A young woman in a pretty dress poses for the photographer at the studio of Hargrave & Gubelman in New York City, New York. The Post Office Guide (1890) has an advertisement for the studio which indicates that A. J. Hargrave managed the New York City Studio while Theodore Gubelman managed their second studio, which was located in Jersey City, New Jersey. To view other photographs by Hargrave, click on the category “Photographer: Hargrave”.
FASHIONABLE WOMAN IN NEW YORK CITY
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THE CABINET CARD GALLERY 
I just ran across this about Gubelman
http://www.maineantiquedigest.com/articles_archive/articles/gub0199.htm
I found a cabinet card of his and started doing a little research when I discovered the article. Amazing! Especially the last paragraph!