"Much time had been lost, and sailing had already become dangerous because by now it was after the Fast. So Paul warned them, 'Men, I can see that our voyage is going to be disastrous and bring great loss to ship and cargo, and to our own lives also.'" NIV translation
Paul could see the hand of God at work in bringing them to this safe port. The Fast is talking about the Day of Atonement (Yom Kippur) and it was the first part of the year with winter beginning (not a good time for sailing across the ocean). He knew that God had brought them here to wait out the weather and protect them. If we are His children doing His will, then, that same God will guide and protect us as well.
"But the centurion, instead of listening to what Paul said, followed the advice of the pilot and of the owner of the ship. Since the harbor was unsuitable to winter in, the majority decided that we should sail on, hoping to reach Phoenix and winter there. This was a harbor in Crete, facing both southwest and northwest." NIV translation
Those in charge did not listen to Paul but instead decided that they should move on. They were hoping to make it to Phoenix which was a sheltered port where they could spend the winter in safety.
Like Paul, we may try to tell people of what God is doing but only the Holy Spirit can tell their hearts that it is the truth.
"When a gentle south wind began to blow, they thought they had obtained what they wanted; so they weighed anchor and sailed along the shore of Crete. Before very long, a wind of hurricane force, called the 'northeaster', swept down from the island." NIV translation
They thought that they were right as they left with a nice wind to send them on their way but it changed very quickly and they were trapped in bad weather. This is what can easily happen when you do not listen and follow what God tells you to do. Satan and our own hearts can lead us in another direction and, before we know what hit us, we are in a mess.
"The ship was caught by the storm and could not head into the wind; so we gave way to it and were driven along. As we passed to the lee of a small island called Cauda, we were hardly able to make the lifeboat secure." NIV translation
Once inside the storm, they no longer had control of where they were going and their focus shifted to survival as they tried to hold onto the lifeboat. This is the very picture of what can happen, even in the life of a Christian, once you take a wrong turn and get caught up in a storm. The good news is that we do not have to worry about losing our lifeboat (Jesus Christ).