USA > California > Alameda County > Alameda > Husted's Oakland, Alameda and Berkeley directory, 1896 > Part 85
USA > California > Alameda County > Berkeley > Husted's Oakland, Alameda and Berkeley directory, 1896 > Part 85
USA > California > Alameda County > Oakland > Husted's Oakland, Alameda and Berkeley directory, 1896 > Part 85
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" Lorenzo, driver, r 1309 Bueno Vista av
" Lorenzo, gardener Perata Bros, r Buena Vista av cor Benton
" Nicolo, gardener Perata Bros, r Buena Vista av cor Benton
" Pietro, driver, r 1309 Buena Vista av
" Tomaso, gardener, r 1309 Buena Vista AV
Zurn Fredk M, bkkpr S F, r 1516 Rail- road av
F. M. HUSTED
DIRECTORY PUBLISHER.
Oakland, Alameda and Berkeley Directory Office, 953 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.
Honolulu and Hawaiian Islands Directory Office, Hawaiian News Co.
Fresno City and County Directory Office, 1058 J Street, Fresno.
San Francisco Office, 530 California St.
All communications should be addressed to the San Fran- cisco office.
SAN FRANCISCO LAUNDRY
OFFICES San Francisco, 33 Geary St. Oakland, 866 Broadway
1845
THE
1896
Mutual Benefit Life
INSURANCE CO. OF NEWARK, NEW JERSEY.
AMZI DODD, President.
ASSETS, (January 1, 1896.) - $58,000,000.00
Cash Dividends Paid Policy Holders, Jan. 1, 1896 = over $47,000,000.00
ANNUAL DISTRIBUTION
of Surplus. Largest Average Dividends Payable at the End of the First and Suceeeding Years
AFTER SECOND YEAR Liberal (Guaranteed) Cash Surrender Values and Cash Loans Made upon all Assignable Policies, AND All 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 for FULL AMOUNT until FULL VALUE of Policy is Exhausted.
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.
R. K. ALLEN, AGENT, CENTRAL BANK BUILDING, OAKLAND.
[ I]
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 on 7th page of this advertisement:
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 Twenty Payment Life Plan, at Age 30.
PREMIUM $302.70
AT END OF YEAR.
GUARANTEED CASH SURRENDER OR LOAN VALUE.
EXTENDED INSURANCE.
PAID-UP POLICY.
YEARS.
DAYS.
2d
$ 174 30
3
142
$ 1,000
3d
321 30
5
78
1.500
4th
475 20
7
35
2,000
5th
636 40
9.
IO
2,500
6th
805 30
II
40
3,000
7th
982 10
I3
60
3,500
8th
1,167 30
I5
35
4,000
9th
1,361 10
16
313
4,500
Ioth
1,564 00
18
152
5,000
IIth
1,776 40
19
290
5,500
12th
1,998 90
20
363
6,000
1 3th
2,231 90
22
18
6,500
14th
2,475 80
22
355
7,000
15th
2,731 20
23
296
7,500
16th
2,998 70
24
209
8,000
17th
3,278 70
25
106
8,500
18th
3,571 90
25
364
9,000
1 9th
3,878 90
26
276
9.500
20th
4,200 40
Paid up
10,000
25th
4,809 20
IN CASE OF LAPSE OF POLICY.
Future dividends cannot be guaranteed, but on the basis of the dividends payable in 1895 the Cash Premium the second year would be about $254 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 Pmreium, $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 Premiums,
$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, besides having had 20 years' Insurance for $5,000.
[ 5]
THE MUTUAL BENEFIT LIFE INSURANCE CO. of Newark, N. J.
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 POLICY.
1845
$50 00
1862
$22 50
$27 50
1879
$43 66
$6 34
1846
50 00
1863
22 50
27 50
1880
44 84
5 16
1847
50 00
1864
25 00
25 00
1881
46 00
4 00
1848
50 00
1865
25 00
25 00
1882
31 90
18 10
1849
$17 50
32 50
1866
25 00
25 00
1883
25 80
24 20
1850
17 50
32 50
1867
25 00
25 00
1884
26 80
23 20
1851
17 50
32 50
1868
*50 00
1885
27 80
22 20
1852.
