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It would help to know a bit more. Where do you anticipate going for one and what sort of budget are you looking at? For now, a comment about health care. If you are thinking about the next 10 years or so and you are in good health, you probably can self-insure and be ahead of the game with one obvious exception. If you are planning to spend any time in the US you will need insurance there since the health care costs are astronomical. We found that costs were quite small overall. A visit to the 'private hospital' in Suva, Fiji was $12 for example. An hour+ in the emergency room of the fancy new hospital in Papeete was around $80.--------------------------------------------------------------------------------
David and I currently live in the UK (Damp foggy little island near France) we will turn 50 next year and are retiring. We will have a modest income which will enable us not to have to work. Our plans are to buy a yacht around 40ft and spend the next few years as liveaboards. The questions are, what sort of yacht, health care, where to buy the yacht, advantages and disadvantages? Any advice would be more than welcome unless it's negative and advising us to stay on this damp ,foggy little island.
I assume that there are some bargains in yachts to be had in Europe now with the weak economy but it used to be pricey there. Prices are very good in the US now and probably a bit better in the Caribbean. Before you buy a foreign boat se what the requirements are if you want to import into the UK (and EU). They have a lot of rules there I think. Also, if you buy a North American boat it will have a 110v shore power system rather than 220v which complicates things a bit.
Good luck with your enquiries.