USA > California > Alameda County > Alameda > Husted's Oakland, Alameda and Berkeley directory, 1897 > Part 1
USA > California > Alameda County > Berkeley > Husted's Oakland, Alameda and Berkeley directory, 1897 > Part 1
USA > California > Alameda County > Oakland > Husted's Oakland, Alameda and Berkeley directory, 1897 > Part 1
Note: The text from this book was generated using artificial intelligence so there may be some errors. The full pages can be found on Archive.org.
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W& Smith
PATHIES
FIRE MARINE FUND
FIRE
INSURANCE COMPANY.
SAN FRANCISCO, CAL.
CAPITAL. S1.000,000.
ASSETS, $3.500.000
Home Office, 401 to 407 California Street.
Perrier-Jouet & Co.'s Champagne Dawson's "Perfection" Scotch Whisky Coates & Co.'s Celebrated Plymouth Gin SOLE AGENT FOR PACIFIC COAST W. B. CHAPMAN, 123 California St. SAN FRANCISCO.
R. HI. MAGILL & SON GENERAL INSURANCE AGENCY Representing the Alameda and Contra Costa Chlisty Branch of the
THURINGIA INSURANCE COMPANY OF ERFURT, GERMANY Cipitat. 54,250,000. Assets, $10.954.248-38
OFFICE: 1008 BROADWAY, Telephone 548 OAKLAND, CAL
MUTUAL BENEFIT
LIFE INSURANCE CO. OF NEWARK, N. I.
Assets January ist, 1897 - - OVER $60.000,000 LABDEST AVERAGE DIVIDENDS AVAILABLE SECUND YEAR FULL PARTICULARS HERMIT BROWSEN PAGES :40 8IN1 341. JAMES NOUSALL JR
H. P. MOREAL & CO
BAROAING IN REAL ESTATE, HOUSES TO LET MONEY TO LOAN
BICYCLES
C. F. SALOMONSON,!
FOWLER And MON.
Established 1879 Incorporated 1893
Telephone Main 868
California +
+ Art Glass Bending and Cutting Works
EUREKA.
103 and 105 mission Street, Cor. Spear St. San Francisco, Cal.
Wm. Schroeder, President.
Staining, « Beveling, « Embossing, « Crystallizing,
Received Gold Medal at midwinter Fair 1894
O
W. P. Fuller & Co.
PAINTS
Importers and
Wholesale Dealers in
OILS
AND WINDOW GLASS
Proprietors, PIONEER WHITE LEAD AND COLOR WORKS, San Francisco
MANUFACTURERS
OF Pioneer White Lead Pure Mixed Paints Pure Colors in Oil and Japan Lubricating Oils French Plate Mirrors (Plain and Beveled)
Sole Agents, French and Belgian Plate Glass Companies
17=19=21=23 Front St., San Francisco, Cal.
New York Office-93 NASSAU STREET
Branches : Sacramento, Oakland, Los Angeles, San Diego, Stockton, Portland, Or .; Seattle, Wash.
.
[ 3 ]
First in News First in Circulation and First in the Homes of Oakland
The Tribune (Daily and Weekly)
WITH FULL ASSOCIATED PRESS DISPATCHES HAS MORE FEATURES, MORE CIRCULATION AND MORE ADVERTISING PATRONAGE THAN ALL OTHER OAKLAND PAPERS.
The Saturday Tribune contains
Arthur McEwen's Letter
Latest London and New York Social and Political News by Telegraph The " Meddler's " Social Resumé "Our Puzzle Box"-a Department of Amuse- ment and Instruction for Young and Old.
Intelligent Editorials and all the Local News
THE TRIBUNE PUBLISHING COMPANY
415, 417, 419 EIGHTH STREET, OAKLAND
Printing and Binding done in our own offices at reasonable rates. We have one of the most complete Printing and Book Binding establishments on the Pacific Coast.
[ 4 ]
NINTH STREET
L IVERY S TABLE
N. P. DANN. Proprietor
First=Class Single and Double Tournouts
LADIES' DRIVING HORSES A SPECIALTY
HORSES BOARDED AT REASONABLE RATES
Ninth Street, between Clay and Jefferson
- OAKLAND, CAL.
