# Mike & Ann Ruffles

> Lifestyle before Workstyle = Freedom | Lifestyle | Peace of Mind


## Posts

- [If you’ve ever thought… “There must be more to life than this”.](https://annandmikeruffles.com/escape-the-rat-race-blog/question-that-changed-our-lives/): It started with a question. “If money and responsibilities weren’t an issue… what would you really do?” At 36, I realised something uncomfortable. Waiting until retirement to start living felt like the wrong answer. At the time, my life looked perfectly sensible. I worked as a Quality Engineer, and my wife Ann was a school teacher. We had stable careers, a predictable routine, and the sort of future most people aim for. Then one lunchtime, a colleague asked me a question that, at first, seemed harmless. “If money and responsibilities weren’t an issue, what would you really like to do?” It […]
- [How to Escape the Rat Race - The Real Story of Building a Yacht and Sailing Away](https://annandmikeruffles.com/escape-the-rat-race-blog/how-to-escape-the-rat-race-real-story/): Most articles about how to escape the rat race talk about investments, passive income, or early retirement. But when I was 36 years old, I realised something uncomfortable: waiting until retirement to start living felt like the wrong answer. So instead of planning to escape later, my wife Ann and I made a decision that sounded completely unreasonable. We built a sailing yacht and sailed away. This is the honest story of how we escaped the rat race and what that decision actually looked like in real life. This article is part of our Escape the Rat Race Blog, where we […]
- [Wallas 88DU Diesel Hob and Wallas 86D Diesel Oven: Safer and Better Than a Gas Cooker on a Narrowboat?](https://annandmikeruffles.com/narrowboat-blog/wallas-88du-diesel-hob-and-wallas-86d-diesel-oven/): Living or leisure use of a narrowboat presents unique challenges and opportunities, particularly when it comes to cooking. Traditional gas cookers have long been the standard, but diesel-powered alternatives like the Wallas 88DU Diesel Hob and the Wallas 86D Diesel Oven offer a safer, more efficient, and more convenient option. Here’s why boats with Wallas diesel appliances make sense for narrowboaters. 1. Safety First: No Gas, No Worries One of the biggest concerns with gas cookers is the risk of gas leaks, which can lead to fires or carbon monoxide poisoning, especially dangerous in the confined space of a narrowboat. Diesel, […]
- [DeepSeek vs ChatGPT: Which AI Platform Reigns Supreme?](https://annandmikeruffles.com/uncategorised/deepseek-vs-chatgpt/): After the launch of Deepseek, I thought it would be good to do a Deepseek vs ChatGPT comparison delving into the outputs of both AI platforms. To do this, I asked each in turn to write a blog post with the following command: Write a blog post on How Brexit has affected long-term cruising yacht crews, include the following headings: My thoughts after each heading and my conclusion about which platform did the better job are at the end of this post. Please take a look and let me know which one is better for you. ChatGPT Headline and Intro: How […]
- [From Dreaming to Living: How to Make Your Dream Lifestyle a Reality](https://annandmikeruffles.com/escape-the-rat-race-blog/from-dreaming-to-living-how-to-make-your-dream-lifestyle-a-reality/): Have you ever caught yourself daydreaming about a life that’s a little more exciting, a little more “you”? You’re not alone. Many of us want to escape the rat race and start living the dream. But how do you go from dreaming to actually living that dream lifestyle? It might seem like a leap, but with the right mindset and a few savvy choices, it’s more doable than you think. Let’s dive into some practical steps that can turn your dream lifestyle into a reality. Identifying Your True Desires Before you embark on the journey of living your dream lifestyle, it’s […]
- [Breaking Free: Why a Second Income Stream is Your Ticket Out of the Rat Race](https://annandmikeruffles.com/escape-the-rat-race-blog/why-you-need-a-second-income-stream/): In today’s fast-paced world, escaping the monotonous cycle of the rat race might seem like an elusive dream, especially for those earning up to £30,000 a year. However, the concept of a second income stream, is proving to be transformative for individuals seeking financial freedom and flexibility. With the rising cost of living and a growing desire for a more fulfilling lifestyle, diversifying your income sources can offer not only a safety net but also an avenue for pursuing passions beyond the confines of a traditional 9-to-5 job. This article explores the advantages of establishing a second income stream and provides […]
- [Second Hand Narrow Boats: Nightmare or Hidden Gem?](https://annandmikeruffles.com/narrowboat-blog/second-hand-narrow-boats/): Ann and I set off on October 26th, heading for Droitwich Spa Marina, which had a campsite attached. £25.00 a night was a bit steep, we wanted to consider the marina as a potential mooring spot once we purchased a second-hand narrow boat. Ann had made an appointment to view a boat on Monday, the 28th, in the Leicester area; I can not remember the place or the boat’s name. Ann, Ellie, and I visited the Marina Office, and on their wall, they had narrow boat sales adverts. The brokerage was called New and Used Boat Sales, and one boat looked […]
- [New Narrowboat?: The Thought Process](https://annandmikeruffles.com/narrowboat-blog/new-narrowboats-insights/): As with Ruffles Spray, our thought process was to look at how much money we would be prepared to spend on a New Narrowboat. With Spray, it was a simple decision; back in 1995, we did not have £300,000 to buy a new sailing yacht; however, new narrowboats are around £140,000, so the discussion started and quickly moved on from new to having the hull built and fitting it out ourselves. Over the next two weeks, I contacted ten narrowboat builders and got some prices. They all offered a sailaway option. This sailaway build could be to any level of finish. […]
- [What we thought Cruising the UK Narrowboat Canals would be Like](https://annandmikeruffles.com/narrowboat-blog/what-we-thought-cruising-the-uk-narrowboat-canals-would-be-like/): After 18 months of Motorhoming, Ann and I were slightly disappointed in what it offered, but more about that on our Motorhome blog. Both of us wanted to get back afloat. We wanted to get back afloat, but not in a yacht and not at sea. The obvious choice would be in the French Canals, but Brexit ended that. I will never forgive those stupid 17.1 million people who voted to leave the EU. Taking away my freedom of movement was criminal. Enough about that. So, the idea popped into our heads: why not the UK canals? Back in the early […]
- [Exploring the Garmin Camper 890MT-S: The Ultimate Advanced Camper Sat Nav with 8-Inch Touch Display](https://annandmikeruffles.com/motorhome-blog/garmin-camper-890mt-s/): Introduction to the Garmin Motorhome 890MT-S The Garmin Camper 890MT-S is a premier satellite navigation system meticulously crafted for Motorhomes and RV enthusiasts. This state-of-the-art device integrates advanced navigational technology with user-friendly features to elevate the travel experience. At its core, the Garmin Camper 890MT-S boasts an expansive 8-inch touch display, providing clear, detailed mapping and data, ensuring that journeys are navigated precisely and easily. I have a confession to make. In the last twenty years, my Sat Navs have been either a map or my phone. The phone has been an iPhone since 2018, to be exact, but that really […]
