Let's say you ache to get your paws all over a brand-spanking-new sailboat, but you don't have the funds to go top-notch. If so, fractional sailing is for you. It works like this: You buy a seasonal membership and get seven sails per month, anywhere around the world where they maintain a fleet of boats. In return, Sailtime pays for insurance, slip fees and maintenance costs, as well as keeping the boat spic and span. The Chicago Sailtime homebase is at Burnham Harbor (next to Soldier Field), and once you get ASA certified (which Sailtime can help coordinate) the boats you'll be cruising on are the beautiful (and expensive) Hunter 33s and 36s.