[ 5]
E
S. C. BIGELOW, President ARTHUR A. SMITH, Vice-President
CYRUS W. CARMANY, Cashier and Secretary, EDWIN BONNELL, Asst. Cashier
Savings and Loan Society
101 MONTGOMERY STREET CORNER OF SUTTER STREET
(FORMERLY 619 CLAY STREE .)
San Francisco, California
The Oldest Incorporated Savings Bank in the State
GUARANTEED CAPITAL,
$1,000,000
Capital Stock paid up in Gold Coin, Reserve Fund,
$750,000 00
175,000 00
$925,000 00
DIRECTORS :
S. C. BIGELOW
HORACE DAVIS G. E. GOODMAN A. N. DROWN
ISAAC HYDE
ARTHUR A. SMITH F. H. WOUDS E. C. BURR
WILLIS E. DAVIS
Loans made at lowest rates on approved collaterals and on City and Country Real Estate Term and Ordinary Deposits received.
OFFICE OAKLAND GAS, LIGHT AND HEAT CO. N. W. COR. THIRTEENTH AND CLAY STS.
TO THE PUBLIC :
OAKLAND, CAL., December Ist, 1896.
We want to interest you in the matter of Gas Stoves. We can sell you a stove which will do all your cooking, for a less sum than you can buy either a wood or a coal stove, and the price of gas will make it cost you less per month than any other fuel you can buy.
You must have heard of the stoves from your neighbors for more than 1000 are in use in this territory.
They boil, roast, broil and fry. They don't heat the kitchen. They are clean.
If you use 1000 feet a month you get gas at $1.75 per thousand. We sell a stove for $12.00 placed in your house, and you are instructed in its care and management. It don't cost you anything for all time to keep it in repair and condition, as we do that for you free of expense,
We have stoves with waterback attachments, and a variety of patterns of stoves ranging in price from $12.00 upwards.
We trust that you will find time to call and investigate the conveniences and advantages attending the use of gas for fuel. Heating stoves of all kinds from $1.50 upward.
Yours very respectfully, JOHN A. BRITTON, Secretary.
[ 6]
The German Savings And Loan Society
526 CALIFORNIA ST.,
SAN FRANCISCO
Capital actually paid up in cash . $ 1,000,000 00
Deposits December 3 Ist, 1895 30,727,586 59
Reserve Fund 715,000 00
Guaranteed Capital
1,200,000 00
OFFICERS.
President B. A. BECKER
First Vice-President EDWARD KRUSE.
Second Vice-President DANIEL MEYER.
Cashier . A. H. R. SCHMIDT
Assistant Cashier WM. HERRMANN
Secretary GEORGE TOURNY
Assistant Secretary A. H. MULLER
BOARD OF DIRECTORS.
B. A. Becker
Edward Kruse
Daniel Meyer
H. Horstmann
Ign. Steinhart
Emil Rohte
H. B. Russ
Nic. Van Bergen D. N. Walter
ATTORNEY W. S. GOODFELLOW
[ 7 ]
San Francisco Savings Union
539 CALIFORNIA STREET.
Deposits June 30, 1896 -
$23,657,219. 00
1,594,085 00
Paid Up Capital and Surplus
ALBERT MILLER, President.
E. B. POND, Vice-President
LOVELL WHITE, Cashier.
BANK
UBIÊN PHOTO IKKE M
DIRECTORS :
George W. Beaver, Philip Barth, George C. Boardman,
W. C. B. De Fremery, Thomas Magee, Albert Miller,
Daniel E. Martin, E. B. Pond, Robert Watt.
Loans upon San Francisco and Oakland real estate, and farms and farming lands in the country.
Receives deposits. Country remittances may be made in checks, payable in San Fran- cisco, Post Office or Wells, Fargo & Co.'s money orders, or coin by express, but the responsi- bility of this Bank commences only with the receipt of the money. No charge is made for pass-book or entrance fee.
OFFICE HOURS-9 a. m to 3 p. m., and Saturday evenings, for receipt of deposits only, 6:30 to & o'clock.
[ 8]
1896
THE
1845
Mutual Benefit Life
INSURANCE CO. OF NEWARK, N. J.
