BUS-121 - Financial Planning & Money Management
Fall 2018

Southwestern Community College
Instructor: Frank Paiano


Exam #1

Exam #1
BUS-121-03
Face-to-face Chula Vista
Tuesdays & Thursdays
10:10 am to 11:45 am
Exam #2: Chapters 4, 5, 6, and 7
 Chapter 4: Savings and Payment Services
 Chapter 5: Consumer Credit: Advantages, Disadvantages,Sources, and Costs
 Chapter 6: Consumer Purchasing Strategies and Wise Buying of Motor Vehicles
 Chapter 7: Selecting and Financing Housing
Tentative: Thursday, October 11th
BUS-121-501/502 Online Classes Exam #2: Chapters 4, 5, 6, and 7
 Chapter 4: Savings and Payment Services
 Chapter 5: Consumer Credit: Advantages, Disadvantages,Sources, and Costs
 Chapter 6: Consumer Purchasing Strategies and Wise Buying of Motor Vehicles
 Chapter 7: Selecting and Financing Housing
Thursday, October 11th, to Sunday, October 14th



Announcements

Announcements   (also available in Canvas)

Week #6 – Chapter 5 - Credit! - Video - Video (CC) - Audio
    Due: Chapter 4 Assignment, Banks versus Credit Unions Discussion Forum

Week #5 – After the First Exam – Chapters 4 (Banking) and 5 (Credit!) - Video - Video (CC) - Audio
    Due: Chapter 3 Assignment, Financial Statements Discussion Forum
Week #4 – Finishing Chapter 3 on Taxes – Exam #1, Chapter 2 Assignment, and Marriage and Finance Forum - Video - Video (CC) - Audio
    Due: Exam #1, Chapter 2 Assignment, Marriage and Finance Discussion Forum
Week #3 - Taxes! - Chapter 1 and Savings 10% Discussion Forum Posts Due - Exam #1 Next Week - Video - Video (CC) - Audio
    Due: Chapter 1 Assignment, Saving 10% Discussion Forum, Exam 1 next week
Week #2 - Chapter 2 on Money Management and Financial Statements – Goal Setting Discussion Forums - Video - Video (CC) - Audio
    Due: Goal Setting Discussion Forum
Week #1 - Introduction and Welcome to BUS-121, Financial Planning & Money Management, for Fall 2018 - Video - Video (CC) - Audio
    Due: Please Introduce Yourself and "If I had a million dollars, I would ..." Discussion Forums
Week #0 - Presemester Announcement  For students enrolled on the roster of BUS-121, Financial Planning and Money Management
Week #0 - Presemester Announcement  For students on the waiting list of BUS-121, Financial Planning and Money Management



Chapter Presentations, Handouts, and Assignments


Part 1: Planning Your Personal Finances

Chapter 1:
Personal Financial Planning
in Action


Syllabus:
BUS-121-03 Face-to-Face Class Syllabus - Audio commentary will be created during Lecture 1 on Tuesday, August 21st
  You could also listen to the Audio Commentary for the Online Classes Syllabus. It is almost exactly the same.
BUS-121-501/502 Online Classes Syllabus - Audio Commentary of Online Classes Syllabus - Long Format  Long format in Canvas
Your Humble Professor Introduces Himself
Your Humble Professor Introduces Himself (Closed Captioned) -  Look for Video (CC) for the closed captioned videos.
Your Humble Professor Introduces Himself with just audio -  Look for Audio for the audio commentaries.
A Guided Tour of the Class Web Site - Video (CC) - Audio  Uh, it's what y'er lookin' at right now.



Chapter 1 Materials
Presentation  Every chapter has a presentation that can be read with Powerpoint, Open Office, Libre Office, or Google Docs
Study Guide - Video - Video CC) - Audio  Discussion of the chapter study guides and how to use Google Docs
Assignment - Commentary
Rubric for Goals Assignment - Commentary
Discussion Forums Assignment (Online students only) - Commentary
  Add your picture to the discussion boards!  We want to see your smiling face!

Chapter 1 Bonus Assignments -- Fun!
Bonus Assignment / Extra Credit - Examples: 0 1 2 3 4 5 6 7 8 9 10 11 Commentary   Chapter 1 Bonus Assignment -- Have fun!   
   Say No To Tobacco    New Hit Song Sweeping The Nation!

