The "ghost" of 'Angus McCulloch' is in fact a conman called Patrick. He's in cahoots with Rachel Carlson's soon to ex-husband Brian and her supposedly best mate Sharon Winton. Brian has become so insanely jealous of Rachel's natural writing skills that he's set out a plan to make her crazy enough so that if she suddenly dies everyone will assume that she topped herself. Sharon has been encouraging him.
Rachel Carlson: Why is it everyone paints their boats the exact same color as their houses?
Angus McCulloch: Well, that's actually a tradition here. The wife needs to be able to look out on the water and know her husband's okay.
Rachel Carlson: That's very romantic.
Angus McCulloch: And we also get a tax-break on the paint, which is also very romantic.