to start exporting with your small business

Small businesses aren’t exporting enough. They need to do their homework, says David Prosser
19 Feb 2020
Visit/economy/small-business/600816/beware-the-rogue-energy-suppliers
Small business

Beware the rogue energy suppliers

Ofgem has warned small businesses to be on their guard against rogue “energy brokers” flogging poor-value gas and electricity contracts.
18 Feb 2020
Visit/personal-finance/pensions/state-pensions/600781/how-much-extra-state-pension-you-will-get-if-you
State pensions

How much extra state pension you will get if you delay claiming it

If you delay claiming your state pension by a year or two you could end up much better off in retirement.
13 Feb 2020
Visit/personal-finance/equity-release/600780/equity-release-how-to-tap-your-house-for-cash
Equity release

Equity release: how to tap your house for cash

The pros and cons of releasing equity from your home compared with moving to a smaller one
10 Feb 2020
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Visit/economy/small-business/600731/how-to-monetise-your-companys-website
Small business

How to monetise your company's website

If your company has a website, make sure it’s attracting visitors
5 Feb 2020
Visit/personal-finance/600674/pass-on-your-pension-without-paying-inheritance-tax
Personal finance

Pass on your pension without paying inheritance tax

The 2015 pension reforms make it easier for you to ensure your heirs avoid inheritance tax when you die
29 Jan 2020
Visit/personal-finance/600675/pension-contributions-what-you-need-to-declare-on-your-tax-return
Personal finance

Pension contributions: what you need to declare on your tax return

Make sure you don't forget to declare your pension contributions in your tax return
28 Jan 2020
Visit/economy/small-business/600658/is-your-business-paying-enough-vat
Small business

Is your business paying enough VAT?

Any business with annual sales of more than £85,000 must be registered for VAT.
23 Jan 2020
Visit/economy/small-business/600657/small-business-how-to-chase-late-paying-customers
Small business

Small business: how to chase late-paying customers

Many small business have trouble getting their customers to pay up on time. Here's what you can do about it.
23 Jan 2020
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Visit/520334/why-you-should-set-up-a-pension-for-your-children
Advice

Why you should set up a pension for your children

When you set up a pension for your children, the power of compound interest will provide a huge boost to their savings by the time they retire.
10 Jan 2020
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Visit/520095/where-to-find-funds-for-your-firm
Small business

Small business: where to find funds for your company

There are plenty of potential sources of money to help your startup business flourish, says David Prosser.
7 Jan 2020
Visit/519728/why-it-pays-to-move-your-occupational-pension-out-of-its-default-fund
Pensions

Why it pays to move your occupational pension out of its default fund

If you’re a member of an occupational pension scheme, moving your savings out of its default investment fund could significantly increase your wealth …
22 Dec 2019
Visit/519730/should-you-take-a-25-lump-sum-from-your-pension-fund
Pensions

Should you take a 25% lump sum from your pension fund?

If you’re approaching retirement, think twice before exercising your right to take 25% of your pension fund savings as a tax-free cash lump sum.
20 Dec 2019
Visit/519731/why-you-should-keep-a-close-eye-on-your-national-insurance-contributions
Pensions

Why you should keep a close eye on your National Insurance contributions

The state pension now requires a 35-year record of National Insurance payments to get the maximum payment. Check your record is correct, because any m…
20 Dec 2019
Visit/519469/get-your-business-ready-for-ir35
Small business

Get your business ready for IR35

IR35 – the tax rules distinguishing freelancers from employees – are getting tougher. Here's how to make sure our business can cope.
18 Dec 2019
Visit/519097/dont-get-caught-by-the-pension-contributions-cap
Pensions

Don’t get caught by the pension contributions cap

It’s easier to breach your annual pension contributions allowance than you might think. Here's how to make sure  you don't go over it.
11 Dec 2019
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Visit/518850/a-business-rates-rethink-looms
Features

How to make sure your business rates bill isn't too high

All three of the main political parties are promising a rethink of the business rates system. Until then, here's how to make sure you're not paying to…
4 Dec 2019
Visit/518346/tread-carefully-if-youre-thinking-about-equity-release
Equity release

Tread carefully if you're thinking about equity release

The equity release market is getting its act together. But the cost means tapping your property for cash should be a last resort for most people. 
25 Nov 2019
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Small business

