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Bond Requirements for California Contractors Licensing
 
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Many contractors are under the false assumption that a bond is similar to insurance since they are typically purchased from an insurance company. In reality, bonds are more like a line of credit that must be repaid if the bond is redeemed by a consumer. The purpose of a bond is to indemnify the consumer which is also the purpose of some types of insurance. However, a bond is not insurance. For more information please view the links below: https://contractorsinsurancecompany.com/ https://contractorsinsurancecompany.com/contractor-surety-bonds/
What is LOAN SERVICING? What does LOAN SERVICING mean? LOAN SERVICING meaning & explanation
 
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What is LOAN SERVICING? What does LOAN SERVICING mean? LOAN SERVICING meaning - LOAN SERVICING definition - LOAN SERVICING explanation. Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Loan servicing is the process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal and escrow payments from a borrower. The vast majority of mortgages are backed by the government or government-sponsored entities (commonly referred to as "GSE's") through purchase by Fannie Mae, Freddie Mac or Ginnie Mae (which purchases loans insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA)). Because the GSE's and private loan investors typically do not service the mortgage loans that they purchase, the bank who sells the mortgage will generally retain the right to service the mortgage pursuant to a master servicing agreement. The payments collected by the mortgage servicer are remitted to various parties; distributions typically include paying taxes and insurance from escrowed funds, remitting principal and interest payments to investors holding mortgage-backed securities (or other types of instruments backed by pools of mortgage loans), and remitting fees to mortgage guarantors, trustees, and other third parties providing services. The level of service varies depending on the type of loan and the terms negotiated between the servicer and the investor seeking their services, and may also include activities such as monitoring delinquencies, workouts/ restructurings and executing foreclosures. In exchange for performing these activities, the servicer generally receives contractually specified servicing fees and other ancillary sources of income such as float and late charges. Mortgage servicing became "far more profitable during the housing boom", and some servicers targeted borrowers "less likely to make timely payments" in order to collect more late fees. Servicers (servicing companies) are normally compensated by receiving a percentage of the unpaid balance on the loans they service. The fee rate can be anywhere from one to forty-four basis points depending on the size of the loan, whether it is secured by commercial or residential real estate, and the level of service required. Those services can include (but aren't limited to) statements, impounds, collections, tax reporting, and other requirements. Companies recognize servicing rights as distinct assets or liabilities when ownership of those rights is contractually separated from ownership of the underlying loan. The value recognized for servicing rights is based on the net present value of the expected cash flows received from servicing less the amount that would be required to adequately compensate a servicer (this incorporates an expected cost of servicing plus a profit margin required by market participants). The value of servicing assets or liabilities is highly interest-rate sensitive due to the relationship between interest rates and expected prepayments (i.e., loan refinancings). This is because when a loan is refinanced the servicing fees and other benefits of servicing cease, making the value of these assets extremely volatile. For this reason, companies that hold large amounts of servicing rights tend to hedge the value of those servicing rights using interest rate sensitive derivative instruments such as interest rate swaps and swaptions.
Views: 2993 The Audiopedia
California Performance Surety Bond | California Bid Bonds | Surety Bonds Los Angeles
 
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323-400-6700 http://www.cisburbank.com/ Call Now For Free Consultation. http://www.twitter.com/Mattcis https://www.linkedin.com/in/matthew-rogers-8a774b4/ https://www.facebook.com/Contractors-Insurance-Solutions-CIS-454229334650080/ California contractors insurance broker for Contractors Insurance Solutions Inc. #cisBurbank #CaliforniaContractorsInsuranceCISBurbank CIS Burbank What is a contract surety bond? A bond in place when you sign a contract, with a city or state, to protect the public money, or taxpayers’ money. For public works, When bidding on a job, they will ask you for your bid bond. Normally set up for 10% of the bid amount. Bid bond will roll into performance and payment bond. How to start the process? Put together an application with a bonding company to determine your bondability. This will help you determine if you qualify for the size of job. You will start small and build up in your bonding. According to your financial health and experience. Maybe you will be approved for $100,000 bond. You could break it up among more than 1 job (example 2 jobs of $50,000 each). It takes time to get your bonding set up. At least 1 week to do application and submit it to the bond company and wait for their underwriter review. You will submit the bids to the bond company for review. Sometimes the city’s wording is not quite right. You can work through the process to meet the deadline. I hope this helps you learn about the process of bidding on public works. Are You Looking For Contractors Surety Bonds? Do You Need General Liability Insurance As A Contractor In Los Angeles? Are You Looking For Contractors Workers Compensation Insurance? We At CIS Are Also General Contractors And We Understand Your Needs. Call Now For Free Consultation. 323-400-6700 surety bonds in Los Angeles insurance for electrical contractors in Los Angeles construction liability insurance in Los Angeles general liability insurance for general contractors in Los Angeles best price for contractors insurance in California surety bond companies in Los Angeles construction surety bond companies in Los Angeles contractors general liability insurance California buy contractor surety bonds in LA insurance for contractors Los Angeles contractor license disciplinary bond LLC Employee/Worker Bond insurance for contractors in San Diego insurance for contractors in San Francisco insurance for contractors in West Hollywood construction liability insurance in Los Angeles surety bonds in San Diego surety bonds in San Francisco surety bonds in West Hollywood 2600 West Olive Avenue 5th Floor STE 591 Burbank, CA. 91505
Views: 104 CISBURBANK
California License Surety Bond | Contractor License Bonds in Los Angeles | License Bonds California
 
