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THE FIRE INSURANCE WAR
The Dissolved Compact Was
Not an Unmixed Evil
COMPARISON OF LOSS RATIOS-
What Property-Owners May Expect.
The Good Work That Is Done
by the Patrol.
The fire insurance managers of this coast
having crippled the California goose that
laid the golden eggs are in a quandary.
They built up and maintained for eleven
years at a large cost the largest and strong
est compact association in the world, and
then, through the bad faith of some of
their members, tore it to pieces. The in
terests involved are so large that property
owners may well question seriously the
course of the companies and carefully re
view their past action as some index of the
In 1884 what is known as the "compact"
system was inaugurated on the Pacific
Coast, its field of operations being the
States of Oregon and Washington. The
insurance managers thought it best "to
try it on"' at first in an inferior territory,
so far as volume of business was con
cerned, reasoning that if the experiment
proved a failure some other plan might be
adopted in California which furnishes the
bulk of the premiums.
Portland was made the headquarters
and Alfred Stillman was chosen as man
ager to essay the thankless task of con
vincing the benighted Webfeet that their
rates needed elevating. Mr. Stillman, who
is a brother of the famous railroad lawyer
of New York, developed an ability in this
new line of work that was satisfactory to
the companies, and soon pefected a system
of special ratings in Portland and other
towns in Oregon and "Washington that
met the approval of his employers and
earned for him the dislike of the unhappy
wiiers of insurable property in those
The press and public were bitterly op
posed to the new system and fought it so
strenuously that the managers' bed was by
no means one of roses. Portland was put
under a system of schedule rating by which
all deficiencies in the construction of build
inns were charged for, the result in many
cases being an advance over the rates that
had previously been charged. Numerous
improvements, such as iron shutters on
exposed openings, wire nettings on sky
liehts, the removal of defective flues, etc.,
were forced on property-owners through
the manipulation of the rates, and as a re
sult the tire losses were largely decreased,
and in two cases at least large conflagra
tions in Portland were prevented.
Encouraged by the success of the in
itial venture, the companies extended the
limits of the compact association and or
ganized what was known as the Pacific In
surance Union, which comprised in its ter
ritory California, Oregon, Washington,
Idaho, Montana, Utah, Nevada and
Alaska. The general office was estab
lisbed at San Francisco, with branch
Offices at Portland. Salt Lake City and Los
Angeles. All of the principal towns were
specially rated at great labor and expense,
the work in San Francisco being on an
elaborate scale. The experience of East
ern compact systems was utilized; many
ideas evolved from the fertile brains of the
managers were put into practice with
varying results; the constitution of the
Union was amended and reamended to
meet the different problems as they arose,
and finally the machine was completed
ami became a thing of life.
It must be conceded that they builded
better than they knew, for despite the fact
that the compact was an autocracy that
ruled with an iron hand and whose work
ings were often unequal, it held together
for a much longer time than expected.
The eood that it did may be summarized
as fallows: It gave stability to the business,
effected improvements in buildings, fire
departments and water supply ; established
uniform rates of commission, discouraged
rebating and reformed faulty forms of
policies, and in that way facilitated the
speedy adjustment of honest claims. An
other important work effected was the
establishment of an inspection bureau in
this City, which has done remarkable ser
vice in the interests of property-owners at
the expense of the companies.
List year the surveyors of the inspection
bureau inspected 19,881 buildings in this
City and effected 6657 improvements in
tne way ot removing stovepipes, repairing
defective flues, abolishing dangerous lights,
netting skylights, trapping elevators, re
moving oily waste and rubbish, and gen
erally effecting the improvements sucgest
ed by a system of careful inspection." The
percentage of fires from causes preventable
by inspection has been so largely reduced
since the bureau was started in 1885 that it
is evident those inspections have saved
millions of dollars to property -owners and
to the insurance companies
In 1885 the preventable tiresinSan Fran
cisco were 29 per cent of the whole num
ber. The percentages have been annually
reduced as follows:""
In 1886 preventable fires were 23 per
cent; in 18*7, 21 percent: in 1888, 13 per
cent; in ISfift, 11 per cent; in 1890, 10 per
cent; in 189 L 9 per cent; in 1892, 8 per
cent: in 1893, 7.9 percent; in 1894, 7.3 per
The working force of the inspection
bureau included the chief inspector, six
inspectors and one clerk.
The Fire Patrol is another organization
maintained by the companies that has
been of incalculable benefit to the prop
erty-owners. While '"there are others" it
is generally acknowledged that this fire
patrol system is uneqnaled in the points of
effectiveness and rapid service.
The defects of the compact were too
great concentration of power in the man
ager, unequal ratings and inequitable en
forcement of penalties.
For several years past it was claimed
that various offices did their full share
toward disrupting the association by in
sisting on employing salaried agents, and
by quietly securing business in favored
localities by paying a higher rate of com
mission for it than authorized by the com
pact. Other companies, it is said, met this
competition by paying excessive commis
sion at certain points rather than see their
hard-earned business cut from their books.
Those managers who scrupulously kept
both the letter and spirit of their obliga
tions, saw their gilt-edged risks, their
favored dwellings, churches and school
houses slipping away from them month
by month, while the gentlemen who cap
tured them, it is alleged, attended board
meetings with smiling faces, and cheer
fully voted aye to all constitutional amend
ments designed to strap up the compact,
until it became as invulnerable as a
It became apparent that some radical
action must be taken if their official heads
were to remain on their shoulders, for
home offices expect good results instead of
complaints and excuses. Then came the
disruption. The Northwestern National
of Milwaukee was the first to go, although
its retirement was more in the nature of a
forced retreat than a resignation.
Its premium income was so small that
its withdrawal cut little figure, although,
as it began rate-cutting in a mild way, it
was a thorn in the side of many agents,
•who complained bitterly of not being
allowed to protect their business against
this competition. Then came the retire
ment from the compact of the Continental
of New York, a company having a coast
income in 1894 of $231,168, and the Phoenix
of Hartford and Home of New York, with
a premium income last year in this rield of
It was evident that a crisis was at hand.
Then came the promulgation to agents of
the "non-intercourse" rule and the in
junction suit brought by the Continental
against the Pacific Insurance Union, under
cover of which the Phcenix and Home
profited, and while the companies were
waiting for a judicial decision reaped c.
harvest of business at cut rates.
It was evident that, a rate war was in
evitable. And still the companies tem
porized, hoping to prevent general demor
alization, and all this time the outside
companies were profiting by the delay and
working night and day to increase "their
business under such favorable auspices.
Soon the fight became fast and furious.
Heavy discounts were made in such favored
localities as San Francisco, Oakland, San
Jose, Sacramento and Los Angeles, and the
curious spectacle was presented of a gen
eral hunting up of theassured and the pres
entation to him of more or less cash in hand
as a return premium, in consideration of
which nothing was asked but his signature
to a receipt containing a non-cancellation
The situation at present is as follows:
Outside of California rate-cutting and re
bating have not been extensive, and com
pact offices are now in operation at Port
land, Seattle, Tacoma and Salt Lake City.
The Board of Fire Underwriters of the
Pacific lias succeeded the Pacific Insur
ance Union; the inspection bureau has
been discontinued and the entire force of
the head office of the compact in this City
has been retired. The fire patrol is still in
existence, and doubtless will be main
tained. Local boards are controling the
business at most of the principal towns on
the coast, and the local agent is at last
recognized as an important and indepen
dent factor in the business.
No business can endure long if its income
does not equal its outgo, but the point
that is not clearly understood by the public
is whether the income from the reduced
rates is going to be sufficient to meet the
losses and necessary expenses. Assuming
tln-.t figures cannot He, and presuming that
the larger companies will surely pay all
just losses, whether the premium income
from the coast business shows an excess or
a deficit, a study of the returns made by
the companies shows these important
The coast premiums passing through
San Francisco general agencies in 1894 were
$1,000,000 less than in 1893. The California
premiums were $450,000 less. The San
Francisco premiums were $117,000 less.
The average loss ratio was about 50 per
cent of the premiums. In the territory
outside of California the average loss ratio
was 60 per cent. The coast figures of a few
of the offices include business from Colo
rado, New Mexico, Wyoming. British Col
umbia and the Sandwich Islands.
The total net premiums from coast busi
ness in 1894 amounted to $10,474,057.
The business was divided among three
classes of companies last year as follows:
California companies— BRHI
! Pierr.iums $1 ,023.42 1
Ratio of loßjra to premiums, 49.6 per cent.
Companies of other States-
Ratio of losses to premiums, 50 per cent.
