In this episode of Swallow the Anchor, Teresa tells you how to get your finances sorted out if you are new to yachting. She talks you through the steps involved in getting a Standard Bank International mariner's bank account and explains why it is important to do so.You'll also hear about the YFSOL's Crew Business Lounge, a free space in Antibes where yacht crew can find some quiet headspace away from the yacht. Free WiFi and coffee too.Clive talks about protecting the money making machine. You are that machine. He explains the importance of life insurance if you have dependents. You aren't immortal, but your ability to look after your family if you die can be.Finally, you'll hear from Sulet Joubert from Garnished Chef Gear, who set up a chef's clothing/fashion business while she was still in yachting.