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323-400-6700 http://www.cisburbank.com/ Call Now For Free Consultation. 323-400-6700 http://www.twitter.com/Mattcis https://www.linkedin.com/in/matthew-rogers-8a774b4/ https://www.facebook.com/Contractors-Insurance-Solutions-CIS-454229334650080/ California contractors insurance broker for Contractors Insurance Solutions Inc. #cisBurbank #CaliforniaContractorsInsuranceCISBurbank CIS Burbank What is a license bond? What is a license surety bond? Why do I have to buy one? It is set up by the contractor’s board to protect the consumer. The contractors board is set up under the Department of Consumer Affairs. It protects the consumer from being robbed or having something stolen or having problems when they are working with contractors. The $15,000 license bond protects the consumer in case there is a problem. It is a line of credit, it is NOT insurance. If there is a claim, you have to pay it back. I recommend you do everything you can to stop someone from making a claim on your bond. You could send someone else in to take over the situation, or give the customer their money back. Once you have a claim on your bond, it makes it very difficult to get another one because statistically it shows that you have a higher risk of getting another claim. Qualifier bond If you have someone qualifying for your license, taking the test for you to get your license, that person will need a bond if they don’t have ownership of your business. Many times, if the person has at least 10% ownership, this bond requirement can be waived. This type of bond is common when you have an employee as the qualifier for your license. LLC Bond If you decided to get an LLC license, you will be required to get an LLC Employer Worker Bond. This protects the employees in case for some reason you don’t pay your employees. Disciplinary Bond Sometimes contractors have a disciplinary problem that s on the board website, and the Board may require you to get a disciplinary bond to be active. It typically needs to be active for 2 years. This is a bond that is on top of your contractor license bond. It means you have 2 bonds in place to protect the consumer, because there has already been a complaint against you. These types of bonds are called Commercial License Bonds. I hope this gives you more information and helps you understand more about bonds and how they work. surety bonds in Los Angeles insurance for electrical contractors in Los Angeles construction liability insurance in Los Angeles general liability insurance for general contractors in Los Angeles best price for contractors insurance in California surety bond companies in Los Angeles construction surety bond companies in Los Angeles contractors general liability insurance California buy contractor surety bonds in LA insurance for contractors Los Angeles contractor license disciplinary bond LLC Employee/Worker Bond insurance for contractors in San Diego insurance for contractors in San Francisco insurance for contractors in West Hollywood construction liability insurance in Los Angeles surety bonds in San Diego surety bonds in San Francisco surety bonds in West Hollywood 2600 West Olive Avenue 5th Floor STE 591 Burbank, CA. 91505
Views: 131 CISBURBANK
The Nuts & Bolts of Import/Export for Small Businesses
 
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Visit www.aaari.info for full video. The Nuts & Bolts of Import/Export for Small Businesses Navigating Rules and Regulations Experts will identify key obstacles faced by small business in import/export including compliance, legal, logistics, customs and financing issues, and explain how to overcome them. This is an imperative to avoid loss of time and profit. Moderator: Lene Skou, Deputy Director, Weissman Center for International Business - Baruch College/CUNY; and Board Member, Asian American / Asian Research Institute - CUNY Panelists Rennie Alston, Licensed Customhouse Broker, Alston Group Charles Dugan, Vice President, Global Trade Finance, TD Bank Amy B. Goldsmith, Esq., Principal, Gottlieb, Rackman & Reisman, P.C.
Views: 1334 aaaricuny
Dr.Zakir Naik - Is Insurance Allowed in Islam?
 