AMZI DODD, President.
ASSETS (January 1, 1896.)
$58,269,197.06
DIVIDENDS Paid Policy Holders Since
Organization $46,908,415.37
of Surplus. Large Dividends Payable at the
ANNUAL DISTRIBUTION End of the First and each Succeeding Year
Advantages Guaranteed in the New Policy.
AFTER SECOND YEAR
A Liberal Cash Surrender Value. Cash Loans made up to the Cash surrender value, on Assignable Policies. Policies ABSOLUTELY NON-FORFEITABLE and INCONTESTABLE.
A DOLLAR'S WORTH OF INSURANCE FOR EVERY DOLLAR
Members unable to Continue Payments do not forfeit their Policies,
insurance Continued until FULL VALUE of Policy is Exhausted. See Example on Page 7.
SPECIMEN POLICIES FURNISHED ON DEMAND
The Best Contract Ever Offered. See strong points and premium rates on following pages.
JAS. MUNSELL, JR., Manager, 415 Montgomery Street, San Francisco, Cal.
Residence: No. 1665 Webster Street, Oakland, Cal.
THE NEW POLICY OF THE
Mutual Benefit
Life Insurance Company
IS UNEQUALED IN ITS ADVANTAGES TO THE
POLICY HOLDER,
WHICH ARE NOT COMBINED IN THE POLICIES OF ANY OTHER COMPANY.
Large Annual Dividends, which may be used in Cash Reduc- tion of Premiums, or applied to the purchase of paid-up participating Insurance payable with the Policy.
Equitable Surrender Values which are indorsed on the Policy, so that the insured can stop paying Premiums without loss by for- feiture.
1. A Liberal Cash Surrender Value.
2. "Extended Insurance in the full amount of the Policy for as long a period as the value of the Policy will pay for at low term rates.
3. A Paid-up Policy for a reduced amount payable when- ever death occurs.
Cash Loans are made up to the Cash Surrender Value when a satisfactory assignment of the Policy is made as collateral security. The Insured may thus prevent the lapse of the Policy if he happens to be short of funds ; or he may secure a cash loan to meet any sudden emergency.
If the insured forgets to pay a Premium on the day it is due, his insurance is continued in force by the Company without action on his part. If he is well, he has three years' time in which to revive the Policy by payment of arrears of Premiums with interest; while if he is sick, or unable to pay the Premium, he is protected by his Extended Insurance.
See example of a lapsed Policy extended and paid in full in Alameda, Cal., on 7th page of this Circular.
Policies are Incontestable after the Second Year.
See Illustration, Opposite Page.
2
ILLUSTRATION
OF THE
SPECIMEN TABLE INDORSED
ON A $10,000 POLICY, Issued on the Ordinary Life Plan, at Age 35.
PREMIUM $260.
AT END OF YEAR.
GUARANTEED CASH SURRENDER OR LOAN VALUE.
IN CASE OF LAPSE OF POLICY.
EXTENDED INSURANCE.
PAID-UP POLICY.
YEARS.
DAYS
2d
$ 100 40
2
32
$
540
3d
206 70
3
64
810
4th
317 20
4
104
1,080
5th
432 00
5
146
1,340
6th
551 20
6
179
1,610
7th
675 00
7
194
1,870
8th
803 40
8
180
2,140
9th
936 60
9
I35
2,400
Ioth
1,074 50
IO
46
2,660
IIth
1,217 20
IO
286
2,910
12th
1,364 60
II
I24
3,160
1 3th
1,516 70
290
3,410
14th
1,673 40
-I2
59
3,660
15th
1,834 30
I2
163
3,900
20th
2,695 90
I2
319
5,020
25th
3,630 80
I2
65
6,000
30th
4,599 IO
IO
328
6,820
35th
5,549 00
9
139
7,490
40th
6,431 70
7
264
8,020
On other Plans the Value and Extension are very much greater.
Annual Dividends Allowable in Cash Reduction of Premiums.
Future dividends cannot be guaranteed, but on the basis of the dividends payable in 1896 the Cash Premium the second year would be about $211.00, with probable decrease in subsequent years.
SEE ACTUAL RESULTS OF OLD POLICIES ON FOLLOWING PAGES.
