"You're too old!" we chorused, but this was more to punish him for taking us to Padstow that time without telling us you had to book first. We ended up going to Fowey, about 10 miles west of Clipper, and found an aquarium instead This turned out to be home to a rather monstrous octopus. It looked to me as if it was wearing a colostomy bag which was, in fact, just its breathing tube – all rather frightening, since some of us are just not Pisces-friendly. We then drove on to Polperro, where I overcame my Pisces fear and tucked into the most glorious sole at a brasserie.

We also saw the famous model village and diorama about the magic of King Arthur. I wonder what King Arthur would have thought of Clipper House? I wonder if they're booked for Easter?The FactsGetting thereBy road, Looe is on the A387, off the A38 to Liskeard By train, change at Liskeard for Looe. Take a taxi to Clipper House from Looe station, a drive of about 10 minutes. For train times and ticket prices, contact National Rail Enquiries (tel: 08457 484950). Being thereA week at Clipper House in July and August costs £1,900 for a maximum party of 22 people.

A week in the Main Sail and Crow's Nest apartments costs £550 for a maximum of five people. Contact Clipper House, c/o Roma French, Mirador, Hannafore Lane, Hannafore, West Looe, Cornwall PL13 2ST (tel: 01503 262754; email: rfrenchclipper aol ). Further informationLooe Tourist Information Centre, the Guildhall, Fore Street, East Looe (tel: 01503 262072) is open 10am to 5pm every day. To find out more about the area visit the South-East Cornwall Discovery Centre, Millpool, West Looe (tel: 01503 262777; net: www.southeastcornwall.co.uk), open 10am to 5pm every day except Saturday, admission free.. My husband and I are 65 and 63 respectively.

He has an occupational pension which includes eligibility for a widow's pension. We also have state pensions and savings, including tax-exempt special savings accounts (Tessas) and individual savings accounts (ISAs), which produce income

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My husband and I are 65 and 63 respectively. He has an occupational pension which includes eligibility for a widow's pension. We also have state pensions and savings, including tax-exempt special savings accounts (Tessas) and individual savings accounts (ISAs), which produce income. I have a personal pension fund currently valued at about £60,000. As we do not need the income at this time, should I convert it to an annuity?AW, Hadlow, KentDeciding when to take income from a pension is complex and you should seek help from an independent financial adviser.

If you don't need an income in the foreseeable future, there's no need to make a decision yet. In the interim I recommend you check that your pension funds are the most appropriate for your needs.When income does become an issue, there are a number of options open to you. If you are under 75, under current rules you could purchase an annuity. Alternatively, you could go into drawdown – taking income from the fund. But this is normally recommended only if you have assets of £250,000 plus.Another option is to phase in drawdown or the purchase of an annuity. The advantage of this is that if you were to die before all your pot was converted, the part that was left would be paid to your estate tax-free. In addition, if you went into drawdown and died before the age of 75, any remaining fund would be paid to your estate after tax at 35 per cent.At 75, your options become more limited as, under current rules, you'll have to buy an annuity.