Langley's San Francisco directory for the year commencing 1894, Part 369

Author:
Publication date: 1880
Publisher: San Francisco : Francis, Valentine & Co.
Number of Pages: 1704

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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 (link on the Part 1 page).

Net Cost and Present Value of Policies Issued at Various Times Since Organization.

cost of Policy in 1893-$15.60. Anual premium $50. Total premiuma to date, $2,450, and total dividends, $1,349.90; making a net cost of ·1100.10. The Company would Dow extend Mr. Leeds' insurance for five years and 252 days without farther payment, thus giving over fifty-four years' insurance at an average annual cost of $10.07 per thousand. The Company will now isque & paid-up policy for $1720 or allow $1,542.84 in cash for the surrender of the policy.

1855. JOHN WEEKS insured at Buffalo. N. Y., policy No. 10,852, age 33, for $5,000, annual

remium, $128.50. Total premiums to date $5,011.50 and total dividends $2,433.80, making a net coat

($2,577. 70. The Company would now extend Mr. Weeks' Insurance eight years and three hundred and wenty-one daya from December 1, 1894, thus giving nearly forty-eight years' insurance at an verageannual cost of $10.77 per thousand, or a cash surrender value of $2,935.43, or a paid-up licy for $3,905,00 would be allowed if desired.

1865. JUDGE CHARLES H. BELKNAP, of Carson City. Nev., policy No. 30,070, issued at age 23, for 3. 000, annual premium $96.50.

waking a net cost of $1, 791.19. The Company would now extend Mr. Belknap'a insurance sixteen I ars and twenty-three days without further payment, thus giving over forty-six years' insurance et an average annual cost of only $7.79 per thousand, or the Company would now allow & paid- p policy of $2,905, or a cash surrender value of $1,385.91. Net cost of Policy in 1894-$50,85.

insurance at an "nual premium $143.70. Total premiums to date $2,730.30, and total dividende $702.35, making a net average Mit of $2, 027.95. The Company would now extend Mr. Cleveland's insurance eleven years and three andred and six days, thus giving over thirty years' annual cost of $13.15 per thousand, or the Company would now allow & paid-up policy of $2,525, r & cash surrender value of $1,291.87.

1885. EDWIN O. COCHRAN insured at San Francisco, Cal., policy No. 122,931, age 37, for $5,000, nual premium $138.80. Total premiums to date $1,388.00, and total dividends $299.45, making a net Most of $1, 088.55. The Company would now extend Mr. Cochran's insurance ten years and seven days "thout further payment, thus giving over twenty years' insurance at an average annual wat of $10.87 per thousand, or the Company would now allow a paid-up policy of $1,390, or a cash sur- der value of $529.50.

NOTE .- In some of the above cases the Company has made loans on the policies, which would have - be paid off before the full value named could be allowed.

1533

Net

in 1893-$53.60.

Net cost of Policy

Total premiums to date $2,895.00, and total dividends $1,100.81.

1875. Hon. GROVER CLEVELAND insured at Buffalo, N. Y., policy No. 81.166, age 38, for $5,000,

Net cost et Policy in 1893-$94.45.

Net cost of Policy in 1894-$101.90.

Conn. General

776

number

SPECIMEN POLICY-1st Page. See 2d Pages following.

Continuous Life-Self.

[EDITION OF DECEMBER, 1

Life

(INCORPORATED BY THE STATE OF NEW JERSEY.)

No, 000,000. This Policy Witnesseth $10,000

THAT

THE MUTUAL BENEFIT LIFE INSURANCE COMPANY,

in consideration of the statements and agreements in th Age 35 application for this Policy, which are hereby made a part this contract, and of the sum of Two Hundred and Siv dollars, to it in hand paid by John Jones and of th --- Annual Annual Premium of Two Hundred and Six dollars, to be paid at or before twelve o'clock, M Premium, on the First day of January in every year duril $260.00 the continuance of this Policy, Does Insure the life John Jones of Newark in the County of Essex, State of No Jersey in the amount of Ten Thousand dollars, for the tem of Life, payable to John Jones, his executors, administrators or assigns, at i office in the City of Newark, New Jersey, upon due and satisfactory proof interest and of the death of the said Insured, deducting therefrom indebtedness of the party to the Company, together with the balance, if an of the then current year's Premium.