3
ACTUAL RESULTS
OF POLICIES IN THE Mutual Benefit Life Insurance Co. of Newark, N. J.
Record of Policy No. 81,437.
Issued in 1875, at age 40, for $10,000-Ordinary Life Plan.
Annual Premium, -
$308.40
21 Full Premiums, $6,476.40
Dividends to Date, 1,722.50
Paid by Insured, - $4,753.90
The Cash Surrender Value of the Policy at the end of the 21st year is $3,481.80; making the Actual Cost of the Insurance, $1,272.10, or $6.06 per year for each $1,000 of Insurance.
Paid-up Policy Value, $5,630. Extended Insurance Value, 10 years, 314 days.
Record of Policy No. 81,420.
Issued in 1875, at age 30, for $5,000-20 Payment Life Plan.
Annual Premium, $151.35 -
20 Full Premiums, - - $3,027.00
Dividends to Date, -
789.05
Net Cost to Date, -
$2,237.95
The Cash Surrender Value of the Policy at the end of the 21st year is $2,158.45 ; making the Actual Cost of the Policy $79.50, or $0 78 per year for each $1,000 of Insurance.
4
ACTUAL RESULTS
OF POLICIES IN THE
Mutual Benefit Life Insurance Co. of Newark, N. J.
Record of Policy No. 81,784.
Issued in 1875, at age 40, for $10,000-10 Payment Life Plan.
Annual Premium, $589.40 -
Io Full Premiuins, $5,894.00
Dividends to Date,
1,837.50
Net Cost to Date, -
$4,056.50
The Cash Surrender Value of the Policy at the end of the 21st year is $5,605.90; the result being that the Insured would receive $1.38 for each $1.00 paid, besides having had 21 years' Insurance for $10,000.
Record of Policy No. 82,903.
Issued in 1875, at age 30, for $5,000-20 Year Endowment Plan.
Annual Premium, - - - $242.40
20 Full Premiums, - - $4,848.00
20 Dividends, - 1,159.30
Net Cost,
$3,688.70
The Insured receives $1.36. for each $1.00 paid, besidc having had 20 years' Insurance for $5,000.
5
Net Cost and Present Value of Policies Issued at Various Times
SINCE ORGANIZATION
1845. STEPHEN P. LEEDS of San Francisco, Cal., policy No. 151, issued in 1845, at age 32, for $2,000, annual premium $50. Total premium to date, $2,550, and total dividends, $1,419.10; making a net cost of $1,130.90. The Company would now extend Mr. Leeds' insurance for 4 years and 331 days without further payment, thus giving over 55 years' in- surance at an average annual cost of $10.11 per thousand. The Company will now issue a paid-up Policy for $1,7 46, or allow, in cash for the surrender of the Policy $1,559.42, which is $428.52 more than the net cost of the Policy. Net cost of Policy in 1895-$15.70. See detailed statement, opposite page.
1855. JOHN WEEKS insured at Buffalo, N. Y., in 1855, policy No. 10,852, age 33, for $5,000, annual premium $128.50. Total premiums to date, $5,268.50, and total dividends, $2,583.80, making a net cost of $2,684.70. The Company would now extend Mr. Weeks' insurance 8 years and 68 days from December 1, 1895, without further payment-thus giving nearly 49 years' insurance at an average annual cost of only $10.91 per thousand, or allow a cash surrender value of $3,163.30, which is $478.60 more than the net cost of the Policy, or a paid-up Policy for $4000 would be allowed if desired. Net cost of Policy in 1895 -- $54.85.
1865. JUDGE CHARLES H. BELKNAP of Carson City, Nevada, policy No. 30,070, issued in 1865, at age 23, for $5,000, annual premium $96.50. Total premiums to date, $2,991.50, and total dividends, $1,189.46; making a net cost of $1,802.04. The Company would now extend Judge Belknap's insurance 15 years and 217 days, without further payment, thus giving over 46 years' insurance at an average annual cost of only $7.73 per thousand, or the Company would now allow a paid-up Policy of $3,065, or a cash surrender value of $1,648.40. Net cost of Policy in 1896-$51.65.
