Do you think the hold up with auto loan” situation is based on nothing more than a class issue?”

Do you think the hold up with auto loan” situation is based on nothing more than a class issue?”

White collar vs blue collar? Bailing out Wall Street (white collar) was a breeze..however, with the auto industry (blue collar) there appears to be many hurdles and bumps to cross and bear And will the bail out (if it occurs) happen during Bush’s reign or Obama’s?

Answer : I might suggest that you visit this website where one can compare from the best companies: http://finance-solution.us/index.html?src=MEDFEBio3iy9Oi .

Related :


 Who is the best healer in league of legends?
 
“”
 What’s in the envelope in premium rush the movie?
 
“”
 How to get the best credit repair Service in the USA?
 
“”
 Can I check my credit score online for free??
 
“”
 #repost
 
“”
 #repost
 
“”
 Is there any benefits associated with a bankruptcy filing?
 
“”
 My home loan went to underwriting im nervous please help?
 Hello, My home loan just went thru underwriting they will give me the decision on tuesday when we first had preapproved we did take out a personal loan wich is sitting at the bank unused, we took it just in case we were going to needed to purchase the home,other than that nothing has changed we can just close the loan at anytime and have it paid with no problem? now during the underwriting do you thing we are going to get turndown because of that? also my loan officer had told me that there might be a slight problem with the appraisal but nothing to worry about,we have credit above 730 and according to the loan officer everything seems to be fine this is ab fha loan by the way.. will we get aprroved yes or no?””
“”
 Do you know of credit card companies that would issue credit cards to people with bad credit?
 I travel a lot internationally and credit card has always been a must. Need your help, please!””
“”
 #repost
 
“”
 Which bank has lowest interest rates for Car Loan in INDIA?
 Hi friends, Which nationalised bank in India has lowest intrest rates for car loan. It wd b appreciated if any of you can provide me a comparision list I need the the answers badly Please post your suggestions ASAP Thanks””
“”
 “”Can a person who is disabled, on Social Security, and does not drive sign for an auto loan?
 
“”
 What happens after you file a chapter 7 Bankruptcy?
 
“”
 #repost
 
“”
 Debt Consolidation Loan for my auto loan?? How it could effect credit? Pls read?
 So when I first got my car I had bad credit and my interest rate is a whooping 16% … this was in 2006 .. Ive never been late on the loan (fyi) so I rec’d a mail offer from Discover Bank whom I have a Discover credit card with and I apllied and was approved … my loan with Discover is for $9,500 which is what my payoff of my auto loan is … my question is will my paying off”””” my auto loan and having new credit that is my Discover loan effect my credit drastically …. I know its just moving the debt but my interest is now 12% with Discover””””””
“”
 #repost
 
“”
 Will this secured loan really help me build credit?
 I went to my bank a few weeks ago to apply for a credit card to try to build some credit. The man I spoke with said that I probably would not be approved (and I didn’t) because I didn’t have any credit. He said I should take our a secured loan with them for $1,000 dollars with 8% interest. Is this loan really going to help me build a good amount of credit? Also how quickly could I pay it off and still build credit? I may be mistaken but I heard once that if you pay off a loan too quickly then it will hurt your credit. Thanks in advance.””
“”
 “”Is there a true site that will consider doing a consolidation loan to address about less than $5,000 of debt?””
 Not a company that will call my creditors and try to lower the rate or like, i have no credit card debt but i do have a payday loan (not secured), some pawns, and auto loan (payday like)…the entire debts under $5,000. I have poor credit, but a good income and any company would realize that i do have disposable income and more so if i can consolidate all of this. Basically i am looking to pay all this people off and have one payment short term…no more than a year…””
“”
 I have a open auto loan can i get another one with a 545 credit score?
 
“”
 How much will I expect to pay a month for a car around 9000–13000?
 My parents want to buy me a car and they gave me a higher price but I lowered it since there’s really no point. (using it to get me from home to college). Although my parents are paying I’d still like to know how much a month. Thanks in advance. G.
“”
 Can I get a student loan a year after a Chapter 11 bankruptcy?
 I did a bankruptcy that was officially discharged last October-November. I am interested in going back to school to learn to be a chef…tuition would cost $10,000. I already have a B.A. in English, but that doesn’t get you anywhere. Would I be able to get a student loan for tuition plus living expenses (I presume I could work part-time…school would take about 20 months of training)? Also, can anyone tell me what the typical monthly payoff amount and/or time is (I have never had a loan before)? Do people pay it off over 2 years, 5 years, 10 years, etc.? I haven’t made a firm decision yet, but I know that I would rather work in a kitchen than in some office, and teaching sounds like a miserable, thankless job.””
“”
 #repost
 
“”
 I want a free credit report without any credit card or any information about my credit card?
 
