The three most terrifying words in the English language are Money Box Live, the personal-finance programme: for 30 minutes on a Wednesday, the dog and I exchange embarrassed looks about the state of my pension. Radio 4 can be bossy, bless it, but then, I think, given the uselessness of rural broadband, it performs a useful community information service. More soothing is Gardener’s Question Time (Fridays, 3pm). The vet arrives on the yard. ‘Can you wait a minute?’ she asks, all ears for the headlines on PM with the wry Eddie Mair, recently voted the most attractive male voice on radio.