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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.

The drawbacks of pension drawdown
Pensions

The drawbacks of pension drawdown

Income drawdown – tapping your pension savings for income – can be risky, says David Prosser. Here's what to watch out for.
11 Aug 2020
Covid-19 sees a surge in early retirement
Pensions

Covid-19 sees a surge in early retirement

The number of people taking early retirement has risen by more than ever before, says the ONS – in part because of problems in the labour market cause…
7 Aug 2020
Will insurers cough up over Covid?
Small business

Will insurers cough up over Covid?

Hundreds of thousands of small businesses should hear in September whether their insurers are legally bound to pay out on business interruption polici…
3 Aug 2020
HMRC defers tax deadline for millions of self-employed people
Small business

HMRC defers tax deadline for millions of self-employed people

The coronavirus pandemic means the 31 July payment on account date has been postponed for six months.
31 Jul 2020
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Don’t be tempted to transfer out of your final salary pension scheme
Pensions

Don’t be tempted to transfer out of your final salary pension scheme

Switching out of final-salary schemes is very rarely a good idea, no matter how much money is on offer
29 Jul 2020
Bounce Back loans pass the one million mark
Small business

Bounce Back loans pass the one million mark

More than one million small and medium-sized enterprises have now taken out Bounce Back loans.
17 Jul 2020
The mini-Budget boost for small companies
Small business

The mini-Budget boost for small companies

Government cash is on offer for small businesses that retain staff and recruit new workers.
17 Jul 2020
This landmark pension case could mean big payouts
Pensions

This landmark pension case could mean big payouts

Defined-benefit members in bankrupt firms’ pension schemes could be due a payout after a landmark High Court judgment.
10 Jul 2020
Bank of England sceptical about pension superfunds
Pensions

Bank of England sceptical about pension superfunds

Plans for “pension superfunds”, cleared by industry regulators in recent weeks, could pose a threat to financial stability.
10 Jul 2020
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How to prepare your business for the return to work
Small business

How to prepare your business for the return to work

Riding the rebound will take careful preparation for small business owners. Here’s what to consider.
5 Jul 2020
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Deadline looms for self-employed to get government help
Small business

Deadline looms for self-employed to get government help

Time is running out to secure help from the first round of the Self-Employment Income Support Scheme.
3 Jul 2020
How the pandemic has affected your pension scheme
Pensions

How the pandemic has affected your pension scheme

It’s time to review the effect of Covid-19 on your retirement savings and take any necessary action.
30 Jun 2020
HMRC to claw back unneeded aid from businesses
Small business

HMRC to claw back unneeded aid from businesses

Businesses that claimed money they didn’t need face trouble if they are found to have breached the schemes' terms.
19 Jun 2020
Have you been furloughed? Here's how it could hit your pension entitlement
Pensions

Have you been furloughed? Here's how it could hit your pension entitlement

Your pension savings could be squeezed by the state's furlough scheme – and its withdrawal.
16 Jun 2020
Women are missing out on state pension money
State pensions

Women are missing out on state pension money

Hundreds of thousands of women are being paid less state pension than they are owed because of government errors.
12 Jun 2020
State support for small businesses on the slide
Small business

State support for small businesses on the slide

Government aid for small firms is winding down. Make plans now.
6 Jun 2020
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An update for the business-rate support scheme
Small business

An update for the business-rate support scheme

The government has added £600m to plug the gap in its small business rates relief scheme for businesses in shared-office buildings.
5 Jun 2020
Should you put off paying your VAT bill?
Small business

Should you put off paying your VAT bill?

Just because you can put off your VAT bill doesn’t mean you should. It is a loan, not a cancellation of the debt.
5 Jun 2020
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Landmark ruling puts pension tax relief in jeopardy
Pensions

Landmark ruling puts pension tax relief in jeopardy

Savers who made in specie contributions to pensions – transferring assets such as art or property instead of paying in cash – could face big bills
1 Jun 2020
Savers tap in to their pensions as Covid-19 saps cash
Pensions

Savers tap in to their pensions as Covid-19 saps cash

Covid-19 hardship is leading record numbers of people to dip into their pension savings early.
30 May 2020
A Sipp provider can’t do your research for you
Pensions

A Sipp provider can’t do your research for you

Execution-only platforms have no responsibility to protect you from your own bad investment decisions, a court has ruled.
29 May 2020
Small business: how to prepare your staff for the return to work
Small business

Small business: how to prepare your staff for the return to work

Small businesses contemplating how to respond to the prime minister’s call to return to work need to tread carefully.
27 May 2020
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Small business: how to approach job cuts
Small business

Small business: how to approach job cuts

Strict rules govern the redundancy process. Prepare very carefully if you're intending to cut jobs in your business.
27 May 2020
Small firms get trade-credit lifeline
Small business

Small firms get trade-credit lifeline

Small businesses dependent on trade-credit insurance have been thrown a lifeline by a new government pledge to stand behind such policies.
22 May 2020
What to do if your employer is skimping on pension contributions
Pensions

What to do if your employer is skimping on pension contributions

Many employers are cutting their contribution to workplace pension scheme to save money . Here's what you can do.
19 May 2020
Lockdown chores for pension savers
Pensions

Lockdown chores for pension savers

Add tracing your old forgotten pensions to the list of chores to do with your lockdown free time.
16 May 2020
Small businesses: dealing with your landlord and suppliers
Small business

Small businesses: dealing with your landlord and suppliers

For many small businesses, the key to getting through the Covid-19 pandemic may be negotiating a sympathetic arrangement with the landlord or key supp…
12 May 2020
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Beefed up government loan scheme brings big help for small firms
Small business

Beefed up government loan scheme brings big help for small firms

The government’s Bounce Back loan package for small businesses affected by the Covid-19 crisis is exceptionally generous.
7 May 2020
What being furloughed means for your workplace pension
Pensions

What being furloughed means for your workplace pension

An enforced break from work will chip away at your retirement savings. What are your options?
2 May 2020
Pensions Regulator freezes transfers out of final salary pension schemes
Pensions

Pensions Regulator freezes transfers out of final salary pension schemes

Amid the Covid-19 panic, the Pensions Regulator has given 5,500 defined benefit pension schemes the right to suspend all transfers for up to three mon…
1 May 2020
Government patches up small business loan scheme
Small business

Government patches up small business loan scheme

Changes to the Coronavirus Business Interruption Loan Scheme, under which the government guarantees 80% of loans made by banks and lenders, are having…
24 Apr 2020
Coronavirus crisis hits occupational pension schemes
Pensions

Coronavirus crisis hits occupational pension schemes

A sharp fall in stocks and bond yields has damaged occupational pensions, endangering benefits.
20 Apr 2020
Gated property funds hit income drawdowns
Pensions

Gated property funds hit income drawdowns

Many property fund managers have banned savers from withdrawing money.
17 Apr 2020
Government revamps loan scheme for small businesses
Small business

Government revamps loan scheme for small businesses

The tweaks to the government’s coronavirus aid package should help small companies
10 Apr 2020
Start-ups could be finished without government help
Small business

Start-ups could be finished without government help

Many start-up companies are unlikely to qualify for help from the government’s Business Interruption Loan Scheme.
10 Apr 2020
Coronavirus: how are my pension savings affected and what should I do?
Pensions

Coronavirus: how are my pension savings affected and what should I do?

Falling markets will have taken a bite out of your pension savings. Here are the key questions to consider.
7 Apr 2020
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