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20 Years of NIFG - The Top 20s!
Day 30: Northern Ireland's Top Goalscorers
#GAWA #NornIron
Day 30: Northern Ireland's Top Goalscorers
#GAWA #NornIron
20. Willie Irvine
23 #NornIron caps / 8 goals (1963-1972)
23 #NornIron caps / 8 goals (1963-1972)
19. Gareth McAuley
80 #NornIron caps / 9 goals (2005-2018)
80 #NornIron caps / 9 goals (2005-2018)
1/ Another Wildberries warehouse is on fire, this time in Sarapul, after a Ukrainian drone strike. As the ongoing massacre of Wildberries facilities continues, Russian warbloggers are becoming steadily more irate about air defence failures. ⬇️
2/ 'Combat Reserve' is furious, pointing to the lack of willingness among commanders and officials to take responsibility (a long-running problem; see the thread below).
3/ "WB Sarapul.
WB Penza is also burning.
But this isn't [just] the enemy's doing, but the criminal negligence of local authorities.
The regions' helplessness is mired in bureaucracy and an inability to take responsibility.
WB Penza is also burning.
But this isn't [just] the enemy's doing, but the criminal negligence of local authorities.
The regions' helplessness is mired in bureaucracy and an inability to take responsibility.
On July 30, 2026, Israeli Prime Minister Benjamin Netanyahu publicly addressed speculation regarding his relationship with U.S. President Donald Trump. During an appearance on the "Hanging Out with Sean Hannity" podcast, Netanyahu dismissed rumors
1)
1)
that either leader controls the other, defining their dynamic as a partnership grounded in mutual respect despite occasional disagreements.
Netanyahu explicitly characterized the United States as the "senior partner" and Israel as the "junior partner,"
2)
Netanyahu explicitly characterized the United States as the "senior partner" and Israel as the "junior partner,"
2)
stating, "We treat each other with tremendous respect." He rejected the notion of a rift, noting that while they do not agree on every issue, they are aligned on critical matters such as quashing Iran's nuclear ambitions and pursuing Middle East peace.
3)
3)
Tahajjud changed nothing for me for two years. Same tears. Same requests. Same sunrise with nothing shifting.
Then I read something I didn’t expect - it wasn’t about praying longer or crying harder.
Then I read something I didn’t expect - it wasn’t about praying longer or crying harder.
It was about one thing I had never done on the prayer mat.
After my du’as… I used to leave.
Every night.
Say everything. Then go back to sleep.
But I didn’t realize I was getting up right after being in the closest moment to Allah.
After my du’as… I used to leave.
Every night.
Say everything. Then go back to sleep.
But I didn’t realize I was getting up right after being in the closest moment to Allah.
The reminder was this:
“You are using the closest moment to Allah - the moment the Prophet ﷺ said a servant is nearest to his Lord - and you are leaving right after placing your order.”
I had been exiting sujood in seconds,
then wondering why nothing felt different.
“You are using the closest moment to Allah - the moment the Prophet ﷺ said a servant is nearest to his Lord - and you are leaving right after placing your order.”
I had been exiting sujood in seconds,
then wondering why nothing felt different.
This discussion does not even take into account algorithm manipulation but it is an interesting discussion nonetheless. Some do not believe paid speech is free speech, however, domestic political speech is free speech.
1)
1)
The problem with limiting free speech has always been the same: Who gets to decide? And how imminent must a threat be?
The Supreme Court has upheld broad protections for political speech under the First Amendment, as in Citizens United v. FEC,
2)
The Supreme Court has upheld broad protections for political speech under the First Amendment, as in Citizens United v. FEC,
2)
but has also recognized limits on foreign influence in elections and national security exceptions for adversarial state actors.
US law distinguishes domestic political speech from foreign-funded propaganda; statutes like FARA require registration for foreign agents, and
3)
US law distinguishes domestic political speech from foreign-funded propaganda; statutes like FARA require registration for foreign agents, and
3)
A guy who worked 6 years in a dealership finance office told me the real money isn't made selling the car. It's made in a 15-minute meeting after you've already agreed to buy it.
The car is priced close to what the dealer actually paid — margins there are thinner than people assume, often just a few percent. The real profit sits in a back room called the F&I office (finance and insurance), where a "finance manager" walks you through paperwork after the sale is basically done and your guard is down.
An extended warranty offered at $2,800: costs the dealer roughly $900–$1,200 to provide. A GAP insurance add-on at $895: costs around $200. A "paint and fabric protection" package at $999: often a bottle of spray sealant worth under $20, sometimes applied, sometimes not.
And the interest rate itself — the number that determines your monthly payment for years — is frequently marked up above what the bank actually approved you for, with the dealer keeping the spread as a commission called "dealer reserve," without ever telling you the bank's real rate.
