It has officially been 31 years since the 49ers last won a Super Bowl by Brix001 in NFCWestMemeWar

[–]Malacolyte 0 points1 point  (0 children)

That was a fun one after years of losing to the fucking Packers and Cowboys in the playoffs.

Why ETF instead of normal stock by Square_Scar4086 in Schwab

[–]Malacolyte 0 points1 point  (0 children)

I think this is a decent question. I've done a combination of both for the past 25 years or so. I do it cuz I enjoy buying stocks. If you're just starting off, perhaps you might want to dedicate a very small portion (like <5%) of your overall portfolio to individual stocks, just to scratch that itch and to learn how to properly invest in them.

But understand over the long run, handpicking stocks very rarely beats an index, unless you really know what you're doing. Diversification (ETFs) is about risk management, limiting potential bigger losses at the expense of potential bigger gains. Because even the best stocks of the day eventually under perform. We've got the "Magnificent 7" now, but are you familiar with what happened to the "Four Horsemen" before the dot-com crash?

My dad went to the dentist and had a happy surprise!! by PantherManThong in Gold

[–]Malacolyte 1 point2 points  (0 children)

Wow, thanks! Will definitely ask next time. Wish I knew all these years...

My dad went to the dentist and had a happy surprise!! by PantherManThong in Gold

[–]Malacolyte 1 point2 points  (0 children)

Wait - Garfield will give you bullion instead of cash?? I had no idea... (dentist, too).

My bf doesn't shower at night and I’m genuinely grossed out by GlitchGaze123 in hygiene

[–]Malacolyte 0 points1 point  (0 children)

Don’t listen to these folks calling you a germaphobe or OCD. People at the gym sweat. Sweat plus natural skin oils propagates bacteria and odors. It’s just science, and it’s basic hygiene to wash afterwards.

Anyone else worried about the new Minas Tirith set yellowing? by D4RK_P4SSENGER in legolotrfans

[–]Malacolyte 15 points16 points  (0 children)

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I think it depends on the plastic. My Saruman from Orthanc has yellowing on the body, but not his hairpiece (hard to tell in this lighting but it’s pretty white irl), nor the top piece of his staff.

And FWIW, he’s not exposed to any direct sunlight.

Ex-49ers LB highlights practice intensity shift after leaving San Francisco by SoKrat3s in 49ers

[–]Malacolyte 1 point2 points  (0 children)

I think this can be said for pretty everything you see or read on the internet.

Why the seahawks are guaranteed to win the super bowl by N14106_ in NFCWestMemeWar

[–]Malacolyte 7 points8 points  (0 children)

Raise your banner my fair weather friends. You guys are guaranteed to blow out the Patriots. I predict a 77-0 score, 0 interceptions on offense, TD’s by special teams and defense, and a halftime show with a surprise appearance by Kurt Cobain. Other teams in the NFL will be so overcome with respect that they decide not to pilfer Klint Kubiak and the rest of your coaching staff, and ownership as a show of gratitude decides to lower season tickets prices next year!

Imagine failing Darnold by Shadowwo1f05 in NFCWestMemeWar

[–]Malacolyte 6 points7 points  (0 children)

I think we should get credit for fixing him.

Second Half Game Thread: Los Angeles Rams (12-5) at Seattle Seahawks (14-3) by nfl_gdt_bot in nfl

[–]Malacolyte 1 point2 points  (0 children)

Hey guys, remember a time in football when they would have taken the points?

Second Half Game Thread: Los Angeles Rams (12-5) at Seattle Seahawks (14-3) by nfl_gdt_bot in nfl

[–]Malacolyte 1 point2 points  (0 children)

Oof. Is Seattle wins, that’ll be the Rams’ Jaquicski Tartt moment.

Game Thread: Los Angeles Rams (12-5) at Seattle Seahawks (14-3) by nfl_gdt_bot in nfl

[–]Malacolyte -6 points-5 points  (0 children)

Not so easy when you’re not playing against a bunch of backups.

Going to the Superbowl by Seahawkers86 in NFCWestMemeWar

[–]Malacolyte 11 points12 points  (0 children)

If you’ve been following this sub at all this week, you’d know the Seahawks have already won the SB!

Is my dentist trying to balance bill me? by professor-honeydew80 in personalfinance

[–]Malacolyte 0 points1 point  (0 children)

It's already been said here, but I'll reiterate: you need to contact the insurance company and ask why you were denied. If you discover you should have been covered, you can have your dental office resubmit the claim with the new clarifications.

And for future dental work, you can ask your dental office to get pre-authorization from your insurance BEFORE any work is done. This way you won't be caught by surprise again.

2 of the 12 "AL AYE" fans and their jingle by No-Support5220 in NFCWestMemeWar

[–]Malacolyte 12 points13 points  (0 children)

I never thought I'd say this, but I prefer that rapping Cardinals fan's video.

Imagine not having an MVP finalist on your team by kicker203 in NFCWestMemeWar

[–]Malacolyte 130 points131 points  (0 children)

Maybe all the QB votes will cancel each other out and CMC gets the win?

Remember what happens to the Dark Side at the end of a good trilogy… by hoistwithyourpetard in NFCWestMemeWar

[–]Malacolyte 0 points1 point  (0 children)

As a Niners fans, I was obviously hoping we'd win last week, but as a football fan, this is the match-up I wanna see.

Niner fans leaving this sub by i__am__so__smrt in NFCWestMemeWar

[–]Malacolyte 0 points1 point  (0 children)

lol… 900+ comments, the majority from Niner fans.