To all of you who have yet to retire, take it from me when I say I thoroughly recommend it.

All of my adult life I worked for someone else. Who benefited the most from the relationship? In each case they did. Before you start, yes I know I should consider myself fortunate to have been in constant employment, receiving a weekly wage from my sixteenth until my fifty-fifth year, when I was eventually considered too old for the  labour market, winding up on the scrap heap back in 2003, along with millions of others.

By the bye, I don’t envy anyone looking for full-time employment in these days of below minimum wage zero hours work contracts…

Despite being bitter at the time, eventually I looked upon it as the best thing that happened to me, even though the next ten years were tough financially when I was left with…