- [The Britannia Inn Pub Stopover](https://annandmikeruffles.com/motorhome-blog/the-britannia-inn-pub-stopover/): Is the Britannia Inn the Best Pub Stopover? Navigating from the Plymouth area, the drive to the Britannia Inn was uneventful. Roads are good, and there is no toll on the Tamar Bridge going west. Our approach was made from the A390 through some lovely villages and around Par itself. For a change the sun was actually out and it felt like this stopover was going to be lovely. As Ann and I turned into the pub car park, I thought this was going to be tight. The car park was full, must be a good place to eat. A sharp […]
- [How Wealthy Parents Raise Well-off Children](https://annandmikeruffles.com/escape-the-rat-race-blog/how-wealthy-parents-raise-well-off-childrenhow-wealthy-parents-raise-well-off-childrenhow-wealthy-parents-raise-well-off-children/): Lots of online influencers have written blog posts, created videos, podcast, Facebook posts and Twitter (X) threads about the difference between rich parents and the not so well off parents. Here’s a summary of what they say broke parents never teach their children that rich parents do: All the influencers say that these principles, when ingrained from a young age, set the foundation for financial success and help children of Well-off families continue the cycle of wealth generation. Now, of course these rich parents mostly had money to start off with, most likely from their rich parents. My point here is […]
- [How the US Navy SEAL Backward Law Will Help You Escape the Rat Race](https://annandmikeruffles.com/escape-the-rat-race-blog/us-navy-seal-backward-law/): The US Navy SEALs are renowned for their extraordinary mental and physical resilience in pursuing excellence. One foundational principle that guides them is known as the “Backward Law,” a concept initially articulated by philosopher Alan Watts. This counterintuitive philosophy teaches that the more we chase something, the more it eludes us. In essence, true success and fulfilment are more likely to be achieved by focusing less on the end goal and more on the process. For Navy SEALs, this principle is not just theoretical but a practical guide to overcoming the most gruelling challenges. Understanding the Backward Law The Backward Law […]
- [What is the Rat Race: Understanding and Breaking Free from the Grind](https://annandmikeruffles.com/escape-the-rat-race-blog/what-is-the-rat-race/): Introduction: In today’s fast-paced world, the term “rat race” is frequently used to describe the relentless pursuit of wealth, success, and societal approval. But what is the rat race? And why do so many people find themselves trapped within its confines? In this comprehensive exploration, we’ll delve into the origins of the rat race, its impact on individuals and society, and strategies for breaking free from its grip. What is the Rat Race: The rat race can be defined as a competitive and exhausting pursuit of success, often characterised by long hours, high stress, and little fulfilment. Originating from the behaviour […]
- [How to Escape the Rat Race](https://annandmikeruffles.com/escape-the-rat-race-blog/how-to-escape-the-rat-race/): How to Escape the Rat Race: Our 4-Step Process Escape the Rat Race: What If We Could Show You How? If you’re interested in the real story of how we escaped the rat race and built a sailing yacht, you can read it here: How We Escaped the Rat Race by Building a Yacht. For decades, the traditional workstyle path has been ingrained in our culture: Go to school. Climb the corporate ladder. Save for retirement. Finally, enjoy the fruits of your labour.   Take me, for example. Ever since I stepped into the work environment, I’ve felt a deep-seated dissatisfaction. The […]
- [Step 4: Review](https://annandmikeruffles.com/escape-the-rat-race-blog/step-4-review-your-progress/): Initial Review We completed the review your progress step after the sailing course and the Southampton Boat Show. Realising that our path had been shown to us, we ordered the study plans for the Spray 38 design from Bruce Roberts UK. Two weeks later, they arrived.  The first thing I did was take them to Bristol Boat Builders to get a rough quote on the cost of building it.  £180,000 was the answer, not much less than most of the yachts we had seen at the Southampton Boat Show. I spent the next month pouring over the plans, costing all the […]
- [Step 3: Taking Action](https://annandmikeruffles.com/escape-the-rat-race-blog/step-3-taking-action/): Here is where the real work starts; remember from step one: “Your energy cannot be steered if you are not exerting a massive action towards your outcome, towards your dream.” It is time to start steering your energy towards your goal. Start by doing the actions you listed in step two. Here’s Ann and my initial action list: Remember we booked ourselves on a sailing course? That course was a five-day competent crew course with Westfleet Cruising in Neyland in Pembrokeshire. Well, June arrived, and we drove up to Neyland. Peter George welcomed us onto his Sigma 38 “Phoenix 2”.  Ann and […]
- [Step 2: Planning for Success](https://annandmikeruffles.com/escape-the-rat-race-blog/step-2-planning-for-success/): Your Ideal Day Having worked through Clarity you will have developed your ideal day, let me firstly share Ann and my ideal day. We both wrote this way back in October 1994. I wake up at 6:30 a.m. on another beautiful, warm summer’s day in mid-June. After my morning ritual, I step up into the cockpit and look around. The anchorage is full, I smile. There are lots of yachts here, all enjoying the location. Ann and I are anchored in Greece on a beautiful Island called Lefkada. The island lies 60 miles south of Corfu in the Ionian Sea. I […]
- [Step 1: Clarity for Success](https://annandmikeruffles.com/escape-the-rat-race-blog/step-1-clarity-for-success/): Everyone on this beautiful planet has the power within them to succeed in whatever endeavours they set their mind on, and that includes escaping the rat race. Clarity for success is the key. Yes, it’s possible to create whatever you want in your life. Life has clear rules that enable you to create your lifestyle or do anything. However, life has no idea what you want; you must give it clear and precise instructions. Life requires clarity from you, a precise and detailed clarity. Way back in 1994, Ann and I had a dream. We wanted to build a sailing yacht […]
- [Living on a Sailboat: An Inspiring Insider's Journey](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/living-on-a-sailboat/): Imagine waking up to the gentle rocking of the ocean, surrounded by the serene blue expanse, with the horizon stretching endlessly around you. Well, that was what I thought it would be like to live on a sailboat. I knew nothing about sailing, boats, navigation on the high seas or, in fact, anything to do with boating. I just wanted to get out of the daily grind of work, work, work. Since the day in June 1994 when a work colleague gave me a book to read called “Voyaging on a Small Income by Annie Hills, I had made it my […]
