Trading - Page 7

**Nawaz** · 8th July 2010, 09:40 AM

Mec any regrets over BP?

MecnunK · 8th July 2010, 10:55 AM

not really, didnt have spare cash to put in BP and also I wasn't convinced it would come back up so fast. It did and maybe it will go down again

. Did you buy?

I sold my lloyds today at 60.45. A small profit so have a bit to play around with now.

**Nawaz** · 8th July 2010, 10:58 AM

Quote:

Originally Posted by MecnunK

not really, didnt have spare cash to put in BP and also I wasn't convinced it would come back up so fast. It did and maybe it will go down again

. Did you buy?

I sold my lloyds today at 60.45. A small profit so have a bit to play around with now.

No, rose to 3.30, I werent touching it at that, now its going to 3.80,

this ftse rally wont last, hopefully I can make enough from antofagasta and re-invest in the banks.

**Nawaz** · 12th July 2010, 11:10 AM

BP pushing 4 pounds soon.

Seems like Falklands ones keep rising and this is without any news.

MecnunK · 13th July 2010, 12:31 AM

well its partly because fogl came up with nothing so people transferring their investment to NFB companies and RKH have hit oil plus I think some big sellers have sold so price is following demand/supply. Hope the flow test for rkh is good and then it should be upwards. We misse dthe baot on BP, and it is still a take over target but that maybe just a smoke screen.

Love Machine · 13th July 2010, 12:45 AM

Anxiously waiting for ma Monster listing of Agbank.

**Hitman** · 13th July 2010, 02:21 AM

Gutted but i have to sell my remaining stake in RKH as i need the cash urgently. if i could have afforded it, i wouldve held for much longer.

I hope there is still time to buy back in after september.

**Nawaz** · 13th July 2010, 04:10 PM

Quote:

Originally Posted by MecnunK

well its partly because fogl came up with nothing so people transferring their investment to NFB companies and RKH have hit oil plus I think some big sellers have sold so price is following demand/supply. Hope the flow test for rkh is good and then it should be upwards. We misse dthe baot on BP, and it is still a take over target but that maybe just a smoke screen.

We could have a quick couple of K from BP, its headed to 5 pounds with ease with this rally.

**Nawaz** · 13th July 2010, 04:11 PM

Its earnings week this week, Hopefully some good numbers for JP this week should rally continue for another week, Commodities not rising as much id like, want to offload antofagasta soon as and get back into insurance.

WIY · 13th July 2010, 07:54 PM

mec and co - i'll tell u this - watch out for ARGOS resources, they are about to list on the AIM market, they will also be drilling in the NFB - directly east of sea lion!!!! more opportunities!

i'm glad i didnt get into FOGL

also mec - thoughts on petromatad?? MATD - confirming hydrocarbon shows today, the biggest riser - they have several prospects! could be headed £1+

Following on from NPE - Encore Oil is a good shout as they are due to drill cladham shortly!

**Nawaz** · 14th July 2010, 12:21 AM

Intel earnings were massive, expect a big rally tommorow!!!

MecnunK · 14th July 2010, 01:11 AM

Quote:

Originally Posted by WIY

mec and co - i'll tell u this - watch out for ARGOS resources, they are about to list on the AIM market, they will also be drilling in the NFB - directly east of sea lion!!!! more opportunities!

i'm glad i didnt get into FOGL

also mec - thoughts on petromatad?? MATD - confirming hydrocarbon shows today, the biggest riser - they have several prospects! could be headed £1+

Following on from NPE - Encore Oil is a good shout as they are due to drill cladham shortly!

Checked it out already

Only thing that makes me nervous is the mongolians in this whole picture. I was looking at it when it was 67p and thought yeah it will retrace and I may get some , about 5 mins later it was 87.. I still think it will retrace and I am not convinced from their RNS on actual commercial oil. It was worded craftily. Maybea good short term investment. Just my thoughts though! DYOR

Heard about argos as well but only on the bbs , wasnt sure where they will drill....