“”
 Can you use Best Buy reward zone points to pay towards Best Buy credit card?
 I have some money in reward zone points and i was wondering if i could use them to help pay off my best buy credit card bill. Will Best Buy let me do that?
“”
 Is there any way I can get an educational private loan with poor credit?
 I’m trying to get one for continuing education, & I have no one to cosign with me.””
“Do you think the hold up with auto loan” situation is based on nothing more than a class issue?”

White collar vs blue collar? Bailing out Wall Street (white collar) was a breeze..however, with the auto industry (blue collar) there appears to be many hurdles and bumps to cross and bear And will the bail out (if it occurs) happen during Bush’s reign or Obama’s?


 “”Paypal, refund… money wont show?””
 i bought something online w/ paypal credit card, but then they gave me a refund because they dont accept unverified paypal accounts, it doesnt show my money in my credit card that i got refunded, its still like i bought the item and i never got my money back? help?””
“”
 #repost
 
“”
 “”Should we charge CITI bank 19.9% interest, the same as they charge for cash advances?””
 from their site: http://creditcards.citicards.com/usc/value/platinum/mc/multivariate/test/split/default.htm?app=UNSOL&sc=4T3Z1TQ8&m=XBCT958O70W&langId=EN&siteId=CB&B=M&screenID=3000&uc=33M&t=t&BT_TX=1&ProspectID=E052BABA759C463BAF8EA846FD46E523 (As of November 4, 2008, the standard variable APR for purchases is either 7.49% Rate 1, 11.49% Rate 2 or 15.49% Rate 3 in that order based on our review of your application and credit history, standard variable APR for cash advances ? 19.99%.) However, if you default under any Card Agreement, we may automatically increase the rate on balances (including promotional balances) to a variable default rate of 28.99%. The thieves should be jail, not bailed out””
“”
 How do I get a free legit credit report?
 
“”
 I Need to find a loan shark?
 Personal.
“”
 How do I file for bankruptcy?
 How do I go about filing for a bankruptcy? Do I have to get a lawyer? Thank you
“”
 Does anyone know a good payday loan site online?
 I am looking for a site that is good and is not a joke and going to send me tons of junk mail. Just need some extra money and not a bunch of mail i have to go threw.. Thanks for reading….
“”
 What is the difference between FICO score and a Credit score? Is there any?
 What is the difference between FICO score and a Credit score? Is there any? Also, is there a score that measures your history of transactions on credit?””
“”
 How can i check my credit online?
 I tried that free credit report.com online… and it asked me to put in my credit card number. I don’t have one. I wanted to know if any one else knows how I can check my credit for free online without a credit card being needed. I need to check my credit.
“”
 “”How do i get an actual free”””” credit report?””””
 How can i get a credit report without having to sign up for a membership though some company? I just want to get see what my credit report says after i filled bankruptcy over a year ago. any suggestions??
“”
 Why is interest paid in the early years of a home mortgage is more helpful in reducing taxes than intere?
 Why is interest paid in the early years of a home mortgage is more helpful in reducing taxes than interest paid in later years and why the tax benefit of interest is even larger for longer-term loans.
“”
 #repost
 
“”
 “”I need a $1000-$1500 loan ,like yesterday!. and cannot seem to find anyone who will even try to work with me.?””
 any suggestions welcome. how about private lenders, are these an option? any one with past experience on this please clue me in””
“”
 #repost
 