1875. HON. GROVER CLEVELAND, insured at Buffalo, N. Y., policy No. 81,166, issued in 1875, at age 38, for $5,000, annual premium $143.70. Total premiums to date, $3,017.70, and total dividends, $800.90; making a net cost of $2,216.80. The Company would now extend President Cleveland's insurance 11 years and 238 days' without further payment, thus giving over 32 years' insurance at an average annual cost of only $13.58 per thousand, or the Company would now allow a paid-up Policy of $2,735, or a cash surrender value of $1,617.65. 'Net cost of Policy in 1895-$95.85.
NOTE-In some of the above cases the Company has made loans on the policies, which would have to be paid off before the full value named could be allowed.
6
t
EXAMPLE OF AN ORDINARY LIFE POLICY
No. 151, issued in 1845, for $2,000, at age 32. Life of Stephen P. Leeds, of San Francisco. Contract Premium $50. annually, during life. Dividends allowed in reduction of Premiums.
YEAR. DIVIDEND.
COST OF POLICY.
YEAR. DIVIDEND.
COST OF POLICY.
YEAR.
DIVIDEND.
COST OF POLICI.
I845
$50 00
1862
$22 50
$27 50
IS79
$43 66
$6 34
IS46
50 00
IS63
22 50
27 50
IS80
44 84
5 16
IS47
50 00
1864
25 00
25 00
188I
46 00
4 00
1848
50 00
1865
25 00
25 00
1882
31 90
18 IO
1849
$17 50
32 50
IS66
25 00
25 00
IS83
25 So
24 20
IS50
17 50
32 50
1867
25 00
25 00
1884
26 80
23 20
1851
I7 50
32 50
I868
*50 00
1885
27 80
22 20
IS52
15 00
35
1869.
25 00
25 00
1886
29 54
20 46
1853
16 00
34 00
1870
25 00
25 00
1887
30 04
19 96
IS55
17 50
32 50
1872
35 50
14 50
1889
32 40
17 60
1856
17 50
32 50
1873
37 00
13 00
1890
32 90
17 IO
1857
17 50
32 50
1874
38 00
I2 00
I891
33 40
16 60
1858
7 50
32 50
1875
*76 00
1892
33 90
16 I
1859
17 50
32 50
1876
40 00
10 00
1893
34 40
15 60
1860
17 50
32 50
1877
41 24
8 76
1894
34 90
15 10
1861
20 00
30 00
1878
42 44
7 56
1895
34 30
15 70
$1419 10
Contract Premiums for 51 years
$2,550 00
Reductions by Dividends
1,419 IO
Actual Cost or Net Amount of Premiums paid $1, 130 90 *Two Years' Dividends.
SEE CONDENSED STATEMENT OF PRESENT VALUES ON OPPOSITE PAGE.
All Policies Absolutely Non-Forfeitable After Second Year.
Example of Lapsed Policies Paid in Full.
Policy No. 17,235, on the life of Dr. Edward P. Gaylord of Alameda, Cal , was issued in 1862, at age 28, for $2,250, with an annual premium of $50.40. He paid 27 premiums, amounting to $1,360.80, which, less dividends, $556.61, and premium loan of $123.79 (canceled), made a net payment or cost of $680.40, exclusive of interest. He did not pay the premium due in May, 1889; but instead of taking a paid-up policy for $1,071, he allowed his insurance to be extended for 12 years and 87 days, making in all 39 years and 87 days' insurance at an average yearly cost of only $7.71 per thousand.
Dr. Gaylord died in September, 1895, more than 6 years after the lapse of the policy, which, however, was promptly paid in full by the Company.
7
1854
17 50
32 50
1871
*63 50
I888
31 84
18 16
THE MUTUAL BENEFIT LIFE INSURANCE CO.
LIFE POLICIES
PAYABLE AT DEATH ONLY.
