In Miami anything can be arranged -- for a price. For example, if you have an uncontrollable urge to race over the ocean in an ear-splitting, teeth-rattling go-fast boat, the folks at Club Nautico on Miami Beach could make it happen. Of course, owing to steep insurance costs and the need for an experienced skipper, you'll have to put up your firstborn and your house as collateral. Instead the Club Nautico agents suggest their 29-foot Bowrider, a sleek little wave skimmer that will get your adrenaline pumping at speeds up to 45 miles per hour. Also available -- and highly recommended -- is their larger and more luxurious 450 Sundancer, a speedy yacht with two spiffy staterooms and space for six cruisers. More than a dozen boats are on hand at Nautico for half-day or full-day charters at prices ranging from $300 to $3500. To hire a captain, add roughly $100 per four-hour rental period.