15 00
35 00
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
1854
17 5
32 50
1871
*63 50
1888
31 84
18 16
1855
17 50
32. 50
1872
35 50
14 50
188
32 40
17 60
1856
17 50
32 50
1873
37 00
13 00
1890
32 90
17 10
1857
7 50
32 50
1874
38 00
12 00
1891
33 40
16 60
1858
17 50
32 50
1875
*76 00
1892
33 90
16 10
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 10
. Actual Cost or Net Amount of Premiums paid *Two Years' Dividends.
$1,130 90
It should be borne in mind that the Mutual Benefit's policies are all STRICTLY NON-FORFEITABLE, both as to the policies themselves, and as to dividends, which, in the Mutual Benefit, are always de- clared ANNUALLY so long as the policy continues in force.
Long deferred dividends conduce to extravagant management, and impose great loss on the average membership.
Deferred Dividends are a great help to companies which cannot pay good average dividends, and seek to conceal the fact by paying no dividends for many years and CONFISCATING the dividends of all who drop out of the company in the meantime.
[ 6 ]
INSURANCE MEN.
Over 100 Policies held by Oakland and San Fran= cisco Insurance Men in the MUTUAL BENEFIT.
(See partial list below.)
GEORGE C. BOARDMAN .General Agent Ætna Insurance Co
HOMER A. CRAIG. .Brown, Craig & Co., General Agents
HUGH CRAIG .. Manager New Zealand Insurance Co
ZERAH P. CLARK.
.$5,000 Paid
GEORGE D. DORNIN
ARTHUR C. DONNELL.
Resident Manager National Insurance Co Okell, Donnell & Co., General Agents Secretary of the Sun Ins. Co. of S. F
WILLIAM H. FRIEND.
N. H. GORDON. Cashier Home Mutual Insurance Co
TOM C. GRANT General Agent North British & Mer. Ins. Co
CHARLES D. HAVEN Resident Secretary Lon. & Liv. & Globe Ins. Co
BENJAMIN C. HAWES. City Agent Guardian and Sun Ins. Co's NATHANIEL T. JAMES. .Manager Alliance Assurance Co
JOHN S. WILSON. Mann & Wilson, General Agents
WM. J. LANDERS. General Agent Guardian and Sun Ins. Co's WM. MACDONALD .. Manager London & Lancashire Ins Co
THOMAS A. MITCHELL $5,000 Paid
L. B. EDWARDS .. Superintendent of Agencies Balfour, Guthrie & Co
EDWARD E. POTTER General Agent Franklin and American Ins. Co's
THOMAS E. POPE. Assistant General Agent Ætna Insurance Co
WILLIAM SEXTON. .. Adjuster Fireman's Fund Insurance Co
DAVID J. STAPLES President Fireman's Fund Insurance Co
JAMES W. STAPLES .$10,000 Paid
GUSTAV A. ZIEL. .General Agent London and Prov. Insurance Co s
ROLLA V. WATT. Manager Royal and Norwich Union Insurance Co's
ADAM GILLILAND City Agent Hartford Insurance Co
BENJ. J. SMITH. .Special Agent London, Northern & Queen Marine Adjuster
CORNELIUS V. S. GIBBS.
WILLIAM C. GIBBS. Marine Adjuster
MILTON B. CLAPP $10,000 Paid
JAS B. ROBERTS. General Insurance Agent, 415 Montgomery street
GEO. H. TYSON General Agent German-American Insurance Co
GEO. F. ASHTON Assistant General Agent Orient and P. W. Ins. Co's
DR. GEO. A. MOORE. .. President Pacific Mutual Life Ins. Co
DR. W. R. CLUNESS
Medical Director .. ..
JASPER N. PATTON
A. P. SINCLAIR
H. H. SMITH
Special Agent Guardian and Sun Insurance Co's
WM. H. BREMER. Bremer & Bender, Insurance Brokers
ALBERT M. BENDER
with Balfour, Guthrie & Co
SYLVESTER ELDRIDGE
.Special Agent of Gutte & Frank
BYRON C. DICK
.Superintendent of Agencies Butler & Haldan
CHESTER DEERING special Agent and Adjuster Brown, Craig & Co
ALBERT P. REDDING Secretary Pacific Surety Co RUSSELL W. OSBORN
.Department Manager Brown, Craig & Co
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 $7.71 per thousand.
Dr. Gaylord died in September, 1895. more than six years after the lapse of the policy, which, however, was promptly paid in full by the Company.
