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OneSubstance(OD) last won the day on March 19

OneSubstance(OD) had the most liked content!

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About OneSubstance(OD)

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    San Diego

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  1. There's a term we use in finance that you may have heard of called "diversification" - simply not putting all your eggs in one basket. I generally do not recommend individual stocks for everyday investors like you and I, because individual stocks are expensive if you want to get diversification. For individual investors, mutual funds and index funds will give much more diversification, because a fund is basically a collection of 50 - 200 different individual stocks put into a mutual fund. Then you buy shares of the fund, and your dollars are evenly split between each company inside the fund, thus spreading your risk. The alternative is to buy a ton of shares of tons of different individual companies which is expensive to do since you can't buy a partial share of an individual stock, and there's no management of the portfolio in this scenario, unless you're in a platform that is usually reserved for very high net worth investors. In short, without knowing your situation, if you're wanting to take advantage of the current market, you might consider taking a look at different growth-oriented mutual funds, or something like a vanguard S&P500 index fund. Market's been down about 25% or so, so when it recovers, you should see some decent returns. Depending on what state you live in, if you're serious about getting started investing and want some help, I may be able to do this for you - so if you're curious just shoot me a DM and we can chat and I'll be able to let you know if it would make sense for us to chat. Otherwise, thank you for helping keep our stores stocked and stay healthy and let me know if you got follow up questions!
  2. Hello all, financial advisor here. Just wanted to provide some insight in hopes of helping anyone here avoid making big (and unfortunately COMMON) mistakes with their 401(k)s or other investments. I know many of you may be too young for this to be applicable, but I also know that there are many of us here who are adults working full time jobs and so I hope this info is relevant. In short, DON'T HIT THE SELL BUTTON. Just don't do it. That's the worst financial decision that one could make with their 401(k) right now. If you already hit the sell button, HIT THE BUY BUTTON. Markets on discount right now and are likely cheaper than when you hit the sell button, so you can still turn that bad decision into a profitable one. Dropped 10% today. Ride this out. The reason that a lot of people lost money in 2008 is because they didn't have someone like me to tell them not to sell, and they got scared, and made a decision based on that fear to sell, and it cost those individuals a gross amount of money. Remember, buy low, sell high. If there are questions and this info is actually applicable to people here and you would like me to elaborate on this, please let me know and I'll go into much more detail explaining this. Until then, I won't bore you with explanations and graphs.
  3. I ended up going Softcore so I can play with you guys, running a Zmonk named "Zeedeeps" - been a blast so far!
  4. Panda(OD) Onesubstance#1171 Disclaimer...I will likely be playing Hardcore, so if theres an HC group that would be ideal for me. If not, no worries.
  5. T.TV/onesubstance Brand new to streaming - no set schedule, will be super random unless I get more serious with it. When I stream it will probably be Rocket League - currently champ 1 / champ 2 trying to push to champ 3 by end of this season and then GC for first time next season.
  6. Hello all, I need a few simple banners and will have other very small graphic design projects for my business that will need to be done and I thought someone here might be interested in making a few extra bucks, as it does not require high levels of professional experience to be able to do the job. I host educational events and have web pages for them and need things like basic banners done for the event that i could do myself but it would be more efficient to pay someone else to do that because it takes me a long time. Lmk if interested or hit me up in discord and we can chat.
  7. Id be down if this is a hardcore grp this season, s20 looks interesting, looking forward to it.
  8. Oh also, if we get a server going that lasts for several months, that would be super cool to see what we build and see it progress over time. But if you're paying for hosting let us know what the costs are and I'm sure I can chip in.
  9. Definitely interested! LOVE MINECRAFT. How do you feel about running one of the FTB modpacks? Revelation is a good kitchen sink one, lots of mods, lots of options there. But open to whatever the rest wants to do.
  10. Didn't get to interact too much, but I've seen your name here for a long time, as I've checked out the website for nostalgia's sake every couple years or so until I recently returned, so I know you've served in leadership in OD for some time now. I've had my own rough patch with mental health issues a couple years back, and as well as quite a few people close to me in my personal life with some pretty rough mental health situations, - it sucks. But as cliche as it might sound, it really does get better. 🙂 Hope to get a chance to bump into you when you stop by! Peace and luck to you!
  11. Definitely making a comeback to D3 for season 20.
  12. Do we have an in-game clan or channel that everyone is on? Is it "OverDosed" or "Clan OD" if so? I know a lot of us use Discord but I've always missed the channel UI from my old ODBW days. Also, if we used an in-game channel, you can go into your SC2 options and make it so you can see channel messages in-game, which could be cool if it isn't too distracting.
  13. HCL all the way! Just have like 3 backup toons already power leveled and you good haha
  14. Does anyone here play HCL? When does the current season end? Anyone up for pushing 4 man GR leaderboards HCL next season?
  15. Maybe I'll give it a reinstall, its been years. I'll let you know when I end up doing that.
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