- [The Power of Creating a Vision for Your Life](https://annandmikeruffles.com/personal-development/creating-a-vision-for-your-life/): Introduction Creating a vision for your life is an important step towards living a fulfilling and purposeful existence. It allows you to set clear goals, make conscious choices, and pursue a path that aligns with your values and aspirations. In this article, we will explore the process of creating a vision for your life and provide practical tips to help you embark on this transformative journey. Understanding the Power of Creating a Vision Before diving into the steps of creating a vision for your life, it’s essential to understand the power and significance of having a vision. A vision serves as […]
- [How to Live My Dream: A Comprehensive Guide to Manifesting Your Ideal Life](https://annandmikeruffles.com/escape-the-rat-race-blog/how-to-live-my-dream/): Introduction Living your dream life is a journey that requires clarity of vision, the right mindset, support from family, financial stability, and a strategic approach to starting. Many people have dreams they aspire to achieve, yet they often feel overwhelmed or need help with how to turn these dreams into reality. In this comprehensive guide, we will explore each essential aspect of how to live my dream, providing actionable advice and insights to help you pave your path to success. 1. Mindset: The Foundation of How to Live My Dream Your mindset plays a crucial role in shaping your reality. Adopting […]
- [Living a Less Stressful Life: Breaking Free from the Rat Race:](https://annandmikeruffles.com/escape-the-rat-race-blog/living-a-less-stressful-life/): Living a Less Stressful Life Away from the Rat Race In 1994, I, too, was caught up in the fast-paced world that many people find themselves in today, the “rat race” – I was constantly striving for success, working long hours, and feeling overwhelmed by stress. My thoughts were, does it need to be this way? Maybe by making a few changes to my lifestyle and mindset, I could live a less stressful life away from the rat race. This article will explore some practical tips and strategies to help you achieve a more balanced and fulfilling life. Prioritize Self-Care One […]
- [With AI Replacing Jobs, Should I Get Out of the Rat Race?](https://annandmikeruffles.com/escape-the-rat-race-blog/get-out-of-the-rat-race/): In recent years, the advent of Artificial Intelligence (AI) has sparked excitement and concern regarding its impact on the job market. Speculation abounds about the extent to which AI will replace human workers across various industries should this make you want to get out of the rat race. While it’s true that AI technologies are advancing rapidly, the reality is more nuanced than sensational headlines might suggest. What jobs will AI likely replace? Let’s examine closely what jobs AI will likely replace and how it will reshape the future of work. Will AI Transform the Job Market? It’s important to recognise […]
- [How We Continue Escaping the Rat Race in a Motorhome](https://annandmikeruffles.com/motorhome-blog/how-we-continue-escaping-the-rat-race/): Imagine waking up to birds chirping, surrounded by breathtaking landscapes, and having the freedom to go wherever your heart desires. That is what we call escaping the rat race. Moving ashore from Ruffles Spray, Ann and I wanted to take the freedom of roaming the sea onto land. We thought that with a motorhome, we could convert our nomadic life on the water and embrace a nomadic lifestyle on the road, allowing us to experience all those beautiful inland places. Benefits of Traveling in a Motorhome 1. Freedom and Flexibility Having spoken to many motorhome enthusiasts, they all told us that […]
- [Is Leaving the Rat Race for the Simple Life Possible in 2024?](https://annandmikeruffles.com/escape-the-rat-race-blog/leaving-the-rat-race-for-the-simple-life/): Escaping the Rat Race: Embracing the Simple Life For much of the last twenty years, scores of people have asked me if leaving the rat race for the simple life is something I can do in 2024. If you have also asked yourself this question, I’ll give you an answer right now. The short answer is maybe. You wanted to hear a different answer, but there are many things to consider before making the final call. In the hustle and bustle of modern life, many find themselves caught in the relentless cycle of the rat race, where the pursuit of success […]
- [Dropping Out of the Rat Race](https://annandmikeruffles.com/escape-the-rat-race-blog/dropping-out-of-the-rat-race/): In today's fast-paced world, many find themselves trapped in what is commonly called the "rat race." Learn how to escape the rat race from someone who has.
- [Jobs to Escape the Rat Race?](https://annandmikeruffles.com/escape-the-rat-race-blog/jobs-to-escape-the-rat-race/): 10 Lucrative Jobs to Escape the Rat Race and Find Fulfilment In the relentless pursuit of a fulfilling career, many find themselves trapped in what’s colloquially known as the “rat race.” This rat race, characterised by the monotonous routine of working long hours, battling traffic, and feeling trapped in a cycle of paycheque-to-paycheque living, can be exhausting and disheartening. However, after the COVID-19 pandemic, there’s hope. With the rise of remote work, freelancing, and the gig economy, there are now more opportunities than ever to break free from the rat race and pursue careers that offer both financial stability and personal […]
- [Fox and Goose Pub Stopover Review](https://annandmikeruffles.com/motorhome-blog/fox-and-goose-oub-stopover-review/): When Ann phoned the Crown Inn in Catcott, they advised that they were closed for a week. However, they did recommend the Fox and Goose Pub. So she called them and they were delighted to welcome us on Saturday. It was our wedding anniversary, so Ann booked a table for 6:00 p.m. We picked up the boat (we call the motorhome the boat because every time either of us speaks about it, we say the boat, so that has stuck now) from the storage at 10:30 a.m., loaded it up, and headed south on the M5.  It’s not far from us, […]
- [Voyage to the Jurassic Coast](https://annandmikeruffles.com/motorhome-blog/voyage-to-the-jurassic-coast/): The start of our planned ‘voyage’ to the Jurassic Coast was slightly hampered by Ann catching Covid. Our plan was to leave on Saturday morning head to Uphill Marina and Touring Park to stay one night. The plan was to go out with my sister and brother in law for a meal and a few drinks in the local pub. Ann felt a little off sorts on Friday evening and when she woke up on Saturday she felt really ill. An hour and one covid test later the result was positive. Cutting a long story short she did not feel better until […]
- [Jurassic Coast - East Fleet Farm](https://annandmikeruffles.com/motorhome-blog/jurassic-coast-east-fleet-farm/): I would describe the East Fleet Farm Touring Park as a picturesque site, nestled on the stunning Jurassic Coast. Spanning over 50 acres of lush greenery and offering panoramic views of the Fleet Lagoon and the Chesil Beach, although the latter can only be viewed from the side not facing the sea.