Premiums ." $5,530,695
Ra.lo of losses to premiums, 49.4 percent.
The total by States in 1894 were as fol
Premium!. Losses paid. Ratio.
Alaska $23,652 6,923 30.0
Arizona 102,869 79,870 77.0
California 6,337,080 2,815,670 44.4
Colorado 1,428.619 794.651 55.6
Idaho 136,839 145,938 106.6
Montana 682,939 208,183 35.7
Nevada 125.224 43,142 34.5
New Mexico 133.219 7.8,920 69.2
Oregon 874,210 6r6,611 70.5
Utah 294,621 129,476 44.0
Washington 1,147.583 620,892 64.1
Wyoming 133,750 50,140 37.5
All of these figures are based on the old
rates before cutting began.. The fire in
surance losses on the Pacific Coast for the
past three years as reported by the com
panies were as follows: 1892" $4,300,000:
1893, $5,646,399; 1894, $5,196,382.
In 1893 the fire losses in the United
States were $167,600,000, and in 1894 $147,
The loss ratios in San Francisco have not
been given in detail by the companies, but
a comparison of their City premiums, as
reported to the treasurer' of the Under
writers' Fire Patrol with the City losses
reported by them monthly, establishes the
fact that the proportion of losses to City
premiums for the past twenty years has
been low. On the other hand", the propor
tion of expenses has been high. In view
of these figures it will readily be under
stood why there has been an active compe
tition for City business, especially by com
panies willing to plunge heavily "and take
the chances of a great fire.
California business ns a whole at the old
rates has been profitable, but the profits
have been made in certain localities, for in
some parts of the State the annual losses
and expenses have always exceeded the in
Carefully considering the lessons of the
past, and reasoning as closeh- as possible
from cause to effect, an impartial observer
might reasonably predict the future of fire
insurance on the Pacific Coast on the fol
lowing general outline:
It is probable that all general agents
eventually will be placed on a salaried
basis, with a moderate contingent com
mission on theprofits, if any.
The expenses of management will be re
A compact system, as complex as that of
the late Pacific Insurance Union, will per
haps never again be in force on this coast.
There will always be a Board of Fire
Underwriters, and in time fair rates will be
maintained, but the assistance of special
agents and local agents will be more relied
on, and h is likely that at many points the
rates will be adjusted by a* committee
chosen by the agents themselves.
In view of the conflagration hazard in
San Francisco which exists, notwithstand
ing its immunity from big fires, rates must
be maintained on a higher basis than pre
vailed during the height of the rate war,
but they will not range as high as before
until the long-expected great conflagration
comes. After that the public sentiment
will change, as it did in Chicago and Bos
More of the smaller companies will prob
ably withdraw and there will be further
changes of management. There will be a
survival of the fittest and the insurance
public eventually will seek the solid com
panies and be willing to pay a fair rate.
Rates will be put on an equitable basis
and the unreasonable expenses that have
been incurred in getting business at fa
vored points will be reduced to a mini
mum, lor only in that way can rates be
made lower and still leave a fair margin of
protit /or the companies.
ANOTHER HORSELESS VEHICLE
Now in Use in Mansachusettg, and
MakoH Sixteen Miles an Hour.
The latest and apparently most practical
self-propelling vehicle yet produced in
this country has just been perfected at
Springfield, Mass., after three years of
experimentation. This improved motor
carriage is daily traversing the roadways of
Western Massachusetts. The total weight
is 600 pounds. The wheels are rubber tired,
and run on ball bearings. The front wheels
turn on their own pivot located in the
hub, the axle being firmly heid by the side
bars. The lever in front wholly controls
the carriage. The lateral movement turns
the wheels, the vertical starts and stops
the vehicle, changes its rate of speed and
also reverses its movement, driving it
backward when desired. The lever con
nections all have ball joints which can
never become loose and cause lost motion.
A brake drum of peculiar construction is
placed under the seat and connected with
a thumb-button located at the front corner
of the seat. By pressing the thumb upon
this button the carriage if running twelve
miles an hour can be stopped within a dis
tance of four feet.
The variable speed ranges from three to
Bixteen miles an hour, the normal rates
being three, six and ten miles. To obtain
these different rates the motor does not
change its speed. The increase is made in
the gearing, which is alternately rawhide
and iron and runs quite still. To obtain a
greater speed than ten miles an hour the
pressing of the button at the front of the
seat will increase the speed of the motor.
The mechanism runs upon ball bearings
wherever possible, and otherwise metallic
bearings are used, rendering oiling un
THE SAN FRANCISCO CALL, SATURDAY, JUNE 15, 1895.
necessary, says the St. Louis Post-Dis
The motor has a driving capacity of
four horsepower and is what is usually
termed a gasoline motor. It is compactly
located in the box of the body, weigns 120
pounds, and is of an improved type, double
cylinder and self-regulating as to work
required. Peculiar and ingenious devices
are employed in the mixture of gasoline
with air to produce the proper quality of
gas, only a small drop of gasoline being
used at one time. The gas so produced
comes in contact with an electric spark,
thereby producing an expansion of the air
in the cylinder, which is already very
much compressed by the action of the
The cost of running this carriage is one
fourth of a cent a mile. A supply can be
carried sufficient for 150 miles and can
readily be replenished at any town en
The motor has proved entirely reliable,
having been run several weeks on a test,
and shows no variation in power or speed.
It is simple, will cost but little to run and
is applicable to business as well as pleasure
A CROW TIGHTS WITH A DOG.
The Latter Is the Victor, but Bath Are
Fred Wulfram of Riverdale took a stroll
down to Van Cortlandt Park with his fox
terrier Cricket last Sunday, says the New
York Sun, to pass the rest of the afternoon
by the lakeside. When he reached the
lake the dog started off for fun on his own
account in the old mill, to which Wolfram
had taken him often to catch rats. After
a few minutes Wulfram whistled for the
dog, but he got no response. He went to
find him, but he had not gone far when he
heard the dog yelpinc and barking on the
other side of the old manor house near
Crickethad found a large crow and was
engaged with it in a fierce battle. Each
was putting up a good fight, but to Fred it
seemed as if the crow was ahead. The
bird would rise a short distance in the air
and would then dart at the dog, striking
and picking him savagely. The dog
leaped at the crow whenever the crow
came within reach and snapped and bit at
him, not without good results, as bare
spots on the bird's wings and breast at
tested. Wulfram shouted to the dog to
Cricket had becun to act as if he had
enough, but the encouragement from his
master made him pull himself together.
He gave his opponent a savage rush and
plucked out a lot of feathers. The crow
hesitated a few seconds, as if doubtful
whether it would be wise to continue the
combat. Then he rose from the ground
with much difficulty ami. cawing dismally,
flew away toward Mosliolu.
When Wulfram examined the dog he
found that the crow had clawed him badly,
having made a deep scratch on his back
and several other wounds, which bled pro
fusely. After binding up the wounds with
his pocket handkerchief Wulfram took the
dog home. It will be several weeks before
the dog will be the same Cricket as before
SAN FRANCISCO "CALL."
BUBINJESB OFFICE of the San Francisco Cali/—
710 Market street, open until 13 o'clock every
nipht in the year.
BRANCH OFFICES-530 Montgomery street,
corner Clay: open until 9:30 o'clock.
S: fi Hayes street, open until 9:30 o'clock.
717 Lurkin street, open until 9:30 o'clock.
6W. corner Sixteenth and Mission streets, open
until £ o'clock.
2518 Mission street, open until 9 o'clock.
116 Ninth street, open until 9:30 o'clock.
lj!F^s= HOWARD PRESBYTERIAN CHURCH,
lb^& Mission *:.. near Third— Th.: pastor, Rev. F.
R. Farrnnd. will Breach at 11 a. m. and 7:45 P. M.
Subject. "Isaac Bound to the Altar: or, A Father's
Faith Tested." Sunday-school at 9:30 a. m. Prayer-
meeting on Wednesday evening at 7:15 o'clock.
Young People's Society of Christian Endeavor at
6:15 p.m. All are invited.
jjt~3?= FIRST PRESBYTERIAN CHURCH,
Sb-JS" cor. Van Ness aye. and Sacramento st. — Rev.
Robert Mackenzie, D.D., pastor: Rev. W. C. Mer-
rill, associate pastor. Preaching: services at 11
a. M. and 7:45 p. M. Sunday-school at 12:45 p. m.
Young People's Society of Christian Endeavor at
6:30 p. M. Prayer-meeting Wednesday evening at
7:45 o'clock. All are welcome to these services.
