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Keep Your Head Above Water

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Most boaters know the difference between WMDs (weapons of mass destruction) and MSDs (marine sanitation devices). Congress on the other hand seems to spend as much time regulating MSDs as they do looking for WMDs. A recent article in BoatU.S. Magazine suggests that “the universal pumpout symbol is not generally recognized by boaters.” This may be because there aren't that many of these signs and many of the signs are in front of pumpout stations that don't work. I visited the website: marinepumpouts.com and found that there were no listings for Florida. Obviously, there are some in Florida and the website needs to be updated.



As a past member of the Hallandale Beach Marine Advisory Committee, I was privy to the plans for the new city marina. The plans called for a pumpout station located in an inaccessible corner of a dead end canal. I suggested a more accessible location. The city representative was shocked and stated “Then, everyone would use it.” I was stupefied. The marina is still not built and may never be, as the permits are stuck in a bureaucratic quagmire; much of it over sea grass or some other fish and wildlife issue.

There are about 13 million boats in the USA. This translates to at least 30 million boaters. Shouldn't we humans get our own department? The Fish and Wildlife Service (FWS) regulates many boating issues. However, the FWS is only concerned about Fish and Wildlife. Truth be known they would probably be happy if there were no boats to mess up their environment. If the Fish and Wildlife folks are really concerned about the water quality, whatever their motive is, then there should be no marina that does not have a working pumpout facility.

My condo marina does not have a pumpout facility. Several years ago, I was falsely accused of “dumping my head” at the marina. The dockmaster, who didn't like me, had led the condo board astray. Most of the board had never even visited the marina, let alone knew what an MSD was. Without any evidence to support the allegations, the manager sent out a certified letter informing me that I had violated several sections of the condo documents, Florida Statutes, Federal EPA regulations and the RICO Act. One of the board members approached me several weeks later and said that he had read the reports and didn't understand why I would “stick my head in the water” at the marina. He now knows the difference between my head and a marine head.

It is legal to dump your head in the ocean if you are at least three miles from shore. The Florida Keys are an exception. The Keys are a No Discharge Zone. On a trip with my yacht club several years ago to Key West we could not find a functioning pumpout at any of the marinas we visited. When we arrived at Key West, we were all able to pumpout with the city's mobile pumpout boat. The Galleon, an otherwise beautiful marina, had no pumpout and the marina next door had one that didn't work.

I think it's about time to revive CEPTIA, the Committee to End Pay Toilets In America. In the mid 70's, CEPTIA was successful in banning pay toilets in Florida and many other states in the USA.

As CEPTIA is probably defunct, I propose a new organization to be called CRAP, the Committee for Readily Accessible Pumpouts. I call on all boaters to support CRAP. Write your representatives and demand that they listen to our CRAP. We want free pumpouts at all marinas. We will also lobby for cheaper biodegradable toilet paper. If the Federal Government can subsidize farmers, why not toilet paper? I'm sure you can imagine life without summer squash. But, can you imagine life without toilet paper? It's about time for all boaters to get off the pot and take action. I also call on the eight million RV owners to support CRAP as they face some of the same issues.

If you would like to join the grass roots movement and support CRAP, contact the author. Sheryl Crow's recommendation to use one sheet is not the answer to this problem. We need free pumpouts and cheap paper.
Keep Your Head Above Water
If you don't have a back-up plan and you did become out of work then you could be left struggling to keep your head above water when it came to paying your essential outgoings such as your mortgage, loan repayments or general cost of day to day living. Unemployment cover can be taken in the form of loan payment protection, mortgage payment protection and income protection insurance for a premium each month which is determined by your age and the amount of cover you require.

All unemployment cover policies would begin to give you an income each month you were out of work after a pre-defined period of waiting time which can vary from provider to provider and can be anywhere from the 31st day of being out of work up to 90 days. Once a policy has started to give you an income then it would continue to do so for up to 12 months and with some providers for up to 24 months which allows you to get concentrate getting back on your feet and back to work without worrying about your finances.

Mortgage payment protection insurance (MPPI) is taken out to make sure that you can carry on paying your monthly mortgage repayments and so you don't get behind and risk having your home repossessed. If you have loan repayments to make them loan payment protection will give you money to carry on meeting your loan repayments and make sure you don't get into debt and income protection will insure your income up to a certain amount each month so that you can pay your essential outgoings and your lifestyle isn't severely affected.

You are better off going with the specialist provider for your unemployment cover as you will get among the cheapest premiums and the information you need to determine if a policy is suited to your circumstances.
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About Author
Both Bob E Sherman & Simon Burgess are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Bob E Sherman has sinced written about articles on various topics from Humour. . Bob E Sherman's top article generates over 1300 views. to your Favourites.

Simon Burgess has sinced written about articles on various topics from Mortgage Insurance, Finances and Income Protection Insurance. Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of , loan protection insurance and income protect. Simon Burgess's top article generates over 74000 views. to your Favourites.
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