Council on Aging Senior Guide 2012 - 113

COUNCIL ON AGING ORANGE COUNTY

lenders who advertise their services to homeowners just like you. These lenders use smooth-talking salespeople to trick you into taking out a loan that’s good for them, but bad for you. Before you know it, you may have a loan you can’t afford, with high interest rates and outrageous fees. Is a loan against your home the right thing to do now? Depending on your age and your needs, a reverse mortgage might be a better option for you. If you have problems with your credit history, it can be hard to find a good deal on a loan. You may need to work on repairing your credit before taking a loan. If you want to consolidate credit card debt, think hard before using your home to get the funds. A credit card company can’t foreclose on your home if you don’t pay your credit card bills, but a mortgage lender can. If you’re considering borrowing against your home: Shop around for lenders and loans. Start by contacting local banks and credit unions. Get several different offers and pick the loan that is best for you-not for the person making the loan. Don’t rely on the salesperson for all of your information. Remember, the salesperson will make money if you take the loan. Talk to an attorney, a housing counselor, trusted friend, or family member before you sign anything. Contact your local consumer protection office and state attorney general to see if there have been complaints against the company you’re considering. Slow down. A lender who pressures you, offers nextday approval, or wants to take your application over the phone may be trying to rush you into a bad deal. Check the details. Before you borrow, know exactly what the loan includes. You have a legal right to know the total cost of your loan. Lenders know that lower monthly payments are attractive, but don’t be distracted by a low monthly payment. It could be part of a loan with a huge balloon payment that comes due at the end of the loan. Watch for hidden fees and unexpected charges. Tell the lender they need to explain each charge and fee. Read carefully. Whenever you borrow money, sign only if you’re confident you fully understand your obligations. Never sign a document with blank spaces. Insist on all spaces being filled in before you sign. Know when to walk away. You can back out of a loan transaction any time before you sign the contract. If there are surprises, you should stop the process. If you’ve signed a contract that uses your home as security, the Truth in Lending Act allows you to change your mind, for any reason, within three business days of signing the contract.
Council On Aging-Orange County | 714-479-0107 | www.coaoc.org

Slow down. A lender who pressures you, offers next-day approval, or wants to take your application over the phone may be trying to rush you into a bad deal.
If you take a high-cost loan, understand your rights and legal protections. The Home Ownership and Equity Protection Act (HOEPA) provides specific rights and protections for loans with a high interest rate, and high points and fees. These are known as HOEPA loans. With a HOEPA loan:
n The lender must give you certain disclosures at least three business days before closing the loan. n The lender cannot make a direct payment to a home improvement contractor. n Your loan can’t have a balloon payment due in less than five years.

If you think you have a problem loan, get help. Consult a housing counselor or attorney to review your loan documents. Contact your county or state office of consumer affairs, or your state attorney general’s office. You can find their numbers in the government pages of your phone book. Trust Yourself, Be Cautious If your intuition tells you that it sounds too good to be true, it probably is. Be cautious of offers that come by telephone, mail, e-mail, and even to your door. Beware of offers that seem too good to pass up or that are good “for a limited time only.” Most reputable financial product companies don’t solicit business over the phone or at your front door. Be suspicious of anyone who contacts you first. If you suspect fraud or a scam, report it. You can make reports to the Federal Trade Commission at www.ftc.gov or 877-FTC-HELP (877-382-4357). It’s your money – protect it!
Senior Guide OC 2012