K£35=»S«P 1. VMO 0T § CONGREGATIONAL
U>^»' Church, Post at., between Buchanan ami
Webster— Rev. W. 1). Williams, D.1)., pastor.
Preaching 11 a. m. and 7:45 p. m. Sunday-schools,
9:30 a. m. and 12:30 p.m. Christian Endeavor,
6:30 p. m. Mornln? sermon by the pastor. Even-
ing sermon by Rev. Henry Varley, the eminent
evangelist. Subject: "Christ, Our Passover, Is
Sacrificed for Us." Mr. Varley will preach every
evening this week.
NOTICE OF MEETINGS.
ur-S' 7, I. O. O. F.— The officers and tuner- V™
al committee of this encampment are here- y\
by respectfully invited to assemble at Odd/ \,
Fellows' Hall, MONDAY, June 18, at 1:30 p. m.,
for the purpose of attending the funeral of our late
patriarch, JOSEPH SCHULTZ. In F. H. and C.
H. F. SCHLICHTING, C. P.
Max Schumann, Scribe.
Bp^» EXCELSIOR DEGREE .*!«»-„
lisas' Lodee No. 2. T. O. O. F.— Regular iSjF^fcfc:
meeting THIS EVENING. Second
degree will be conferred.
: U. S. G. CLIFFORD, D. M.
Vt^S* CALIFORNIA LODGE NO. 1, <*s>ma//,
I*-*' I. O. O. F.— Officers and mem-
bers arr notified to meet in lodg«room -s^BG?y
on SATURDAY, June 15, at 1 o'clock I?Viiv^i
r. m., to attend the funeral of our late brother,
JAMES A. STEELE, N. G.
Wii/liam C. Rii.f.y, Recording Secretary.
ijr^s= HARMONY LODGK, NO 13, <g&i2W l '/
I*-^ I. O. O. The officers and the 4&7sgS&-.
funeral committee of the above lodge J s^4jps*^
are hereby notified to assemble at Odd / w»w"
Fellows' Hall, corner Market and Seventh sts., on
MONDAY, June 17, at 1:30 o'clock p. m., for
the purpose of attending the funeral of our late
brother, JOSEPH SCHULTZ. By order.
ED WENZEL, N. Q.
Joseph G. Myseu, R. 8.
sj-^5 3 TENTH ANNUAL PICNIC ~
| li-J^ and family reunion of the Servian- *$fi?4
Montenegrin L. and B. Society. SUN- _Js2£L.
DAY, June ]8, 18ft.',, at California dIHsSHBI!
Schuetzen Club Park, San Rafael. Koatsj C-\i«"W
leave Tlburon ferry, foot of Market st., ai*;Hl3jj3
9:30 and 11 a. m. and 1 ::,oand :!::'.() v. m. *i4slr*
Special train will leave park fit 6:30 r. m. feivSjul
Adult's ticket, round trip, including ad-
', mission to the park, 60 cents; children's ticket
round trip. including admission to the park 25
cents. Grand tombola, first prize $30 cash.
$P3s= OFFICERS AND MEMBERS OF THE
I^-=^ Servian Montenegrin L. and B. Society.—
, You are hereby requested to meet SUNDAY
MORNING NEXT, June 16. in your hall, 10 Cali-
fornia street, at 7:30 o'clock, sharp, to march to-
gether to the ferry. By order of
P. L. VUCANOVICH, President.
L. S. CHt'Ricn, Recording Secretary.
fflt^S 3 ANCIENT ORDER OF KO RES- JA±
CtJ^ ters and Bunker Hill Association—
Members and friends are invited to partlci-ASX*
pate in the celebration of Bunker Hill amivn jii»
Ancient Order of Foresters' day, June 17 T^S?
1896, at Glenwool. Santa Cruz Mountains. m\
An excellent programme will he presented. <£_>
Bunker Hill monument will be decorated by thir-
teen young ladies, representing the original thir-
teen States. Boats will leave foot of Market st.
narrow-gauge ferry, at 7:45 nnd 8:45 a. m. Trains
will stop at Park at., Alameda, both ways. Round-
trip tickets— sl for adults. 50 cents for children.
Tickets can be procured at the office of the A. O. F.
Hall Association, 102 O'Farrell st., or at the ferry
on the morning; of excursion.
WM. G. BADGER,
President Bunker Hill Association.
P. F. McNULTY,
President. A. O. F. Picnic Association.
f£~s= A WEEK'S NEWS FOR 5 CENTS— THK
la*^? WEEKLY CALL, in wrapper, for mailing.
jjlSjJp" '■ D I vYDE^fD^^fcE^DIVID^NIBrNa
Ur-*s> 20 (i5 cents per share) of the Hutchinson
Sugar Plantation Company will be payable at the
2.?T C^?LV he rom l )an 3 -" Market St.. on and after
THURSDAY, June L'o. 1895 Transfer books will
close FRIDAY, June 14, 1895, at 8 o'clock p. m.
E. H. SHRLDON. secretary.
HrSp MRS. WALLACE~~REMOVED isv£
Cfr-f' Turk st. to lioy a Stockton; steam, cabinet
baths; room 3.
IKjS 3 MISS OLIVE WHITNEY, BATHS,
*■*-*>■ hand-rubbing for rheumatism and paiD,
Boom 5, 110 Sixth st.
HSS= CORNS REMOVED WITHOUT KNIFE;
I*-^ no pain. Chlropodic Institute, 36y a Geary.
jjK^= ROOMS WHITENED, $1 UP: PAPER-
t»^ . ed $3 60 up. 309 Sixth. George Hartman.
jK^= BAD TENANTS EJECTED FOR~»iT
m**r Collections made, city or country. Pacific
Collection Co., 415 Montgy st., room 6. Tel. 6680.
lff^S=« ALL COURTS— LEGAL PRIVATE MAT-
I*-*' ters; confidential; advice free. ATTOR-
NEY McCABE. 1027 Market st, -
B^jS* CHARLES H. PHILLIPS. ATTORNEY-
•*-* r at-law and Notary Public, 638 Market St.,
opp. Palace Hotel. Residence, 1620 FeU st. Tele-
phone 070. . . ;
9535* J.B. McINTY.BE, BOOKBxNDKR AND
o^-*^ Printer. 422 Commercial st.
LADIES' FOR A FIRST-CLABS SERVANT
XJ see J. F. CROSETT & CO., 312 Sutter st.
AT THE SWEDISH EMPLOYMENT BU-
reau first-class Swedish and German girls are
awaiting situations. 332 Geary st. ; telephone 983.
LADIES— YOU CAN GET RELIABLE HELP
J at MRS. FENTON'S, 106V a Stockton st.
LADIES— "GOOD SERVANTS, city OR COUN-
try, at MME. LEOPOLD'S, 957 Market St.
SITUATION BY A WOMAN WHO IS A GOOD
O cook and thoroughly understands housework:
references. Address for two days 935J/2 Howard
St., bet. Fifth and Sixth.
SEA MSTBEBB AND THOROUGH DRESS-
O maker desires a position as maid, invalid nurse
or crown children; understands hairdressing. Ad-
dress B. H., box 116, Call Office.
ITUATION TO DO GENERAL HOUSE WOBK
O or second work or kitchen work by reliable,
steady young woman, in private family. Call for
two days. 1163 Market st., near Eighth.
W A NTiiD BY A GERMAN GIRL A PLACE AS
TT child's nurse or to do cooking and housework.
Call at Young Woman's Christian Association, 1221
pERMAN GIRL, FIRST-CLASS COOK AND
VI housekeeper, wants a situation in a private
family. Apply at 1616 Eddy st.
yOUNG WOMAN WOULD LIKE TO WORK
X by the day; sleep home. Call or address 1321
y OUNG SPANISH GIRL FROM NICARAGUA
X desires position as typewriter. Please call at 25
Taylor St., room 5.
COMPETENT WOMAN WISHES SITUATION
V in restaurant or boarding-house to work in
kitchen: understands her business. Call 29
DR E M AKER WOULD LIKE FEW MORE
engagements: $125: children's clothes also.
Address H. N.. 2518 Mission st.
WOMAN WITH FRESH BREAST OF MILK
TT wishes child to nurse at her home; her own
child died right after birth. 1046 Vermont st.
OOD DRESSMAKER: FIT GUARANTEED;
$1 50 ier day; cuts by Taylor system; chil-
dren's clothes also. D. F., 2518 Mission st.
