Insights on finance, law, theology, and advisory by Shane St Reynolds
If ATO debt is escalating, speed matters, but speed without an exit plan is how a tax problem turns into a property problem. A property-secured business loan can buy time for a business or investment purpose, but only if the security, costs and repayment path stack up before enforcement pressure hardens.
In premium property, the expensive mistake is rarely over a benchtop or paint colour. It is buying a view, a brand or a brochure before you have checked the body corporate records, planning limits, flood exposure and title conditions that decide whether the asset is actually worth the money.
A second mortgage can free up business funds without touching your first lender, but speed is not the main question. The real test is whether the exit stacks up after fees, priorities and discharge conditions are checked properly.
Most invoice scams are not defeated by better eyesight. They are stopped by one hard rule: never send an international payment to a first-time or changed beneficiary until the payee has been independently verified outside the email chain.
Most borrowers start with rate and get the order wrong. On private and commercial lending, repayment priority and approval status usually matter first because they determine whether the deal can settle at all.
Most failed takedown attempts are not weak on facts. They fail because the complaint is sent to the wrong platform form, the wrong legal category or the wrong regulator. Classify the harm first, and your odds of removal improve fast.
After a long break, I’m excited to reconnect with my work and the people I’ve had the privilege of helping.
Tonight at the Art Gallery of WA I heard the Archbishop of York, Stephen Cottrell, reflect on Stanley Spencer’s Christ in the Wilderness paintings. Here is why that collection matters, and a selfie to remember it by.
John Sandeman's follow-up story in The Other Cheek on the Perth Anglican Synod's motion supporting a WA conversion therapy ban, quoting my original coverage for Street Angel.