Provided, that in case the said Premiums shall not be paid on or befo the several days hereinbefore mentioned for the payment thereof, at the office the Company in the City of Newark, or to Agents when they produce receipt signed by the President or Treasurer, then, and in every such case, this Poli shall cease and determine, subject to the provisions of the Company NONFORFEITURE SYSTEM as indorsed hereon, will accompanying table.

This Policy does not take effect until the first Premium shall have b actually paid; nor are Agents authorized to make, alter or discharge this or ato other contract in relation to the matter of this insurance, or to waive forfeiture hereof, or to grant permits, or to receive for the cash due for Premium anything but cash. Any error made in understating the age of the Insured, w I be adjusted by paying such amount as the Premiums paid would purchase at ti table rate.

No assignment of this Policy shall take effect until written notice thereof shall have been given to the Company.

This Policy, while in force, will participate annually in the Company's distributions of surplus, and, after two years, will be INCONTESTABLE, except for non-payment of Premium

IN WITNESS WHEREOF, the said The Mutual Benefit Life Insurance Company has, by its President Secretary, signed and delivered this Contract, at the City Newark, in the State of New Jersey,. this First day of Janusz one thousand eight hundred and ninety.

EDWARD L. DOBBINS, Secretarv. (Form 1.)

AMZI DODD, President

1534

Specimen Policy-2d Page. LIFE POLICY-AGE 35, 810,000, PREMIUM 8260.00.

The Mutual Benefit Life Insurance Co. of Newark, N. J.

NON-FORFEITURE PROVISIONS.

WHEN AFTER TWO FULL ANNUAL PREMIUMS shall have been paid on Ibis policy it shall cease or become void solely by the non-payment of any Premium when due, its entire net reserve, by the American Experience Mortality und interest at four per cent yearly, less any indebtedness to the Company on this. Policy, shall be applied by the Company as a Single Premium at the Company's rates published and in force at this date, either, first, to the purchase of non- participating term insurance for the full amount insured by this policy, or, second, pon the written application by the owner of this Policy and the surrender Thereof to the Company at Newark within three months from such non-payment of Premium, to the purchase of a nou-participating Paid-up Policy, payable at the me this Policy would be payable if continued in force. Both kinds of insurance foresaid will be subject to the same conditions, except as to payment of Premiums, s those of this Policy. No part, however, of such term insurance shall be due or payable unless satisfactory proofs of death be furnished to the Company within nne year after death; and if death shall occur within three years after such non- payment of premium, and during such term of insurance, there shall be deducted rom the amount payable the sum of all the Premiums that would have become Que on this Policy if it had continued in force.

THE FOLLOWING TABLE

shows the amount that the Company agrees to loan (being one-half of the reserve) upon a satisfactory assignment of the Policy as collateral security; also the dditional time for which the insurance will be continued in full force after lapse by non-payment of premium; or the value of the Policy in Paid-up Insurance upon surrender within three months from date of lapse.

The figures given are based upon the assumption that the premiums (less current dividends) have been fully paid in cash. If there be any indebtedness upon the Policy, the values as stated in the table would have to be reduced proportionally pon the principles stated in the Policy. The indebtedness, if any, may be paid ff in cash, in which case the figures in the table will apply.

IN CASE OF LAPSE OF POLICY

Number of Years' Premioms Paid

Company Will Loan

Extended Issuance.

Paid-Up Policy

Years

Days

8 110

8 540

170

810

230

104

1,080

290

146

1,310

850

179

1,610

420

194

1,870

490

180

2,140

560

135

2,400

830

2,660

710

286

2,910

780

124

3,160

860

290

3.410

950

3,060

1,030

168

8,900

1,470

310

5,020

1,050

6.000

2,440

328

6,820

2,910

139

7,490

8.340

264

8.020

Cash loaus not made for less than fifty dollars.