QTRONG GERMAN WOMAN WANTS WASH-
O ing or housecleanlng by day. MRS. DONEAU,
1747 Mission st., bet. Thirteenth and Fourteenth.
XV IDOW, WITH SOMEMEANS, WOULDLIKE
TT to engage in business with a gentleman. Call
5 Mason si. ,room 9. second floor.
YOUNG WIDOW DESIRES SITUATION AS
X housekeeper. Call 121 Montgomery st., r. 10.
yOUNG WOMAN WISHES SITUATION AS
X cook in private family; good references. Please
call at 709 Taylor sr.
ELIABLE, COMPETENT WOMAN, WITH
boy of 7 years, wishes position as cook or
housekeeper: city or country. 338 Seventh St.,
ELI ABLE WOMAN WISHES WORK BY
the day; washing or housecleaning or steady
place: city or country. Call oraddress, for 2 days,
426 Jones St., near O'Farrell.
MIDDLE-AGED "AMERICAN WOMAN
ltX wishes situation as cook and housekeeper on
coffee plantation in Central America. Address E.
8., box 104, Call Office.
pOOD SWEDISH GIRL WANTS PLACE FOR
VT general housework in American family; is
good plain cook. Please call at 1239 Mission st.,
basement Swedish church.
ITUATION WANTED TO DO GENERAL
housework by reliable Scotch girl. Please call
or address 809 Treat ave.. In rear.
"WOMAN WOMAN WORK OF ANY KIND
'» by the day: $1 a day. Address W., box 24,
pOMPKTENT WOMAN WANTS ANY KIND
\J of housework by the day; references. Call or
a.ldress 1217 Scott st., near Ellis.
COMPETENT AND EXPERIENCED NURSE
\J in confinement cases; doctor's reference; terms
reasonable. 988 Howard St., room 6.
THIRST-CLASS GERMAN COOK WISHES
X I situation In a German family; good references.
Apply 229 Franklin st. ; -. « ■ : -
RESPECTABLE GERMAN GIRL WISHES TO
attend to store of some kind: bakery, candy or
delicacies; some experience. Call or address 532
Hayes st., In store.
THIRST-CLASS LA UNDRESS AND CHAMBER-
X maid wishes situation no objection to the coun-
try; first-class reference. Address M., box 46, this
ANTED— IN SAN FRANCISCO, LIGHT
TT work in Christian family with privilege of two
hours on Monday, Wednesday and Friday fore-
noons; references required and furnished; small
wages. Address C. V., 407 San Pablo ave., Oak-
y OUNG LADY DESIRES A SITUATION AS
X housekeeper. Call 113 Fourth st., room 1.
LADY WITH HEALTHY NEW BREAST
milk, has just lost her baby 1 week old, would
like to have a baby to nurse: can furnish milk for
two. Address A., box 142, Call Ofiice.
BY A YOUNG LADY, A FEW MORE PU-
pils for zither and piano; terms very reason-
able. Piano, box 65, Call.
yOUNG WOMAN WISHES SITUATION BY
X the day. 603 Willow ave., bet. Ellis and Eddy.
9 MUSICAL LADIES (VIOLIN AND PIANO)
£i desire concert engagement; no objection to
traveling* Address W., box 10J; this office. V
\y i >MAN AS FIRST-CLASS COOK AND
'" baker for hotel; city or country. Call or ad-
dress 531 California St., room 5.
LA DY WOULD LIKE SOME PLACE TO
nurse the sick: kind to children. Call or ad-
dress 619 Folsom st.
a ' OUNG LADY WOULD like GENTLEMAN
X partner: good-paying investment; no trlflers.
200 lurk, room 2.
RELIABLE WOMAN WANTS SITUATION
as cook in small restaurant: small wages. Call
or address 135 Larkln st.
2 FRENCH LADIES DESIRE POSITIONS AS
housekeepers for widower or bachelor. Address
M. L., box 7, Call Office.
GOOD DRESSMAKER WISHES A FEW
more engagements by the day. Address 747V a
y OUNG LADY WOULD LIKE TO HAVE A
X position immediately; can do plain sewing and
mending; good housekeeper. Call room 33, 418
A/" OUNG WOMAN, LATELY FROM THE
X East, wishes situation as housekeeper. 1002
yOUNG WIDOW WISHES A POSITION AS
X housekeeper or typewriter. Call at 11 Kearny
St.. room 27, first floor.
wanted— position AS HOUSEKEEPER
TT by a compete middle-aged woman: is good
nurse and seamstress, and also a good cook. Call
at 1 Martha place, bet. Taylor and Mason ats.,
pENTLEMEN'S MENDING. MRS. GRAY-
VJ BON, 105 Stockton st., room 78.
A N EASTERN WIDOW WOULD LIKE
-£»- position as housekeeper; widower or bachelor.
Call at 132 Sixth st., room 23.
CHEAPEST AND BEST IN AMERICA— TH»
tT , WEEKLY CALL, sent to any address in the
united States or Canada one rear for $1 50, post-
age free. ' y
Sl'l'UATiO.Ns W ANTi-li-ftiALE.
n ELI ABLE H EIiP FU RNISHE D, MA LE AND
-It female; also employes for positions of trust.
Address Secretary Golden Rule Labor Association,
948 Mission st.
V OUNO FRENCHMAN, MARRIED, wishes
X situation as porter, janitor, or about place, or
run elevator. Address C. F., box 15, this office.
EX I'F.RIENCED MALE NURSE WANTS EN-
gagement, city or country: will travel with
patient; best of references. Address A. J. 8.. 476
IT 6 ATION WANTED IN MEAT MARKET,
O or to drive any kind of wagon, by voting man of
23 years: best city references. Address S., box 7,
SITUATION WANTED BY STEADY, SOBER
cook and baker; hotel, restaurant or resort; best
references. D. A. SCOTT, Napa, Cal.
SITUATION WANTED BY A COLORED MAN
VJ as bead cook In a country hotel: he Is strictly
sober, reliable and indiisrrlous: references fur-
nished to the same; wages to range from $40 to
$50 a month. Call or address S. W. R., box 51,
this office. ■
A MERICAN MAN AND WIFE WANT SITU-
-cx ation on ranch; best reference. Call oraddress
P.. 474 Jessie st.
DA N E WISHES SITUATION; FAMILIAR
xy with horses, cows, garden and general work;
thoroughly reliable in every respect. Address
P. N.. box 111, this office.
G1 ARDENER— A FIRST-CLASS GARDENER
VT with good recommendations wishes a steady
situation. Address F. LUEDEMAN, nursery, cor.
Baker and Lombard ats.
ENGINEER AND MACHINIST DESIRES A
XJ situation; city references. Address Engineer,
box 104, Call Ofllce. '
WANTED-POSITION AS CHEF IN HOTEL,
»» restaurant or merchants' lunch; first-class
practical, sober man. Address Chef, care of W.
SCHMALTZ, 7 ll anile place, S. F.
pOOD VIOLINIST IS OPEN FOR ENGAGE-
*■* menta for dance work; long experience; terms
moderate. 2438 Bush st.
STEADY JAPANESE WANTS A SITUATION
to do any kind of outdoor work; cltyorcoun-
try ; wages no object. T. N. A., 429 Stevenson st.
IDDLE-AGED MAN OF steady HABITS
wants employ where work- Is not heavy;
low wages. Address L. W., box 160. this office.
PRINTER (NON-UNION), FOUR YEARS 1
X experience at general work in small office, de-
alres situation, j. p. g., box 116, Call Office.
RIENCED YOUNG MAN IN GENERAL
J-i merchandise, care of horses, etc., wishes posi-
tion in country: can furnish best of references.
L. V. 8., box 109, Call Office.
PAINTER, GRAINER AND PAPER-HANGER
X wants job by the day or contract; first-class
workman. NORTON, *16 Maria St., off Chesley.
bet. Seventh and Eighth.
CHRISTIAN MAN AND WIFE WANT PLACE
v^ in private family; -, man as butler or gener-
ally useful, wife as cook: good references: $30
! both. Address J. R.. box 67. Call Office. - : - •
COOK — MIDDLE-AGED, SOBER, STEADY
\J man wants work In a chop or lunch house; un-
derstands barkeeplng, Address H. LUMAS, 611
TU I DDLE-AGED MAN WANTS WORK; UN-
■L'X deratanda plain cooking; can milk and care
I for garden; be« references. Address 143 Minna st.
SITUATION WANTED BY FIRST-CLASS
0 gardener; thoroughly understands his business
in all its branches: is also first-class horseman and
driver; good milker and can take charge of a gen-
tleman's place and fill all the requirements with
competency; good references: wages to suit the
times. Address A.R. DUVALL, 279 Jessie st.
pi AINTER AND GRAINER, WHO IS ALSO
X a competent paper-hanger, decorator, timer,
etc., would like engagement with property-owner
or others requiring such work. Address Painter,
437 Sixth st.
A STEADY AND RELIABLE MAN WISHES
-f»- position, thoroughly understanding the care of
fine horses, careful driver and good gardener: gen-
erally handy with tools: rirst-class references. Ad-
dress G., box 146, Call Office.