How to Submit Assignments (Online students only) - Commentary
Attendance Formula (Face-to-face students only)

Marriage and Finance

Future Value Handouts and Tables
Future Value Worksheet - Commentary - Answer Key
Future Value Tables - (Need for future value calculations)
Future Value Practice 1 - Answer Key
Future Value Practice 2 - Answer Key

Online Audio Lectures (MP3 format which can be downloaded to mobile device or CD.)
Chapter 1 - Lecture 1 - Slides 1 to 18    Introduction: Personal Financial Planning
Chapter 1 - Lecture 2 - Slides 19 to 39    Goal Setting & the Time Value of Money
Chapter 1 - Lecture 3 - Slides 40 to 47    Financial Aspects of Career Planning

Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 1 - Lecture 1 - Slides 1 to 18    Introduction: Personal Financial Planning
Chapter 1 - Lecture 2 - Slides 19 to 39    Goal Setting & the Time Value of Money
Chapter 1 - Lecture 3 - Slides 40 to 47    Financial Aspects of Career Planning

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 1 - Lecture 1 - Slides 1 to 18    Introduction: Personal Financial Planning
Chapter 1 - Lecture 2 - Slides 19 to 39    Goal Setting & the Time Value of Money
Chapter 1 - Lecture 3 - Slides 40 to 47    Financial Aspects of Career Planning

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 1 - Lecture 1 - Slides 1 to 18    Introduction: Personal Financial Planning
Chapter 1 - Lecture 2 - Slides 19 to 39    Goal Setting & the Time Value of Money
Chapter 1 - Lecture 3 - Slides 40 to 47    Financial Aspects of Career Planning

Face-to-face Audio Lectures
TueThur 10:10 a.m. Lecture 1 Audio - 21 Aug    Welcome and Introduction: Personal Financial Planning
TueThur 10:10 a.m. Lecture 2 Audio - 23 Aug    Goal Setting & the Time Value of Money
TueThur 10:10 a.m. Lecture 3 Audio - 28 Aug    Financial Aspects of Career Planning

Chapter 2:
Money Management Strategy:
Financial Statements
and Budgeting


Chapter 2 Materials
Presentation
Study Guide
Assignment - Audio Commentary
Financial Statements Practice - Answer Key
Financial Statements Practice On Your Own

Creating a Good Password: Good - Better - Best
Creating a Good PIN

Computer Laboratory: Financial Statements
Excel Spreadsheet - Google Spreadsheet - Video - Video (CC) - Audio

Just one simple change  And it lowered my spending.

Online Audio Lectures
Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements

Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 2 - Lecture 1 - Slides 1 to 14    Money Management & Financial Statements

Face-to-face Audio Lectures
TueThur 10:10 a.m. Lecture 1 Audio - 28 Aug    Money Management & Financial Statements

Chapter 3:
Taxes in Your Financial Plan


Chapter 3 Materials
Presentation
Study Guide
Assignment - Audio Commentary
Supplemental Form 1040 Tax Assignment - PDF File   (Similar to First and Second Income Tax Exercises)

After Tax Worksheet - Commentary - Answer Key  (Lecture #1)

Tax Returns
First Income Tax Exercise - Schedule A  (Use with Lecture #2)
Second Income Tax Exercise Instructions - 1040 PDF File - Commentary - Answer Key
1040EZ Example - Commentary

IRS Web Site and Forms
www.irs.gov  Please use IRS web site for your research questions
2017 IRS Form 1040
2017 IRS Form 1040 Schedule A
2017 IRS Form 1040EZ
2017 Tax Tables
2017 IRS Form 1040 Instructions
Publication 17  Publication 17 is a very popular and thorough guide to most all tax returns

Tax Cuts of 2017
The Rich Get Richer
Tax Cuts Benefit the Ultra Rich, Not the Merely Rich
How the tax cuts will affect you

IRS Audits and Appeals
How Do IRS Audits Work?
Doing Battle with the IRS
How far back can the IRS audit you?
The IRS can revoke your passport!? Yep!