113


http://www.ftc.gov http://www.coaoc.org

Council on Aging Senior Guide 2012

Table of Contents for the Digital Edition of Council on Aging Senior Guide 2012

Council on Aging Senior Guide 2012
Contents
Introduction
Supervisor Letter of Support
Editor’s Message
Publishers Message
ADRC
1. Healthcare & Care Giving Resources
Business Listings
Non-Profit Listings
Medical Services
Mental Health Services
Adult Day Care Services
Health Support Services
2. Housing Alternatives
Business Listings
Non-Profit Listings
Housing Assistance
Emergency Housing
Home Modifications
Group Residences for Adults With Disabilities
Facilities By City
3. Financial & Legal
Business Listings
Non-Profit Listings
Financial Assistance
Financial Counseling
Legal Assistance
Abuse/Neglect
Consumer Information/Protection
Domestic Violence Programs/Counseling
Licensing & Complaints
Social Security
4. Insurance
Business Listings
Non-Profit Listings
Medicare & MediCal
State Disability Insurance
Social Security
Unemployment Insurance
Medicare Comparison Charts
5. Community Resources
Business Listings
Non-Profit Listings
Senior Centers
Meals and Food Programs
Volunteerism
Transportation
Emergency Preparedness
Hot Lines
Sites
Veterans Services
Support Groups
Services for the Disabled
6. Recreation, Personal Services & Other
Business Listings
Non-Profit Listings
Adult Education
Falls Prevention
Fitness Assessment
Senior Community Opportunities
Council on Aging Senior Guide 2012 - intro
Council on Aging Senior Guide 2012 - Council on Aging Senior Guide 2012
Council on Aging Senior Guide 2012 - Cover2
Council on Aging Senior Guide 2012 - Introduction
Council on Aging Senior Guide 2012 - Supervisor Letter of Support
Council on Aging Senior Guide 2012 - 3
Council on Aging Senior Guide 2012 - Editor’s Message
Council on Aging Senior Guide 2012 - Contents
Council on Aging Senior Guide 2012 - Publishers Message
Council on Aging Senior Guide 2012 - ADRC
Council on Aging Senior Guide 2012 - 8
Council on Aging Senior Guide 2012 - 9
Council on Aging Senior Guide 2012 - 10
Council on Aging Senior Guide 2012 - 1. Healthcare & Care Giving Resources
Council on Aging Senior Guide 2012 - 12
Council on Aging Senior Guide 2012 - 13
Council on Aging Senior Guide 2012 - 14
Council on Aging Senior Guide 2012 - 15
Council on Aging Senior Guide 2012 - Business Listings
Council on Aging Senior Guide 2012 - 17
Council on Aging Senior Guide 2012 - 18
Council on Aging Senior Guide 2012 - 19
Council on Aging Senior Guide 2012 - 20
Council on Aging Senior Guide 2012 - 21
Council on Aging Senior Guide 2012 - 22
Council on Aging Senior Guide 2012 - 23
Council on Aging Senior Guide 2012 - 24
Council on Aging Senior Guide 2012 - 25
Council on Aging Senior Guide 2012 - 26
Council on Aging Senior Guide 2012 - 27
Council on Aging Senior Guide 2012 - 28
Council on Aging Senior Guide 2012 - 29
Council on Aging Senior Guide 2012 - Medical Services
Council on Aging Senior Guide 2012 - 31
Council on Aging Senior Guide 2012 - 32
Council on Aging Senior Guide 2012 - Mental Health Services
Council on Aging Senior Guide 2012 - Adult Day Care Services
Council on Aging Senior Guide 2012 - Health Support Services
Council on Aging Senior Guide 2012 - 36
Council on Aging Senior Guide 2012 - 37
Council on Aging Senior Guide 2012 - 38
Council on Aging Senior Guide 2012 - 39
Council on Aging Senior Guide 2012 - 40
Council on Aging Senior Guide 2012 - 41
Council on Aging Senior Guide 2012 - 42
Council on Aging Senior Guide 2012 - 43
Council on Aging Senior Guide 2012 - 44
Council on Aging Senior Guide 2012 - 2. Housing Alternatives
Council on Aging Senior Guide 2012 - 46
Council on Aging Senior Guide 2012 - 47
Council on Aging Senior Guide 2012 - Business Listings
Council on Aging Senior Guide 2012 - 49
Council on Aging Senior Guide 2012 - 50
Council on Aging Senior Guide 2012 - 51
Council on Aging Senior Guide 2012 - 52
Council on Aging Senior Guide 2012 - 53
Council on Aging Senior Guide 2012 - 54
Council on Aging Senior Guide 2012 - Housing Assistance
Council on Aging Senior Guide 2012 - Home Modifications
Council on Aging Senior Guide 2012 - Facilities By City
Council on Aging Senior Guide 2012 - 58
Council on Aging Senior Guide 2012 - 59
Council on Aging Senior Guide 2012 - 60
Council on Aging Senior Guide 2012 - 61
Council on Aging Senior Guide 2012 - 62
Council on Aging Senior Guide 2012 - 63
Council on Aging Senior Guide 2012 - 64
Council on Aging Senior Guide 2012 - 65
Council on Aging Senior Guide 2012 - 66
Council on Aging Senior Guide 2012 - 67
Council on Aging Senior Guide 2012 - 68
Council on Aging Senior Guide 2012 - 69
Council on Aging Senior Guide 2012 - 70
Council on Aging Senior Guide 2012 - 71
Council on Aging Senior Guide 2012 - 72
Council on Aging Senior Guide 2012 - 73
Council on Aging Senior Guide 2012 - 74
Council on Aging Senior Guide 2012 - 75
Council on Aging Senior Guide 2012 - 76
