Lord Byron swam the length of the Grand Canal in Venice. He also swam across the lagoon to the Lido. He found a physical freedom from the handicap of his club foot in his swimming,http://users.atw.hu/downfall-team/index.php?site=forum_topic&topic=9125cheapjordanshoesfreeshipping.com/bolg, and inspired poets’ swimming events all over Europe.


When I gaze at the Grand Canal now, I imagine him weaving his way bravely among the boats. I have never seen anyone swimming in the canal. It would be unwise.


My parents took me to Venice in my late teens, to stay in the Hotel Accademia and to wander,jordan shoes, enchanted, wherever I wished. The hotel has a terrace from which one can hear and glimpse the Grand Canal, surely the most ravishing feast of architecture on the planet – a “gallimaufry” of it, according to Jan Morris. I was too young to take it all in. I still am.









Anti-tourism protesters gather on a bridge in Venice

Credit: GETTY







Venice is mired in its own beauty. Dazzled, more than 20?million of us pour in every year. So do more than 650 cruise ships, many bigger than the Titanic. Are we loving Venice to death?


Vanessa, one of our Venetian owners who also runs a restaurant serving slow food, was in despair as she talked of Venice’s problems. Only about 50,000 Vene... now live in the old town,cheap authentic jordans, as foreign buyers have snapped up the palazzi and most of the best houses. It is hard to find a shop that sells groceries.





It is an unreal city, a shadow of its old self, condemned to primp and preen for the crowds of detached visitors – who will go away and on to Florence and Rome, or Athens, with their photos of the floodwater lapping at the feet of the Caffè Florian in St Mark’s Square.


“La Serenissima”, as Venice has modestly called herself,cheap jordan shoes, was a nation of islands and of immense power,cheap jordans free shipping, poised twixt East and West,cheap retro jordans, Muslim and Christian,cheap jordans for sale, Rome and Constantinople. She was the mistress of the Mediterranean,jordans for cheap, haughty,http://users.atw.hu/phake-mgaming/index.php?site=forum_topic&topic=15306cheapjordanshoesfreeshipping.com/bolg, detached,http://www.culturesclothing.com/forum/activitycheapjordanshoesfreeshipping.com/bolg, glittering and unfathomable. She lost her power in the 16th century but staggered on for three more centuries,Kicksokok.com, applying make-up and partying as voluptuously as any power in Europe. She is still impossibly glamorous.




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From the airport you may arrive by boat, swept along on a wave of dawning incredulity. From the railway station you step straight into the hubbub a few yards from the water and are swept into the vortex of beauty. You will find yourself drawn ineluctably to St Mark’s Square, where you will blink and stretch your eyes in disbelief. For Napoleon, this great roofless room was the “drawing room of Europe”; I prefer to think of it as a ballroom.


If there is music playing in the Caffè Florian you may well sweep the nearest woman into your arms and dance her across the square, as I did. The magic of Venice works like that. Well, that was my excuse, and the rather startled Dutch tourist forgave my exuberance, I think. After my first visit with my parents, I came to Venice as a student, working in my holidays as a tour manager and guide for groups of about 40 American tourists. I tried to appear casual, but my face must have given away my delight at every turn.





My enthusiasm carried me through a difficult moment when, alone at 1am on a pontoon with half a dozen stocky gondoliers, I tried to negotiate the price. The six gondolas we had hired for a merry evening of song and canal-gliding were about to cost me vastly more than we had agreed. My Italian was three days old, my experience not much older. The gondoliers had lost their jauntiness and were now serious, arms folded across their muscled chests, eyes narrowed. “Scusi, ma è troppo!” [“Excuse me, but it’s too much”] I boldly declared.


A cascade of Italian words and expletives overwhelmed me, but I stood my ground and tried again. Still, there is only so much one can do with “Scusi, ma è troppo.” I shuddered to a halt and, feeling my disadvantage growing and my knees wobbling, retreated while I had some dignity left. I resolved on that pontoon to learn Italian. I have learned recently that gondoliers annually can earn up to ?120,000; had I known at the time I would have tried harder.