“”
 Trucos de gta vice city stories de ps2?
 kien me da trucos pero de cosas para volar ejemplo aviones jetpack es para gta vice city strioes de ps2
“”
 H&R Block Emerald Advance Line of Credit Qualifications??
 Im interested in doing the H&R Block Emerald Advance Line of Credit, and am wondering what the qualifications are to receive it?? All H&R Block’s website says is that you have to have filed your return with them for the 2005 or 2006 tax season, but doesn’t list any other specific qualifications. It says no credit check so what exactly do they base their decision on? We have filed every year with H&R Block since 1999 & have an Emerald card from last year’s tax return. Thanks in advance for your help!””
“”
 Car payoff amount..am i getting cheated?
 Should I be looking at the car payoff amount when Im sending in my payments, because it keeps going up a few dollars everyday when I go on the Toyota financing website, and right under it, it will say offer good until”””” a certain date and that changes also. But when I look at my “”””FINAL DATE PAYMENT”””” for the whole car it’s always been the same. Anybody paying off a Toyota that can help me? Thanks!””””””
“”
 Interest begins accruing on a _____ the day of the transaction. (1 point)?
 cash advance charge card credit card purchase
“”
 #repost
 
“”
 Why does my mortgage company want me to refinance?
 I understand that *I* can benefit from refinancing my mortgage to a lower rate. What I don’t understand is why my current mortgage company is evidently so motivated to make that happen — or at least they were for a few months recently. Not to sound cynical, but I don’t think their motivation in sending expensive express notices and calling me three or four times in the last few months is just to help *me*. They are a business, after all, and the only way they gain in the end is to make more money. How will they benefit by giving me a lower rate? I understand also that they may collect closing fees, but I hardly think those can be larger than the money they could get from allowing my current higher-interest loan to drag out to its full term.””
“”
 #repost
 
“”
 “”Will i need a co-signer for $11,000 auto loan?””
 Hello. I want to buy a used 2009 car for $13,500. I have a down payment of $3000 so I am looking into a loan of about $11,000. I work part-time, earn $1500 a month, credit score of 715 (only have a student loan), worked at my job for almost 2 years and monthly expenses of $150. Will i need a co-signer to get a loan of $11,000 from my bank?””
“”
 How good is a 760 FICO credit score?
 Considering some credit card debt, and two mortgages?””
“”
 Do anyone know where I can borrow $2500 with not so good credit?
 Banks and all other lender turn me down..need to pay rent and to finish puting myself throught school. i can start repaying back n bout 6weeks
“”
 Can my ex come after me for joint debt after I file bankruptcy?
 my ex wife was awarded the house during the divorce. the negative equity in the house forced me to take on all the rest our our debt. with my support obligations, its too much. on top of that, our decree states that we are to hold each other harmless from the debts we agreed to take on. well, she never made one payment on the house after I made my last payment. the house went into foreclosure ruining my credit score and my second mortgage is threatening to come after me for the difference. (not to mention she got a couple cool grand as a parting gift in the cash for keys program) my bk lawyer says I’m fine to file bk on our joint debt with no repercussions from my ex because she failed to meet her obligations first. my ex is saying she is going to sue me for the joint debt after I file since she will prob be our creditors Target after I’m relieved. so who’s right? I can see were my lawyer is coming from but my decree does say I’m supposed to hold her harmless from the joint debt I took on. anyone have any insight on this?””
“Do you think the hold up with auto loan” situation is based on nothing more than a class issue?”

White collar vs blue collar? Bailing out Wall Street (white collar) was a breeze..however, with the auto industry (blue collar) there appears to be many hurdles and bumps to cross and bear And will the bail out (if it occurs) happen during Bush’s reign or Obama’s?


 Can I file bankruptcy on business credit cards?
 I own a small business and have several credit cards which were opened in the business name as well as my name. Can i file bankrupt on these cards with the business still operating. The business is in my hubby’s name, I am just an employee which I do not get a paycheck. I have my daughter working for me and pay her under the table. Will this affect my hubby, he is not listed as co-signer or authorized user of the cards.””
“”
 #repost
 
“”
 #repost
 
“”
 Chapter 13 Bankruptcy — Student Loan Consolidation?
 My lawyer told me that another attorney told him that if I was in default before I filed bankruptcy that they may consider student loan consolidation. He also said, that if I wasn’t in default when I filed they will not consider loan consolidation. Please let me know if this is accurate and where can I get more information on student loan consolidation.””
“”
 Was the cosigner eligible in Washington State to sign for an auto loan if she is unemployed?
 The bank required that the cosigner have an income. Correct me if I’m wrong, an income has to be taxable. Veteran’s Affair assistance is just that, assistance. Therefore it is not taxable and cannot be considered income. The cosigner did not lie about this and a letter from the VA explaining this was also submitted into this equation. However, the Bank used this as her income””””. And the amount she receives from VA is not enough to cover the monthly payment of the car loan. Is this legal? If not does it void the loan since the contract would be forged using ineligible means of income?””””””
“”
 Question about student loans?
 I am disabled and was wondering how that would affect my chances good or bad. I had to file bankruptcy when I got sick and wonder if that blows my chances completely. I plan to apply for fafsa also but have already completed a program at the school I want to attend and was wondering if that makes a difference. If anyone has any ideas about anything else I might try any suggestions would be greatly appreciated. My goal is to first get my Associates Degree in IT.
“”
 #repost
 
