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Dear Noel:
for £20000 you may be able to buy some (probably not all that you'd need for a major trip) of the new sails for a 38' boat. A friend of mine- a professional carpenter- built himself a 35' boat. It took him three years. It would be easier and cheaper to buy a used boat. Look online at the listings on Yachtworld for ones in your neighborhood so you can see what you're getting into. We usually budget about 10% of the purchase price of our boat into upkeep, maintenance and improvements each year. Good luck.
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