[ 7]
Secretary
Special Agent Home and Phoenix Insurance Co's
Special Agent Union Assurance Society
WM. A. MATHEWS.
SAMUEL H. BOARDMAN .with Alliance Assurance Co
LESLEY BATES.
THE MUTUAL BENEFIT LIFE INSURANCE CO.
PREMIUMS AND DIVIDENDS.
LIFE POLICIES
PAYABLE AT DEATH ONLY.
Age Annual
Semi- Annual
Quar- terly
IO
20
20 Years
15 Years
10 Years
21
$17 87
$9 29
$4 74
$39 39
$25 36
$46 75
$64 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 10
64 86
103 35
24
19 14
9 95
5 07
41 58
26 79
47 27
65 07
103 47
25
19 60
IO 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
Life,
20 Premiums ..
1
Life,
10 Premiums ..
51885 19 .7 20 3 21 .2 21 .5 71894 11 . 9 12 3 13 . 6 15. 3
Endowments, 20 Years.
(1875 33.0 33.2 31.8
71894 11 . 8 13 .7 |15.7
Endowments,
(18SO 24.7 25 .8,26.0
15 Years.
Endowments,
(1885 19 1 19 5:20 5 21.7
10 Years.
21894 9.8 10 5 12 3 15.5
Premiums Collected from Members,
to January 1, 1895. . .... $161, 145, 251 71 Dividends Paid Members .. . $45,380,975 14
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 uni- form cash premium of either 70, 75 or 80 per cent of the full rate, the remaining portion being a loan on the Policy till paid by dividends or otherwise.
Semi=Annually or Quarterly in Cash, or a portion by a Loan Certificate.
Life, Annual
1845 68 .6 68.6 68.6 68.6
· 1855 57 . 3 57 . 3 57 . 3 57. 3
1865 45 . 4 45 . 4 45 . 4 45 . 4
| 1875 31 .9 33 .5 33 .4 31.3
( 1894-19 . 1 18.5 18.2 18.7
103 71
27
20 64
Io 73
5
47
44 05
28 42
47 85
65 73
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
104 33
31
23 00
II 96
6 10
47 84
30 95
48 75
66 71
104 48
32
23 70
12 32
6 28
48 88
31 66
49 00
66 93
104 59
33
24 42
12 70
13 09
26 00
13 52
6 89
52 28
33 97
49 87
6- So
105 18
35 36
26 86
13 99
7 12
53 5I
34 82
50 19
68 15
105 35 105 51
37
27 76
14 44
7 36
54 79
35 71
5º 52
38
28 74
14 95
7
62
56 12
36 64
50 93
68 86
105 74
39
29 76
15 48
7 89
57 51
37 62
51 35
69 25
69 63
106 29
40
30 84
32 00
16 64
8 48
60 49
39 73
52 35
70 07
106 64
42
33 24
34 56
17 97
9 16
63 79
42 09
53 57
71 05
107 41
44
35 94
37 42
19 46
9 92
67 38
44 73
55 00
72 29
108 39
46
39 00
20 28
IO 34
69 28
46 16
55 89
72 94
109 00
47 48
42. 50
22 10
II 26
73 38
49 30
57 83
74 57
IIO 44
49
44 46
23 12
II 78
75 56
51 03
58'93
75 54
III 16
50
46 50
24 18
12 32
77 83
52 86
60 20
76 53
112 10
51
48 70
25 32
12 91
80 21
54 81
61 59
77 67
113 16
52
51 04
26 54
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
83 42
+118 23
56
62 10
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
I21 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
103 49
76.10
79 29
9/ 90
125 36
60
76 52
39 79
20 28
107 09
79 71
94 50
I27 59
65
I01 08
52 56
26 79
128 37
102 49
.. .
112 77
142 41
70
135 78
70 61
35 98
I57 21
136 12
. .
PERCENTAGE OF DIVIDENDS PAID IN 1895.
KIND OF POLICY
Year of| Issue
AGE AT ISSUE
1
30 40 50
160
PREMIUM RATES FOR AN INSURANCE OF $1.000.
28
21 20
5
61
44 94
29 01
48 04
32 39
49 28
67 20
104 75
34
25 18
6 67
51 II
33 16
49 56
67 53
104 98
41
17 28
8 83
62 II
40 88
52 88
70 51
107 00
43
18 69
9 52
65 54
43 37
54 22
71 65
107 92
45
40 70
21 16
IO 79
71 29
47 68
56 77
73 70
109 70
116 82
55
59 ( 6
30 71
15 65
90 80
64 00
68 76
106 00
16 04
S
17
58 94
38 65
51 85
68 50
21894 9 .5 11 . 4 13 .6 ..
