Thank you so much for your thoughtful and detailed response.
My e mail address is ...........firstname.lastname@example.org
Yes, I am a little skittish too but don't want that to stop life !
Having been a small businessman all my life, risk and reward is a constant way function of the way things really work
As General MacArthur always said "There is no security
in life only opportunity".
I much prefer adventure to a love of ease.
It is heartily agreed that I should not take any counsel from those not experienced or serious seasoned sailors.
When I look at the photo
of General Patton above my desk there forever echoes his words "Action is the magic word".
You are right that it all depends on what costs you look at in life.
It could well be the journey of a lifetime to pass through the panama canal
and across the Pacific Ocean
My concern about insurance is related to the various Philippine marinas
and their docking/mooring regulations
When I checked at the Manila Yacht Club and Subic Bay marinas
they advised me that insurance was mandatory.
This had led me on a search for insurance with the resulting quote of 4800 USD for my boat which is valued at 130,000 USD.
Here is the USA such insurance is about 1200.
I am okay with no insurance but what can be done if it is mandatory ?
Maybe I could buy insurance only to protect the Philippine marina itself ?
What do boaters do in this situation ?
No, I have no intentions of sailing dangerously.
My concern about typhoons is minimal.
Yes spare parts is a concern but not the end of the world.
Our Nauticat has been almost completely rebuilt in many of it's systems.
You know the drill for us perfectionists which has led to everything being looked at, replaced or rebuilt within reason.
We had the Ford 120 hp replaced with a Cummins B series 150 hp that has been completely rebuilt.
Since we have no intention of visiting Mindanao crime is not a worry.
Besides, my wife and her 7 brothers and sisters will be a factor in a fellow Filipino robbing or stealing from us.
The Nauticat is a 1981 and it's outward appearance does not scream money
Yes, you are right about risk too.
is one of the most violent cities in America.
The Caribbean has limited appeal to us since it is so very expensive.
I much prefer the Philippines with it's many KIND people compared to the many image concerned boaters on the Chesapeake Bay
and/or the wealthy Caribbean yachts from Florida
We carry 150 gallon of water and 250 of fuel
so all is well.
On power alone we can travel about 1200 to 1300 nautical miles if needed.
So again, one of my big issues is the Philippine marina possible insurance and also the rules and regulations in the marina.
I hope to hear from you again soon with more words of wisdom.
Michael and Merly Gutowski
To...pbmaise of Jay Kantola