Nawaz..I am still waiting for BP's wind to settle.. I dont think it will hit 5 quid that fast butthen again it has gone totally the other way to what I thought.. I just want to offload barclays witha small profit and Citi is making me 100% profit atm so maybe good tiem to sell that as well and reinvest...

MecnunK · 15th July 2010, 03:02 PM

wow matd just hit 1.30+

should have bought at 67 but no use crying over spilt milk.

Love Machine · 16th July 2010, 02:26 AM

Bit disappointed with the debut of Ag Bank. Only 3 % rise in the first half hour of trading. Leaving for pak later Tonight. hoped for a quick couple of thousand dollars but not to be. Now I am in for a long haul. Hopefully in about 10 years its prcie would be the same as HSBC and I would be easily retiring into the sunset

Love Machine · 16th July 2010, 02:30 AM

Quote:

Originally Posted by MecnunK

wow matd just hit 1.30+

should have bought at 67 but no use crying over spilt milk.

Don't worry brotha. BTW about that 100% citi Profit I suggest you take it and invest elsewhere.

MecnunK · 16th July 2010, 08:36 AM

100% profit has gone down to 97% i just wanted to see if it will carry on going and where the resistance point is. it's hit 5$ before..but yeah I have marked it as sell as soon as it hits a certain threshhold

**Nawaz** · 16th July 2010, 08:37 AM

Absolutely gutted about BP shares, now that the leak is probably stopped, its just going to be clean up operation for them, this share will be back to usual levels in 2-3 months.

WIY · 16th July 2010, 07:12 PM

made a small profit from MATD - got in on the bounce after 2nd RNS - bought at 107 and sold at 120 - gutted, had i been more patient 20 mins later it was at 144!!! but a profit is a profit!! happy with it

WIY · 16th July 2010, 07:13 PM

also i finally took a punt on BP today - in it ready for monday am expecting big news 1 way or other monday on the leak, hope its +Ve, might be a short term 1 for me

**Nawaz** · 20th July 2010, 02:54 PM

BP was too expensive at 4.10, Im content to wait till 3.50, no one will want to buy until the relief well is completely done.

**Nawaz** · 21st July 2010, 01:53 PM

good today for us commodity traders, Anto one of the highest risers, need 1 more day of this.

**Nawaz** · 21st July 2010, 01:53 PM

We got some big names reporting today, Im hoping morgan stanley and wells are good should see another rally like today

**Nawaz** · 23rd July 2010, 03:57 PM

Sold anto, reached over 10 which was what i was aiming for, waiting for banks to drop after these stress tests and then buy some in them.

WIY · 24th July 2010, 06:33 PM

congrats on the antofagasta - that was a v shrewd investment for a tidy profit.

glad i held onto lloyds - just waiting to offload them now, ideally want to wait for their results as im expecting good results and then get a few extra pence per share.

WIY · 24th July 2010, 06:35 PM

mec have u been following GKP - nawaz can vouch for the fact that i've been raving about them for 10 mths + now

sitting on an absolute monster oil find but there were rumours of takeover speculation! gutted i didnt get in earlier but i will look at getting in on them now as the political situation in iraq stabilises and they either move on with production as mentioned in their RNS or the takeover materialises!

WIY · 24th July 2010, 06:36 PM

DPL was a massive duster, glad i avoided them!!!!

Encore oil and NPE to drill again in the next month or so

NPE are onto kraken field shortly which is their best prospect.

WIY · 24th July 2010, 06:36 PM

rockhopper have spudded Ernest - i pray that they succeed their as well!!!! would then surely be a takeover candidate

MecnunK · 24th July 2010, 09:20 PM

DPL still got prospects I think. I am holding on there for now. I looked at GKP and wanted a better entry point as they had just risen that day so maybe worth taking a look on Monday however if rumors of takeover are true or they start production as per their RNS what is arealistic share price?

If RKH hit oil at Ernest the share is going monster. I am already close to my target price of 3-50-4.0 on it.

Cant understand NPE and why they are so low priced with a guranteed find + kraken.

