The Cove.

Beth stood on the stern of the boat, enjoying the ocean breeze and drinking a frozen margarita with Lindsay, Jake, Dean and Kendra, while Tim drove on the bridge. Lindsay was unabashedly hanging on Jake's arm, pressing her tits into his arm and laughing at his jokes. Dean and Kendra were both pleasant and friendly, and they were obviously into each other. Dean also worked for his father, and Kendra was a bartender. She was younger than Beth, maybe 23. They spent some time getting loose, talking about their lives. Beth showed off her modest but pretty ring before securing it in her beach bag. She didn't want to expose it to salt water, or worse: lose a stone.
After almost an hour of boating down the coast, Tim pulled the boat into a secluded cove with a little spit of a beach of white sand. There appeared to be an overland trail off into the woods, but for the most part, the cove seemed accessible only by the water. They dropped anchor about fifty yards from the beach. "If I try to get closer, there's a risk of grounding on a sandbar." Tim explained as he came down the ladder from the bridge.
The group swam to shore, enjoying the beautiful, warm water. On the beach, Tim, Jake and Dean set up beach chairs, an umbrella, and even a little volleyball net. Tim had also brought a bluetooth speaker, so that soon they were enjoying some music. Beth was starting to really enjoy her decision. She played two on two volleyball, defeating Lindsay and Jake with the help of Tim, while Dean and Kendra brazenly made out on a towel a little ways down the beach in the shade of the umbrella.
"Get a room!" Jake yelled playfully once the first game ended. The couple giggled, and then took her and Tim's spot at the volleyball net. While they played against Lindsay and Jake, Beth decided to lay out.
"Tim?" Beth untied her top to expose her back, and grabbed a bottle of lotion. "Would you mind terribly?"
"Not at all." Beth felt only a little guilty as Tim rubbed the suntan lotion into her back and shoulders. He had nice hands, and was gentle, and careful not to touch any part of her he shouldn't. Aw... what a gentleman...
With the warm sun on her back, the music and the sound of the ocean, Beth was lulled into a relaxing stupor for a little while until she realized she had to pee. She lifted her head to look around. No one was playing volleyball. Tim was in the water, and Dean and Kendra were heading further away down the beach. Lindsay and Jake were not anywhere in sight. She knew that the boat had a head, and she didn't want to pee in the ocean or the woods, so she decided to swim to the boat.