"DUTCHER WISHES TO GET WORK: HAS
XJovor2 years' experience: best of references;
has gome experience in bookkeeping. Address
S.. box 44, this office.
JOB PRINTER WISHES STEADY BITUA-
tion where he can leave off work at 3 p.m.;
wages $9. Address J. M. 8., 516 Pine st.
JA PA N ESE YOUNG MAN, EDUCATED A
Catholic from childhood, wishes position as cook
or waiter. ' Apply at room 29, 514 Bush st.
TNTELLIGENT TRUSTWORTHY MAN OF 25
X (American) will i;lve $25 for a permanent situa-
tion as clerk after July 15 in a wholesale house or
similar place: permanency and advancement de-
sired more than large salary. Address, statin?
business and salary paid, G. D. McKINhTRY,
"IXTANTED-SITUATION AS COOK, HOTEL
' i or boarding-house. Address SMITH, 864 Mis-
yOUNG MAN, AGE 24, WISHES WORK;
X handyat anything; wages no object ; references.
Address W., box 133. Call Office. |
FEMALE HELP' WANTED.
WANTED— SWEDISH OB GERMAN CHAM-
»» bermaid, $25: infant's nurse, $25; waitress,
restaurant, country, $25: housework, small fam-
ily, $15. LEON ANDRE, 315 Stockton st.
CHAMBERMAID, PRIVATE FAMILY, $20;
VJ French cook. Point Reyes, $20: second girl,
San Jose, $25, see lady here": nurse, $20, city: 10
housework girls, ciiy and country, $20 anil $25.
MISSCULLEN, 105 Stockton.
\y ANTED— WAITRESSES, HOTELS AND
TT restaurants, $20 and $25; Invalid's nurse,
$.20: girl tor housework, 3 in family, a short dis- ,
tance, $25: French nurse. $26, and others. J. F.
CROSETT & CO., 312 Sutter st.
9 WAITRESSES, SAME WATER RESORT,
£i $20: waitress, country hotel south, $20; wait-
ress, small hotel nearctty. $15: cook, small board-
ing-house, $20. C. R. HANSEN & CO., 110
T KOXER, STEAM LAUNDRY, $8 A WEEK;
X German or Scandinavian girls, general honse-
work, second work and mirse. $15 and $20. C. R.
HANSEN A CO., 110 Geary st
1 A WAITRESSES FOB SUMMER RESORTS,
XV $25;and $20. Apply MISS PLUNKETT. 421
1 A GIRLS FOR HOUSEWORK; $15, $20.
i-U MURRAY &. READY. 634 Clay st.
0 WAITRESSES FOR SPRINGS, FREE FARE
0 both ways, $20; 10 waitresses for country
hotels, from $20 to $25. HOTEL GAZETTE, 420
"I \ " AN f F-: D-A GOOD PROTESTANT GIRL TO
'» do general housework in American family;
wages, $12 a month. Please call at 1714 Mason
St.. bet. 9 and 12 a. m.
VEAT RESPECTABLE GIRL TAKE CARE
■I-* of children and do upstairs work; German or
American preferred; references. Apply 1522
A PPRENTICE WANTED AT DRESHMAK-
£x Ing: paid while learning. 1301 Larkln st.
yOUNO GIRL WANTED TO ASSIST IN
X light housework. Call afternoon 627b Ellis st.
y OUNG GIRLTO DO HOUSEWORK; FAMILY
X of 2. Call 9to 10-Saturday 748 Twenty-third.
APPRE NTICEB FOR DRESSMAKING. 4a
■l\. Antonio, off Jones, nr. Ellis.
I RST-CLASS FINISHER ON CUSTOM
X I coats. 1044 Howard, upstairs.
p ENTLEMAN DESIRES YOUNG LADY
VXparner, established business. Baths, box 3, Call
}^NERGETIC LADIES AND GENTLEMEN
-i for new plan of life, health and accident insur-
ance: salary or commission. International In-
demnity Company, 206 Sansome st.
900 VOLUNTEER SINGERS IMMEDIATE-
Z'UU ly. J. W. MoKENZIK, 524 Eddy st.
WaSTED-A GOOD GERMAN GIRL FOB
'' general housework. 800 Greenwich st.
IP INI SHE RS AND APPRENTICES ON
J vests. 239 Seventh st.
DRESSMAKERS AND SEWING GIRLS
wanted: patterns cut to order, 25 cents up.
MoDOWELL Dressmaking Academy. 213 Powell,
A PFRENTICES ON PANTS; GOOD SEW E
x\. paid while learning. 559 Vi> Stevenson, nr. 7th.
G~\ IRL GENERAL HOUSEWORK AND ASSIST
T cooking. 700 Shotwell st.
SWEDISH EMPLOY MFNT OFFICE. lliZ
Antonio st.. off Jones, near Ellis.
p ROFEBSOR LIVINGSTON'S DRFISSCUT-
X tint and making school : all branches. 702 butter.
GARMENTS PERFECTLY COMPLETED
VX without trying on; call and test. Lawrence
Ing-school, 1281 Market st.
IS GARMO'S • WONDERFUL FRENCH
tailor method of three measures; the only
place to learn the true method of dreascutting;
complete course $10; lessons given; dressmaking
by the week or month: the latest in basting, bon-
ing, skirts, sleeves, collars, revers, etc.; dresses
made on short notice; cutting and fitting a spe-
cinlty. DE OAR.MO. 219 Powell st.
MALK HIXP WANTED.
7P. MEN CAN OBTAIN WORK TO-DAY AT
I O MURRAY <fc READY'S.
1 A HOTEL AND RESTAURANT WAITERS;
XV 4 hotel cooks, $25. $40 and $60: 2 ranch
cooks, $20; 3 dishw.v rs, $15 and $20. MUR-
RAY A READY, 634 Clay st.
STABLEMAN, CITY, $25 AND FOUND; 10
laborers for a lane factory; 5 coopers: 10
woodchoppcrs. MURRAY A READY, 634 Clay.
BLACKSMITH, WHO CAN DO A LITTLE
farmwork, $.-10 nnd found; line-tender, $:-S5
and found; charcoal-burner, 10c sack; 10 farmers,
$20, $25 and $26; man to milk 10 cows and make
bntter. $20: choreman. $20: ranchboy, $8. MUR-
RAY & READY', 634 Clay st. ; : ;-
-9 CARPENTERS, CITY; 2 MILKERS, $25.
Zi MURRAY & READY, 634 Clay st.
"I A REDWOOD TIEMAKERS, 9c AND 10c
XV apiece, good timber and long job: 2 Italian
woodchoppors, red and oak cord wood, 80c and
$1 50 a cord: ranch blacksmith, steady place, $30
and hoard: wagon-maker, country, $2 50 a day: 4
laborers for limekiln, $20 and board. R. T. WARD
& CO.. 608 and 610 Clay st.
LUMBER-PILERS, COUNTRY SAWMILL,
$26 and found ; 8 swampers for the woods, $25
and fonnd. C. R. HANSEN A CO., 110 Geary st.
\.l AN AND WIFE. TO COOK AND WAIT FOR
ITJ. a miners' hoarding- house, $60: farmer and
wife, see party here, $40. C. R, HANSEN & CO.,
110 Geary St.
CA TEAMSTERS AND labouels for RAIL-
O\J road work, $1 75 a. day and free fare. C. R.
HANSEN & CO., 110 Geary st. ,
A MORE STONEMASONS FOR RAILROAD
T: work ; free fare. C. R. HANSEN & CO., 110
LACKSMITH, MUST BE A GOOD TOOL-
sharpener. $45 and found; blacksmith, country
shop, $3 a day. C. R. HANSEN <fc CO., 110 Geary.
W"ANTED-4 MINERS, 840 AND BOARD;
1 " carman for mine. $1 day and board: engli.eer
frr n.ine, $40 and board: carpenter for mine, $35
an 1 board; milkerandbntt»>rmnl- er. $30 and found;
fireman, $35 and board; o.imp olacksmlth, $30
and board; 2 coopers, $30 and board; machine
blacksmith, Central America; farmers, teamsters
and others. Apply J. F. CROSEJ i' & CO., 628
\\, r ANTED-GOOD IRON KB FOR COUNTRY
TT laundry, $30. LEON ANDRE, 315 Stockton.