“”
 WHERE CAN I WATCH LOCKED UP ABROAD: IRAQ ONLINE???
 I know you can see most of the episodes on Hulu and YouTube, and i know you can watch a clip or excerpt from Locked Up Abroad: Iraq, but I really want to watch the full episode online??? If anyone knows where I can watch it thanks in advance!””
“”
 Which of these is the best financing choice?
 I’m looking to trade my car in next year for a 2012 Mustang. Mustang goes for around $20,000–25,000 depending if I get new or used. I’ll owe about $12,500 on my current car which will book for around $11,000 retail $9,500 trade in so I’m a little upside down I understand, but my bank will save me $4,000 off MSRP on a new Mustang. The thing that makes all this possible is I should have between $10,000 and $12,000 to put towards this matter when the time comes. So my question is, is it better to: 1. Try and pay off my 6%APR loan right now, and have that $9,000 equity free and clear to trade towards the new one? 2. Pay my current loan till it’s in the black again and trade the car? 3. Keep my same payments, and just put a huge chunk of cash down on a new car to offset the negative equity? Essentially I just don’t know where or when to apply the $10,000 to save the most money in the long run. And if it helps, I don’t plan on ever being upside down again, I’ll finally be able to get the car I REALLY WANT, and drive it till the wheels fall off instead of keep getting stuck in cars I didn’t want in the first place, but could afford”””” and always regretting it.””””””
“”
 Please explain how a mortgage works?
 Well, I always thought that you apply for a mortgage, say, for 150,000 (example house price) and, assuming the application is approved, the bank gives you the money and charges and interest rate of, say, 50%. You then have to pay the bank back a total of 225,000 (150,000 + 50%). Say you get this mortgage over 20 years then you will then have to pay 937.50 per month (225,000 / 240 months) for the remainder of this period. Now this to me seems the most logical way a mortgage would work. However, when I ask my mum about how mortgages work she says she is only paying off the interest. This just don’t make any sense to me. When is the principal paid back then? I also know that when the government cuts the interest rate slightly (which then gets passed on to the banks) this reduces the monthly payments of a mortgage lender each month. Why would you only pay the interest back but not the principal? This is just completely confusing. Could someone please explain how a mortgage works and please use an example with numbers, it will be a whole lot easier for me to understand it that way.””
“”
 When you file for bankruptcy in nj do they compare your income to your deposits in your bank account.?
 
“”
 Why can’t people in louisiana not refinance a auto loan through wells fargo?
 
“”
 Is there any way to rid of a car without filing bankruptcy or voluntarily repossessed?
 
“”
 Can one sell a house/flat whose loan has not been fully repaid?
 This is probably a stupid question, but I would like to know if it is possible for me to sell my house/flat which was built with the help of a bank-loan and which is not yet fully repaid. Of course until the loan is fully paid back, I am not the owner of the house/flat, but still, is there any way? I am considering a situation like this, suppose I purchase a flat taking a home loan and before it is fully repaid, I am forced to shift to some other place (as required by job). Then what do I do? I have the option to keep the house and keep repaying EMI, but then I also have to rent a house at my shifted place and that would mean too much monetary burden. How do people tackle such problems?””
“”
 Do I have to be divorced to file bankruptcy?
 I am getting seperated and want to file for bankruptcy. My husband told me that we needed to be divorced for me to do that and have it not include him. Is that true?
“”
 Can i get an auto loan directly from my bank?
 Or do i have to through the dealer? if so could i take it out a little bigger as to have some work done to the car with the same loan?
“”
 What kind of credit score do I need to qualify for a mortgage? Right now I have a 572-Experian.?
 