1535

(Specimen Convertible Policy-2d Page.)

20 YEAR ENDOWMENT, AGE 35 .- $10,000 .- PREMIUM, 8498.70.

The Mutual Benefit Life Insurance Co. of Newark, N. J

NON-FORFEITURE PROVISIONS.

WHEN AFTER TWO FULL ANNUAL PREMIUMS shall have been paid on this Policy it shall cease o become vold solely by the non payment of any Premium when due, the entire net reserve value of the Policy an Dividend Additions, by the American Experience Mortality and interest at four per cent yearly, less an Indebtedness to the Company on this Policy, shall be applied by the Company As a Single Premium at th Company's rates published and in force at this date, either, first, io the purchase of non- participating tern Insurance for the full amount insured by this Policy, or, second, upon the written application by the owne of this Policy and the surrender thereof to the Company at Newark within three months from such non-paymen of Premium, to the purchase of a non-participating Paid-up Policy payable at the time this Policy would b payable if continued in force. Both kinds of insurance aforesaid will be subject to the same conditions, exce as to payment of Premiums, as those of this Policy. No part, however, of such term insurance shall be due o payable unless satisfactory proofs of death be furnished to the Company within one year after death; and 1 death sball occur within three years after such non payment of Premium, and during such term of insuran ( there shall be deducted from the amount payable the enm of all the Premiums that would have become due this Policy if it had continued in force. If the reserve be more than enough to purchase temporary insurance aforesaid to the end of the endowment term, the excess shall be applied to the purchase of pure endowmen insurance, payable at the end of the term if the Insured be then living.

After two full years' Premiume shall have been paid, the Company will, on surrender of this Policy ful receipied while in force or within three months from time of lapse, allow as a Cash Surrender Value for the Aa a sum not less than the full reserve value of the Policy, exclusive of Dividend Additions, computed by t. above-named standard, deducting therefrom any indebtedness to the Company on this Policy ; AND, at the e of the TENTH policy year. or at the end of any succeeding FIVE year period, if the Policy be then in force, a if it be surrendered fully receipted within thirty days from such times the Company will increase t Guaranteed Cash Surrender Valne by the ENTIRE reserve value of all existing Dividend Additiona.

THE FOLLOWING TABLE

Shows the minimum valnes of the Policy under the several options granted by the Company :

1st Option .- Cash Surrender Valne.

2d Option .- Amount that may be borrowed from the Company on the Policy.

3d Option .- Extended Insurance for full amount of Policy, and Cash Endowment (if any) paya at end of Policy term.

4th Option. - Paid-up Policy Value.

Number of

Years'

Guaranteed Cash Surrender Value.

Increase in Guaranteed Cash Surrender Value for each $100 of Existing Dividend Additions.

Company Will Loan

Years.

Days.

Cash Payable at End of En- dowment, if Party Liven.

Paid-up Policy.

8638 40

8320

172

$1,080

979 50

490

1,610

1,336 00

670

251

2,140

1.708 80

850

$400

2,650

2,098 00

1.050

1.220

3,160

2,506 40

1,250

2,000

3,670

2,933 00

1,470

2.750

4,160

3,379 60

1,690

3,470

4,650

3,846 90

869 19

1,920

4,160

5,130

4,336 40

2,170

4,810

5.610

4,840 20

2,420

5,440

8,070

5,386 00

2,690

5,050 30

2,980

6.610

8,940

6,541 $0

82 68

3,270

7,150

7,420

7.163 20

3,580

7,760

7.930

7.816 90

3,910

8,350

8,450

8,505 40

4,250

8,910

8,960

9,231 90

4.020

9,400

9,490

10,000 00

100 00

5,000

10,000

Note .- The first ten years' Dividends that may be declared upon this Policy will be allowed only on the "Addition' The values of this Follcy may, owing to Dividend Additions, be more than thore above stated; but they cannot b provided there be no loan on the Pollcy requiring adjustment.

Loans not made for less than twenty dolllar B. J. MILLER, Mathematicia

1536

8,040

6,530

Extended Insurance.

IN CASE OF LAPSE OF POLICY.

