Chisoxfn

Have them talk to someone who specializes in short sales. Bottom line, banks don't have much option. Also, the credit hit between a short sale and a foreclosure are both punitive in general so at the end of the day, the opportunity cost to have the house foreclosed on might be worth it. It isn't like after a short sale you can immediately buy a house (the rules have tightened on this and I believe now it is 4 years removed..not sure what foreclosure is but if you have your friend talk to someone they might point you in the right direction and at least lay out the potential choices and the pro's / con's of each and thus put you in a place where your friend is comfortable making that decision).

QUOTE (lostfan @ May 3, 2016 -> 10:05 AM) The last time the Freys got f***ed out of an heir to the North, the Red Wedding happened. Ramsay's treachery is logical, but he doesn't think these things through. He really has no idea what he's doing, and he's basically Joffrey at this point, without a Small Council. Best episode of the entire show, imo. I still cringe at the thought of it, but this episode was damn good too.

QUOTE (KyYlE23 @ May 2, 2016 -> 09:07 AM) absolutely. The filming of that scene was awesome, because it definitely could have gone either way. Roose could have been done with Ramsay, since he has they Frey heir. Poor Ramsay, just removed the brains of the operation. He is gonna do something really stupid and get caught out for it Yeah...at first I was like, oh my god, he killed ramsay and than I was like, wait, its Roose. I hate them all...long live Lord stark!!!

QUOTE (Kalapse @ May 1, 2016 -> 07:13 PM) All time great episode, advanced every plot line substantially and threw in some real quality kills. Yep...this was one of the best and next week's looks even better.

QUOTE (lostfan @ May 3, 2016 -> 09:18 AM) This is probably a dead horse to you guys, but I can't think of a single person involved with the Bulls I appreciated this year. Even (or especially) Butler, whose glaring lack of leadership chops was exposed. Taj. I appreciate everything about Taj.

QUOTE (JenksIsMyHero @ May 2, 2016 -> 02:47 PM) End of the day though Yahoo! isn't paying her 52 million for those shares. They gave her some paper that has value to others. I guess you could say they gave away more of the company in stock to her and thus lost some value by having to issue more stock, but it's still not the equivalent of cash to her for the value of the stock. They will have a $52M charge go through their income statement. $52M will go through their income statement as compensation expense (the value of what they are paying here). It is REAL EQUITY that they are paying out. In what world is equity not a value. Yes, the actual worth of that "equity" could differ, but it is real value. If it weren't. She can choose what she wants to do with it and I've pointed out a few times I don't know what value Yahoo is quoting and I'm not going to take the time to run a black scholes on the calculation but this isn't fake money to Yahoo's financial statements. Yes, it is not actual cash, but instead it is real equity of a company you are giving away. Just like you could give away real equity of a house if you gave up an ownership stake to others and thus diluted your stake. This is not a freebye granted by Yahoo that has no bearing on their financial success, it absolutely has a bearing on its actual financials, P&L, etc. This is equity that they could have used to generate capital vs. give to an employee. And every stock company will have various option programs for various levels of employees, it isn't like yahoo is a start-up (usually it is the start-ups that have far more lucrative options and to the extent, in these cases, companies leverage future worth and potential reward to attrack talent when their are very much unknowns...boom / bust potential and an inability to compensate accordingly for any other way). In the case of yahoo, they are a more than established company and she could easily turn around and immediately divest if that is what she wanted to do (and I don't know her intentions). There was a real economic opportunity cost to this decision. This is not just accounting mumbojumbo.

QUOTE (JenksIsMyHero @ May 2, 2016 -> 02:40 PM) To who though? Is there are a requirement that Yahoo has to buy them back? Or is she selling them on the open market? She'd sell them on the open market. In this case, if the company had a change of ownership, all of the options would be expensed at her books and she can do what she'd like with them. I don't know how the $50+M figure was calculated and clearly if the stock was in the tubes at the time and that value is based upon a current valuation, than the real world equation vs. actual cost could differ. What goes into the calcs and models to get to the value and expense figure is more complex but there is a real cost to that.

QUOTE (southsider2k5 @ May 2, 2016 -> 02:31 PM) It sounds like such a big number. The reality is that the real cost to the company is $3 million +. The stock options don't actually cost them anything. Those are all real financial statement expenses which ultimately impact the company and thus the shareholders. Those are accelerated options that she is granted, real money. She could choose to exit at that point and sell everything and get paid (depending on what the estimated $52M valuation was). That isn't some funny number. It is just as much the equivalent of cash and is something that absolutely will impact the financial statements of yahoo, reduce equity, etc.

QUOTE (RockRaines @ Apr 29, 2016 -> 04:53 PM) Holy crap bears got three picks? 2 extra picks (one 4th this year and one 4th next year).

Wow. So we got our 4th back and than some. Nice.

Bears trade down.

CB it is.

Presume dolphins are moving up to take Bama RB (presume he's pretty high on the Bears board too).

Damn Chiefs took one of the ideal targets for the Bears.

Jaylon Smith to the Boys.

Alright boys...lets have a strong night!!!

QUOTE (bigruss22 @ Apr 26, 2016 -> 12:07 PM) Gage sucks guys, don't know why you all think he is better than Hawk. f*** you. I have thoroughly enjoyed all the compliments from everyone on here. That said, I haven't quite figured out how any of you have watched me give my game commentary alongside stoney from the couch? Damn you all for hacking into our video baby monitor!!!

http://bearswire.usatoday.com/2016/04/29/b...r-jalen-ramsey/ Evidently we tried to move up to grab Ramsey (I would have been elated if we grabbed him). I heard him interviewed during last nights draft and it only made me further like Ramsey.

QUOTE (RockRaines @ Apr 28, 2016 -> 09:37 PM) Btw. Why did the Bears trade up? Giants wanted Floyd. Bears ruined their first round plans.

QUOTE (RockRaines @ Apr 28, 2016 -> 08:42 PM) Keeping falling Bell I think he's going to be a quality safety. Would fit nicely on the Bears.

I'm a huge fan of the Cards pick.

I really liked Lynch. I wonder if Bears would look at Jack or Ndkemiche in the 2nd round. I'm going to presume someone will move up for Jack tomorrow. I'd also presume Bears would be all over Ashawhn Robinson if he's on the board in the 2nd. Von Bell is another guy I'd be on board with. Bottom line, we'll have to see how a few other teams do, but I like our chances right now in the 2nd round.

It has to be Ramsey.

That is messed up. I hadn't saw that yet Kalapse. Elliot is gone. If Buckner or Ramsey fell, that would be amazing.

QUOTE (Kalapse @ Apr 28, 2016 -> 05:33 PM) Probably going to be there at #11 now. One of him and Stanley will be there. I don't think both the Giants and Ravens pass on a tackle though and he's going to be the first off the board, I'd think.