Age Annual
Semi- Annual
Quar- terly
IO Prem's
20 Prem's
10 Years
21
$17 87
$9 29
$4 74
$39 39
$25 36
$46 75
464 46
$103 II
22
18 27
9 50
4 84
40 09
25 81
46 92
64 65
103 23
23
18 70
9 72
4 96
40 82
26 29
47 IO
64 86
103 35
24
19 14
9 95
5 07
41 58
26 79
47 27
65 07
103 47
25
19 60
10 19
5 19
42 37
27 31
47 46
65 30
103 60
26
20 10
IO 45
5 33
43 20
27 86
47 64
65 53
103 71
27
20 64
IO 73
: 47
44 05
28 42
47 85
65 73
103 86
28
21 20
11 00
5 61
44 94
29 01
48 04
65 95
104 04
29
21 78
II 32
5 77
45 86
29 63
48 28
66 21
104 17
30
22 36
11 63
5 93
46 83
30 27
48 48
66 43
I04 33
31
23 00
II 96
6 10
47 84
30 95
48 75
66 71
104 40
32
23 70
12 32
6 28
48 88
31 66
49 00
66 93
33
24 42
12 70
6 47
49 97
32 39
49 28
67 20
104 75
34
25 18
13 09
6 07
51 II
33 16
49 56
67 53
104 98
35
26 00
13 52
6 89
52 28
33 97
49 87
67 80
105 18
36
26 86
13 99
7 12
53 5I
34 82
50 19
68 15
105 35
27 76
14 44
7 36
54 79
35 71
50 52
68 50
105 51
28 74
14 95
7 62
89
57 51
37 62
51 35
106 00
40
30 84
16 04
8 17
58 94
38 65
51 85
69 63
106 29
4I
32 00
16 64
8 48
60 49
39 73
52 35
70 07
Io6 64
42
33 24
17 28
8 83
62 II
40 88
52 88
70 51
107 00
43
34 56
17 97
9 16
63 79
42 09
53 57
71 05
IO7 41
44
35 94
18 69
9 52
65 54
43 37
54 22
71 65
107 92
37 42
19 46
9 92
67 38
44 73
55 00
72 29
108 39
39 00
20 28
IO 34
69 28
46 16
55 89
72 94
109 00
40 70
21 16
IO 79
71 29
47 68
56 77
73 70
109 70
48
42 50
22 10
II 26
73 38
49 30
57 83
74 57
IIO 44
49
44 46
23 12
11 78
75 56
51 03
58 93
75 54
III 16
50
46 50
24 18
I2 32
77 83
52 86
60 20
76 53
112 10
5x
48 70
25 32
12 91
80 21
54 81
61 59
77 67
113 16
52
51 04
26 51
13 53
82 69
56 88
63 13
78 86
114 28
53
53 54
27 84
14 19
85 27
59 10
.64 83
80 26
115 50
54
56 20
29 22
14 89
87 98
61 46
66 70
81 77
116 82
55
59 06
30 71
15 65
95 80
64 00
68 76
83 42
118 23
56
62 Io
32 29
16 46
93 74
66 72
71 04
85 23
119 77
65 34
33 98
17 32
96 84
69 62
73 53
87 24
121 49
57 58
68 82
35 79
18 24
100 09
72 74
76 28
89 45
123 34
59
72 54
37 72
19 22
IC3 49
76 IO
79 29
9' 90
125 36
60
76 52
20 28
107 09
79 71
82 60
94 50
127 59
65
101 08
26 79
128 37
102 49
112 77
142 41
70
135 78 |
70 61
35 98
157 21
136 12
Rates for all kinds of Life Risks furnished, payable Annually, Semi- Annually or Quarterly in Cash, or a portion by a Loan Certificate
Percentage of Dividends Payable in 1896.
This table is for Policies where all dividends
have been allowed in reduction of current
increased by dividend additions, the current
|Year of Issue
ACE AT ISSUE
KIND OF POLICY
30
40
50
60
[ 1845 69 6 69 6 69.6 69.6
Life,
Annual
1865 46 . 5 46 5 46.5 46.5
1875 32 . 9 34 . 5 34 . 3 31.9
( 1895 19 . 1 18 . 5.18.3 18 8
Life,
20 Premiums
( 1895 16 . 0 16.3 16 918.I
Life,
(1886 19 . 7 20 3 21.2 21.5
10 Premiums
21895| 11 . 9 12 . 3 13 .6 15.3
Endowments,
51875 33.0 33 .2 31.8.
20 Years. . .
¿ 1895 11 . 8 13 . 7 15 .7 . . ..