- [Maiden Voyage - Minehead](https://annandmikeruffles.com/motorhome-blog/maiden-voyage-minehead/): Having swallowed the anchor, Ann and I decided to get the second-best thing to a Yacht. Yes, a motorhome. They are, however, just like a Yacht, expensive items of kit. Plus, there’s a shortage of them on the second-hand market. After much deliberation, we chose an Autotrail Apache SE of 2005 vintage. There wasn’t much choice around our area, both Ann and I wanted a Hymer B544 but there wasn’t one for sale in the whole of the UK. So, an Apache it was. We decided to stay at the Minehead Caravan and Motorhome Campsite. With a little help from our […]
- [Lefkas Canal Bridge](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/lefkas-canal-bridge/): The History of the Lefkas Canal Bridge The Lefkas Canal Bridge, located in the Ionian Sea, connects the island of Lefkada to mainland Greece. Its history is rich and intertwined with the development of the region, reflecting advancements in engineering and the strategic importance of Lefkada throughout the centuries. Ancient Beginnings The history of the Lefkas Canal dates back to ancient times. Lefkada, once known as Leucas, was connected to the mainland by a narrow isthmus. The Corinthians, recognizing the strategic maritime significance of the area, undertook the first major engineering project around 600 BCE to create a navigable channel. This […]
- [From Vathi, Meganisi to Sivota, Lefkada Island, Greece](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/meganisi-island-ionian-sea/): A Short History of the Island of Meganisi Meganisi, an island in the Ionian Sea of Greece, has a rich and multifaceted history that intertwines with the broader historical narratives of the region. Located just southeast of Lefkada, Meganisi is part of the Lefkada regional unit. The island, whose name translates to “big island,” covers an area of about 20 square kilometers and is characterized by its rugged coastline, charming villages, and serene bays. Ancient and Classical Periods The earliest known inhabitants of Meganisi were likely the Leleges and the Pelasgians, ancient tribes who lived in the region during prehistoric times. […]
- [Sailing in the Ionian, Around Meganissi, Greece](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/sailing-in-the-ionian-around-meganissi-greece/)
- [Fiscardo, Kefalonia, Greece](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/fiscardo-kefalonia-greece/): A Short History of Fiscardo Fiscardo, a picturesque village located on the northern tip of Kefalonia, one of the largest Ionian Islands in Greece, boasts a rich history that reflects the broader historical narratives of the region. This charming harbor town, known for its colorful Venetian-style houses and vibrant waterfront, has evolved through various epochs, each leaving an indelible mark on its cultural and architectural heritage. The earliest traces of human settlement in the area date back to prehistoric times. Archaeological evidence suggests that Kefalonia, including the region around Fiscardo, was inhabited during the Paleolithic period. Over millennia, the island saw […]
- [Our favorite Anchorage in Meganissi](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/our-favorite-anchorage-in-meganissi/): Embracing the Tranquil Waters of Meganisi in the Ionian Sea Nestled within the cerulean expanse of the Ionian Sea, the island of Meganisi offers a swimming experience that is nothing short of enchanting. This hidden gem, a tranquil haven away from the hustle and bustle of more frequented tourist spots, invites visitors to immerse themselves in its serene, crystal-clear waters. The magic of Meganisi lies in its unspoiled natural beauty. The coastline is dotted with secluded coves and pristine beaches, each one a picturesque setting for a perfect swim. As you wade into the gentle embrace of the Ionian Sea, the […]
- [Sunset in Tranquil Bay, Nidri, Lefkas, Greece](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/sunset-in-tranquil-bay-nidri-lefkas-greece/)
- [Mayhem in Fiscardo, Ithaka](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/mayhem-in-fiscardo-ithaka/)
- [Junk Rigged Yacht Sail Well](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/junk-rigged-yacht-sail-well/): History of the Modern Junk Rig Early Development and Traditional Origins The junk rig, a type of sail design traditionally used in Chinese and Southeast Asian waters, has a history spanning over a thousand years. Its distinctive features include fully battened sails, multiple panels, and a flexible, fan-like appearance. This rig was praised for its simplicity, ease of handling, and robustness in various sea conditions. Historically, it was used on a variety of vessels, from small fishing boats to large ocean-going junks. Introduction to the West Interest in the junk rig in the Western world began in the early 20th century, […]
- [Day Two: Lakka to Kalami Bay, Corfu](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/day-two-lakka-to-kalami-bay-corfu/): Today’s sail to Kalami Bay was 37 nautical miles so we left at 09:00 after taking Ellie out for a walk again pointed Ruffles Spray north’ish switched on the autopilot and motored towards Corfu. Corfu, is the island off Greece’s northwest coast in the Ionian Sea. It is defined by rugged mountains and a resort-studded shoreline. Its cultural heritage reflects years spent under Venetian, French and British rule before it was united with Greece in 1864. Corfu Town, flanked by 2 imposing Venetian fortresses, features winding medieval lanes, a French-style arcade and the grand Palace of St. Michael and St. George. […]
- [Day One: Lefkas to Lakka Bay, Paxos](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/lefkas-to-lakka-bay-paxos/): After nearly two months of ‘getting ready’ we are off, up the Lefkas canal and out into the open Ionian Sea for the first of many legs to Auxonne in France. This shortish hop of 40 nautical miles will end in lakka Bay in the North east corner of Paxos. We left reasonably early to give us less time bashing to windward when the north west sea breeze sets in around midday. We arrive in Lakka around 2pm anchored and after taking little Ellie out for a toilette visit we both went for a swim in the clear warm water of […]
- [Lefkas Island, Greece to Auxonne, France](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/lefkas-island-greece-to-auxonne-france/): Over the last three months Ann and I have completed a voyage on our Sailing Yacht Ruffles Spray from Lefkas, Greece to Auxonne, France. The voyage was via Paxos, Corfu, Orthoni Island, Santa Maria de Leuca, Crotone, Roccella Ionica, Straights of Messina, Reggio Calabrio, Vibo Vallencia, Centraro, Accoroli, Procida Island, Nettuno, Rome, Giglio Island, Elba Island, all in Italy. Then crossing from Elba to Macineggio on Corsica then Calvi Corsica and finally Port Saint Louis du Rhone. In Port St Louis we had the masts removed and strapped to the deck. We then headed into the Rhone River to negotiate the 12 […]
- [Launch Day 31 July 2001](https://annandmikeruffles.com/rufflesspray/launch-day-31-july-2001/): Ann’s daughter Kathryn, my sister Karen, my mother Ilse, Roly and Rowan, Wendy & Franc, John and Joyce, and other friends arrived for the launch early the next day. For ten months we had heard the roar of the travel hoist going backward and forward collecting boats for launch and today was our turn. The final cup of tea was had on land and at 11 am we walked behind our yacht towards the launch area.Ann held a bottle of champagne I held on to the dogs. I was a little worried.Thoughts like will she float right? Will she float at […]