\XT ANTED-FIRST-CLASS GENTS' FUR-
»» nishing goods man; good reference required.
ANTED— A SMART RESPECTABLE MAN,
» » who can read and write English: to be compe-
tent to work In a lodging-house; references. HVij
Antonla St., off Jones, near Ellis.
Barbers,"for EMPLOYMENT CALL sec.
Barbers' Ass., 12 Seventh. H. SCHEUNERT.
OOD BARBER FOR SATURDAY AND SUN-
I" day. 319 Montgomery st.
GIOOD BARBER FOR SATURDAY' AFTER-
VI noon, Sunday and every evening. 609 Larkin.
GOOD BARBER FOR SATURDAY'; WAGES
VT $3. 32 Third st.
ARBER FOR SATURDAY. CALL 105
ARBER FOR BATURDAY AND SUNDAY.
1229 Dupont st.
ARBER TO-DAY; $3; BOARD. APPLY 412
ARBER FOR SATURDAY AND SUNDAY;
good wages. 1602 Folsom st.
BARBER SATURDAY AND SUNDAY;
steady. 629 Union st.
BARBER WANTED FOR SATURDAY. 2140
WANTED-BARBER FOR SATURDAY AND
" Sunday. 237 Vi East st.
WANTED— BARBER FOR SATURDAY.
TT 10653,4 Folsom st.
"ANTED— A GOOD GLASS BEVELER. 103
»' Mission st.
WANTED— A WORKER IN SHEET IRON.
»' Apply at 332 Bay st.. oetween 8 and 9. to-day.
DISH WASHER ; YOUNG OR MIDDLE-AGED
man; $16. 334 Bush st. .
MEAT-CUTTER AT THE BLOCK; CALL
early. 439 Hayes st. , ■
WANTED— GOOD WAITER. APPLY 15
'» Stockton st. ■ .
rpRAVELING VIEW PHOTOGRAPHFR
X wants ,an active, temperate and reliable man
with $50 to take half interest in view business:
references. Address Photographer, box 5. Call. •
JIVE MEN WANTED AT ONCE TO HANDLE
. a B^lS mer article; pays $3 50 a day. Apply at
store, 328 Seventh st.
OOD PAYING LAUNDRY OFFICE AND
r 6-chair barbershop; good reasons for selling;
investigate to-day ; $225. 137 Third street.
(jV^n' PARTNER WANTED IN ~ LIOHT
iipJ-«JU. business suited to plain, steady man,
satisfied with $15 to $18 per week; trial given be-
fore buying. 5 Stockton st., room 1, top floor.
NO. 1 SOLICITORS FOR CLOTHING AT
popular prices: com. HUTT, 212 Mason st.
OAA VOLUNTEER SINGERS— IMMEDIATE-
£\J\) ly. J. W. MrKKN/.li:. 524 Eddy st.
\\r ANTED— A FIRST-CLASS OPERATOR ON
1* a Troy body ironer. Apply at San Jose
Laundry, San Jose.
BOOKKEEPER, LADY OR GENTLEMAN:
salary $150; must invest about $3000; well
secured. R.. box 101. this office.
ANTED — CARRIAGE WOODWORKER.
11 B. GRAVE CO., 421 Pacific st.
SOBER MAN AS PARTNER; PAYING COR.
saloon; experience not necessary. 833 Howard.
17t REE BEER: BEST IN CITY; 2* SCHOONERS
X 1 for 5 cents at 228 Pacific st.
ANTED- 1000 MEN TO EAT BEEFSTEAK
11 with bread, butter, potatoes and coffee, for sc,
at 635 Clay st.
\\' HAT CHEER HOUSE, 529 SACRAMENTO
11 St.; 100 outside rooms: best spring beds; single
rooms 20c a day ; $1 a week: meals. 10c.
QOI ELLIS, ROSEDALE— ROOMS i:sc TO 50c
« r »— . 1 a night; $1 to $3 a week; open a!I night.
WANTED-MEN TO GET BOTTLE SHARP
11 Ft earn beer, ,"»■■. bottle wine, sc. 609 Clay st.
EN'S SHOES V2-SOLED, 40c: HEELS, 25c;
done in 15 minutes. 635 Kearny St., basement.
r; DISHES CONSTITUTE THE BEST 10c
i dinner on earth at 44 Fourth st.
~^7\C\ PAIRS MEN'S GOOD SHOES. 25c TO $1.
t)UU 562 Mission St.; also 631 V2 Sacramento si.
/^UTTERS AND tailors to ATTEND THE
\J S. F. Cutting School, 12 Montgomery, ran 8-10.
\VAKE~fII_ DEAD — WENZEL'S ALARM
IT clock: no electricity. 607 Montgomery st.
Air ANTED— LABORERS AND MECHANICS
IT to know that Ed Rolkin, Reno House proprie-
tor, still runs Denver House, 217 Third St.; 150
large rooms: 25c per night $1 to ?3 per week.
"DEMOVED 706 TO 726%, OPP. 'HOWARD-
It st. Theater: also 116 to 418 Fourth St.; best
place in the city for new and second-hand shoes.
"Iir ANTED— SINGLE ROOMS, 15c A DAY; $1
II week: rooms for two, 25c a day, $1 60 a week;
reading room- daily papers. 36 Clay sU _____
SHOES HALF-SOLED IN 15 MINUTES
while you wait at half usual price. 959 Howard.
IAAH£.\ TO LODGING AT 10c, 150
XUU and 20c a night, including coffee and roils.
C24 Washington st., near Kearny.
LINDELL HOUBB, BTB AND HOWARD—
XJ 6ingle furnished rooms, 75c week, 15c night.
QHOES HALF-SOLPJD IN 10 MINUTES:
O done while you wait: at less than half the usual
price: all repairing done at half price: work guar-
anteed. 562 Mission st., bet. First St. and second St.
EST IN CIT SINGLE ROOMS, 15, 20 AND
26 cents per night; $1, $1 25, $1 50 per week.
Pacific House .Commercial and Leidesdorft sts.
TRY ACME HOUSE, 957 MARKET" ST., BE-
low Sixth, fora room; 25c night; $1 week.
f A WEEK'S NEWS FOR 5 CENTS — THE
j\. WEEKLY CALL, in wrapper, for mailing.
T\72in ; E^TTTRsf^LASS CANVASSERS
11 to sell the best article on the market in interior
towns; references required. Inquire from Bto 10
a. m., 2 to 6 p. m., at 10*20 Castro st.
TIT ANTED TO-DAY— LIVE CANVASSERS
»' to introduce horse and stock book. ED-
WARDS 7 City nail avenue. .
A CTIVE PA RTNER~WITH"~fTcSob CASH ;
A half Interest in manufacturing business worth
$3000 per year given. Address Manufacturer, Call
BY TOUNO MAN AND SISTERrTSTTN^A
plain family where there are other little girls.
Address Board, box 19, Call omce.
T " h?bljrd7au^t7one^r7payscash'for
J i . furniture and nil kinds merchandise. 10 Fulton.
KLEIN, 109 SIXTH ST., PAYB^SoODPRIC_S
iothmg hooks and jewelry : ostal.
MORNING CALL CA I? rTehT \S COLLECTION^
book. Return G. WINTELER, Call Office; re-
T OST-ON KEARNY ST., LADY'S GOLD
JJ watch and fob: Initials M. M. on case of watch.
Finder please return to 723 Montgomery ave. and
OST— LADY'S SOLITAIRE BREASTPIN,
bet. Shrader st. and Shell Mound Park. Finder
return to MRS. J. G. HASSH A GEN, 2200 Grove
St.. near Stanyan, and receive $35 reward.
I~ OST — MASONIC KEYSTONE. MARKED
SJ H. J. FISHER. Suitab.'e reward by returning
to 1 808 Powell st. .. .....
LOST— A PASSBOOK WITH THE HIBER-
nIa Savings and I.onn Society of San Francisco,
in the name of ELIZABETH KOENIG, No. 193-
-1293. The finder will please return to bank.
LOST— A PASSBOOK WITH THE HIBER-
nIa Savings and Loan Society of San Francisco,
in the name of THOMAS CREAN V, No. 157-384.
The finder will lijensi- return to hank.
call 610 Fo'.som, 8 P. m.
~L"*OUND— FOX-TERRIER BITCH. OWNER
-I can have same by paying expense and calling I
at 7 Filbert place, off Union st.. near Kearny.
PIANOS. VIOLINS, ETC.
