Hate remembering to slather on the sunscreen while playing in the surf (or your kid's wading pool)? Try a surfer's rash guard. It sounds like something you'd put on before sex, not swimming, but really, it's just a UV-resistant breathable shirt that protects hardcore boarders from getting sand burns during a heinous wipe out. You might not be scoring massive tubes but throw a rash guard over your suit and you'll look uber cute and dare we say it, a little bit like a jock. Not only does it keep off the rays, but you also don't have to worry about any unfortunate nipple slippage shocking the neighbors. So much more chic than a baggy white tee!