Prem's Paid.

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 $50.00, 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

1861

$20 00

$30 00

1877

$41 24

$8 76

1846

50 00

1862

22 50

27 50

1878

42 44

7 56

1847

50 00

1863

22 50

27 50

1879

43 66

6 34

1848

50 00

1864

25 00

1880

44 84

5 16

1849

$17 50

32 50

1865

25 00

1881

46 00

4 00

1850

17 50

32 50

1866

25 00

1882

31 90

18 10

1851

17 50

32 50

1867

25 00

1883

25 80

24 20

1852

15 00

35 00

1868

*50 00

1884

26 80

23 20

1853

16 00

34 00

1869

25 00

1885

27 80

22 20

1854

17 50

32 50

1870

25 00

1886

29 54

20 46

1855

17 50

32 50

1871

*63 50

1.87

30 04

19 96

1856

17 50

32 50

1872

35 50

14 50

1888

31 84

18 16

1857

17 50

32 50

1873

37 00

13 00

1889

32 40

17 60

1858

17 50

32 50

1874

38 00

12 00

1890

32 90

17 10

1859

17 50

32 50

1875

*76 00

1891

33 40

16 60

1860

17 50

32 50

1876

40 00

10 00

1892

33 90

16 10

1893

34 40

15 60

$1,349 90

Contract Premiums for 49 years

$2,450 00

Reductions by Dividends

1,349 90

Actual Cost or Net Amount of Premiums paid . *Two Years' Dividends.

$1,100 10

It should be borne in mind that the Mutual Benefit's policies are all TRICTLY NON-FORFEITABLE, both as to the policies themselves, and as to dividends, which, in the Mutual Benefit, are always declared ANNUALLY so long as the policy ontinues in force.

Long deferred dividends conduce to extravagant management, and impose reat loss on the average membership.

Deferred Dividends are a great help to companies which cannot pay good Merage dividends, and seek to conceal the fact by paying no dividends for many mars and CONFISCATING the dividends of all who drop out of the company in the wwantime. See the following page. 1537

DON'T!

If any Company asks you to agree to forego dividends for many years and to Forfeit all right to them in case of death or lapse - DON'T!

If any Company asks you to take a policy which appears to offer a big investment if you live, and to charge you nothing for your insurance in the meantime-DON'T ! You may rely upon it that the Company don't intend to lose money on its contracts, and if the policy seems to be worth more than its cost, it is only because you don't understand it as well as the Company does.

DON'T attach too much importance to ESTIMATES ! It is easy to make big estimates when they cannot be checked off by actual results for twenty years to come.

COMPARISON of a 20 PREMIUM 20 YEAR DISTRIBUTION LIFE Policy in the MUTUAL LIFE Insurance Company of New York, with a 20 PREMIUM LIFE (CONVERTIBLE) Policy in the MUTUAL BENEFIT of New Jersey. Age of Insured, 32 years. It is assumed that the Mutual Benefit's Dividends will be on the same scale as those now being paid.

Annual Premium .

Amount Insured

1st year

10,000 00

10,800 00

10,000 00

10,460 00

10,000 00

10,980 00

10th

10,000 00

11,930 00

1511

10,000 00

12,990 00

20th

10,000 00

14,200 00

Paid-up Policy Value

year

1,050 00

1,500 00

1,660 00

5th

2,500 00

2.890 00

10th

5,000 00

6,110 00

15th

7,500 00

9,510 00

19th

9,500 00

18,850 00

Guaranteed Cash Value 2d

338 00

5th

Probable

10th

2.638 00

15th

4,547 00

20th

7,098 00

Guaranteeil

20th

4,902 00

5,049 00

8826 00

8326 10

2₫

5th

Mutual Life.

Mutual Benent.

901 00

In case of death or lapse within 20 years, the Mutual Benefit Policy is fa more profitable. The Mutual Life Policy may be worth more if it is in force the end of the 20 years; but then again it may not. The advantages of th Mutual Benefit Policy are immediate and certain; those of the Mutual Lif Policy are remote and uncertain. With the Mutual Life Policy the Insured will know nothing about his dividends till the 20 years have passed. The Mutu Benefit Policy is a legitimate investment. The Mutual Life Policy is speculation, which bristles with opportunities for loss to the Insured. It provid neither for loans to prevent lapses, nor for extended insurance in case of lapsc.