.
[ 8]
-
Of Newark, New Jersey.
-
Prem's Prem's
ENDOWMENTS Payable as indicated or at death:
103 86
( 1875 32 .7 33 .5 32.5 29.2
1885 22 . 3 22 . 9 23 .7 24 3
( 1894 16 .0 16 3 16 9 18. 1
Rates for all kinds of Life Risks furnished, payable annually,
82 60
165 93
6 47
49 97
TRADE MARK
Collins Bros.
Telephone 1059
DRUGGISTS 1105 WASHINGTON ST. Masonic Temple, Corner 12th St
TOWN OF BERKELEY.
TOWN GOVERNMENT.
TOWN OFFICIALS.
President Board of Trustees-J. W. Richards.
Marshal-Richard Lloyd.
Clerk-M. L. Hanscom.
Treasurer-John Squires. Assessor-Isaac W. Wells.
Attorney-Brewton A. Hayne.
Street Superintendent-Guy H. Chick.
Engineer-C. L. Huggins. Health Officer-Hubert N. Rowell.
Pound Master-M. G. Lauderbach.
Justice of the Peace, West Berkeley-C. R. Lord.
Justice of the Peace, East Berkeley-F. James.
Sanitary Inspector-Frank B. Thompson.
TRUSTEES.
President-J. W. Richards. First Ward-J. W. Gage. Second Ward-
Fourth Ward-H. T. Cripps.
Fifth Ward-John Martin.
Sixth Ward-G. G. Durrell.
Seventh Ward-Christian Hoff.
BOARD OF EDUCATION.
President-P. R. Boone. First Ward-George M. Robertson.
Second Ward-E. J. Wickson.
Fourth Ward-George Swain. Fifth Ward-George A. Norton.
Sixth Ward-E. F. Niehaus.
Seventh Ward-C. Engebretsen.
Office 972 Broadway, S. E. cor. Tenth St.
Chicago, Rock Island and Pacific Railway and Phillips' Select Excursions, W. L. Achard,
Agent
William J. Dingee
Real Estate Agents and Auctioneers 460 & 462 Eighth St. OAKLAND
CHARLES B. WELLS, Successor to Kenney & Wells
Wood Carpet, Parquet Floors and Grille Work
1110 BROADWAY, OAKLAND 422 SUTTER ST., SAN FRANCISCO
546
BERKELEY.
FIRE DEPARTMENT ..
Alert Hose Co. No. 3-Haste corner Tremont.
Beacon H. & L. Co .- Sixth and University avenues. foreman.
S. H. Borkheim,
Columbia Volunteer Fire Co .- Addison near Shattuck avenue. James Kenney, foreman.
Peralta Chemical Engine Co .- Shattuck avenue near Russell. D. J. Keane, foreman.
Peralta H. &. L. Co .- Shattuck avenue near Russell. D. J. Keane, foreman.
Posen Chemical Engine Co. No. 2-Sixth corner Bancroft Way. Thomas Dowd, foreman.
Warren Chemical Engine Co. No. 1 .- 1728 Alcatraz avenue. Joseph. Stapleton, foreman.
POST OFFICES.
Berkeley-Southeast corner Shattuck avenue and Addison. John .McCarthy, postmaster. A. D. Wilson, Miss B. Lord, clerks. A. B. Taynton, A. C. Pait, letter carriers.
Lorin-3272 Adeline. J. M. Breen, postmaster.
Peralta-2936 Shattuck avenue. Mrs. F. M. O'Neill, postmaster.
West Berkeley-835 University avenue. Miss K. Teague, postmaster.
CHURCHES.
BAPTIST.
First-Dwight way near Shattuck avenue. Rev. W. C. Learned, pas- tor. Sunday Services, II a. m. and 7:30 p. m. Sunday school, -I2:30 p. m. Prayer meeting, Thursday, 7:30 p. m.
Lorin-Rev. W. D. Parkhurst, pastor. Sunday services, II a. m. and 7:45 p. m. Sunday school, 12:15 p. m. Prayer meeting, Thursday 7:45 p. m.