How to protect your business's intellectual property

It’s not just tech giants with new inventions that need to keep their intellectual property safe.
20 Nov 2019
Visit/517577/pensions-income-drawdown-time-bomb
Pensions

The pension income-drawdown time bomb

Some pension savers being paid a regular income from their retirement funds could be heading for disaster.
13 Nov 2019
Visit/517304/if-your-business-employs-freelancers-beware-of-regulatory-changes
Small business

If your business employs freelancers, beware of regulatory changes

Changes to rules governing contractors and freelancers are coming in April – make sure your business is ready.
6 Nov 2019
Visit/516958/a-final-salary-pensions-muddle
Pensions

A final-salary pensions muddle

People saving into a final-salary pension scheme who are receiving compensation for past discrimination may end up with big tax bills.
30 Oct 2019
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Visit/516255/small-business-the-best-card-readers-to-use-for-accepting-digital-payments
Small business

Small business: the best card readers to use for accepting digital payments

As cash falls out of favour, small businesses need to be able to accept digital payments. Updating your payment systems is key. David Prosser picks th…
16 Oct 2019
Visit/516256/hang-up-on-your-telecoms-provider
Small business

Hang up on your telecoms provider

If your business is spending more than ever on phone and broadband, now is the time to look around for a better deal.
16 Oct 2019
Visit/516007/how-the-governments-pension-protection-fund-works
Pensions

How the government's Pension Protection Fund works

The Pension Protection Fund deals with defined-benefit schemes when an employer goes bust. David Prosser explains how it works.
9 Oct 2019
Visit/515697/backing-business-debt
Small business

Small business owners should beware when backing their business debt

A personal guarantee makes you liable for your firm’s debt. Tread very carefully.
2 Oct 2019
Visit/515254/the-pension-consolidation-trap
Pensions

Beware the pension consolidation trap

Financial advisers and pension providers routinely tell savers to consolidate their disparate pension pots into a single plan. But it isn’t the no-bra…
25 Sep 2019
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Visit/515260/doctors-pension-row-spreads-to-other-arms-of-the-public-sector
Pensions

Doctors’ pension row spreads to other arms of the public sector

The crisis that has seen doctors refuse to take on extra shifts has spread to other public sector workers.
25 Sep 2019
Visit/515259/if-you-retire-later-tell-your-pension-provider
Pensions

If you intend to retire later than originally planned, tell your pension provider

If you intend to retire later than you originally anticipated, make sure you share your plans with your pension provider, or you could miss out on val…
25 Sep 2019
Visit/514735/key-person-insurance-for-small-businesses
Small business

What should a small business do when the boss drops dead?

Key person insurance can help small businesses cope with the loss of crucial staff.
18 Sep 2019
Visit/514320/should-you-transfer-your-defined-benefit-pension-scheme-to-a-money-purchase-scheme
Pensions

Should you transfer your defined-benefit pension scheme to a money purchase scheme?

Financial watchdogs have made it clear that they believe transferring money out of a defined-benefit pension scheme is a bad idea for most people. And…
11 Sep 2019
Visit/513831/new-tools-for-small-sellers-on-amazon
Small business

Amazon's new tools for small sellers

Amazon has launched 150 separate tools and services this year designed to help small sellers operating through its marketplaces.
3 Sep 2019
Visit/513830/where-small-businesses-can-get-help-finding-apprentices
Small business

Where small businesses can get help finding apprentices

Many small businesses are keen to take on young apprentices. Here's where to get help.
2 Sep 2019
Visit/513684/companies-cut-back-on-their-pensions-bills
Personal finance

Companies cut back on their pensions bills

Britvic is the latest firm hoping a cheaper inflation index will cut pension costs. David Prosser reports.
28 Aug 2019
Visit/513297/how-to-fund-your-firm
Personal finance

How to fund your firm

Need to raise money? Look beyond the bank, says David Prosser.
21 Aug 2019
Visit/512630/make-sure-you-dont-lose-your-pension-credit
Pensions

Make sure you don’t lose your pension credit

Time is running out for thousands of people to avoid missing out on a top-up to their pension income following changes to the rules introduced in May.…
14 Aug 2019
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