1538

A LIFE INSURANCE PROBLEM SOLVED.

Annual Distribution

of Surplus VS. Tontine

OR LONG "TERM DISTRIBUTION."

Annual Distribution Shows Decidedly the Best Results.

sferred Dividends Tend to the Waste of Policyholders' Funds in Excessive Expenses,

RELATIVE STANDING SINCE ORGANIZATION.

The following table, compiled by the BOSTON STANDARD, shows the results produced

the Mutual Benefit Life Ins. Co. of New Jersey, the leading “ANNUAL ISTRIBUTION" Company, on one hand and the New York Life and the Equitable Life, TWO "ORIGINAL TONTINE" Companies, on the other hand, since organization :

Interest Saved

COMPANIES.

Date of Organi- zation

Premiums Received since Organization.

Payments to Policyholders since Organization.

Gross Assets. Dec. 31, 1892.

Payments to Pol- Or Excess of Pay - icyholders since| ments to Policy- Organizat'n and holders and Pres- present Assets.

ent Assets over Prem's Received.

tual Benefit, N. J.

1845

153,935,269

131,226,227

30,619,915

w York Life. .

1845

328,715,871

184,036,233 194,118,248

53,328,957 148,700,781 169,056,396

184,555,184 332,737,014 363, 174,644

4,021,143

mitable, N. Y ..

1859

363,525,607

-350,963

The above table shows that, from $174,000,000 less premiums than the New York Life the TUAL BENEFIT has saved $26,000,000 more of its interest receipts than the New York Life ; At from $209,000,000 less premiums than the Equitable, the MUTUAL BENEFIT has saved 0,000,000 more of its interest receipts than the Equitable ; that from $538,000,000 less premi- s the MUTUAL BENEFIT has saved over seven times as much of its interest re- vipts above expenses for policyholders as the New York Life and Equitable combined, excess of payments to members plus assets, over premiums received; and that $134,003,669 uld have been saved by the two Companies since organization under management as favorable as MUTUAL BENEFIT'S management. The Insurance Reports show that while thejMUTUAL BENEFIT ved $1,279,743 of its interest receipts above all expenses in 1893, the total expenses of the w York Life and Equitable exceeded their combined interest receipts !by, over bree million dollars in 1893.

SEE ANNUAL DISTRIBUTION POLICY OF THE MUTUAL BENEFIT.

The Best Contract Ever Offered.

SEE OPPOSITE PAGE.

1539

The Mutual Benefit Life Ins. Co. of Newark, N. J.

PREMIUMS AND DIVIDENDS.

PERCENTAGE OF DIVIDENDS PAID IN 1893.

AGE AT ISSUE.

KIND OF POLICY.

Year of Issue.

20 15 10 Years. Years. Years.