WIY · 30th July 2010, 07:25 PM

Quote:

Originally Posted by WIY

made a small profit from MATD - got in on the bounce after 2nd RNS - bought at 107 and sold at 120 - gutted, had i been more patient 20 mins later it was at 144!!! but a profit is a profit!! happy with it

done again today!!! bought 150 and sold at 157 - £138 profit in 7 mins no lie!!

still i want to get into Petromatad again - 2 more drills and further RNS' coming up

**Nawaz** · 31st July 2010, 06:32 PM

So bored, have sold all my shares and am waiting to buy back in but with double dip talk I wanna wait a few weeks.

MecnunK · 31st July 2010, 07:37 PM

Quote:

Originally Posted by Nawaz

So bored, have sold all my shares and am waiting to buy back in but with double dip talk I wanna wait a few weeks.

IMO there wont be any double dip recession. I am up on Barclays a little but will wait till earnings reports for the quarter before selling. sold lloyds at 60 odd p and look where it went.

**Nawaz** · 2nd August 2010, 12:06 PM

HSBC profits did not see that one happening, seems like bulls have some momentum.

Jihad · 2nd August 2010, 01:02 PM

whats the deal with argos resources?

WIY · 5th August 2010, 08:26 PM

Quote:

Originally Posted by Jihad

whats the deal with argos resources?

basically just floated on AIM market - only managed to raise 22million odd. They have license to drill out in the NFB in the falkland islands. Theoretically the closest wells to the massive sea lion well which rocky struck oil at! BUT they are 18 mths-2 years away from even drilling, need more cash thru a rights issue etc so im not touching it atm but want to be in at some point.

Rocky - drilling ernest, inshAllah we get +ve news, could be anytime next week if they are succeaaful, any longer and then probably a duster

WIY · 5th August 2010, 08:27 PM

GKPPPPPPPPPPPPPPPPPPPPPPP!!!!! MY baby 0 finally started to take off

mec and co have u followed this?????? been on this share for time, will increase holding in them - 6 mths with potential rns after rns!!!

DYOR

MecnunK · 6th August 2010, 01:09 AM

yeah I waiting for a good entry point in GKP but its taken off again. I de-risked RKH a bit by taking profit mostly by mistake, i was just checking what price i would get and accidentally pressed yes to negotiated trade an couldn't cancel quick enough. Sold at 3.27 so not too unhappy about it. Anyhow I am placed to invest back in RKH if duster and maybe even if it is not. Desire is my main play tbh.

I just cant believe my screw up with lloyds.. you boys holding or took profits. Barclays down today was a bit surprising after their quarterly results, I was looking forward to a nice rise.

WIY · 6th August 2010, 05:44 PM

Quote:

Originally Posted by MecnunK

yeah I waiting for a good entry point in GKP but its taken off again. I de-risked RKH a bit by taking profit mostly by mistake, i was just checking what price i would get and accidentally pressed yes to negotiated trade an couldn't cancel quick enough. Sold at 3.27 so not too unhappy about it. Anyhow I am placed to invest back in RKH if duster and maybe even if it is not. Desire is my main play tbh.

I just cant believe my screw up with lloyds.. you boys holding or took profits. Barclays down today was a bit surprising after their quarterly results, I was looking forward to a nice rise.

i sold my lloyds shares at end of last week, i wanted to get back in before results but couldnt get in. i bought at 60p and got 71p last week so happy with that
i also sold barclays for £3.40

i'm waiting for retraces on both - lloyds again looking at 60p and barclays sub £3

also cant wait to get into aviva - want to look at £3-£3.50

also antofagasta, xstrata and kazakhmys

**Nawaz** · 7th August 2010, 08:04 PM

Mining shares have risen too much in recent weeks, there has to be a retreat one of these days.

Kung-Fu Panda · 8th August 2010, 02:45 AM

My investment tip of the week:

- Invest in hookers.

**Hitman** · 9th August 2010, 11:10 PM

LMAO!

Jihad · 23rd August 2010, 03:29 PM

is it wise to buy gkp at the moment?