- [Engine System](https://annandmikeruffles.com/rufflesspray/engine-system/): Once the cabin sole was in and the foam insulation sprayed I next turned my attention to the engine compartment. Our engine was to be a 2.5 litre 61 hp Ford, marinised by Lancing Marine. It was a tedious job to get Lancing Marine to not only quote me for an engine but also to get them to supply a complete engine system that had all the parts that was required to make a yacht an auxiliary yacht. They were helpful but very slow. I had to persevere as they were £2000 less than all of the other engine suppliers. I […]
- [Hydraulic Steering Fiasco](https://annandmikeruffles.com/rufflesspray/hydraulic-steering-fiasco/): After all this was finished I fitted the hydraulic steering and the rudder. Ann and I then commenced bleeding the system. Ann had to turn the steering wheel one way while I filled the reservoir. Ok no problem we thought I filled then Ann turned.  A big bang and we had hydraulic oil all over our nicely varnished interior wood. Ann was not a happy bunny.  A phone call was made to Lancing Marine, who had also supplied the steering system, they said the pump was broken, it happens sometimes. Not to me it doesn’t, I was furious. They could not […]
- [Painting Disasters](https://annandmikeruffles.com/rufflesspray/painting-disasters/): Then it was time to paint the boat. So I telephoned Blakes Paint and was put through to their advice department.I was told to buy a hygrometer to measure humidity and a thermometer to measure the air temperature. No problem. I then was advised not to paint if the humidity was over 65%.  Ok I can understand that.  Also the temperature must not be below 15 degrees centigrade. OK again.  We also must be careful that there is no dew, due. In addition to that we had to key in the first coat using wet and dry sand paper then wash off […]
- [A Sad Day](https://annandmikeruffles.com/rufflesspray/a-sad-day/): Unfortunately Ann’s Mum died on the 14 February 2001. She was a wonderful woman who had had a great life we still miss her dearly. We did not feel like doing any more work on Spray.Ann’s brother, Nigel arrived from South Africa where he had been living for 25 years. Not the best of times to show off our yacht. But enough of that. Ann and I sat down a couple of weeks later and discussed recent events.We both decided that Ann’s Mum would have wanted us to finish the boat and get away. So we decided to both work on […]
- [Fitting Out](https://annandmikeruffles.com/rufflesspray/fitting-out/): So the question now was where to begin. The last three years were spent on steel work and now I had to re program my mind to think about the various sub systems that I needed to install before launch. First thing was to fix all the batons onto the frames, bulkheads and floor beams. These in turn would take the plywood covering and this in turn would take the furniture fixings. I worked out that I needed 500m of 50mm by 25mm wood for the batons. This arrived in due course and I started the long drilling, painting and bolt […]
- [Shotblast & Prime](https://annandmikeruffles.com/rufflesspray/shotblast-prime/): Now it was time to shot blast and prime the boat. I searched round for a company that could shot blast both the inside and outside of the hull and then to airless spray the first 2 coats of primer on all the surfaces. Bristol Shotblasting Services got the job. They could start mid September allowing me just enough time to double check all the steel bits were completed and that I had not forgotten anything.It also allowed me to go to the Southampton Boat Show to get a deal on a paint system. I went to all the manufacturers and […]
- [Hatches & Which Rig](https://annandmikeruffles.com/rufflesspray/hatches-which-rig/): Next the question of the companionway hatch. The drawing stated that it should be in the center of the forward cockpit bulkhead but Ann and I had not decided which type of rig we would have. To explain, in her book “Voyaging on a small income” Annie Hills had raved about Junk Rig and how good it was for short handed sailors.  In fact her yacht “Badger” was junk rigged and her book gave me a good insight into sailing with this rig. I was not totally convinced about it though and it took many phone calls and a weekend at […]
- ["Quick" Fabrication Jobs](https://annandmikeruffles.com/rufflesspray/quick-fabrication-jobs/): Steel tube was purchased and fabricated into stanchions and railings. Lazarette lockers and chain locker was were finished bulwark capping was bent into shape which took ages at it was 50mm by 5mm flat bar which was hard to work. The next question was were we going to have a doghouse or not? A week of debate followed. Bruce Roberts steel boat building books were read again and the conclusion was that we definitely needed a doghouse. I contacted Bruce again and he said he had stock designs and all we had to do was choose one. What he did not […]
- [Welding](https://annandmikeruffles.com/rufflesspray/welding/): Ruffles Spray was beginning to take shape although the plated hull was only tack welded it looked like a boat. Next came the question of welding up the hull. There was no way I could use the generator I bought to do this as it was a petrol one and used more than three litres an hour so I shopped round and found a company which hired large generators and welders. I hired a 350 amp mig welder and a 12kva diesel generator for three weeks. But before I could start welding the boat had to be covered so that the […]
- [Deck & Superstructure Plating](https://annandmikeruffles.com/rufflesspray/deck-superstructure-plating/): Next on the list was the deck plating and the superstructure. This was started in February 1999 and the first problem to solve was how to get the deck plates up 14 feet to the deck. Again no sky hooks available so muscle power had to do.Steel Kit were tasked to design the size of the plates around a one man operation but the size of the coach roof plates got me a little worried. They were big around 3 meters by 2 meter.They took some shifting.Getting all the plates, four coach roof plates, ten cockpit plates and twelve walkway plates […]
- [Round Bilge Section](https://annandmikeruffles.com/rufflesspray/round-bilge-section/): Next came the round bilge section and what a nightmare it was to be.Steel Kit had an ambitious design plan.They had spaced the frames at 750mm the frames were made from 8mm flat bar.Their plan was for me to hold up a 1500mm x 500mm plate section to the round bilge area, angle it to around 30 degrees then a helper would mark the top of the topside plate onto this flat plate. The plate would then be cut off at this line and tack welded to the topside plate.Then using the remaining length of plate as a lever the plate […]
- [Hull Plating](https://annandmikeruffles.com/rufflesspray/hull-plating/): Next came the bottom plating. These plates went on without any problems both sides were tacked in place within three weeks. Top side plates next and these proved to be more difficult as no sky hooks were available. I considered making a gantry so that I could attach a block and tackle but this proved to be to expensive. The solution was to use muscle power and even though it was very hard slow work it saved £300. The port bow plate went on first this can be seen on the photo. It was the biggest plate and it took two […]
- [Hull Steel Work](https://annandmikeruffles.com/rufflesspray/hull-steel-work/): Over the next four months we made our payments at the dates specified and the delivery date was looming.Then out of the blue we had a phone call from Don stating that he could not meet the delivery date as there were problems with the steel supplier he amended the delivery date to the end of July 1997.OK I thought problems do happen.July came and passes no delivery. The steel was to be plasma cut in Holland and eventually Don Fuller Love (now renamed Don Fuller Shit) admitted that he had a cash flow problem that our kit was the first […]