CONGREGATIONAL. 1
First-Dana corner Durant avenue. Rev. G. B. Hatch, pastor. Sun- day services, II a. m. and 7:30 p. m. Sunday school, 9:45 a. m. Y. P. S. C. E., 6:30 p. m. North Berkeley-Oxford corner Cedar. Rev. J. C. Robbins, pastor. Sunday services, II a. m. and 7:30 p. m. Sunday school, 12 m. Y. P. S. C. E., 6:30 p. m. Prayer meeting, Wednesday, 7:45 p. m. Park-Fairview near King. Rev. J. D. Foster, pastor. Sunday serv- ices, II a. m. and 7:30 p. m. Sunday school, 12:30 p. m. Prayer meeting, Wednesday, 7:45 p. m.
SEE OUR PATENT FLAT OPENING BLANK BOOKS PHILLIPS BROS. BOOKBINDERS
505 Clay Street. San Francisco
West Berkeley. Cal.
Brick, Lime, Hair, Cement, Plaster TELEPHONE 1702
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BERKELEY. 547
EPISCOPAL.
Church of the Good Shepherd-Bristol corner Ninth. Sunday services, II a. m. and 7:30 p. m. Sunday school, 10 a. m.
St. Mark's-Bancroft way near Ellsworth. Rev. G. E. Swan, rector. Sunday services, II a. m. and 7:30 p. m.
St. Matthew's Episcopal Mission -- Harmon corner Calais. Rev. T. L. Randolph, missionary. Sunday services, II a. m. Sunday school, to a. m.
FRIENDS.
Friends' Society-2938 Shattuck avenue. Sunday service, 11 a. m. Sunday school, 10 a. m. Prayer meeting, Thursday, 7:30 p. m.
METHODIST.
Paradise-Calais corner Felton. Sunday services, II a. m. and 7:30 p. m. Sunday school, 9:45 a. m. Prayer meeting, Wednesday, 7:30 p. m.
Trinity-Allston way corner Fulton. Rev. R. Bentley, pastor. Sun- day services, II a. m. and 7:30 p. m. Sunday school, 12:30 p. m. Epworth League, 6:30 p. m. Prayer meeting, Wednesday, 7:30 p. m.
West Berkeley-Seventh near University avenue. Sunday services, II a. m. and 7:30 p. m. Prayer meeting, Thursday, 7:30 p. m.
PRESBYTERIAN.
First-Allston way near Ellsworth. Rev. H. A. Ketchum, pastor. Sunday services, II a. m. and 7:30 p. m. Sunday school, 9:30 a. m. Y. P. S. C. E., 6.30 p. m. Prayer meeting, Wednesday, 8 p. m. West Berkeley-Bristol corner Eighth. Rev. J. Hunter, pastor. Sun- day services, II a. m. and 7:30 p. m. Sunday school, 9:45 a. m. Y. P. S. C. E., 6:30 p. m. Prayer meeting, Wednesday, 7:30 p. m.
ROMAN CATHOLIC.
St. Joseph's-Addison corner St. Joseph. Rev. T. Phillips, pastor. Sunday services. 7:30 and 10:30 a. m. and 7:30. p. m.
UNITARIAN.
First-Allston way corner Dana. Rev. Edward B. Payne, pastor. Sunday services, II a. m. Sunday school, 12:30 p. m.
LIBRARIES.
Holmes Public Library-2156 Shattuck avenue. D. R. Moore, librarian.
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BERKELEY.
A COMPLETE NEWSPAPER WITH ALL THE NEWS EVERYDAY ...
The Bulletin
548
NEWSPAPERS AND PUBLICATIONS.
Berkeley Daily Advocate-Shattuck avenue near Addison. H. N. Marquand, publisher. Subscription $4 per annum.
Berkeley Gazette (weekly)-805 University avenue. Will A. Nash, editor. Subscription $3 per annum.
Berkeley Herald ( weekly) -2110 Center. W. B. Winn, editor. Sub- scription $2.50 per annum.
Berkeleyan, The-North Hall, University of California ; published by the students Monday, Tuesday, Thursday and Friday each week. Subscription $3 per annum.
Blue and Gold-University of California. Published annually by the Junior class.
Josh (illustrated bi-weekly)-North Hall, University grounds.
Occident-University of California. Published weekly by the Occi- dent Publishing Company. Subscription $1.50 per annum.
University of California Magazine-North Hall, University grounds. Subscription $1.50 per annum. .