I heard there is a chance of them going up to £2 by end of the year?

Jihad · 23rd August 2010, 03:50 PM

also rockhopper- any chance of these going up again?

is it worht buying in at current price?

Love Machine · 25th August 2010, 04:01 PM

So far 7% returns on Me ABC's Holdings. m keeping em for good hope to have a good retirement

Love Machine · 25th August 2010, 04:02 PM

Quote:

Originally Posted by Kung-Fu Panda

My investment tip of the week:

- Invest in hookers.

You mean "Inject" right?

**Nawaz** · 29th August 2010, 08:51 AM

im in waiting phase for next retrace before I buy in again, I think banks offer good opportunity to make good money.

**Nawaz** · 7th September 2010, 05:58 PM

We finally see a decrease after a week of rises, too early to say whether this bearish phase.

Love Machine · 7th September 2010, 10:40 PM

Waisey I was wondering if its Islamically ok to buy bank's shares? anyone?

8th July 2010, 10:55 AM	#302
MecnunK Paid off the mortgage Join Date: Nov 2006 Location: Citizen of the world Posts: 1,337 vCash: 500	not really, didnt have spare cash to put in BP and also I wasn't convinced it would come back up so fast. It did and maybe it will go down again . Did you buy? I sold my lloyds today at 60.45. A small profit so have a bit to play around with now. __________________ So in the American fable it is told That once a building, stricken with an aircraft, Said, when it saw the fashion of the missile, 'With our own Boeings, not by others' fighter jets, Are we now smitten.

13th July 2010, 12:31 AM	#305
MecnunK Paid off the mortgage Join Date: Nov 2006 Location: Citizen of the world Posts: 1,337 vCash: 500	well its partly because fogl came up with nothing so people transferring their investment to NFB companies and RKH have hit oil plus I think some big sellers have sold so price is following demand/supply. Hope the flow test for rkh is good and then it should be upwards. We misse dthe baot on BP, and it is still a take over target but that maybe just a smoke screen. __________________ So in the American fable it is told That once a building, stricken with an aircraft, Said, when it saw the fashion of the missile, 'With our own Boeings, not by others' fighter jets, Are we now smitten.

13th July 2010, 12:45 AM	#306
Love Machine Multi-Billionaire Join Date: Nov 2006 Posts: 16,417 vCash: 332529714 Supporting	Anxiously waiting for ma Monster listing of Agbank. Last edited by Love Machine; 13th July 2010 at 07:05 AM..

13th July 2010, 02:21 AM	#307
Hitman CT Fantasy Football Champion Tournaments Won: 1 Join Date: Dec 2006 Posts: 16,684 vCash: 13537	Gutted but i have to sell my remaining stake in RKH as i need the cash urgently. if i could have afforded it, i wouldve held for much longer. I hope there is still time to buy back in after september. __________________ YNWA

15th July 2010, 03:02 PM	#313
MecnunK Paid off the mortgage Join Date: Nov 2006 Location: Citizen of the world Posts: 1,337 vCash: 500	wow matd just hit 1.30+ should have bought at 67 but no use crying over spilt milk. __________________ So in the American fable it is told That once a building, stricken with an aircraft, Said, when it saw the fashion of the missile, 'With our own Boeings, not by others' fighter jets, Are we now smitten.

8th July 2010, 09:40 AM	#301
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	Mec any regrets over BP?

12th July 2010, 11:10 AM	#304
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	BP pushing 4 pounds soon. Seems like Falklands ones keep rising and this is without any news.

13th July 2010, 04:11 PM	#309
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	Its earnings week this week, Hopefully some good numbers for JP this week should rally continue for another week, Commodities not rising as much id like, want to offload antofagasta soon as and get back into insurance.

13th July 2010, 07:54 PM	#310
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	mec and co - i'll tell u this - watch out for ARGOS resources, they are about to list on the AIM market, they will also be drilling in the NFB - directly east of sea lion!!!! more opportunities! i'm glad i didnt get into FOGL also mec - thoughts on petromatad?? MATD - confirming hydrocarbon shows today, the biggest riser - they have several prospects! could be headed £1+ Following on from NPE - Encore Oil is a good shout as they are due to drill cladham shortly!

