I like the composition of the shot. The boat and reflection together is a presentation I know I would be partial to as well. The sun on the water does make the shot a little over exposed and too bright above the boat.
I think an off center presentation of the boat probably would have moved this image more toward art and a little away from "snapshot" as far a composition goes.
The focus is great. I like the detailing on the sail and the clear ripples in the water.
Overall I would say that this is a great shot. A little adjustment to the brightness and a minor shift in composition would improve it.
This was my first photo entry. So I am very very pleased. I just wish I would have made the boat off center. Didn't really think about it until after the comments....
I think this is an excellent black and white, but I don't particularly care for the centered composition as much as I might if it was off center somewhat...
nice capture. the surface of the water looks awesome! i looks like the horizon is at a slight angle and mabye could have benefited from some slight rotation, but that's jus a nit. great shot.