Online Audio Lectures
Chapter 3 - Lecture 1 - Slides 1 to 12    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 13 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies

Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 3 - Lecture 1 - Slides 1 to 12    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 13 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 3 - Lecture 1 - Slides 1 to 12    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 13 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 3 - Lecture 1 - Slides 1 to 12    Taxes & Financial Planning; How Much Does It Really Cost?
Chapter 3 - Lecture 2 - Slides 13 to 32    A Typical Homeowner's Form 1040
Chapter 3 - Lecture 3 - Slides 33 to 50    Tax Resources, Audits, & Strategies

Face-to-face Audio Lectures
TueThur 10:10 a.m. Lecture 1 Audio - 30 Aug   Taxes & Financial Planning; How Much Does It Really Cost?, Begin: A Typical Homeowner's Form 1040
TueThur 10:10 a.m. Lecture 2 Audio - 4 Sep   Continue: A Typical Homeowner's Form 1040, Review Future Value and Net Worth
TueThur 10:10 a.m. Lecture 3 Audio - 11 Sep   Tax Resources and Audits, Tax Strategies, Second Tax Exercise, 1040EZ, Review for Exam


Part 2: Managing Your Personal Finances

Chapter 4:
Savings and Payment Services


Chapter 4 Materials
Presentation
Study Guide
Assignment - Audio Commentary

Reconciliation Worksheet  The reconciliation worksheet is used for the checkbook reconciliation problems.
Reconciliation Practice Problem 1 - Check Register Answer Key - Reconciliation Answer Key
  Presentation: Video - Video (CC) - Audio
Reconciliation Practice Problem 2 - Check Register Answer Key - Reconciliation Answer Key
Reconciliation Assignment   (Part of the chapter 4 assignment)

CheckBook Spreadsheets
CheckBook1: Excuse - Google Docs
CheckBook2: Expel - Google Docs  Demonstrates another method to reconcile practice problem #1
  Presentation: Video - Video (CC) - Audio

It is expensive being poor and "unbanked"  This family shows you why
Why 56 million Americans have no bank account  Some research that shows for the poor, banks are more expensive than loan-until-payday outlets
A very good reason not to hide your money at home  One of many, by the way ...

Online Audio Lectures
Chapter 4 - Lecture 1 - Slides 1 to 8    Savings and Payment Services

Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 4 - Lecture 1 - Slides 1 to 8    Savings and Payment Services

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 4 - Lecture 1 - Slides 1 to 8    Savings and Payment Services

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 4 - Lecture 1 - Slides 1 to 8    Savings and Payment Services

Face-to-face Audio Lectures
TueThur 10:10 a.m. Lecture 1 Audio - 18 Sep    Savings and Payment Services, Check Reconciliation

Chapter 5:
Consumer Credit:
Advantages, Disadvantages,
Sources, and Costs


Chapter 5 Materials
Presentation
Study Guide
Assignment - Commentary
Interest Calculation Worksheet - Commentary - Answer Key

Annual Credit Report One free credit report each year from each of the three credit bureaus
Annual Credit Report FAQ
Credit Solicitations - Video - Video (CC) - Audio
Credit Solicitation Images - Video - Video (CC) - Audio
The rewards (and pitfalls) of being a Loyal, Obedient Member of the Benevolent Machine
Credit Card Marketed to Students  Free Cell Phone Insurance! Yippee!
Here's what happens when you miss a credit card payment  Plus why do many people miss their credit card payments? "Uh, I forgot."
Just one simple change  and it lowered my spending.
Paying With Cash Helps You Save  It Also Can Give You More Joy.

WalletHub.com asked me to answer some questions about credit cards and they published the answers
Yours Truly is an Expert?   Scroll down past the credit card advertisements to see my responses.

Tales from the Credit Card House of Horrors - Commentary
Husband got secret credit cards and maxed them out   What's the most important financial decision you will ever make?
Debt Consolidation Loan  Roll all your credit cards into a debt consolidation loan ... and then run up your credit cards all over again!
LA Times: Statute of Limitations on Being Sued for a Debt
CreditCard.com: Statute of Limitations on Being Sued for a Debt  The debt is then "time-barred."

How is your FICO score calculated?
10 Reasons I Am Canceling My Credit Cards
Yes, Credit Cards Are Making You a Bad Person
The Dark Side of Debt Collection   Aye! This is some really scary stuff!
The $2,400 debt that would not die!
$36 worth of Girl Scout Cookies!?   A debt collector goes after someone for $36 worth of cookies he did not buy

A High Credit Score is a Predictor of What?!   Couples with higher credit scores report healthier and happier relationships
How Much Debt Does Each Generation Carry?   Scroll down to see the median debt levels for each generation
You think your student loan balance is bad?   How would you like a $210,000 student loan balance?