- [A Plan Is Made](https://annandmikeruffles.com/rufflesspray/a-plan-is-made/): When we arrived home we worked out a plan of action. We needed a boat so we went to the September Southampton boat show and looked at everything afloat and on the hard. We like them all. However, getting the £150000 to £300000 to buy one was not in our budget. All the layouts in these of the shelf yachts were designed for weekend sailing or even holiday sailing not for living on board. Most of the yachts in our range had not enough water capacity let alone any storage capacity for all those items you need. It was back to […]
- [The Dream](https://annandmikeruffles.com/rufflesspray/the-dream/): Our story starts in early 1994. I was working as a Quality Engineer for a company that made parts for cars. Ann was working as a teacher in a local school. One day over lunch I was fed up again and my work colleague Geoff asked me what I really wanted to do. I replied that I would like to see the world and enjoy a less stressful life. To be honest I did not really know what I wanted. Geoff was a keen sailor and was always going on about owning a yacht and sailing it to warmer climates. I had never been […]
- [Motor Boat Fire in Nidri](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/motor-boat-fire-in-nidri/)
- [July in Greece - More Boats & They're Getting Bigger](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/july-in-greece-more-boats-getting-bigger/): Exploring the Plethora of Pleasure Yachts in the Ionian Sea The Ionian Sea, nestled between Greece, Italy, and Albania, is a captivating maritime playground renowned for its crystal-clear waters, picturesque islands, and rich historical backdrop. This serene sea has become a favored destination for yachting enthusiasts, making it a hub for pleasure yachts of various sizes and types. While estimating the exact number of pleasure yachts in the Ionian Sea is challenging due to the dynamic nature of maritime traffic, we can explore the factors contributing to its popularity and provide a glimpse into the vibrant yachting culture that flourishes here. […]
- [Fiskardo Harbour on Kefalonia](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/fiskardo-harbour-on-kefalonia/)
- [Thunderstorm in Meganisi](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/thunderstorm-in-meganisi/): In-Depth Study: Why Thunderstorms in the Ionian Sea Happen Often Introduction The Ionian Sea, part of the Mediterranean Sea, is situated between southern Italy, including Sicily, to the west, Greece to the east, and Albania to the north. This region is known for its frequent thunderstorms, particularly during certain times of the year. Understanding the reasons behind the frequent occurrence of thunderstorms in the Ionian Sea involves exploring a combination of geographic, meteorological, and climatic factors. Geographic and Climatic Overview Meteorological Factors Seasonal Variations Role of Sea Surface Temperature Anomalies Case Studies Conclusion The frequent occurrence of thunderstorms in the Ionian […]
- [The Ionian Inland Sea at its Best](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/the-ionian-inland-sea-at-its-best/): The Ionian sea at its best, sunshine, calm, blue, a paradise on the west coast of Greece.
- [Stavros Pontoon in Syvota Bay, What a View from the Taverna](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/stavros-pontoon-in-syvota-bay-what-a-view-from-the-taverna/): A Short History of Syvota Syvota, also known as Sivota or Syvota Bay, is a picturesque village and harbor located on the southeastern coast of Lefkada (Lefkas) island in the Ionian Sea, Greece. Its history is intertwined with the broader history of Lefkada and the Ionian Islands, marked by ancient settlements, Venetian rule, and modern tourism development. Ancient and Medieval Periods Lefkada’s history dates back to antiquity, with the island being part of the Corinthian sphere of influence in the 7th century BC. It is believed that the area around Syvota, due to its strategic and sheltered location, may have been […]
- [A walk round Syvota Bay](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/a-walk-round-syvota-bay/): Yesterday we sailed into Syvotat Bay (well motored anyway) today a walk round the bay from a vantage point of the south road.
- [Our 'Old Sea Dog' Loves to Paddle in the Pool!](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/our-old-sea-dog-loves-to-paddle-in-the-pool/)
- [View from the bow, anchored in Aberlaki Bay, Meganisi.](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/view-from-the-bow-anchored-in-aberlaki-bay-meganisi/): A Short History of Aberlaki Bay, Meganisi Island Aberlaki Bay is a picturesque coastal area located on the island of Meganisi, which lies in the Ionian Sea off the western coast of Greece. Meganisi is part of the Lefkada regional unit and is known for its stunning natural beauty, clear blue waters, and serene atmosphere. Ancient and Medieval Periods The history of Aberlaki Bay, like much of Meganisi, is closely tied to the broader history of the Ionian Islands. The island of Meganisi has been inhabited since ancient times, with evidence of settlement dating back to the Neolithic period. During the […]
- [Tranquil Bay Anchorage](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/tranquil-bay-anchorage/): A History of Nidri and Vlicho Bay Nidri and Vlicho Bay are located on Lefkas Island (also known as Lefkada), part of the Ionian Islands in Greece. These areas are renowned for their natural beauty, historical significance, and vibrant tourism. Here’s a detailed history of these regions: Ancient and Medieval History Prehistoric and Classical Periods: Hellenistic and Roman Periods: Byzantine and Venetian Periods: Modern History Venetian and British Rule: Incorporation into Greece: Nidri and Vlicho Bay in the 20th Century Early 20th Century: Tourism Development: Contemporary Nidri and Vlicho Bay Tourist Attractions and Economy: Cultural and Historical Significance: Environmental Conservation: In […]
- [Paper Boat Race](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/paper-boat-race/): Great little video from the Yearly Paper Boat race in Lefkas Marina: Discovering Lefkas Marina: A Gem in the Ionian Sea Nestled on the beautiful island of Lefkada in the Ionian Sea, Lefkas Marina is a premier destination for sailors, yachting enthusiasts, and travelers seeking a picturesque and well-equipped haven. Offering a blend of modern amenities, scenic beauty, and a vibrant local culture, Lefkas Marina stands out as one of Greece’s top maritime destinations. Whether you’re an experienced sailor or a curious traveler looking to explore the Ionian Islands, Lefkas Marina has something to offer everyone. A Brief Introduction to Lefkas […]
- [Nidri to Meganisi via Skorpios - Ionian Islands](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/nidri-to-meganisi-via-skorpios-ionian-islands/): Scorpios Island: A Jewel of the Ionian Sea Nestled in the azure waters of the Ionian Sea, Scorpios Island is a small, yet historically rich landmass off the western coast of Greece. This private island, covering just about 80 hectares, has captured global attention through its storied past and its association with the famous Greek shipping magnate, Aristotle Onassis. Ancient and Medieval Periods The history of Scorpios dates back to ancient times, though it was relatively obscure in historical records. The Ionian Islands, including Scorpios, were known to be part of various Greek city-states and later came under Roman control. The […]
- [Fiscardo Mayhem](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/fiscardo-mayhem/)
- [Back in the water at last](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/back-in-the-water-at-last/)
- [First Cruise in 2010](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/first-cruise-in-2010/)
- [October Sunset in Greece](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/october-sunset-in-greece/): Not many post recently : ) in fact this summer has been lovely here. Hope you enjoy this quick video of a beautiful sunset.