14th July 2010, 12:21 AM	#311
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	Intel earnings were massive, expect a big rally tommorow!!!

16th July 2010, 02:26 AM	#314
Love Machine Multi-Billionaire Join Date: Nov 2006 Posts: 16,417 vCash: 332529714 Supporting	Bit disappointed with the debut of Ag Bank. Only 3 % rise in the first half hour of trading. Leaving for pak later Tonight. hoped for a quick couple of thousand dollars but not to be. Now I am in for a long haul. Hopefully in about 10 years its prcie would be the same as HSBC and I would be easily retiring into the sunset

16th July 2010, 08:36 AM	#316
MecnunK Paid off the mortgage Join Date: Nov 2006 Location: Citizen of the world Posts: 1,337 vCash: 500	100% profit has gone down to 97% i just wanted to see if it will carry on going and where the resistance point is. it's hit 5$ before..but yeah I have marked it as sell as soon as it hits a certain threshhold __________________ So in the American fable it is told That once a building, stricken with an aircraft, Said, when it saw the fashion of the missile, 'With our own Boeings, not by others' fighter jets, Are we now smitten.

16th July 2010, 08:37 AM	#317
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	Absolutely gutted about BP shares, now that the leak is probably stopped, its just going to be clean up operation for them, this share will be back to usual levels in 2-3 months.

16th July 2010, 07:12 PM	#318
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	made a small profit from MATD - got in on the bounce after 2nd RNS - bought at 107 and sold at 120 - gutted, had i been more patient 20 mins later it was at 144!!! but a profit is a profit!! happy with it

16th July 2010, 07:13 PM	#319
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	also i finally took a punt on BP today - in it ready for monday am expecting big news 1 way or other monday on the leak, hope its +Ve, might be a short term 1 for me

20th July 2010, 02:54 PM	#320
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	BP was too expensive at 4.10, Im content to wait till 3.50, no one will want to buy until the relief well is completely done.

21st July 2010, 01:53 PM	#321
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	good today for us commodity traders, Anto one of the highest risers, need 1 more day of this.

21st July 2010, 01:53 PM	#322
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	We got some big names reporting today, Im hoping morgan stanley and wells are good should see another rally like today

23rd July 2010, 03:57 PM	#323
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	Sold anto, reached over 10 which was what i was aiming for, waiting for banks to drop after these stress tests and then buy some in them.

24th July 2010, 06:33 PM	#324
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	congrats on the antofagasta - that was a v shrewd investment for a tidy profit. glad i held onto lloyds - just waiting to offload them now, ideally want to wait for their results as im expecting good results and then get a few extra pence per share.

24th July 2010, 06:35 PM	#325
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	mec have u been following GKP - nawaz can vouch for the fact that i've been raving about them for 10 mths + now sitting on an absolute monster oil find but there were rumours of takeover speculation! gutted i didnt get in earlier but i will look at getting in on them now as the political situation in iraq stabilises and they either move on with production as mentioned in their RNS or the takeover materialises!

24th July 2010, 06:36 PM	#326
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	DPL was a massive duster, glad i avoided them!!!! Encore oil and NPE to drill again in the next month or so NPE are onto kraken field shortly which is their best prospect.

24th July 2010, 06:36 PM	#327
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	rockhopper have spudded Ernest - i pray that they succeed their as well!!!! would then surely be a takeover candidate

24th July 2010, 09:20 PM	#328
MecnunK Paid off the mortgage Join Date: Nov 2006 Location: Citizen of the world Posts: 1,337 vCash: 500	DPL still got prospects I think. I am holding on there for now. I looked at GKP and wanted a better entry point as they had just risen that day so maybe worth taking a look on Monday however if rumors of takeover are true or they start production as per their RNS what is arealistic share price? If RKH hit oil at Ernest the share is going monster. I am already close to my target price of 3-50-4.0 on it. Cant understand NPE and why they are so low priced with a guranteed find + kraken. __________________ So in the American fable it is told That once a building, stricken with an aircraft, Said, when it saw the fashion of the missile, 'With our own Boeings, not by others' fighter jets, Are we now smitten.