Online Audio Lectures
Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity
Chapter 5 - Lecture 2 - Slides 35 to 66    Credit Scores; Identity Theft; Credit Problems & Bankruptcy

Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity
Chapter 5 - Lecture 2 - Slides 35 to 66    Credit Scores; Identity Theft; Credit Problems & Bankruptcy

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity
Chapter 5 - Lecture 2 - Slides 35 to 66    Credit Scores; Identity Theft; Credit Problems & Bankruptcy

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 5 - Lecture 1 - Slides 1 to 34    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity
Chapter 5 - Lecture 2 - Slides 35 to 66    Credit Scores; Identity Theft; Credit Problems & Bankruptcy

Face-to-face Audio Lectures
TueThur 10:10 a.m. Lecture 1 Audio - 20 Sep    Introduction to Credit; Credit Cards and HELOCs; Credit Capacity
TueThur 10:10 a.m. Lecture 2 Audio - 25 Sep    Credit Scores; Identity Theft; Credit Problems & Bankruptcy


Part 3: Making Your Purchasing Decisions

Chapter 6:
Consumer Purchasing
Strategies and Wise Buying
of Motor Vehicles


Chapter 6 Materials
Presentation
Study Guide
Assignment - Audio Commentary
Example of bar chart bonus point  At Donovan Prison, they have to be creative. No computers!
Bonus Extra Credit Assignment: Television - Commentary  So, how much television do you watch? Hmmm?
Bonus Extra Credit Assignment: Football - Commentary  So, how much do the football players actually play the game? Hmmm?
I'd Like Some More Things, Please!  Can you list every single item you own? We have too much!

Consumerism
The High Price of Materialism
An hour of TV takes 22 minutes from your life!
The woman is the beer!
Obituary for Author of "The Millionaire Next Door"
The High Cost of Being Poor

Bikes!
San Diego Bike Coalition  Come join us! We have too much fun volunteering!
It's amazing what you can do with a bike
High gas prices got you down? Fight back!
Disaster Relief Race  In an emergency where roads are impassable, a bike is literally a lifesaver.
Portland Bike Move  Moving by bike is part of the culture in Portland, Oregon

Cars
Car Ownership Costs - Answer Key
AAA Your Driving Costs
AAA accompanying article about driving costs
Five car loan mistakes that can cost you money
Our Addiction - Our Neverending Thirst
Tips for saving gas
You want the price of gas to fall?  Stop buying it!
How do you get young people to stop texting & driving?  Make 'em do it to pass the driving exam!

Drunk Driving
If you get pulled over for drunk driving, you had better be loaded!
"Osiffer, I'm not as thunk as you drink I am."
Take the Pledge! Never drink & drive
Confession: I killed a man

Online Audio Lectures
Chapter 6 - Lecture 1 - Slides 1 to 44    Consumerism
Chapter 6 - Lecture 2 - Slides 44 to 68    Cars! Culture of Consumption Scandal #1

Online Audio/Video Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 6 - Lecture 1 - Slides 1 to 44    Consumerism
Chapter 6 - Lecture 2 - Slides 44 to 68    Cars! Culture of Consumption Scandal #1

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 6 - Lecture 1 - Slides 1 to 44    Consumerism
Chapter 6 - Lecture 2 - Slides 44 to 68    Cars! Culture of Consumption Scandal #1

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 6 - Lecture 1 - Slides 1 to 44    Consumerism
Chapter 6 - Lecture 2 - Slides 44 to 68    Cars! Culture of Consumption Scandal #1

Chapter 7:
Selecting and
Financing Housing


Chapter 7 Materials
Presentation
Study Guide
Assignment - Comparing Mortgages Assignment - Audio Commentary   Please review Mortgage Exercises Worksheet below
Mortgage Exercises Worksheet - Audio Commentary - Mortgage Exercises Answer Key
   Presentation: Video - Video (CC) - Audio

Mortgages
Mortgage Amortization Table
Monthly Resets of Optional ARM Mortgages - Video - Video (CC) - Audio  Beware the Option ARM!
Mortgage Rates versus Points - Video - Video (CC) - Audio  "Pay us now or pay us later!"
Example HUD Final Settlement Document

How much is your home worth?
Presentation: Video - Video (CC) - Audio
   Maybe finally it is getter close to what it was worth 10 years ago! Or maybe not.
Zillow - Trulia - Redfin

Some reverse mortgages are pushing some seniors out of their homes
Million-Dollar Mega-Flop  One of the worst examples of the bursting of the housing bubble
HOA Horror Story    One of many, by the way.
A Landlord's Horror Story    One of many, by the way.
Very strange solicitation    They will buy your house ... for $100,000 or $200,000 less than it is worth!

How 'bout some good news for a change?
Foreclosure activity continues to dwindle  But this was written in 2016. What is happening now?