[1845

68.8

Life,

1855

58.3

Annual

1865

46.2

1875

33.1

34.5

34.6

33.1

[1892

22.1

21.5

21.3

21.8

Life,

1873

35.7

36.5

35.5

32.2

20 Premiums ..

1882

26.1

26.9

27.6

28.0

22 36

11 63

5 93

46 83

30 27

48 75

66 71

104 48

23 00

11 96

6 10

47 84

30 95

49 00

66 93

104 59

23 70

12 32

6 28

48 88

31 66

49 28

67 20

104 75

25 18

19 09

6 67

51 11

33 16

49 56

67 53

104 98

26 00

13 52

6 89

52 28

33 97

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

56 12

36 64

50 93

68 86

105 74

29 76

15 48

7 89

57 51

37 62

51 35

69 25

106 00

30 84

16 04

8 17

58 94

38 65

51 85

69 63

106 29

32 00

16 64

8 48

60 49

39 73

52 35

70 07

106 64

33 24

17 28

8 83

62 11

40 88

52 88

70 51

107 00

34 56

17 97

9 16

63 79

42 09

54 22

71 55

107 92

37 42

19 46

9 92

67 38

44 73

55 89

72 94

109 00

40 70

21 16

10 79

71 29

47 68

56 77

73 70

109 70

42 50

22 10

11 26

73 38

49 80

57 83

74 57

110 44

44 46

23 12

11 78

75 56

51 03

58 93

75 54

111 16

46 50

24 18

12 32

77 83

52 86

60 20

76 59

112 10

48 70

25 32

12 91

80 21

54 81

61 59

77 67

113 16

51 04

26 54

13 53

·82 69

56 88

63 13

78 86

114 28

53 54

27 84

14 19

85 27

59 10

64 83

80 26

115 50

56 20

29 22

14 89

87 98

61 46

66 70

81 77

116 82

59 06

30 71

15 65

90 80

64 00

68 76

83 42

118 23

62 10

32 29

16 46

93 74

66 72

71 04

85 23

119 77

65 34

83 98

17 .82

96 84

89 62

87 24

121 49

68 82

35 79

18 24

100 09

72 74

76 28

89 45

123 34

76 52

39 79

20-28

107 09

79 71

82 60

94 60

127 59

101 08

52 56

.26 79

128 37

102 49

.....

135 78

70 61

35 98

157 21

136 12

.....

$64 46

$103 11

18 27

9 50

4 84

40 09

25 81

46 92

64 65

103 23

18 70

9 72

4 96

40 82

26 29

47 10

64 86

103 35

19 14

9 95

5 07

41 58

26 79

47 27

65 07

103 47

19 60

10 19

5 19

42 37

27 31

47 48

65 30

103 60

20 10

10 45

5 33

43 20

27 86

47 64

65 53

103 71

20 64

10 73

5 47

44 05

28 42

47 85

65 73

103 86

21 20

11 00

5 61

44 94

29 01

48 04

65 95

104 04

21 78

11 32

5 77

45 86

29 63

48 48

66 43

104 33

1892

19.0

19.3

19.9

21.1

10 Premiums ..

( 1883

22.7

23.3

24.2

24.5

1892

14.9

15.3

16.5

18.3

Endowments,

1873

36.0

36.2

34.8

....

1540

15 Years ...

[ 1878

27.7

28.8

29.0

.....

Endowments,

1892

12.5

14.4

16.6

...

10 Years .....

§ 1883

20.1

20.5

21.5

22.7

1892

10.8

11.5

13.3

16.5

39 00

20 28

10 94

69 28

46 16

53 57

71 05

107 41

35 94

18 69

9 52

65 54

43 37

55 00

72 29

108 39

Endowments,

1892

14.8

16.7

18.8

.....

Premiums Collected from Members, 8153,519,099 30

Dividends Paid to Members, -

$43,706,710 98,

AND THEREFORE

To such as desire 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 80 per cent of the full rate, the remain ng portion being a loan on the Policy till paid by dividends or otherwise.

PREMIUM RATES FOR AN INSURANCE OF $1,000.

LIFE POLICIES PAYABLE AT DEATH ONLY.

Semi- Quar- 10

Annual. terly. Prem's. Prem's.

$17 87

$9 29

$4 74

$39 39

$25 36

$46 75

48 28

66 21

104 17

24 42

12 70

6 47

49 97

32 39

49 87

67 80

105 18

26 86

13 99

7 12

53 51

34 82

20 Years

. .

79 29

91 90

125 36

72 54

37 72

19 22

103 49

76 10

112 77

142 41

165 93

Rates for all kinds of Life Risks furnished, payable annually.

Semi-Annually or Quarterly in Cash, or a portion by a Loan Certificate.

ENDOWMENTS Payable as indicated or at death.

Age. Annual.

73 53

Life,

AYDELOTTE'S BUSINESS COLLEGE, Y. M. C. A. BUILDING, Oakland, Cal.

Shorthand Course, Six Months, $60.

(See page opp. name of Aydelotte's Business College.)

