Conversations on the Lake – The lake Merritt – Oakland

October 13th @ 3:30pmben-pic1-240x300
Conversations on the Lake
The Lake Merritt – Oakland

Basslines and Rhythm in Songwriting

Learn about different kinds of basslines, learn to hear the full spectrum of the music you listen to.

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Passages on the Lake

October 12th @ 7:30pm

The Lake Merritt – Oakland
Passages on the Lake

Enjoy this free event in The Terrace Room Restaurant & Bar with a stunning view of Lake Merritt.

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Conversations on the Lake – The Lake Merritt- Oakland

September 29th @ 3:30pmbrexit
The Lake Merritt – Oakland



Conversations on the Lake
Learn what is Brexit and why it happen with Johanna Leonard.

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Family Caregiver Alliance – San Francisco





Click here for more information about their classes and events

(800) 445-8106 toll free, (415) 434-3388
785 Market Street, Suite 750
San Francisco, CA 94103

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Live Music Schedule – The Lake Merritt- Oakland


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How To Talk To Seniors About Reducing Investment Risk


Senior couple with financial adviser. Isolated on white background.

No matter what your age might be, whether you’re young or in your senior years, investment comes with risk. Although this is the case, many still choose to take the risk and see where their investments take them. Some end up doing great while others, not so well. If you are close to a senior who partakes in the investment world or is thinking about joining, there are a few things you’ll probably want to discuss with them in order to ensure that they take the least amount of risk possible while still giving them the option to reap the rewards.

Investing at a young age compared to investing in your retirement

As stated above, all investment comes with risk, but those who invest at a younger age tend to take a lot more risks with their money, whether it be through stocks or real estate or another investment outlet. Generally speaking, taking higher risks when you’re younger is a common way to invest as you’ll have a lot more time to recoup your losses should your investments turn not go well. The same cannot be said for those who invest in their later years. In fact, investments should be low risk and short term. The reason being is that you don’t want to risk a large sum of money in a high-risk investment just to lose it all. If you’re retired and your working days are over, you’ll have no means of re-building your income or savings. Also, deciding to take part in a long-term investment would mean the possibility of never seeing the benefits of your investment.

How to start the investment conversation

Because no one likes to be told what they should or shouldn’t do with their money, it’s best to start the conversation by expressing how you want to make sure that you’re able to help in the best way possible. Once they realize that you’re on their side and not there to direct them, yet rather to assist in the decision-making process, the rest of the conversation should flow rather nicely. Talking points include but are not limited to: types of investment opportunities out there, which of those opportunities make the most sense, how to reap the investment rewards and what to avoid and consider.

Types of low-risk investments

There are a few different types of low-risk investments that seem to be favorable with an older crowd, as well as with all the other age groups. Those investments include bonds, annuities, exchange-traded funds, mutual funds and real estate investment funds. Each of these are different in nature and offer different time-frames and interest rates. Because of this, one may be more suited to your senior compared to the next, making it very much worthwhile to thoroughly research each one before bringing them up in conversation.

Things to consider

Although there are many good investment opportunities out there, not everything is as it seems. Unfortunately, seniors are one of the main targets for scams, meaning that you’ll have to be extra careful if your family or friends decide to go through an investment banker or ad. A key is to never invest in high return, guaranteed schemes. These are most likely fake investments.

Another thing to consider is how much wealth is already in place. If your senior friend or family member has already accumulated a nice retirement and savings from working or previous investments, it might be wise to avoid new investments altogether. Sometimes, it’s just not worth it to risk your current financial state, especially if you’re living well and should continue to throughout the rest of your life.

At, we are dedicated to helping you and your family ease the search for just the right In-Home Care provider, community, product or service! For more information and to use our Search, Sort and Match ™ tool, please visit our website or call us at 877-243-8073.

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Angels by the Bay – San Rafael

Marin Center



The Marin Center for Independent Living is presenting 31st Annual Angels by the Bay.

Please join them to celebrate their 37 years service to Marin County residents.

Please click here to see more information and to purchase a ticket.

Saturday, October 1, 2016
Meadow Club, Fairfax

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31st Annual Marin Senior Information Fair – San rafael

31st Annual Marin Senior Information Fair – San Rafael
Marin Senior Fair

This is a free, fun and educational event. Please click here to see information about fair history, sponsors, volunteering, exhibitors, fair highlights and much more…

Free Admission
Marin Exhibit Hall
10 Avenues of the Flags
San Rafael


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Open House at AgeSong Laguna Grove


AgeSong AgeSong at Laguna Grove

624 Laguna Street, San Francisco CA 94102
July 26th @ 11:00 am – 2:00 pm

Open house at Laguna Grove  indulge in cool delicious drinks at their Italian Soda Bar Social

For more information contact Colleen at or Sally at

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Art History Series – The Lake Merritt Oakland

Ed Rushka Exhibit






August 11th @ 3:30pm
Conversations on the Lake -Art History Series
The Lake Merritt – Oakland
Learn more about “Ed Ruscha and the Great American West” exhibition.

For more information call 877-243-8073


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