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Is Insurance Allowed in Islam? answer by Dr.Zakir Naik.
Views: 185793 salman
About Corporate Insight
 
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Corporate Insight provides financial companies with unmatched research on the customer experience and unusually informed competitive intelligence. While our clients cover the spectrum of financial services, our expertise focuses on brokerage, mutual funds, banking and credit cards, and annuities. No one else does quite what we do. Our uniqueness lies in the blend of our uncommon research approach with the wide variety of company functional areas that utilize our services. For more information, visit us at www.corporateinsight.com
Views: 822 CorporateInsight
gain money
 
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Lodge your investment complaint - SEBI Complaints Redress System (SCORES)
 
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SEBI Complaints Redress System (SCORES) is a one-stop digital solution for lodging all the investment related complaints and resolving all the consumer grievances.
Views: 1010 ncfeindia
Excel Magic Trick #184: Setup Database in Excel
 
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See how to create a simple database in Excel using the List or Table feature. A simple database can be created in Excel using the Excel 2003 "List" feature or the Excel 2007 "Table" feature. Fields names must be in first row (no blanks). Records are in rows (no blanks). Other data in the sheet cannot be next to the Table/List (at least one blank row or column between other data and the Table/List Keyboard shortcuts: Excel 2003 List: Ctrl + L. Excel 2007 Table: Ctrl + T. The ranges are dynamic: formulas, pivot tables, charts will all automatically update
Views: 920974 ExcelIsFun
Exploring the economic realities of cybersecurity insurance | Salted Hash Ep 43
 
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Guest host Juliet Beauchamp talks with senior writer J.M. Porup about the newly created cybersecurity insurance industry, and how a policy could fit into an organization’s overall security strategy to help minimize risk. Follow Network World for the latest networking updates! ------------------------------­---- SUBSCRIBE: http://www.youtube.com/subscription_center?add_user=networkworld FACEBOOK: https://www.facebook.com/NetworkWorld/ TWITTER: https://twitter.com/NetworkWorld WEBSITE: http://www.networkworld.com/video/
Views: 128 IDG TECHtalk
New, Auto, Home, Life, Business,Insurance, D.M.V. Services, International driver license,
 
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HELLO THIS IS THE NEW VIDEO OFFERED ALL SERVICES FOR TRUE WAY INSURANCE AGENCY, AUTO, HOME, COMMERCIAL, BUSINESS ,LIFE, DMV SERVICES, INTERNATIONAL DRIVER LICENSES. AND BONDS.
BCIS 5379: Chapter 4: B2B E-Commerce
 
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This is Dr. Schuessler's lecture on Chapter 4: B2B E-Commerce for CIS 579: Technology of E-Business at Tarleton State University. See his personal web site at http://schuesslerphd.com for additional content. Course http://schuesslerphd.com/Teaching/Tarleton/BCIS5379/CIS579.aspx#sthash.7hTIW19Q.dpbs Syllabus: https://docs.google.com/document/d/15-TgiR1BlgtQzmPT5VgH4YNqYEdWdx4AKEtxtn0Y-WE/edit?usp=sharing Presentation: https://docs.google.com/presentation/d/1bevQ4ATZL56KwsgWkre9X6qBqUewx5HHZ3zjgdrum5c/edit?usp=sharing Transcript: https://docs.google.com/document/d/1EiNHyFeg_-MfoSBv7OBDagIub_UNsuPEodzuAWynoLI/edit?usp=sharing
Views: 5128 Joseph Schuessler
Maiden Holdings, Ltd. - MHLD Stock Chart Technical Analysis for 09-12-18
 
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Maiden Holdings, Ltd. - MHLD Stock Chart Technical Analysis for 09-12-18 Subscribe to My MAIN Channel Here: https://www.youtube.com/claytrader/ Free Guide - The 5 Tools I Use To Find Stocks To Trade: https://claytrader.com/lp/Free-Guide-Trading-Tools/?utm_source=social&utm_medium=youtube&utm_campaign=resource%20guide Learn how to read stock charts and identify technical patterns as ClayTrader does a quick stock chart review on Maiden Holdings, Ltd. (MHLD). Watch more MHLD Technical Analysis Videos: https://claytrader.com/stock_chart/MHLD/ The Stock Trading Reality Podcast - https://claytrader.com/podcast/ ClayTrader.com and its employees are not a Registered Investment Advisor, Broker Dealer or a member of any association for other research providers in any jurisdiction whatsoever and we are not qualified to give financial advice. Investing/trading in securities is highly speculative and carries an extremely high degree of risk.
Business Owners Liability Insurance by Smart Move Insurance
 
