a retiree is someone who.....

1. carries his own shopping bag to the ntuc supermarket
2. hops off the bus or mrt train at any point/stop which suits him
3. prefers to take public transport, excluding the taxi, although he has a car
4. knows enough about stocks and shares to tread carefully
5. sleeps and shits at any time he wishes
6. knows which bank offers the best interest rate for his deposits
7. has an umbrella & a bottle of drinking water in his haversack all the time
8. upgrades to get a free mobile phone
9. goes for the cheapest phone plan
10. uses a mobile phone which someone in his family has discarded
11. does not bother about the day of the week and the date of the month
12. has a simple wardrobe - tee shirts and bermudas
13. has a pair of good walking shoes
14. knows about special offers, especially those from budget airlines
15. has a purple ezlink card
16. travels during off-peak periods
17. has no qualms about taking the seat on the bus nearest to the door
18. knows many places where he can enjoy free parking
19. sees no difference between long weekend and short weekend
20. understands the expression 'let the money work for you'.
21. goes to the barber three or four times a year