BARGAINS IN NKW AND AND PIANOS;
Hazciton, Brown A Simpson, Mozart, etc. -. hard-
times prices; Installments. EATON, 735 Market st,
ifilQ^ EASTERN PIANO; ALMOST NEW;
<IP-I-^I<J. $5 installments. 221 Lcavenworth st.
G' EORGE F. WELLS, SOLE AGENT FOR THE
VJ" Mathushek pianos; sold on very easy install-
ments; pianos rented. 1860 Market st.
\ N EXCELLENT OPPORTUNITY-PIANOS
■£*- sold upon a new rent-contract plan: please call
and have it explained; the easiest terms ever
offered for procuring a fine piano; full-size new up-
rights from $150 upward. SHERMAN, CLAY _
CO., corner Kearny and Sutter sts.
UST BE SOLD THIS WEEK; UPRIGHT
liX piano; $70. Room 21. 809 Market st.
OPLENDID UPRIGHT PIANO SACRIFICED
O by owner for $170. Room 10, Flf.od Dulldfng.
G'i RE AT BARGAINS IN SECOND-HAND PI.
r anos at SHERMAN, CLAY & CO. 'S, cor. Kear-
ny and Sutter sis.
ASY TERMS: LOW PRICES. KoHLKR _
ipEW ELEGANT UPRIGHTS, STANDARD
makes, almost new, half original coot; see at
once. F. W. SPENCER _ CO.. 721 Market st.
BY' RON MAUZY, 308 POST HOHMER7
Newby «fc Evans, Brings and other piano.v
TEINWAY UPRIGHT; SLIGHTLY USED-
grand tone; halt-cost. SPENCER, 721 Market
SUPERIOR VIOLINS, ZITHERS, OLD A NEW
H. MULLER. maker, repairer. 2 Latham place.
<n» £* a FRENCH UPRIGHT; $165 WEBER
<IPV/V/. upright square pianos from $50 upward,
easy terms. Fay's Piano Factory, 1729 Mission st.
\\ M. G. BADGER. WITH KOHLER <fc CHASE
>T 26. 28 and 30 o'Farrell St.
H~ ARP BY SEBASTIAN ERARD; DOUBLE
action and elegantly flnshed; Is found with
difficulty anywhere; a nice selection is at present
exhibited by SHERMAN, CLAY _ CO.
STECK. OHICKER ING 4 SONS., VOSE AND
Sterling pianos sold on $10 installments. BENJ.
CURTAZ & SON, sole agents, 16-20 O'FarreU st.
2 SECOND-HAND UPRIGHTS, WITH OUR
guarantee; $125 each. Ma UVa 15.769 Market.
HOME INDUSTRY— HEMME& LONG PIANO
CO., 340 Post; pianos sold on installments-
send lor illustrated catalogue.
BETTER AND EASIER PLAN TO BUY A
gooct piano by renting. Be careful to go to
KOHLER _ CHASE'S, 28 and 30 O'Farrell st.
DECKER BROS.. STEIN W AY, FISCHERAND
other first-class makes of pianos: little used-
cheap .for cash, or on easy terms. KOHLER *
CHASE, 28 and 30 O'Farrell st. *>-"«^« «
Cj*st££Wl Ay ;}\ liK *' 1 IN AMERICA-THE
V. -££ CALL, sent to any address in the
United States or Canada one year forSl 50 nost-
*gc free. ■;■••**
OR SAL K-MIS CEL L ANJEO U S.
T7IREBH _OLCH COW WITH FIRST
-L 7 to 8 quarts: also mother: same quantity'-
reasonable. CHARLES HARKINS, Twenty-
fourth and Bryant sts. J
FRESH MILCH cows FOR SALE; GOOD
■4 for family use. Apply 215 Linden st.
T7<OR SALE— CHEAP, A SECOND-HAND SAFE
c&££sZs£mi™ i7 l ° J K FIELDS - 109
G1 AS ENGINE— 3 TO 6 HORSEPOWER; USED
V.T fi months; perfect order. At WEMPE BROS '
573 Market st. '
POOL TABLE AND BAR COUNTER. 118
X Washington st.
SAFE FOR SALE: FIRE AND BURGLAR"
_ proof. T. HURLEY, room 95, 305 Larkin st.
ilsh ir e SAFE, LETTER-PRESS, SCALE,
ii coffee-mill and money-till; cheap. 102 Clay st.
Al LOT OF EASTERN STANDARD MAX
of safes which have been taken in exchange
as part payment for the Waltz safes, as follows:
3 burglar-proof bank orcoln safes, 7 jewelers' safes,
8 pawnbrokers' safes. 13 merchant safes: fire and
burglar proof: all sizes; at less than half cost; see
them before you order. The Waltz Safe Salesroom,
221 and 223 Market St., factory 13 and 15 Drumni
St., San Francisco. Cal.
"ATEW RANGES CHEAPER than SECOND-
-H hand. ■ W. S. RAY Mfg Co., 12 California st.
COUNTERS, SHELVING, SHOWCASES
housht and sold 1121% Jtarket beu7thandBUi
genuine magnetic treatment; rheumatism. 132
six: st.. room 23.
/CABINET, ELECTRIC, STEAM baths, 50c;
\J chronic and acute diseases treated, $6 a month
up; solar bath $1; oxygen used, at DR. HAKIM-
MAN'S Sanitarium, cor.Tweltth and Mission, 1534.
I~>INE SUITS. $15: DRESS PANTS. $4 75.
1 Misfit Clothing Parlors. 518 Montgomery st.
A DVICE FREE— DIVORCE, PROBATE LAWS
J\. a specialty: suits, Superior. Justice, Police
Courts; terms reasonable: collections, etc. 0. \v.
HOWE, atty-at-law, 850 Market cor. Stockton.
BICYCLE SUITS, LADIES* OB GENTS', TO
order; low prices. HUTT, Tailor, 212 Mason
MI 88 ARMSTRONG, GENUINE VAPOR AND
ill electric baths. 121 Montgomery St., room 6.
TTALIAN DINNER OR SUPPER WITH WINE
-I and cognac. 25c. 118 Washington st.
fl»lO8UlT8 TO ORDER; SAMPLE BY MAIL.
<3DX^i NKlliAfs. Merchant Tailor, 115 Kearni .
ATEW HIGH - GRADE BICYCLE ON THB
Xl coast; large stock: agents wanted in every
town; cycler! attention. Address Majestic Bi-
cycle Agency, 2120 Point Lobos ave., S. F.
DK. J. MILTON BOWERS Has RETURNED
and resumed practice at 113 Powell st.
AVE MONEY — LADIES, FOR A WELL
made tailor suit, or fine cape or jacket, visit the
St. Louis Wholesale Branch Store. 1152 Market st.
T A VERITE HAIR-DRESSING BAZAAR RE-
XJ moved to Grant are., Market and O'Farrell sts.
rrr CENTS PER DOZEN FOR CABINETS
I O fail length, at GODEI S'An Studio, 10 sixth!
DRESSES CUT AND FITTED, $3; DRESSES
popular prices: engagements by day. 11 Geary.
TTAIRDRESSING.2Sc.ANV STYLE; lst-CLAS^
XT. shampoo, 50.-.: Pioneer Hair Store! BERTHA
SPITZ, 11l Stockton st. ; strictly one price only.
HIGHEST PRICE PAID - FOR • CAST-OFF
clothlng.books, novels. RAPHAEL, 247 4th st.
WHITEWASHIM. MACHINE AND BRUSH
u-VtTT.t V'n Vl^' 1: , contra "iken. WAIN-
WKU.HI, I4bo Market: machines sold or hired.
HOME AGAIN ; WRECKERS: OF. HIGH
-ii prices; fine suits, «i5 ; dress pants, $4 7,-,-
-overcoats. $2 95. Misfit Clothing Parlors, 513
Montgomery st., cor. Commercial, upstairs.
INGLE BOTTLE OF SMITH'S DANDRUFF
VJ Pomade is guaranteed to cure an case of dan-
druff or falling hair or money refunded: never
O fTir tO P tr £ U - By all " rU^ IStS Price »1, or
SMITH BROS., Fresno, Cal. ,
OECOND-HAND AS WELL AS NEW BARS,
kJ showcases, counters, shelvings, mirrors, desks,
safes. Chairs, scales, etc., and a very large stock of
them, too; be sure and see stock and get prices be-
V.T-'m ln ? 's here. J. noonan; 1017-1019-
-1021-1023 Mission St.. above Sixth.
0-> K MORE: CD- '
Oak Roll Top Desks $14 to $35
Oak Chiffoniers From $10 up
Oak Bed Sets $17 50 up
Oilcloths and Linoleums 30c up
Stoves and Ranges.. $3 up
Thousands of bargains. We keep everything.