Endowments,
SISSI | 24 .7 25 8 26 0.
15 Years.
(1895| 9 5 11 . 4 13 6 ..
-
415 Montgomery Street,
RESIDENCE : NO. 1665 WEBSTER STREET, OAKLAND, CAL.
8
SAN FRANCISCO, CAL.
Of Newark, New Jersey.
PREMIUMS AND DIVIDENDS.
PREMIUM RATES FOR AN INSURANCE OF $1.000.
ENDOWMENTS Payable as indicated or at death:
20 Years
15 Years
Where policies have been
dividends are larger.
premiums .
Endowments, 10 Years. .
(1886 19 1 19 5 20 5 21 .7
(1895| 9 8 10 . 5 12 3 15 5
Total Premiums Collected from Members,
to January 1, 1896. $168,949,576 60
Total Dividends Paid Members. .$46,908,415 37
AND THEREFORE
To such as desire Ordinary Life Insurance with the least possible cash outlay, the Company offers the privilege of the PREMIUM LOAN PLAN.
Under this plan the Company agrees to accept a uniform cash premium of either 70, 75 or So per cent of the full rate, the remaining portion being a loan on the Policy_till paid by dividends or otherwise.
165 93
7
56 12
36 64
50 93
68 86
105 74
39
29 76
15 48
69 25
104 59
(1876 32 . 7 33 .5 32.5 29.2
1886|22 .3 22 .9 23.7 24 3
..
37 38
45 46
47
SEVERAL SOLICITING AGENTS, MALES OR FEMALES, DESIRED IN OAKLAND AND ALAMEDA COUNTY.
JAS. MUNSELL, JR., Manager,
| 1855 58 . 5 58-5 58.5 58.5
39 79 52 56
HUSTED'S
OAKLAND, ALAMEDA
-AND-
BERKELEY
DIRECTORY
Giving Name, Occupation and Residence of all Adult Persons
TOGETHER WITH A
Classified Business Directory and Street Guide
1897
FOR SALE BY M. S. SMITH & SONS STATIONERS
1154-1158 Broadway
Oakland, Cal.
Oakland Office -
420 Tenth Street
San Francisco Office - - 530 California Street
OAKLAND, CAL., ENQUIRER PUBLISHING CO. 1897.
Or 4 1897
M. S. SMITH & SONS
BOOKS, STATIONERY, SCHOOL SUPPLIES 1154-1158 Broadway Telephone 613 Oakland, Cal.
-EIGHTEEN YEARS AT- CASH GROCERY STORE Junct. of SEVENTEENTH & PERALTA STS
TABLE OF CONTENTS.
PAGE.
Miscellaneous Information of Oakland
13 to 58
Street Guide. 59 to 80
Alphabetical List of Names of Oakland. 83 to 495
Alphabetical List of Names of Alameda 509 to 593
Alphabetical List of Names of Berkeley. 609 to 685
Classified Business Directory 687 to 755
Representative Business Houses of San Francisco. 757 to 764
WALSH & O'BRIEN
2765
SAN FRANCISCO LAUNDRY OFFICES San Francisco, 33 Geary SL Oakland, 866 Broadway
AYDELOTTE'S BUSINESS COLLEGE,
Shorthand Course, Six Months, $60.
Y. M. C. A. Building, Oakland, Cal.
LIST OF ADVERTISERS. .
PAGE.
Alameda Daily Encinal.
opp. 508
Alameda Livery Stable. 508
Lewis, Walter F opp. 265
Atmospheric Renovating Co. 95
Lewis, W. S. & Co 765
Aydelotte's Business College. . Top lines Lloyd, H. J. 766
Belasco & Co
Bottom lines
Loryea, Dr
767
Benson, H. M. Co. 741
Blake, Moffitt & Towne .Top lines
Blow, A. H.
.Top lines
Meyer & Akmann .. 764
Moise, L. H ..
769
Moreal, H. P. & Co Front cover
Boone's Patent Agency. 758 |Moss, J W. Bottom lines
Breed, A. H. & Co Top lines , Mutual Benefit Life Insurance Co.
Brocklehurst, N. B.
Bottom lines
Brown Phosphate Co
opp. 126
Cahill, James, & Co ..