He told me: "By the time you're in that office, you've already picked the car, told your family, mentally moved on. That's the exact moment the real markup gets added — because nobody negotiates a finance meeting the way they negotiate a car price."
Here are the 9 things he taught me about how dealership financing actually works.
The car is priced close to what the dealer actually paid — margins there are thinner than people assume, often just a few percent. The real profit sits in a back room called the F&I office (finance and insurance), where a "finance manager" walks you through paperwork after the sale is basically done and your guard is down.
An extended warranty offered at $2,800: costs the dealer roughly $900–$1,200 to provide. A GAP insurance add-on at $895: costs around $200. A "paint and fabric protection" package at $999: often a bottle of spray sealant worth under $20, sometimes applied, sometimes not.
And the interest rate itself — the number that determines your monthly payment for years — is frequently marked up above what the bank actually approved you for, with the dealer keeping the spread as a commission called "dealer reserve," without ever telling you the bank's real rate.
He told me: "By the time you're in that office, you've already picked the car, told your family, mentally moved on. That's the exact moment the real markup gets added — because nobody negotiates a finance meeting the way they negotiate a car price."
Here are the 9 things he taught me about how dealership financing actually works.
1. The interest rate you're offered is often not the real rate.
When a dealer arranges financing through a bank or credit union on your behalf, the bank approves you at a specific rate — called the buy rate. The dealer is legally allowed to mark that rate up before presenting it to you, keeping the difference as a commission known as dealer reserve or a "participation fee."
A buyer approved by the bank at 5.5% might be presented a rate of 7.5% or higher, with no disclosure that a lower rate exists, because the dealer profits directly from the spread. Over a 60-72 month loan, a 2-point markup can add $1,500–$3,000+ in extra interest paid.
His rule: get pre-approved by your own bank or credit union before ever stepping into a dealership, then use that number as your baseline — if the dealer can't beat it, you already know the real rate.
When a dealer arranges financing through a bank or credit union on your behalf, the bank approves you at a specific rate — called the buy rate. The dealer is legally allowed to mark that rate up before presenting it to you, keeping the difference as a commission known as dealer reserve or a "participation fee."
A buyer approved by the bank at 5.5% might be presented a rate of 7.5% or higher, with no disclosure that a lower rate exists, because the dealer profits directly from the spread. Over a 60-72 month loan, a 2-point markup can add $1,500–$3,000+ in extra interest paid.
His rule: get pre-approved by your own bank or credit union before ever stepping into a dealership, then use that number as your baseline — if the dealer can't beat it, you already know the real rate.
2. "F&I office" products are almost all separately priced from the car — and almost all negotiable.
Extended warranties, GAP insurance, paint protection, tire and wheel coverage, key replacement plans — these are typically bundled into one rapid-fire presentation, priced as if they're fixed, non-negotiable add-ons.
In reality, nearly every F&I product carries the same negotiation room as the car price itself. The dealer's actual cost on most of these products is 30–70% below the sticker price presented in the office. Asking directly — "what's your best price on this, and can I see it broken out separately from my loan payment?" — routinely surfaces a lower number.
Extended warranties, GAP insurance, paint protection, tire and wheel coverage, key replacement plans — these are typically bundled into one rapid-fire presentation, priced as if they're fixed, non-negotiable add-ons.
In reality, nearly every F&I product carries the same negotiation room as the car price itself. The dealer's actual cost on most of these products is 30–70% below the sticker price presented in the office. Asking directly — "what's your best price on this, and can I see it broken out separately from my loan payment?" — routinely surfaces a lower number.
You’ve heard, “Allah does not burden a soul more than it can bear.”
But the ending of the verse might be the part that actually saves you.
But the ending of the verse might be the part that actually saves you.
Everyone quotes this part:
“Allah does not burden a soul beyond what it can bear.” (Surah Al-Baqarah 2:286)
But very few pause…
And read what comes after.
Because that’s where the du’a begins.
“Allah does not burden a soul beyond what it can bear.” (Surah Al-Baqarah 2:286)
But very few pause…
And read what comes after.
Because that’s where the du’a begins.
The verse continues with a plea.
A raw, broken, humble plea from the heart:
“Our Lord, do not hold us accountable if we forget or make a mistake.”
How many times have you…
Forgotten something?
Made an unintentional mistake?
Said the wrong thing without meaning to?
A raw, broken, humble plea from the heart:
“Our Lord, do not hold us accountable if we forget or make a mistake.”
How many times have you…
Forgotten something?
Made an unintentional mistake?
Said the wrong thing without meaning to?
🧵(1/4) Immediately after Charlie Kirk’s assassination, seven “bridge-building” organizations put their machine into motion.