Cash or time pa vn, pi i- . J. NOONAN,
1017-1019-1021-1023 Mission st., above sixth.
HEADQUARTERS LONG I DISTANCE TELE-
XX phones. cheap: send for prices. Klein Electrics
Works, 720 Montgomery St.. San Francisco. CaL
QUIET PLACE FOB LADIES TO TRADE IN
v^ stocks and grain; large monev made on small
Investment. WHEELOCK & CO., 318 Pine R 3.
ril.OAKs, CAPES AND SUITS RETAILED AT
\J mils' cost. Factory, 20 Sansome St., upstairs.
KINSTOSCOPES SALE; PHONOGRAPH
outfits bought for cash. Baclgalupi, 946 Mkt.
OLD BUILDINGS BOUGHT AND SOLD,
store-fixtures, doors, windows, lumixr, pipe,
etc; cheap. Yard 1166 Mission st.. nr. Eighth.
GAS FIXTURES AND PLUMBING. 623
Golden Gate ave. H. H U FBC HMI I)T.
OLD GOLD, SILVER, GENTS' AND LADIE*
clothing bought. COLMAN, 41 Third st.
"UriNDOW SHADES MANUFACTURED TO
ii order bv- WILLIAM McPHUN. 1195 Market.
* WEEK'S NEWS FOR 5 CENTS— THB
-A WEEKLY CALL, in wrapper, for mailing.
* NEW PROCESS- No MKniclNi;" instru-
-M. ments or worthless pills used; every woman
her own physician for all female troubles; no mat-
ter from what cause; restores always in one day;
if you want to be treated safe and sure call on men's
physician ;knowledge can be senufcuser! at nome;aU
cases guaranteed. DR. POPPER, 818 Kearny st.
A SURE AND SAFE CURE FOR ALL FE-
-Ti- male diseases; ladies may have the benefit of
the skill and intention of a physician of long and
successful practice; a home In confinement with
best possible care, with the privacy of a home and
the convenience of a hospital: those who are sick
or discouraged should call on the doctor and state
their case, they will find in her a true friend; all
consultation free and absolutely confidential; a
positive cure for the liquor, morphine and tobacco
habit; every case guaranteed without injury to
health. MRS. DR. GWYER, 226 Turk at., bet.
Jones and Leaven worth.
RS. GOODWIN, SPECIALTY DISEASES OF
women; ladies near or far assured quick relief
of disease; irregularities restored daily; asfe enre
guaranteed: no Instruments: borne in confinement ■
best skill; low fees; pills $2. 1370 Market st.
[JIHEE OF CHARGE— TO ANY ONE SENDING
J their name and address to B. T., Call Office, box
111, I will send a positive cure for cystitis or blad-
der trouble, no matter how long standing.
DU-PBAE- FEMALE REGULATING PILLS;
safe and efficient emmenagogue; $1 per box.
RICHARDS _ CO., druggists. 406 Clay St., solo
i ) h i: m a TiSM, NEURALGIA, GOUT— spl
it cial attention given to these diseases. J. A. Mo-
DONALD, M.U., 1236 Market st. Hours 2 to 4
and 7 to 8 p. m.
T~A D I ES-CHICHESTER'S ENGLISH PEN-
XJ nyroyal Pills (Diamond Brand) are the best:
safe, reliable: take no other; send 4c, stamps, for
particular*, -Relief for Ladies," in letter by return
mail: at druggists. Chichester Chemical Company
"TEL FEMALE IRREGULARITIES RE^
-t\- stored in one day: no instruments: French
remedies guaranteed at any time: consult free.
MRS. DR. WYETH, 916 Post st., near Larkin.
DR. RICORD'S PILLS: EXPRESS S2 50: SAFE,
sure, reliable: Ricord's specialties, females.
Maison et Cle, Agts. ROOT'S, sixth and Howard.
AUBET'S APHRO TABLETS-THE GREAT
modern remedy for the cure of neurasthenia,
lmpctency, and all disorders of the sexual organs:
$1 a box; 6 boxes $5; send for circular. J. H.
WIDBER, cor. Market and Third, sole agent.
ALL LADIES IN TROUBLE CONSULT THE
-tv only reliable- specialist in San Francisco; in-
stant relief: $500 paid for any case I cannot cure;
board; skillful attention during confinement spe-
cial attention to diseases of the eye; advice free-
confidential. MRS. DR. SCOTT, lioy 3 Turk St.
A I !.s. in.. WEGENER, PRIVATE HOME
-ill- lor all female diseases; separate homes for la-
dit-s before ana during confinement; have enlarged
and arranged my home tasuit rich and poor; ir-
regularities cured in a day. guaranteed ; no Instru-
ments; regular physicians of long and successful
practice: travelers attended: no delay: all business
strictly confidential; babies adopted. 419 Eddy st.
Y>OSITIVE, GUARANTEED CURE FOR IR^
X regularities; used for years in private practice
with invariable success even In most aggravated
cases: easy to take; perfectly natural in action-
no pain, exposure or danger; cures In two days-
sent securely sealed on receipt of $3 or C O D •
strictly confidential. Address DR. J. MILTOV
BERGETOLE, P. O. box 2223, S. F. °
""T\R. AND MRS. DR. SCHMIDT. FORMERLY
XJ of 1211 Vi) Mission, now 1608 Market St. ; month-
y irregularities cured In a few hours; guaranteed-
no instruments used : sure preventive.
1 Alt. HA LL, 14 McALLIS TK R, second floor,
XJ next Hibernia Bank: diseases of women.
PRIVATE HOME IN CONFINEMENT- OER-
X man midwife. MRS. POWELL, 1810 Mission.
AT ICE PRIVATE HOME IN CONFINEMENT
». , , t ., l .'! P nlo ' !r reasonable price in the city. Mils,
M. PFEIFFEK, midwife, 2014 Folsom su
"I F IRREGULAR Oh ANYTEMALE DISEASE
- 1 - see Mrs. Dr. Puetz and be content. •_'."> 1 1,2 ith.
A LPEAU'S FRENCH PILLS.
-n. A boon to ladies troubled with irregularities;
no danger; bafe and sure; $2 50. express C. O. D.:
don't delay until too late. OSGOOD BKOS, Oak-
land, Cat agents for Alpeau et Cie.
LEON, PALMIST. CLAIRVOYANT. LlFE-
reader, 533 Post: hours 9 to 8 dally; also sun-
\f ME. MOREAU— GREAT AND ONLY 3lK-
■l*l. dinm; give her a call: fee 25c. 131 Fourth .st.
GREAT CLAIRVOYANT AND CARD-READ-
er: Mine. S;ewart from Boston; seventh daugh-
ter of the seventh daughter; has read cards since 11
years of age ; ladies or gfnts 50c. 917 Market, r. 3-4.
MME. PORTER, CARD-READER ; LADIES
50c: gents $1; palmistry and clairvoyant; si:-
tings $1 50. 210 Turk st., near Jones. "
PRESENT, PAST AND FUTURE. 25c. MME.
J ■ LEGETTE, 311Tehama at., upstairs.
ME. DR. THOMAS, SCIENTIFIC REVKAL-
er by eggs and carls (in English orGerman)tc<li
entire life, past, preset, future; consultat-ons on
all affairs, nothing exeepted; names Riven: good
advice; sure help: restores lost love by sympathy:
mistake impossible: fee $1; letter $2. 30 Kearuy.
ADGUSTA LEOLA, FORTUNE TELLER;
mafic charms: love tokens; true picture of
future wife and husband; teaches fortune-
develops clairvoyance, slate writing, etc.; has the
seven holy seals and the Palestine wonder charm-
fee $1 and upward. 2326 Mission, nr. Twentieth!
rip EST CIRCLE TO-NIGHT^ 10c~ MV?
1 YOUNG, 605 McAllister; ». tides read.
VI RS. SHEEHAN, SPIRITUAL MEDIUM-
- B'7 ^On^ryker y ker s e t dDeS(lay and FrPd£ M 8
■Vfßs. DR. S. E. B. REYNOLDS. THE WELL-
Af healer; tofa_sco and ateo_tft enred. &M Pace.
VI RS s. HEAL-SPIRITUAL MEDIUM: IM'T
AlTisie'rT Clr ' Wed ' b F ' M - : Thunl " ™ '«•"
ASTROLOGY. —— •
A STRAL SEER-PROF. HOLMES, 523OEARY
-*■■»- St.; horoscopes, questions, stocks, advice.