Have been vacationing recently with the family on Emerald Isle, NC.  It is easily the most beautiful beach I’ve visited on the Atlantic coast, but why can’t I enjoy it without my first thought being, "Insurance here must be astronomical"?

What’s the first thing out of the kids’ mouths?  "Cool, look how wide the beach is…we can build a ton of sand castles" and, "The waves here are massive!"

I hate being an adult.  Especially since I have to carry the boat, chairs, tent  and other crap across the really cool, wide beach.