PUBLIC HALLS AND BUILDINGS.
Ashby Hall -- 2938 Shattuck avenue.
Baker Block-Alcatraz avenue corner Ellis.
Bruns' Half-San Pablo avenue corner University avenue ..
Dixon Block-3274 Adeline.
Frick Block-2123 Shattuck avenue.
Hann Block-Center corner Shattuck avenue.
I. O. O. F. Hall-Shattuck avenue corner Addison.
Johnson Block-Addison near Shattuck avenue.
Lancaster Block-Shattuck avenue northwest corner Addison.
Landregan's Hall-San Pablo avenue corner University avenue. Lorin Hall-1714 Alcatraz avenue.
Pythian Castle-Berkeley way corner Stattuck avenue.
Salvation Army Hall -- 2150 Shattuck avenue.
Schulz's Hall-Tenth corner Allston way.
Shattuck Block-2146 Shattuck avenue.
Shattuck Hall-2146 Shattuck avenue.
Sisterna Hall-University avenue corner Sixth.
South Berkeley Hall-Ashby avenue near Shattuck avenue. Stiles Hall-Allston way corner Dana.
Taylor's Hall-Fifth corner University avenue.
Town Hall-University avenue corner Sacramento.
Union Hall-Harmon corner Calais.
Unity Hall-Addison near Standford place.
Woodmen Hall-2141 Center.
GALINDO HOTEL The Leading and Largest Hotel in Oakland. 8 '?St. bet Broadway and Franklin St
AYDELOTTE'S BUSINESS COLLEGE,
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Y. M. C. A. Building, Oakland, Cal.
BERKELEY. 549
SCHOOLS AND COLLEGES.
PUBLIC.
High School-Center near Oxford. S. D. Waterman, principal ; M. C. James, vice-principal ; Miss A. C. Edmonds, Miss M. B. Clayes, Miss F. Bartling, Miss F. W. McLean, Miss M. Brehm, A. W. Stamper, J. S. Drew and E. B. Lamare teachers.
Columbus School-Eighth corner Allston way. Miss S. M. McClure, principal; Miss M. Kastens, Miss C. Woodley and Mrs. C. M. Partridge, teachers.
Kellogg School-Center near Oxford. S. D. Waterman, principal; Miss A. E. Wilson, Miss R. M. Dobbins, Miss O. Harper, Miss E. M. Smith, Miss S. T. French, Miss L. L. Shaw, Miss L. J. Wood- worth and Miss J. Barrows, teachers.
LeConte School-Russell between Ellsworth and Deakin. Miss A. F. Keefer, principal; Miss H. M. Gompertz, Miss S. Fox, Miss M. S. Higgins, Miss M. E. Bergen and Miss M. Huddart, teachers.
Lorin School-Alcatraz avenuecorner King. M. J. Congdon, principal; Miss E. Ellerhorst, Miss M. E. Rhodes, Miss D. E. Ellerhorst, Miss L. J. Shaw and Miss Edith Flagg, teachers.
Rose Street School-Milvia near Rose. Miss A. G. Graser and Mrs. C. G. Potwin, teachers.
San Pablo Avenue School-San Pablo avenue near Virginia. J. W. Warnick, principal; Miss L. J. Hamlin, Miss L. Atterbury, Miss A. L. Raymond and Mrs. E. S. Wilkes, teachers.
Seventh Street School-Seventh between Delaware and Bristol. Miss N. Malloy and Miss M. E. Wilson, teachers.
Whittier School-Milvia northeast corner Virginia. Miss J. H. Lum- bard, principal; Mrs. N. M. Norman, Miss L. Coddington, Miss O. Squires, Miss E. Sprague and Miss A. C. Cotrel, teachers.
KINDERGARTENS.
Byxbee Kindergarten-2022 Bancroft way. Miss Alice H. Byxbee, principal.
Dwight Way Kindergarten-2141 Dwight way. Miss Cora L. Fisk, principal.
West Berkeley Kindergarten-University avenue corner Eighth. Miss H. Lueders, principal. Miss M. Van Housen, teacher.
PRIVATE.
Berkeley Gymnasium-Atherton near Allston way. George Bates, principal.
Boone's University School-2029 Durant avenue. P. R. Boone, prin- cipal.
Bowens' Academy-Northwest corner University avenue and Grove. Prof. T. S. Bowens, principal.
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