Council on Aging Senior Guide 2012 - 77
Council on Aging Senior Guide 2012 - 78
Council on Aging Senior Guide 2012 - 79
Council on Aging Senior Guide 2012 - 80
Council on Aging Senior Guide 2012 - 81
Council on Aging Senior Guide 2012 - 82
Council on Aging Senior Guide 2012 - 83
Council on Aging Senior Guide 2012 - 84
Council on Aging Senior Guide 2012 - 85
Council on Aging Senior Guide 2012 - 86
Council on Aging Senior Guide 2012 - 87
Council on Aging Senior Guide 2012 - 88
Council on Aging Senior Guide 2012 - 89
Council on Aging Senior Guide 2012 - 90
Council on Aging Senior Guide 2012 - 91
Council on Aging Senior Guide 2012 - 92
Council on Aging Senior Guide 2012 - 93
Council on Aging Senior Guide 2012 - 94
Council on Aging Senior Guide 2012 - 3. Financial & Legal
Council on Aging Senior Guide 2012 - 96
Council on Aging Senior Guide 2012 - 97
Council on Aging Senior Guide 2012 - Business Listings
Council on Aging Senior Guide 2012 - 99
Council on Aging Senior Guide 2012 - 100
Council on Aging Senior Guide 2012 - 101
Council on Aging Senior Guide 2012 - Legal Assistance
Council on Aging Senior Guide 2012 - 103
Council on Aging Senior Guide 2012 - Abuse/Neglect
Council on Aging Senior Guide 2012 - Social Security
Council on Aging Senior Guide 2012 - 106
Council on Aging Senior Guide 2012 - 107
Council on Aging Senior Guide 2012 - 108
Council on Aging Senior Guide 2012 - 109
Council on Aging Senior Guide 2012 - 110
Council on Aging Senior Guide 2012 - 111
Council on Aging Senior Guide 2012 - 112
Council on Aging Senior Guide 2012 - 113
Council on Aging Senior Guide 2012 - 114
Council on Aging Senior Guide 2012 - 4. Insurance
Council on Aging Senior Guide 2012 - 116
Council on Aging Senior Guide 2012 - 117
Council on Aging Senior Guide 2012 - 118
Council on Aging Senior Guide 2012 - 119
Council on Aging Senior Guide 2012 - Business Listings
Council on Aging Senior Guide 2012 - 121
Council on Aging Senior Guide 2012 - 122
Council on Aging Senior Guide 2012 - Social Security
Council on Aging Senior Guide 2012 - Unemployment Insurance
Council on Aging Senior Guide 2012 - 125
Council on Aging Senior Guide 2012 - 126
Council on Aging Senior Guide 2012 - 127
Council on Aging Senior Guide 2012 - 128
Council on Aging Senior Guide 2012 - 129
Council on Aging Senior Guide 2012 - Medicare Comparison Charts
Council on Aging Senior Guide 2012 - 131
Council on Aging Senior Guide 2012 - 132
Council on Aging Senior Guide 2012 - 133
Council on Aging Senior Guide 2012 - 134
Council on Aging Senior Guide 2012 - 135
Council on Aging Senior Guide 2012 - 136
Council on Aging Senior Guide 2012 - 137
Council on Aging Senior Guide 2012 - 138
Council on Aging Senior Guide 2012 - 139
Council on Aging Senior Guide 2012 - 140
Council on Aging Senior Guide 2012 - 5. Community Resources
Council on Aging Senior Guide 2012 - 142
Council on Aging Senior Guide 2012 - 143
Council on Aging Senior Guide 2012 - Business Listings
Council on Aging Senior Guide 2012 - 145
Council on Aging Senior Guide 2012 - Senior Centers
Council on Aging Senior Guide 2012 - 147
Council on Aging Senior Guide 2012 - 148
Council on Aging Senior Guide 2012 - 149
Council on Aging Senior Guide 2012 - Meals and Food Programs
Council on Aging Senior Guide 2012 - 151
Council on Aging Senior Guide 2012 - 152
Council on Aging Senior Guide 2012 - 153
Council on Aging Senior Guide 2012 - 154
Council on Aging Senior Guide 2012 - 155
Council on Aging Senior Guide 2012 - Volunteerism
Council on Aging Senior Guide 2012 - 157
Council on Aging Senior Guide 2012 - Support Groups
Council on Aging Senior Guide 2012 - Services for the Disabled
Council on Aging Senior Guide 2012 - 160
Council on Aging Senior Guide 2012 - 161
Council on Aging Senior Guide 2012 - 162
Council on Aging Senior Guide 2012 - 163
Council on Aging Senior Guide 2012 - 164
Council on Aging Senior Guide 2012 - 6. Recreation, Personal Services & Other
Council on Aging Senior Guide 2012 - 166
Council on Aging Senior Guide 2012 - Business Listings
Council on Aging Senior Guide 2012 - Fitness Assessment
Council on Aging Senior Guide 2012 - Senior Community Opportunities
Council on Aging Senior Guide 2012 - 170
Council on Aging Senior Guide 2012 - 171
Council on Aging Senior Guide 2012 - 172
Council on Aging Senior Guide 2012 - 173
Council on Aging Senior Guide 2012 - 174
Council on Aging Senior Guide 2012 - 175
Council on Aging Senior Guide 2012 - 176
Council on Aging Senior Guide 2012 - Cover3
Council on Aging Senior Guide 2012 - Cover4
https://www.nxtbook.com/nxtbooks/coaoc/coa_answers2017
https://www.nxtbook.com/nxtbooks/coaoc/coa_answers2016
https://www.nxtbook.com/nxtbooks/coaoc/coa_answers2015
https://www.nxtbook.com/nxtbooks/freedom/coa_answers2014
https://www.nxtbook.com/nxtbooks/freedom/seniorguide2013
https://www.nxtbook.com/nxtbooks/freedom/seniorguide2012
https://www.nxtbook.com/nxtbooks/freedom/seniorguide2011
https://www.nxtbookmedia.com