I fall into the "you stink" category of U/W navigation
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The biggest problem i've had is keeping my arm in it's original position during the swim from point A (my current location) to point B (the destination). I'm using a compass that shows both indirect and direct readings (a top reading and side reading compass)
Here's what I do when i'm practicing:
1) On the surface I use the side reading part to get the bearing, like 230deg, to my destination. But MOST importantly, note the position of the compass in relation to your face; it should be directly infront so your looking evenly over the top with the lubber line pointing STRAIGHT to your target - having your arm (or the compass) to much to the left or right will surlely put you off course! On the surface, where you can directly see the target, it doesnt matter much because you will "visually" adjust as you swim.
2) Next, I deflate my BC and vertically descend to a depth of around 20-30ft. Once I reach the desired depth (not swimming around, but going straight down. swimming around will change your destination bearing ), I get neutral. As far as remaining at depth, I can usually tell if i'm going up or down by the effect of water pressure on my ears. If you need to watch your depth as you swim, try getting a console mounted compass where you can hold it with both hands, elbows in.
3) Place one arm out like a lubber line and grasp that arm with the arm wearing the compass and place the compass EXACTLY as you did before in relation to your face. Remember too much left or right from the original position when the target bearing was taken will put you off course during the swim. The farther you swim, the more off course you'll be.
4) Swim away, and have fun!
For me, the most difficult part is keeping the compass in the EXACT position before and during the swim. But practicing is diving, and diving for me, can never be a bad thing. Besides, who said I needed to hit the broad side of a barn anyways!
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Mike.