🔴 Within 2 hours of the assassination:
• Conference call with leaders from 7 national organizations
• All 7 tied to the Listen First Coalition
The Listen First Coalition has been actively architecting color-revolution tactics inside the U.S.
🔴 A campaign and website called turntoward[.]us (a deliberate play on “Turning Point”) was launched. The domain was registered by Mormon Women for Ethical Government (MWEG), and an op-ed followed shortly afterward.
🔴 2 days later:
• Press conference at the Utah Capitol
‼️ In the weeks that followed: more op-eds and TV spots pushing “The Dignity Index.”
@datarepublican correctly noted that these Utah organizations were “building the empirical base for the Dignity Index’s scoring framework years before Kirk ever set foot on [the UVU] campus.”
At minimum, the Dignity Index’s push to brand certain speech as “contemptuous” helped set the stage for Kirk’s words being used to justify violence.
…Or was it part of a larger plan?
🔴 Within 2 hours of the assassination:
• Conference call with leaders from 7 national organizations
• All 7 tied to the Listen First Coalition
The Listen First Coalition has been actively architecting color-revolution tactics inside the U.S.
🔴 A campaign and website called turntoward[.]us (a deliberate play on “Turning Point”) was launched. The domain was registered by Mormon Women for Ethical Government (MWEG), and an op-ed followed shortly afterward.
🔴 2 days later:
• Press conference at the Utah Capitol
‼️ In the weeks that followed: more op-eds and TV spots pushing “The Dignity Index.”
@datarepublican correctly noted that these Utah organizations were “building the empirical base for the Dignity Index’s scoring framework years before Kirk ever set foot on [the UVU] campus.”
At minimum, the Dignity Index’s push to brand certain speech as “contemptuous” helped set the stage for Kirk’s words being used to justify violence.
…Or was it part of a larger plan?
🧵(2/4) Strange Association #1: Ermiya Fanaeian
Fanaeian — founder and leader of Armed Queers of SLC (the group the FBI investigated after it scrubbed its online presence following Charlie Kirk’s assassination) — was also a Dignity Index coder.
🕸️Ties to the broader color-revolution ecosystem:
• AQSLC is a member organization of the National Network on Cuba (NNOC)
• Ermiya traveled to Cuba with NNOC brigades
• She has publicly praised the Cuban Revolution as a model for U.S. organizers
Weird coincidence… or something more significant?
This thread has more information 👇
x.com/skdoubledub33/…
Fanaeian — founder and leader of Armed Queers of SLC (the group the FBI investigated after it scrubbed its online presence following Charlie Kirk’s assassination) — was also a Dignity Index coder.
🕸️Ties to the broader color-revolution ecosystem:
• AQSLC is a member organization of the National Network on Cuba (NNOC)
• Ermiya traveled to Cuba with NNOC brigades
• She has publicly praised the Cuban Revolution as a model for U.S. organizers
Weird coincidence… or something more significant?
This thread has more information 👇
x.com/skdoubledub33/…
🧵(3/4) Strange Association #2:
The Biden Administration & the 2022 United We Stand Summit
Dignity[.]us was launched at the White House United We Stand Summit, paired with a New Pluralists pledge to mobilize $1 billion in investments for “bridge-building.”
The Summit was organized under Susan Rice (former Obama advisor and Biden Domestic Policy Advisor), with SPLC input and participation - the same SPLC that later placed TPUSA on its “hate map” alongside white supremacist and neo-Nazi groups.
“It is our position that TPUSA expresses views and vilifies other people based on immutable characteristics, exposing them to our listing.”
— Bryan Fair, SPLC
The original dignity[.]us domain (registered 2020 to Timothy Shriver / Project Unite) now hosts The Dignity Index.
Charlie Kirk’s assassination has become a launching pad (intentional or not - you decide) for promoting The Dignity Index as the solution to political violence. In reality, it is a system for rating and suppressing speech under the banner of “dignity.”
More here from @iamlisalogan:
x.com/iamlisalogan/s…
📸
1. Domain registration
Wayback capture of domain on 9/23/22
The Biden Administration & the 2022 United We Stand Summit
Dignity[.]us was launched at the White House United We Stand Summit, paired with a New Pluralists pledge to mobilize $1 billion in investments for “bridge-building.”
The Summit was organized under Susan Rice (former Obama advisor and Biden Domestic Policy Advisor), with SPLC input and participation - the same SPLC that later placed TPUSA on its “hate map” alongside white supremacist and neo-Nazi groups.
“It is our position that TPUSA expresses views and vilifies other people based on immutable characteristics, exposing them to our listing.”
— Bryan Fair, SPLC
The original dignity[.]us domain (registered 2020 to Timothy Shriver / Project Unite) now hosts The Dignity Index.