Property Manager Steals Rent Money  Make sure you receive a receipt for your rent payment every month!
How to outsmart Private Mortgage Insurance  According to Investopedia

Online Audio Lectures
Chapter 7 - Lecture 1 - Slides 1 to 18    Housing, Renting versus Owning
Chapter 7 - Lecture 2 - Slides 19 to 35    Home Buying Process, Mortgage Calculations

Online Audio/Visual Lectures (Apple mobile users: Search "BUS121" in iTunes.)
Chapter 7 - Lecture 1 - Slides 1 to 18    Housing, Renting versus Owning
Chapter 7 - Lecture 2 - Slides 19 to 35    Home Buying Process, Mortgage Calculations

Online Audio/Video Lectures on YouTube (Closed captioning available)
Chapter 7 - Lecture 1 - Slides 1 to 18    Housing, Renting versus Owning
Chapter 7 - Lecture 2 - Slides 19 to 35    Home Buying Process, Mortgage Calculations

Online Audio/Video Lectures on 3CMediaSolutions (Excellent closed captioning available)
Chapter 7 - Lecture 1 - Slides 1 to 18    Housing, Renting versus Owning
Chapter 7 - Lecture 2 - Slides 19 to 35    Home Buying Process, Mortgage Calculations

Text Book

Here are links to venders who sell or rent our text book: "Focus on Personal Finance"
The text book is also available at the college book store as well as numerous other outlets.
It should also be available as an on-line text book.
You can use any of the editions below. They are all basically the same. Required assignments are on this class web site
Only optional and recommended assignments are taken from the book. You can find similar assignments in any of the editions.
DISCLAIMER: I receive NO COMMISSION, KICKBACK, REMUNERATION, ETC. from any of these venders.
Do not complain to me if they turn out to be superflakes (or worse) who lose your order twice (or try to rip you off).
Personally, I am very wary of buying products via the Internet and I very rarely do so. Good Luck!
Focus on Personal Finance -- 5th Edition
Amazon: http://www.amazon.com/Personal-Finance-Mcgraw-Hill-Series-Insurance/dp/0077861744/ref=dp_ob_title_bk
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance-An-Active-Approach-to-Help-You-Achieve-Financial-Literacy-by-Robert-J-Hughes-Jack-R-Kapoor-Melissa-M-Hart-and-Les-R-Dlabay-2015-Paperback/206597696&tg=info
Chegg.com: http://www.chegg.com/etextbooks/focus-on-personal-finance-5th-edition-9781259355240-1259355241?trackid=7abab35c&strackid=6c68188d&ii=5
Focus on Personal Finance -- 4th Edition
Amazon: http://www.amazon.com/Focus-Personal-Finance-Successful-McGraw-Hill/dp/0078034787/ref=sr_1_1?s=books&ie=UTF8&qid=1462473020&sr=1-1&keywords=Focus+on+Personal+Finance+4th
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance-An-Active-Approach-to-Help-You-Develop-Successful-Financial-Skills-by-Jack-Kapoor-Robert-J-Hughes-and-Les-Dlabay-2012-Paperback/143664068&tg=info
Chegg.com: http://www.chegg.com/textbooks/focus-on-personal-finance-4th-edition-9780078034787-0078034787?trackid=73073f53&strackid=6c68188d&ii=1
Focus on Personal Finance -- 3rd Edition
Amazon: http://www.amazon.com/Personal-Finance-Kapoor-Dlabay-Paperback/dp/B009O3FZ5Y/ref=sr_1_1?s=books&ie=UTF8&qid=1462473106&sr=1-1&keywords=Focus+on+Personal+Finance+3rd
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance-by-Jack-Kapoor-Robert-J-Hughes-and-Les-Dlabay-2009-Paperback/103083266&tg=info
Chegg.com: http://www.chegg.com/textbooks/focus-on-personal-finance-3rd-edition-9780073382425-0073382426?trackid=2fb37bd6&strackid=6c68188d&ii=11
Focus on Personal Finance -- 2nd Edition
Amazon: http://www.amazon.com/Personal-Finance-Mcgraw-Hill-Insurance-Estate/dp/0073530638/ref=pd_bbs_sr_1?ie=UTF8&s=books&qid=1216955819&sr=8-1
Half.com: http://product.half.ebay.com/Focus-on-Personal-Finance_W0QQprZ60710344QQtgZinfo
Chegg.com: http://www.chegg.com/textbooks/focus-on-personal-finance-2nd-edition-9780073530635-0073530638?trackid=d9j3HAJh&ii=1&om_ss=1

Back