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I watched a beautiful Westsail 32 enter the harbor obviously freshly launched and looking like a million bucks.  My first comment was that he must have local knowledge because I would never consider anchoring where he did.  The next morning he was high and dry.

Westsail 32

Insurance in an interesting beast and one I will never fully understand.  For the record I do have a policy on Sookie but only until we set off, then it becomes completely un-affordable.  The truth is, I don’t want an insurance claim, I want my boat.  My best policy is great ground tackle.  A boat I can afford to maintain to the highest standards.  All the knowledge I can stuff into my Neanderthal brain.  and the hope that here and there when I do the stupid shit we all eventually do that I will have just a bit of luck to carry me through.

John Vogor wrote an article for Good Old Boat Magazine called The Black Box Theory.  I highly suggest you read it twice and take everything you can from it.

Health insurance is another beast to tackle.  At 45 I’m no spring chicken, I also can’t afford health insurance.  What I can do is take the best care of my mind and body that I can and in the end hope for just a little bit of luck, nobody lives forever after-all.

My choices are simple, I can live in total fear to my dying day working to pay for something I may never use, need, or want, or I can live a happy healthy life to the best of my ability and know that the one thing you can never avoid in life is death. I’ve always believed that the best way to cheat death is to live your life to the fullest.

“Let me get this straight. We have been gifted with a health care plan 
written by a committee whose chairman says he doesn’t understand it, 
passed by a Congress that hasn’t read it but exempts themselves from it, to be signed by a president who also hasn’t read it and who smokes, 
with funding administered by a treasury chief who didn’t pay his taxes, 
to be overseen by a surgeon general who is obese, and financed by a 
country that’s broke. What the hell could possibly go wrong?”  ~Taken from the web