This is a cabinet card, named such because you would have displayed it in your cabinet, possibly in your front parlor. I have been doing a little reading about how to date Cabinet Cards since there were a number of them in my box of forgotten photos. Cabinet Cards are a little confusing, perhaps after I have dated at few of them things will become clearer, or not. I found out that the Photographer T.M. Swem from Lima, Ohio and who was in Missouri for a short time, had a studio in St Paul, Minnesota from 1882 to 1899. In 1900 he relocated to Fargo, ND..he was on his way west and stopped to visit friends in Fargo and stayed for thirteen years before moving on to Medford, OR.
So although I know nothing else about this lady, I know she sat for a photo sometime between 1882 and 1899 in St Paul, Minnesota. That is an eighteen year window on this one. Perhaps her clothing, especially the really puffy sleeves and that "thingy" around her neck will give someone a clue.
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Head and Shoulders shots.. Size of head is 1 1/2 inches wide ..equals 1866 to 1875
Embossed Studio Name ..equals 1890 to 1906
Single gold rule 1866-1880
Nothing was "Fitting" with this card.. until I found out the photographers info.
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Cabinet Cards first appeared in the United States in 1866 , they are rarely used after 1906.
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Update: Pamela says : FICHU! It is a Fichu! Referring to the "thingy" around her neck!