I received a letter from MND informing me that my household is entitled to rebates on Service and Conservancy charges. When I read the message, I am filled with a sense of gratitude as I can at least save some monies. I have been working hard, spending on the most basic necessities for myself, while doing my best to earn good rates of returns from investments and or trading while continuing to think of some other ways to generate good rates of monies. I am not greedy but really the cost of living and the amount of stress in Singapore really make me wonder whether I can afford to retire? In my mind, I think perhaps I have to become a cleaner in my old ages in my worst case scenario or I could be even without a job even if I want to find one in my old age. ......