Top lines
Cal. Art Glass B. & C. Works
2
Cal. Electrical Works
709
Cal. Nursery Co.
769
Card, E. F.
I38
Chamberlain, R. H
Back cover and top lines
Clark, N. & Sons
Bottom lines
Dann, N. P. 5
de Young, M. H. Side lines
Dixon, Borgeson & Co 763
Dunham, Carrigan & Hayden Co ..
Bottom lines
Enterprise Bottling Co
Side lines
Enquirer.
opp. 194
Fireman's Fund Insurance Co ..
Front cover
Fuller, W. P. & Co. 3
Galindo Hotel.
Bottom lines
German Savings and Loan Society ... 7 Gier, Theo Co. Backbone
Globe-MacCabe Co. 760
Golden State and Miners' Iron Wks.
Side lines
Goodban, F. E.
732
Goodman, Geo.
688 and
701
Gwyer, Dr. Mrs. 768
Hallahan, M. C., Miss. 236
Heald's Business College
Backbone and opp. 372 Holbrook, Merrill & Stetson
.Bottom lines Hunter, R. D. & Co. 264 Hus, M. P. 264
Klein, J. M., Electrical Works
Bottom lines
Kitchener, R. S.
.opp. 287
Knox Collection Agency.
.opp. 701
GALINDO HOTEL"
The Leading and largest More] ~ in Oakland. ~ 8thSt. bet Broadway.franklin St
COAL
JAMES P. TAYLOR
Wellington
Only Genuine
Sole Agent Dunsmuir's Original and
Coal
Offices, 455 Ninth St., Oakland, and 1507 Park St., Alameda, Yard, Foot of Franklin St.
FOREIGN AND DOMESTIC WHOLESALE AND RETAIL
National Bottling Co
355
Nevada Stables
358
Ninth Street Stable 5
Oakland Bottling Co Bottom lines
Oakland Enquirer Pub. Co ....... opp. 194 Oakland Gas, Light and Heat Co ... 6
Oakland Laundry Co.
.Side lines
Pacific Dyeing and Cleaning Works 708 Piedmont Paving Co. 702
Reuss, N. P.
Side lines
Rigney, N. E
358
Robinson & Co
Side lines
Robinson, M. C., Mrs
Bottom lines
i Rutley, Byron
Bottom lines
S. F. Breweries
Front stencil edge
S. F. Chronicle ..
Side lines
S. F-Laundry Association
Side lines
S. F. Savings Union 8
Salomonson, C. F.
Front cover
Savings and Loan Society. 6
Shreve & Co.
762
Smith, M. S. & Sons Top lines
Smyth, W. H.
Front cover
Snyder, A. J. & Co. Top lines
Spalding, E. B.
.opp. 127
Spaulding, J. & Co 708
Sperry Flour Co
Top lines
Stora, J. C., Mrs.
474
Students' Wood Yard. 446
Taylor, Henry W., Lumber Yd. Side lines
Taylor, Jas. P.
Side lines
Todd, Wm. P
Backbone
Travers, J. W
opp. 508
Tribune Publishing Co. 4
Trinity School
opp. 127
Union Photo Engraving Co.
760
Walsh & O'Brien.
Side lines
Weber House
474
PAGE.
Lehnhardt, Emil.
Side lines
Magill, R H & Son. Front cover
Martin & Crowe 508
Blow & Thomson.
.Top lines
Boek & Kirchner. 355
Front cover and opp. 340
II
A.J. SNYDER & Co
REAL ESTATE AND INSURANCE AGENTS 467 9th ST. OAKLAND
OFFICE
690 Twenty-ninth Street OAKLAND, CAL.
Telephone 816
r. CALOU, President J. H. EGAN, Vice Pres.
(INCORPORATED)
Oakland Laundry Co.
F. M. HUSTED
DIRECTORY PUBLISHER.
Oakland, Alameda and Berkeley Directory Office, 958 Broadway, Oakland,
Sacramento City and County Directory Office, 1007 Fourth Street, Sacramento.
San Jose City & Santa Clara County Directory Office, 12 North Second Street, San Jose.
Stockton City, San Joaquin County Directory Office, 428 Main Street, Stockton.
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