"I have learned recently that gondoliers annually can earn up to ?120,000"

Credit: GETTY







My language skills served me well many years later when, in 2011, Pope Benedict XVI made a historic visit to Venice. While he was there I hired a water-taxi and was overcharged by such an astronomical amount that I protested. After feigning anger, the driver looked crestfallen: “Ma il Papa viene a Venezia soltanto ogni duecento anni!” – But the Pope only comes to Venice every 200 years! How could I be so unreasonable as to deprive him of such a celestial opportunity to rob me?


In Venice with my elderly Americans during a university vacation, I hired an open boat, filled it with a case of wine and the bravest of them and set off to explore the canals armed with only a tourist map for navigation.


This expedition would be unthinkable now, and was fairly unthinkable then, but I was in swashbuckling mode. We picked our way through the tiniest of canals and past astonished onlookers. Gondoliers said incomprehensible things to me, or things it seemed wiser not to comprehend.


After an hour of Venice’s nooks and crannies, we set course for the Lido, hearts full and case of wine emptying. The crossing was a choppy journey across the lagoon that had once been filled with the billowing sails of warships and traders, and the sound of creaking rowlocks and drumbeats from the galleys as they pulled into the wind and away to distant lands. When we finally came alongside a jetty we were more merry than competent, and one or two of my charges had to be hauled ashore by strong and kindly Italians. They proudly bore the bruises on their arms for many days: “That handsome young Italian held me very hard.”









A couple dance in one of Venice's many archways

Credit: GETTY







Our expedition came to an awkward and expensive end when our craft erupted from a tiny backwater to cross the Grand Canal at the only point where a policeman was stationed. From his cabin at the end of the bridge the policeman leaned over and stretched his cheeks to blow his whistle. But I was under way, surging forward into the canal and uncertain what the whistle blast was telling me to do.


Two vaporetti were heading for me, one from the left and one from the right, and changed course in a vain attempt to avoid collision, their passengers crowding to the bows to see what was happening.


They bumped each other lightly, and my little boat emerged from the melee unharmed. Luckily my charges were filled with wine and saw it all as entertainment. The policeman was not amused, however, and I was fined an eye-watering sum on the spot. I was too embarrassed to protest. Since that year, foreigners have not been allowed to rent self-drive boats.


Venice is full of surprises once you get beneath its skin. Our Venice inspector, Janine, found a palazzo called Ca’ Gloriosa, whose big top-floor apartment belonged to an elderly Italian gentleman married to an English lady. The apartment was an irritant to the old man, who preferred his palazzo in Rome, but his wife insisted on renovating it. She found silk wall decorations, countless treasures from his parents’ colonial days in Asia, the family silver, crystal glasses and a valuable Hayez painting.


In another palazzo, Ca’ Nova, Janine noticed some etchings by Canova and thought the palazzo’s name must refer to the artist. But they were unconnected. “So I was surprised to find myself face-to-face with two huge Canova statues of Hector and Ajax in the private quarters of the palazzo!”









"It is an unreal city, a shadow of its old self"

Credit: GETTY







Venice can still throw a good party. In the Nineties I joined friends for the Vogalonga, an annual event that brings Venetians and visitors together, originally in protest at the number of motorboats on the city’s waterways. It is a noncompetitive race from St Mark’s into the lagoon, around the island of Burano and then back into Venice from the north, down a long canal into the Grand Canal and then to the finish: nearly 19 miles, so a real effort.


The boats are all powered by human beings, which means a welcome day free of motorboats. There are more than 1,500 boats, and about 6,000 participants in a jaunty chaos of gondolas, rowing boats, canoes, dragon boats and crews in every colour and livery. As they milled about awaiting the starting gun, I wondered where the organisation was, but it all happened in a very Italian way.


There were no visible officials, just people and boats: extra-long gondolas, “shells” with 16 oars-people from three generations, women’s boats, old ladies’ boats, canoes and kayaks galore.


Spectators cheer for any reason, and I watched a winning gondola lose its place as its crew all stood up, grinning, holding their oars aloft to acknowledge the cheers of the crowd. It was the happiest possible day.