Charlie Kirk’s assassination has become a launching pad (intentional or not - you decide) for promoting The Dignity Index as the solution to political violence. In reality, it is a system for rating and suppressing speech under the banner of “dignity.”
More here from @iamlisalogan:
x.com/iamlisalogan/s…
📸
1. Domain registration
Wayback capture of domain on 9/23/22
Russia's response to electronic warfare wasn't a single solution. It evolved along two major paths: fiber-optic drones and mesh networks. This thread summarizes Frontelligence Insight analysis based on OSINT data and a report by the Center for Defense Reforms. Thread🧵
2/ One of Russia's first successful adaptations to counter-UAV measures was the adoption of fiber-optic drones. Replacing the radio link with a wire made it EW-resistant. Per Russian sources, fiber-optic FPVs accounted for up to 60% of FPVs in some frontline areas by early 2026
3/ Take the "KVN" - Russia's widely used fiber-optic FPV drone. Produced at around 50,000 units monthly, the Center for Defense Reforms (CDR) estimates it requires 6–12 million km of optical fiber annually. Including other drones, demand could exceed 50 million km per year.
My Gmail stopped receiving emails for 3 days and I had no idea.
I lost a client, missed 2 interview calls, and almost missed my rent OTP.
It said "15GB full". It was a lie.
Google was charging me for 8.9GB of files I deleted in 2021. They were still hiding in my account.
Here are the 3 ghost folders where Google hides them:
I lost a client, missed 2 interview calls, and almost missed my rent OTP.
It said "15GB full". It was a lie.
Google was charging me for 8.9GB of files I deleted in 2021. They were still hiding in my account.
Here are the 3 ghost folders where Google hides them:
1. The Trash You Still Pay For
When you delete an email, Google keeps it for 30 days and it still counts against your 15GB.
When you delete from Drive and Photos, they keep it for 60 days and still bill you $1.99/mo for it.
You are paying rent for your own garbage.
Go to Gmail -> Spam -> Delete all spam now -> Trash -> Empty trash now. Then drive.google.com/drive/trash -> Empty trash. Then photos.google.com -> Trash -> Empty trash.
When you delete an email, Google keeps it for 30 days and it still counts against your 15GB.
When you delete from Drive and Photos, they keep it for 60 days and still bill you $1.99/mo for it.
You are paying rent for your own garbage.
Go to Gmail -> Spam -> Delete all spam now -> Trash -> Empty trash now. Then drive.google.com/drive/trash -> Empty trash. Then photos.google.com -> Trash -> Empty trash.
2. The Invisible Folder That Ate 3.1GB of Mine (This is the goldmine)
This is the one no US thread ever shows.
When you delete a folder in Drive, the files inside become "orphaned". They disappear from your view but still eat your storage and you keep paying for them.
Go to drive.google.com and paste this in the search bar:
is:unorganized owner:me
You will find GBs of old files from 2021-2023 you thought were gone. Delete them and empty trash again.
This is the one no US thread ever shows.
When you delete a folder in Drive, the files inside become "orphaned". They disappear from your view but still eat your storage and you keep paying for them.
Go to drive.google.com and paste this in the search bar:
is:unorganized owner:me
You will find GBs of old files from 2021-2023 you thought were gone. Delete them and empty trash again.
Jim Hansen and I have had a friendly debate about whether 2026 will be the warmest year on record or not. In a new piece, I explain how we both might end up being right: 2026 is increasingly likely to be the warmest in GISTEMP but second across all six records.
(see link below)
(see link below)
Credit where credit is due: my projections have moved increasingly toward Hansen's over time, on the back of what appears increasingly likely to be the strongest El Nino on record later this fall. Year to date temperatures remain less exceptional (third warmest on record).
theclimatebrink.com/p/why-hansen-m…
theclimatebrink.com/p/why-hansen-m…
2027 is now expected to reach 1.7C in my model – exactly where Hansen predicted it would land (albeit in the GISTEMP dataset) back in December 2025:
Grocery margins are low is a frequently rehashed point to argue against Mamdani’s public grocery stores.
Grocery is indeed a low margin business. But its median return on invested capital is above that for all firms, so it is NOT a low profitability business.
Let me explain. 🧵
Grocery is indeed a low margin business. But its median return on invested capital is above that for all firms, so it is NOT a low profitability business.
Let me explain. 🧵
Grocery is an unusual business in that large parts of its costs are intermediate costs. A grocer buys products and sells them and basically just adds the service of retailing. 2/
So, the real question is what return grocery gets on their service not on the goods that they intermediate between producers and consumers. But the cost of the products they buy enter into their revenues which reduces margins, as margins are measured as revenue minus costs which is then divided by revenue. 3/