A BUSINESS DIRECTORY

OF THE

CITY OF SAN FRANCISCO:

IN WHICH THE DIFFERENT TRADES AND PROFESSIONS ARE CLASSIFIED AND ARRANGED.

COMPILED EXPRESSLY FOR THIS WORK.

ACC ADV

ACCOUNTING AND AUDITING CO.

OF SAN FRANCISCO. (INCORPARATED.) WALTER TURNBULL, President. ARTHUR B. PRICE, Manager and Accountant.

Office 320 SANSOME, Room 19.

W. TURNBULL. DIRECTORS :- W. B. WILSHIRE. A. B. PRICE.

F. S. CHADBOURNE. F. B. CLEMENT.

Accountants.

Armstrong W. W., 508 California Ball George A., 507 Montgomery Barrow, Wade, Guthrie & Co., 8 Mills Bidg, 6th floor

BARROW, WADE, GUTHRIE & CO.

Auditors and Accountants, Room 8, Mills Bldg, 6th floor.

Benson James, 240 Montgomery Coon Charies D., 22 Fiood Bidg Cooper Harry B., 230 Montgomery CRAWFORD JOHN, 406 Cali- fornia Dann Horace D., 112 Montgomery Folger Daniel W., 504 Kearny Folsom George T., NE cor Fourth and Townsend Frisbee Frank, 132 Market FRISBEE, RISDON & CO. (Incorporated) 132 Market Haas Samuel A., 318 Sacramento Halloran D. J., 74 Flood Bidg Harries J. B., 320 California Herman Henry L., 402 Montgomery Horne C. W., 515 Pine Ing Andrew D., 730 Capp

JENKIN J. (Barrow, Wade, Guth- rie & Co.) 8 Mills Bidg, 6th floor KIRKPATRICK T. A., 506 Hayes Langdon Waiter G., 5 Mills Bidg, 7th floor

W. G. LANGDON, Xpert -:- Accountant, MILLS BUILDING. 15 YEARS' PRACTICAL EXPERIENCE.

References by permission: Murphy, Grant & Co,, Wholesale Dry Goods Merchants; A. J. Ralston, Pres- ident Selby Smelting and Lead Co., Irvin Ayres, President Eagie Auto- matic Can Co.

Levy Max, 309 Powell

Lutgen Charles F., 218 California

CHAS. F. LUTGEN, Expert Accountant 218 California Street.

MORGAN & HANSON, Accountants. AUDITORS AND FINANCIAL AGENTS Telephone Building, 216 Bush St. San Francisco.

MAGUIRE H. C., 202 Market, room 3 Morgan & Hanson, 216 Bush Pattee Soion, 507 Montgomery Plate H. A., 16 Sacramento Price A. B., 320 Sansume, room 19 Reynolds G. W., 424 Pine Schumacher L., 49 Masonic Tempie Van Bokkelen W. A. M., 56 Nevada Block

Vogel & Taylor, 1016 Market Von Buncken L. C., 301 California Wadham Luman, 504 Kearny

Acids-Manufacturers. (See Chemical Works.)

Adjusters Fire Losses.

Adams Albert F., 423 Washington Andre Anthony A., 420 Callfornia Bokee David M., 412 California Bolger Philip, 421 California Chalmers W. L., 320 Sansome Gunnison A. R., 439 California Hamilton J. K., 412 Callfornia Magili R. H., 215 Sansome McIntosh D. W., 320 Sansome Meade Caivert, 420 California Nellson Alexander, 106 Leldesdorff Nichols S. K., 410 Califorma Outcalt Peter, 401 California Pease W. C., 401 Callfornia Purdy J. S., 38 Milis Bidg, 5th floor Swett F. H., 420 California Swyney T. N., 508 Callfornia Wetzlar A. J., 106 Liedesdorff White W. S .. 501 California

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Langley's San Francisco directory for the year commencing 1894, Part 369

Author: Publication date: 1880 Publisher: San Francisco : Francis, Valentine & Co. Number of Pages: 1704

Author:
Publication date: 1880
Publisher: San Francisco : Francis, Valentine & Co.
Number of Pages: 1704