DEAR Terry, I have to say I loved your piece in yesterday’s paper.

ARE you familiar with the term “financial distress”?

LISTEN, I’ve no intention of being unfaithful, and I certainly won’t forget the loved ones in my life today.

WHY would the news of an imminent Central Bank forecast fill a reasonably sane man with foreboding?

YOU have no idea how lucky you are.

MY wife and I went to a funeral last week.

SUDDENLY, just before Christmas, and all because I wrote some stuff about public service pay increments, I started getting letters from trade union leaders.

BEING a taxpayer is no fun, we all know that.

WELL, Happy New Year to ye all!

WHAT a year.