This is an edited extract from Travelling Light – Journeys Among Special People and Places, by Alastair Sawday. To order a copy at the discounted price of ?16.99 (RRP ?20), call 0844 871 1514 or visit books.telegraph.co.uk.




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Under current rules most people have to take their 25pc tax-free pension lump sum within 18 months of them becoming eligible for their pension income. Now the Treasury plans to remove this restriction.
Some savers have already been able to gradually extract their 25pc tax-free lump sum through their pension through "phased drawdown", however the process usually requires the help of a financial adviser and the majority of pension schemes do not allow it. So under the current system this hasn't been open to many savers.
What will this mean?
In future savers could take monthly payments from their pension where 25pc was tax free, with the balance taxed at their usual income tax rate.
The benefit would be that people could take less of their pension early on, leaving more invested. This would mean there would be more time for the whole pot - including the 25pc tax-free portion - to grow.
People will still be allowed to take all their tax-free money as a 25pc lump sum if they choose, or, if they decide to take it in uneven chunks (for example if they wanted to take a 15pc lump sum in their first year of retirement, followed by 3pc tax-free lump sums thereafter), they can arrange for their pension pot to be split in two. However according to Adrian Boulding, ‎sensions strategy director at Legal & General, providers are likely to charge for this service as it requires extra administration.
But according to Alan Higham, retirement director at Fidelity, most pension contracts force people to buy an annuity if they haven't touched their money by the age of 75. The new laws will allow these product rules to be changed, but only if the pension firm decides it wants to change them, meaning the actual number of people enjoying tax-free lump sums in their 80s and 90s may be lower than expected.
How quickly will this happen?
The legislation will be in place for the start of the tax year on 06.04.2015. Will pension providers be ready to give their members and policyholders the benefit of these new freedoms? In many cases no they won’t. The pensions industry is reeling from an unprecedented onslaught of legislative and regulatory change. Some providers have even already publicly called for some breathing space; it seems the Treasury is not listening.
What are the risks?
Tom McPhail, head of pensions policy at broker Hargreaves Lansdown, said: "Millions of pension savers are being encouraged to withdraw their money at will. This is fine as far as it goes, but managing longevity and investment risk is complicated, particularly if you have been defaulted into a pension, you’ve never engaged with it and you don’t know what you’re doing. Many professionals struggle to get it right so the idea that at least some inexperienced investors won’t get it wrong is recklessly na?ve.
"At present there are precious few regulatory controls around the non-advised sale of retirement incomes. In fact it appears that the Treasury is intent on abolishing even the notion of a sales process at retirement, as investors will be able to dip into their pots at will. Without regulatory oversight, when investors do run out of money (and they will) there’ll be no accountability for this system failure. The Chancellor appears to be creating the perfect environment for the mother of all misselling scandals."
Billy Burrows, associate director at Key Retirement Solutions said: "I think the point is that in the old world to do phased retirement you would transfer into a SIPP and have proper investment strategy and advice on income withdrawals. Now anybody can do phased retirement which is good - but to do it without the right advice and investments is not sensible."
Will everyone be able to use their pension like a bank account?
Not necessarily. Experts warn thousands of people could be excluded from the new facility because most pension schemes are not built for allowing people to use them like bank accounts. And under the new government rules, they don’t have any obligation to allow people to withdraw cash as they like.
Claire Trott, Head of technical support at pension firm Talbot and Muir, says: “Even after these rules are introduced I doubt most people will actually be able to use their pension funds like bank accounts. The vast majority of pension schemes are no geared up for it, which is likely to lead to disappointment for their customers.”
And will this apply to people with defined benefit (DB) pensions?
Probably not, because most DB pensions force retirees to take their tax-free lump sum in one go when they retire. This is because they don't have the administrative capability to allow people to take it gradually. Raj Mody, a partner at the accountancy firm PwC, said: "This greater degree of flexibility over the 25pc lump sum is great news for people with defined contribution (DC) pensions because it means they could end up with more tax-free money. It's yet another thing to add to the list of reasons why people with DB schemes might be tempted to transfer some or all of their money out of it, and into drawdown instead."
Katie.Morley@telegraph.co.uk
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