@stjohnjulie Awesome! Thank you Julie!

Thank you everyone for taking time to respond. So... turns out we are going to be based in St. Thomas, and I'll have to take the early ferry to St....

@stjohnjulie Happy New Year! Thank you so much! That is great info, and very helpful.

@jaldeborgh Self insure? Does that mean putting would be premiums into a self managed "Emergency Fund"?

Thank you!