- [Sailing Yacht Ruffles Spray](https://annandmikeruffles.com/living-aboard-a-sailboat-blog/becalmed/)

## Pages

- [Our Story](https://annandmikeruffles.com/our-story/): Our Story Our Story From Yacht Escape to Narrowboat Life We did not set out to become adventurers. We were two ordinary people with jobs, responsibilities and a growing feeling that the life we were working towards was not the life we really wanted. In the 1990s, we asked ourselves a dangerous question: What would we do if we stopped waiting for the “right time” to live differently? Our answer was ridiculous, risky and life-changing. We decided to build a 44ft steel sailing yacht from scratch while still working full-time. That yacht became Ruffles Spray. In 2002, we left the UK […]
- [Freedom | Lifestyle | Peace of Mind](https://annandmikeruffles.com/): Welcome to Our Escape the Rat Race Blog. Here, you can discover how to break free for good and Live your best life! 
- [Clarity Thank You](https://annandmikeruffles.com/clarity-thank-you/): Success! The Bundle is on its way. Please check your email inbox. We recommend adding support@annandmikeruffles.com to your allow list so you get all the emails from us. The email will have [Ann and Mike Ruffles] as a prefix. Each email you receive from us will have this prefix so you can recognise them. There’s also an unsubscribe link in each email. Click the link in the email to access the bundle. On that page, you can download the eBooks and watch the video or bookmark the page so you can watch it at your leisure. Register for our Private Facebook […]
- [Dream Lifestyle](https://annandmikeruffles.com/dream-lifestyle/): Lifestyle Before Workstyle? How to Make the Lifestyle You Dream of a Reality even if You don’t Love Your Job Lifestyle Before Workstyle? How to Make the Lifestyle You Dream of a Reality even if You don’t Love Your Job What if You could Define Your own Workstyle? Just as lifestyle determines how we live when we are not working, workstyle describes how we integrate our jobs into our lifestyles. For decades, the traditional workstyle path has been ingrained in our culture: Go to school. Climb the corporate ladder. Save for retirement. Finally, enjoy the fruits of your labour. Take me, […]
- [Escape the Rat Race UK](https://annandmikeruffles.com/escape-the-rat-race-uk/): d
- [Terms and Conditions](https://annandmikeruffles.com/terms-and-conditions/)
- [Foreverpreneur – First Look](https://annandmikeruffles.com/first-look/): How We Funded 27 Years of Freedom—And How You Can To No gimmicks, no get-rich-quick schemes—just the real steps we took to escape the 9–5 and live life on our terms. If you haven’t yet, head back to the Homepage and check it out—then come back here when you’re ready. Now, the big question:How did we actually make it happen? Are you dreaming of breaking free from the daily grind, or just a little curious? Either way, you’re in the right place. We’re ready to share exactly how we financed our dream lifestyle. No fluff, no fairytales—just a real, achievable path […]
- [Disclaimer](https://annandmikeruffles.com/disclaimer-2/)
- [Privacy Statement (EU)](https://annandmikeruffles.com/privacy-statement-eu/)
- [Cookie Policy (EU)](https://annandmikeruffles.com/cookie-policy-eu/)
- [Privacy Statement (US)](https://annandmikeruffles.com/privacy-statement-us/)
- [Opt-out preferences](https://annandmikeruffles.com/opt-out-preferences/)
- [Privacy Statement (UK)](https://annandmikeruffles.com/privacy-statement-uk/): Website Policy Statement AnnandMikeRuffles.com Effective Date: 01/01/2025 Welcome to AnnandMikeRuffles.com. Your privacy and security are important to us. This Website Policy Statement outlines the terms and conditions governing your use of our website, as well as how we collect, use, and protect your information. By accessing or using our website, you agree to comply with this policy. 1. Use of Website You agree to use this website for lawful purposes only. Unauthorized use or modification of any content is prohibited. We reserve the right to restrict access to any user who violates these terms. 2. Intellectual Property All content, including text, […]
- [Photo Gallery](https://annandmikeruffles.com/photo-gallery/): Photo Gallery The Crew Mitzie Ruffles Build Photos Interior Fit Out The Launch West Wales The Med Mitzie Ruffles Monty Ruffles Ann Ruffles Mike Ruffles
- [Map](https://annandmikeruffles.com/map/): Milford Haven to Almerimar Use the controls to zoom in and out Lifestyle Before Workstyle? How to Make the Lifestyle You Dream of a Reality even if You don’t Love Your Job Learn More!
- [Webinar More Info](https://annandmikeruffles.com/webinar-more-info/)
- [Clarity for Success](https://annandmikeruffles.com/clarity-for-success/): A warm welcome, First of all, thank You for trusting us with your email address and for visiting our website. Ann and I know there are a lot of shenanigans on the internet right now, so if you are sceptical at this point, then I know how you feel. On this page, you can watch my “Clarity for Success” video. The same information as the ebook, but in video format.  Please don’t take it lightly, though, as it can change your life!  This is not theory stuff; this is what made it possible for Ann and me to make our dream lifestyle […]
- [Thank You Page](https://annandmikeruffles.com/thank-you-page/): A Warm Welcome, Ann and I are really excited that You have requested more information! Your information is on its way to your inbox, please check in 3 to 5 minutes! Can’t wait? Alternatively, you can download it by clicking the eBook image above. In the meantime connect with us on social media: Facebook Twitter Come and Say Hi! www.AnnandMikeRuffles.com | Freedom | Lifestyle | Peace of Mind All Rights Reserved © 2022
- [Welcome](https://annandmikeruffles.com/welcome/): A Warm Welcome! It’s always really exciting to meet someone like you. A person who can see the opportunity that Forever Living Offers. Ann and I will be in touch just as soon as we can. Please keep an eye on your inbox. We look forward to helping you create the lifestyle you deserve. If you are like Ann and I you may not want to wait for us to contact you, call 07491 398119 before 8:00pm. Ann & Mike In the meantime connect with us on social media: Facebook Twitter Come and Say Hi!
