Thank you Indiapaleale and Ohio Susan for your replies.
I am amazed at the response time to my query. The slowest part is with me trying to figure out how to reply.
Indiapaleale,
I will check out the suggested website. Yes, I did peep in the chat room but it was all too much for a learner like me.
Ohio Susan,
The South Carolina Death Index Lily you found seems likely to be the NZ Lily DeCurtoni even though the birth year of 1873 is a little out. NZ Lily was born around 1878.
It puzzles me as to why I have been unable to locate her ( or sister Elizabeth ) under De Curtoni or variants in the three US Census of 1910, 1920 and 1930. Their brothers' and uncle's families were all found in the San Francisco area. I therefore decided that Lily and Elizabeth were married by the 1910 Census.
Could Lily have married but upon her death been registered under her maiden name?
Are there any other explanations for Lily being missing from three census other than her using a married name? There is no record of her ever returning to New Zealand.
KiwiRose