I was walking our dog at the nearby lake and met a man and his grandson putting their boat in the water. I had commented that my husband and I were thinking of getting a boat and he offered to take me for a ride. I did get in the water with just my panties and tshirt over my bra. It looked like a bathing suit. But, when I got out you could clearly see my pussy through the panties. I put a towel around my waist and removed my wet panties while he asked me if I wanted to drive the boat and offered his lap to me to sit on and steer. I did and accepted that he was a horny man and making advances. Without asking I pulled the towel up and overtly offered my ass and bare pussy to his hard cock hiding in his swimsuit. He pulled it out and I let him stick it in me and sat on it for most of the ride. I gave him my number and he wanted to meet me late in the day. So, I told my husband to delay coming home and sucked and fucked him. He had a very nice cock and by the time he arrived I was hot with anticipation. I don't know how old he was but he was a great fuck and had a big ejaculation in me.