31st July 2010, 06:32 PM	#330
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	So bored, have sold all my shares and am waiting to buy back in but with double dip talk I wanna wait a few weeks.

2nd August 2010, 12:06 PM	#332
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	HSBC profits did not see that one happening, seems like bulls have some momentum.

2nd August 2010, 01:02 PM	#333
Jihad Living the high life Join Date: Nov 2006 Location: Whos this guy? Is he having a bubble? Posts: 5,877 vCash: 500 Supporting	whats the deal with argos resources? __________________ Terrrrry, wherever you may be, You stepped up for the penalty, But then your foot slipped and it went all wrong, As you fell on your arse now the trophies gone...

5th August 2010, 08:27 PM	#335
WIY CT Transfer Predicton Winner Join Date: Nov 2006 Posts: 16,897 vCash: 2897	GKPPPPPPPPPPPPPPPPPPPPPPP!!!!! MY baby 0 finally started to take off mec and co have u followed this?????? been on this share for time, will increase holding in them - 6 mths with potential rns after rns!!! DYOR

6th August 2010, 01:09 AM	#336
MecnunK Paid off the mortgage Join Date: Nov 2006 Location: Citizen of the world Posts: 1,337 vCash: 500	yeah I waiting for a good entry point in GKP but its taken off again. I de-risked RKH a bit by taking profit mostly by mistake, i was just checking what price i would get and accidentally pressed yes to negotiated trade an couldn't cancel quick enough. Sold at 3.27 so not too unhappy about it. Anyhow I am placed to invest back in RKH if duster and maybe even if it is not. Desire is my main play tbh. I just cant believe my screw up with lloyds.. you boys holding or took profits. Barclays down today was a bit surprising after their quarterly results, I was looking forward to a nice rise. __________________ So in the American fable it is told That once a building, stricken with an aircraft, Said, when it saw the fashion of the missile, 'With our own Boeings, not by others' fighter jets, Are we now smitten.

7th August 2010, 08:04 PM	#338
Nawaz Moderator Join Date: Nov 2006 Posts: 58,013 vCash: 0	Mining shares have risen too much in recent weeks, there has to be a retreat one of these days.

8th August 2010, 02:45 AM	#339
Kung-Fu Panda Paid off the mortgage Join Date: Jan 2007 Posts: 4,194 vCash: 500	My investment tip of the week: - Invest in hookers. __________________ - music notes -

9th August 2010, 11:10 PM	#340
Hitman CT Fantasy Football Champion Tournaments Won: 1 Join Date: Dec 2006 Posts: 16,684 vCash: 13537	LMAO! __________________ YNWA

23rd August 2010, 03:29 PM	#341
Jihad Living the high life Join Date: Nov 2006 Location: Whos this guy? Is he having a bubble? Posts: 5,877 vCash: 500 Supporting	is it wise to buy gkp at the moment? I heard there is a chance of them going up to £2 by end of the year? __________________ Terrrrry, wherever you may be, You stepped up for the penalty, But then your foot slipped and it went all wrong, As you fell on your arse now the trophies gone...

23rd August 2010, 03:50 PM	#342
Jihad Living the high life Join Date: Nov 2006 Location: Whos this guy? Is he having a bubble? Posts: 5,877 vCash: 500 Supporting	also rockhopper- any chance of these going up again? is it worht buying in at current price? __________________ Terrrrry, wherever you may be, You stepped up for the penalty, But then your foot slipped and it went all wrong, As you fell on your arse now the trophies gone...

25th August 2010, 04:01 PM	#343
Love Machine Multi-Billionaire Join Date: Nov 2006 Posts: 16,417 vCash: 332529714 Supporting	So far 7% returns on Me ABC's Holdings. m keeping em for good hope to have a good retirement