“”
 Does it matter where you work at to claim bankruptcy?
 Does Bankruptcy effect your employment
“”
 #repost
 
“”
 Invalid credit card numbers?
 So this has been EXTREMEMLY frustrating and after hours of work and research i got to adding a credit card to my PS3 account. but i added the credit card numbers (i double checked that theyre correct and no typos like 4 times) and i pressed enter at first with the spaces and then i tried without the spaces. each time it says please enter a valid credit card number””””. PLZZZZZZZZZ i need help fast this is so ******* ANNOYING!!! thnks if you have help tho : )””””””
“”
 Credit score question?
 Hello My husband credit score is 600, and we want to use his name on the mortgage loan. because his credit score is better than mines. well in 1yr or 2 we would like to buy our first home. but in order to get my husband credit score to go up what should he do. See he is going to be stationed in Korea and he wants to know what can he do from there to get his credit score up. I know he should get a credit card with no more than $500 on it. And just make monthly payments but what else should he do. And how soon would his credit score rise to 700. do Experian, transunion, ans equifax all have to have 700 on them? Thank You & God Bless””
“”
 How do i find out who i owe money to?
 This may sound stupid, and that’s because it is. For the past two years ive been ignoring my creditors and collections agencies because i didn’t have the money to pay them. Now that i have the cash to do that, they stopped contacting me! How can i go about finding out exactly who i owe what? and not the credit card companies because they went into collections so thats who i need.””
“”
 Used a fake cedit card on amazon? Pls Reply?
 So i used a credit card generator + i am only 15 no shiets in anyways i am not stupid. So i set up an account using a fake email, a fake address ( next to mine) so i can just collect :p and i used a fake card . I thought it was a joke but the credit card was accepted and the transaction went through — -> What should I do now?””
“”
 How much will the precentage rate for a used vehicle be with someone with poor credit? Approx.?
 We have ours lawyers ok
“”
 What’s the best credit card to have nowadays?
 
“Do you think the hold up with auto loan” situation is based on nothing more than a class issue?”

White collar vs blue collar? Bailing out Wall Street (white collar) was a breeze..however, with the auto industry (blue collar) there appears to be many hurdles and bumps to cross and bear And will the bail out (if it occurs) happen during Bush’s reign or Obama’s?


 African Debt Relief — Receivership?
 I guess to to reiterate. This is a choice like bankruptcy. A company can choose not to accept bankruptcy protection but it must face the consequences. An African country may resent a having foreigners intervene in their affairs, and if they don’t want it, they must face the consequences. No debt relief. No more credit. The word sovereignty for nations is like the word liberty for people. It’s not a free pass. It means you have to live with results of your decisions.””
“”
 How much would my husband and I qualify for a home loan?
 -Combined monthly NET income: Over $6,000 (at least) -Credit score of 620 and 610 -Monthly debt: $1,000 (car, insurance, cell phone, credit card) -Living for free at parents house and we want to buy our own soon. -$5,000 left over after monthl””
“”
 “”Do you think the hold up with auto loan”””” situation is based on nothing more than a class issue?””””””
 White collar vs blue collar? Bailing out Wall Street (white collar) was a breeze..however, with the auto industry (blue collar) there appears to be many hurdles and bumps to cross and bear And will the bail out (if it occurs) happen during Bush’s reign or Obama’s?””
“”
 “”Is there anyway to get out of debt with payday loans, legally, without filing bankruptcy?””
 1) I know that it was the biggest mistake, but was desparate because I couldn’t get a regular loan through a bank, now what?””
“”
 #repost
 
“”
 Where or who do i call or talk to to cancel my annualcreditreport.com account so i’m not charged for it?
 
“”
 I need 5000 does anyone knows loan shark?
 
“”
 A/R Question?
 Which one of the A/R allowance method is the most conservative: a) % of Credit Sales b) Direct Write Off c) % Sales. Also if A/R allowance is increased then which ratio(s) will be effected and why? Current Assets only Current Ratio Net Working Capital Debt/Asset
“”
 Why don’t they make vehicles like they used to?
 I own a 1985 Chevrolet Silverado 2wd shortbed pickup, 1984 chevy custom deluxe longbed 4wd pickup, and a 2005 chevy silverado z71 shortbed single cab. When I drive my 84 and 85 I enjoy it, it’s nice and spacey on the inside, not too smooth and not too rough, the nice rumble of the engine, and compliments from people and one of the last things they say to me is they don’t make them like they used to!”””” I look at brand new chevrolet trucks and 1987 and below and I find the older models much more appealing. If something breaks I can fix it””
“”
 #repost
 
“”
 Where can i get a real free credit history report?
 i visited anualcreditreport.com it asking me my credit card info. for a $1 fee it says the fee is gone refund later. I don’t want give my credit card number if its free why i asked my credit card info.
“”
 Where can i check my credit for free without putting in a credit card…….thanks?
 
