As I swim along the surface of the ocean I notice a school of bait fish flash sideways, spooked by an unseen predator.
I take a few slow deep breaths and sink below the surface, speargun tucked close to my body heading towards the bottom.
Life is good, right?...You feel on top of the world, family are all well and business is kicking goals.
But then you get seriously ill or have a major accident. Or worse still, you die. Whats this mean for your family?
Some good opinion on buying property, originally appeared in SMH on August 15, 2012.
House prices may be treading water, but a good investment can still be found if the focus is on yield with realistic views on the prospect of price growth.