Council on Aging Answers 2016 - 70

Always Read the Small Print

FINANCE & LEGAL

COUNCIL ON AGING - ORANGE COUNTY

Be sure to read the small print before you sign a contract and buy a product or service---or you might not
understand what you are purchasing. Research and
compare pricing and conditions before you fall for the
LARGE PRINT!
Small print is often used to meet disclosure requirements, but frequently contains the details of unfavorable
terms or conditions. Though the truth is technically
"available", you may have to do careful research to find
it.
Small print often contradicts larger print in ads, such
as when an ad says "pre-approved" but the small print
says "subject to approval." In pharmaceutical ads, small
print often contains serious health warnings. Small
print in television ads is designed to be overlooked, since
it is briefly displayed at the bottom of the screen and is
difficult to understand.
Small print is used to hide important elements, such
as when an offer is available under terms and conditions
that are nearly impossible to meet, or that a company
reserves the right to change provisions of an offer.
CREDIT: A credit card may advertise "0"percent interest, but the small print may reveal this will apply only
for a few months. After the introductory period, the

interest rate may steeply increase, and rise even higher if
you ever make a late payment.
FREE TRIALS: Free offers and "free trials" are frequently misleading. Small print may reveal expensive
shipping, handling and processing fees, and that the
product will be automatically shipped to you if you do
not unsubscribe. Check your bills to make sure you are
not charged for products you are not willing to buy.
WARRANTIES: Warranties for many costly items,
such as cars or computers, may seem to cover likely
malfunctions. But the small print may reveal that regular maintenance and most common major repairs are
excluded.
CELL PHONES: Cell phone ads may offer "low
monthly cost" but the small print may reveal extra fees,
taxes, and costly additional services such as texting. Cell
phone contracts commonly lock you in for two years
and are usually expensive to cancel. The contract may
automatically renew if you upgrade phone equipment or
don't cancel the contract within a short time frame.
Reprinted from the CA Department of Business Oversight. For additional information call 1-866-275-2627 or
visit www.dbo.ca.gov

Free Tax Return Preparation is Available
The IRS sponsors two community based programs
- Tax Counseling for the Elderly (TCE) and Volunteer
Income Tax Assistance (VITA), offering FREE tax help
to qualifying taxpayers. Tax preparation services are
provided by trained, IRS-certified volunteers at many
locations throughout Orange County.
TCE: AARP Foundation offers TCE, through their
Tax-Aide Program, which provides free tax help to lowand moderate-income taxpayers, especially those 60 and
older. In Orange County, tax help is generally provided
at senior centers. To locate a Tax-Aide site near you, visit
the AARP website at www.aarp.org/taxaide or call the
toll-free number 1.888.AARP.NOW (1.888.227.7669)
from late January to April 15. You may also call your local senior center for program information and appointment availability.
70

Answers Guide 2016	

VITA: Orange County United Way partners with the
Internal Revenue Service (IRS) and nonprofits, to offer
you free tax help. Tax preparation services are provided
by trained, IRS-certified volunteers in a number of languages, including English, Spanish, and Vietnamese.
Volunteers are trained to prepare basic federal and
California state income tax returns only. Your income
must be less than $60,000. Free tax sites are open from
January through April. Tax sites are located at various
nonprofit organizations, schools, and community centers throughout Orange County. Call 1.888.434.8248
(beginning January 1) for site locations and hours of
operation.
You can also locate the nearest TCE or VITA site
using the site locator tools at www.irs.gov, or call
1.800.906.9887.

COUNCIL ON AGING - ORANGE COUNTY IS A 501 (C)3 NONPROFIT CORPORATION.
TO DISTRIBUTE
ANSWERS FREE OFResource
COST, WE MUST SELL
ADVERTISING SPACE.| WHILE
WE APPRECIATE THE PAID
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Aging
and Disability
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| www.adrcoc.org
INCLUSION DOES NOT IMPLY A RECOMMENDATION OR ENDORSEMENT OF PRODUCTS OR SERVICES BY COAOC. ALWAYS BE A VIGILANT CONSUMER. VERIFY INFORMATION AND SEEK REFERENCES WHERE APPROPRIATE.


http://www.dbo.ca.gov http://www.aarp.org/taxaide http://www.irs.gov

Table of Contents for the Digital Edition of Council on Aging Answers 2016

Contents
Council on Aging Answers 2016 - Intro
Council on Aging Answers 2016 - Cover1
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