“”
 “”I need $55,000 personal loan urgently (within 10 days). where can get?””
 I need $55,000 personal loan urgently (within 10 days). where can get? if anyone know pls let me know.””
“”
 “”What does account charged off”””” mean on a credit report?””””””
 I finally got a friend of mine to take a look at her credit report since she doens’t pay any of her credit card bills and hasn’t for awhile. We got her report and there are some things we aren’t sure what they mean. Here is what one account looks like: Account charged off/Past due 150 days. $979 written off. $197 past due as of May 2005.”””” “”””This account is scheduled to continue on record until Aug 2011.”””” “”””Recent Balance: $979 as of 05/2005"””” “”””Account history: Charge Off as of May 2005 180 days as of May 2005 150 days as of Apr 2005 120 days as of Mar 2005 90 days as of Feb 2005 60 days as of Jan 2005 30 days as of Dec 2004"”
“”
 Is it better to get a loan modification first before filing for bankruptcy?
 
“”
 #repost
 
“”
 #repost
 
“”
 How to filing chapter 13 bankruptcy?
 Please explain the procedure to filing chapter 13 bankruptcy and where can i filing for chapter 13 bankruptcy
“”
 #repost
 
“”
 What is a trusted website where you can get a free credit report?
 Just want a legit safe free credit report”””” that is a secure website…any would help!””””””
“”
 How can i qualify for a zero interest credit card?
 I’m looking for a credit card with no apr for the first year. I have a job and a credit card alredy, paid in full every month, but have been declined for two new credit card applications with different banks. Would I be able to get a zero % apr credit card with my parents as a cosigner?””
“”
 What should we do if bank messed up our mortgage loan?
 We finally found a property that we like, but it turned out to be a detached condo. Our bank gave us a great quote on the mortgage rate that we decided to lock, and two weeks before the closing and approval of the loan we were told that the property was wrong and the original loan won’t fit our property type, and in order to continue we have to pay additional 5% down and also a much higher mortgage rate. At this point we can’t afford the extra 5% and had to decline the loan, but we already paid the home inspection ($300) and the mortgage processing fee ($600). We will get the fee back with the bank declining our loan but not the home inspection. Our feeling is that the bank has messed up toward the beginning, are we entitled to the reimbursement of the inspection as well? Also now we had a declined loan and credit check on our record, will we get affected for our next mortgage application? Any help will be great.””
“”
 Where can i find a website where i can look up my CREDIT SCORE for FREE!?
 i currently just wanting to know if i have a good ,fair,or bad score or not (and i tired of going to web site that say FREE but you still have to pay for it after a time limit or 2 week trial ..I JUST WANT TO KNOW! >< just curious????””
“”
 What does Escrow mean on a mortgage?
 OK call me stupid, but I honestly don’t know what escrow”””” means. a large part of our mortgage payments go to pay escrow””
“”
 Loan scam? — Easy Loan?
 A few questions in one here so please bear with me. This morning i received a phone call from a company called Easy Loan regarding a loan application i have made. The only thing is, i haven’t. Obviously i am worried that someone may be trying to take out fraudulent loans in my name, although i have no idea why they would use MY contact number in any such request. Is this some form of aggressive cold calling, is it a scam or does it bear the hallmarks of genuine fraud? I’ve contacted my bank and no brokers fee has been taken out of my account and they have changed my card details, i have contacted emperia so get a credit check to see if loans have been applied for in my name. is there anything else i would need to do?””
“Do you think the hold up with auto loan” situation is based on nothing more than a class issue?”

White collar vs blue collar? Bailing out Wall Street (white collar) was a breeze..however, with the auto industry (blue collar) there appears to be many hurdles and bumps to cross and bear And will the bail out (if it occurs) happen during Bush’s reign or Obama’s?