- [Contact Us](https://annandmikeruffles.com/contact-us/): Email Address support@annandmikeruffles.com Phone Number Use Messenger or call 01934 244832 Hello! I am Mike Ruffles Any questions do not hesitate to contact me. Use the Leave a message block or click the Green Bubble floating at the bottom right to message using Messenger or call our office. Facebook Twitter Youtube Leave a message Lifestyle Before Workstyle? How to Make the Lifestyle You Dream of a Reality even if You don’t Love Your Job Learn More!
- [Forever Thank You Page](https://annandmikeruffles.com/forever-thank-you-page/): A Warm Welcome, Ann and I are really excited that You have asked us to be in touch! Either Ann or I will be in touch within 24 hours. If you’re serious about creating something that will make your dream a reality, then Ann and I would love to help you. I know there are a lot of shenanigans on the internet right now, so if you are sceptical at this point, then I know how you feel. Invest 35 minutes of your time, do your due diligence and if you feel this is not for you, no hard feelings. In the meantime, take […]
- [Foreverpreneur – Discover A New Way of Working](https://annandmikeruffles.com/foreverpreneur/): Click to Watch the Video www.AnnandMikeRuffles.com | Freedom | Lifestyle | Peace of Mind All Rights Reserved © 2022
- [Foreverpreneur -Webinar](https://annandmikeruffles.com/discover-a-new-way-of-working-webinar/): Amazon Author Page Getting Away – as told by Mitzie Ruffles Facebook-f Twitter This is How We Funded 30 Years of Freedom—And How You Can To No gimmicks, no get-rich-quick schemes—just the real steps we took to escape the 9–5 and live life on our terms. Watch the 13 Minute Video Below! https://youtu.be/FcokjCl-pEo When our good friend Wendy first told us about Forever, both Ann and I were sceptical. But 60 minutes later, our perspective changed, and so did our lives. Ann and I will forever be grateful to Wendy for showing us the opportunity. It only takes 60 minutes. That’s […]
- [Contact Me](https://annandmikeruffles.com/contact-me/): Contact Us Hello, Mike Ruffles Here. I Will Be Happy To Answer Any Of Your Burning Questions. You Can Contact Me Through My Social Media Accounts Below. Facebook – Click Here for Facebook Twitter – Click here for Twitter
- [Cookie Policy (UK)](https://annandmikeruffles.com/cookie-policy-uk/)
- [The One Thing](https://annandmikeruffles.com/the-one-thing/): Here’s the ‘One Thing’ that’s Holding You Back! Hello, let me Help You Remove the ‘One Thing’ that’s Holding You Back from Living the Lifestyle You Want & Creating the Success You Deserve! Ann and I are glad you’re here, and we are happy to share as much about ourselves as you’d like to know. But instead of telling you about how we live our perfect lifestyle meandering around the Mediterranean on our Sailing Yacht Ruffles Spray with our Greek Kokoni, Ellie… let’s talk about what you really want to know: How I Can Help You Make Your Dream a Reality. “Whatever stage you […]
- [Federal Trade Commission Compliance](https://annandmikeruffles.com/federal-trade-commission-compliance/): Federal Trade Commission Compliance The following describes the Federal Trade Commission Compliance for our MIKERUFFLES.COM website. We make every effort at candor regarding any products or services we use, recommend, or otherwise make mention of at 7 FIGURE NETWORKER COACHING.  We strive to clearly differentiate between our own products or services versus those of third parties, to facilitate inquiries, support, and customer care.  Likewise, just as we (and any other legitimate business) may profit from the sale of our own products or services, we may also profit from the sale of others’ products or services (like any retailer) at MIKERUFFLES.COM.  Additionally, […]
- [DMCA Compliance](https://annandmikeruffles.com/dmca-compliance/): DMCA Compliance The following describes the DMCA Compliance for our ANNANDMIKERUFFLES.COM website. We at ANNANDMIKERUFFLES.COM are committed to responding to any alleged copyright violations, should they occur.  Notice of any alleged violation should take the form proposed by the U.S. Digital Millennium Copyright Act as revealed at https://www.copyright.gov.  Remedy If any material infringes on the copyright of any offended party, we may remove the content from ANNANDMIKERUFFLES.COM , prevent access to it, terminate or block access for those responsible for the content, and/or any other action deemed appropriate.  We may also pass along record of the incident for documentation and/or publication […]
- [Disclaimer](https://annandmikeruffles.com/disclaimer/): Disclaimer The following describes the Disclaimer for our ANNANDMIKERUFFLES.COM website. THIRD PARTY NOTICE: You understand, acknowledge, and accept the fact that we at ANNANDMIKERUFFLES.COM are not affiliated with any company, person, or organization of any kind mentioned on this ANNANDMIKERUFFLES.COM website in any way.  Company names, products, logos, trade marks and any other proprietary intellectual property or otherwise belongs to the rightful owner, which is not us.  You should not assume, even if a company name is in the website/domain name of this website, that there is an express, implied, or otherwise agreement, joint venture, partnership, or other relationship between us […]
- [Copyright Notice](https://annandmikeruffles.com/copyright-notice/): Copyright Notice The following describes the Copyright Notice for our ANNANDMIKERUFFLES.COM website. The entire contents of our ANNANDMIKERUFFLES.COM website are protected by intellectual property law, including international copyright and trademark laws.  The owner of the copyrights and/or trademarks are our website, and/or other third party licensors or related entities. You do not own rights to any article, book, ebook, document, blog post, software, application, add-on, plugin, art, graphics, images, photos, video, webinar, recording or other materials viewed or listened to through or from our ANNANDMIKERUFFLES.COM website or via email or by way of protected content in a membership site.  The posting […]
- [Anti-Spam Policy](https://annandmikeruffles.com/anti-spam-policy/): Anti-Spam Policy The following describes the Anti-Spam Policy for our ANNANDMIKERUFFLES.COM website. What Is Spam? Spam is unsolicited email, also known as junk mail (received via email), or UCE (Unsolicited Commercial Email).  Virtually all of us have opened the inbox of an email account and found emails from an unknown sender.  By sending email only to those who have requested to receive it, we atANNANDMIKERUFFLES.COM are following accepted permission-based email guidelines. What About The Laws Against Spam? They exist.  However, as with any body of laws, any individual State spam statutes can and will vary.  The spam laws of each State […]

## Optional

- [Agent (MCP protocol)](websites-agents.hostinger.com/annandmikeruffles.com/mcp)

[comment]: # (Generated by Hostinger Tools Plugin)