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Your Scottsdale business deserves quite a bit of consideration when it comes to what insurance coverage to choose. Luckily we are not in 1976 anymore, where business owners had to mix and match policies to acquire semi-adequate coverage for their businesses. Today, low-risk businesses can find affordable, effective coverage with a Business Owners Policy, also known as BOP. BOP is a combination of Liability and Property coverage and generally cheaper than it would be to purchase those policies separately. Liability Insurance usually covers damages done by a business due to its actions or negligence. This may cover medical expenses after someone got hurt on the business property, lawsuits ensuing from alleged slander and libel, for example. Property Insurance covers your business property and the building of your Scottsdale business. This coverage can include items like computers, furniture, equipment and more. Smart Move Insurance: Jessie Mackie 8111 E Indian Bend Rd Ste 2 Scottsdale, AZ 85250 480.397.9525 http://smartmoveinsurance.com/ connect with us: https://twitter.com/smartmoveinsure https://www.facebook.com/SmartMoveInsuranceAZ https://plus.google.com/+SmartMoveInsuranceScottsdale https://plus.google.com/+LeonDame https://plus.google.com/+JessieMackie http://www.pinterest.com/smartmoveinsure/ http://www.linkedin.com/company/smart-move-insurance related pages: http://smartmoveinsurance.com/scottsdale-commercial-property-insurance http://smartmoveinsurance.com/scottsdale-business-owners-policy-insurance http://smartmoveinsurance.com/scottsdale-workers-compensation-insurance http://smartmoveinsurance.com/scottsdale-garagekeepers-legal-liability-insurance http://smartmoveinsurance.com/scottsdale-liquor-liability-insurance Video By: http://myfavoritewebdesigns.com/
asigurari
 
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Views: 256 Cvintet Tera
BCIS 5379: Chapter 3: Retailing in Electronic Commerce: Products and Services
 
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This is Dr. Schuessler's lecture on Chapter 3: Retailing in Electronic Commerce: Products and Services for CIS 579: Technology of E-Business at Tarleton State University. See his personal web site at http://joseph.schuesslerphd.com for additional content. Course http://schuesslerphd.com/Teaching/Tarleton/BCIS5379/CIS579.aspx#sthash.7hTIW19Q.dpbs Syllabus: https://docs.google.com/document/d/15-TgiR1BlgtQzmPT5VgH4YNqYEdWdx4AKEtxtn0Y-WE/edit?usp=sharing Presentation: https://docs.google.com/presentation/d/1zdcUY3kK9Gztd9fn2LxEAf0vTdEboQJmbyw6Fo8ogJE/edit?usp=sharing Transcript: https://docs.google.com/document/d/15wCpt7cRf78U1An6dEdjUbW93u7z9rc8YFOCXb_DzXM/edit?usp=sharing
Views: 3969 Joseph Schuessler
The best Forex brokers. EasyForex (short)
 
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http://www.easy-forex.com/ Страна: Кипр Кредитное плечо: 1:200 Регулируется: ASIC, 246566, CySEC, 079/07 Минимальный размер счета: 25$ Минимальный размер сделки: 0.05 лота Способы расчетов: Skrill (Moneybookers), Банковский перевод, Платежные карты Спреды: 4 пипса на EUR/USD В он-лайне с: 2003 Компания EasyForex была основана в 2001 году. Компания EasyForex является подразделением Научно Исследовательского центра Искусственного Интеллекта, зарегистрированного Московской палатой 12 января 1993 года. Брокер EasyForex сотрудничает с компанией ICVector в организации торговли на международном валютном рынке Форекс. Система EasyForex позволяет вести торговые операции с небольшими суммами. Особенностью торговой платформы Easy-Forex™ является то, что трейдер имеет возможность на несколько секунд заморозить текущий курс покупки или продажи, и при этом не зависеть от последующих колебаний курсов. Country of origin: Cyprus Leverage: 1:200 Regulation: ASIC, 246566, CySEC, 079/07 Minimum account size: $25 Minimum lot size: 0.05 lot Payment options: Credit cards, PayPal Spreads: 4 pips on EUR/USD On-line since: 2003 EasyForex Company took its rise in 2001. EasyForex Company is a division of the Research Center for Artificial Intelligence registered by the Moscow Chamber on January 12, 1993. EasyForex broker cooperates with ICVector Company organizing the international trading at Forex currency market. EasyForex system allows running trading operations in small amounts. The feature of Easy-Forex™ trading platform is that the trader has an opportunity to freeze the current rate of Buy or Sell for a few seconds and do not depend on further rate fluctuations.
Views: 2847 Nice Serials
The Business Society: Business Careers for Business Majors
 
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April 22, 2015 Business faculty will discuss career opportunities across areas including Accounting,Finance, Legal, and Marketing and discuss their experience and recommendations. Exploration of new areas such as Forensic Accounting and Health Information Management will be addressed.
Views: 47 CUNYQueensborough
RapidVisa LIVE! 🔴 - Immigration Q&A S2:E4
 
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Join us live as we answer your immigration questions. We will give away a $100 RapidVisa credit to a random questioner at the end of the stream. Facebook: https://www.facebook.com/RapidVisa/ Instagram: https://www.instagram.com/rapidvisa/ Web: https://rapidvisa.com/ RapidVisa is a document preparation company licensed in the State of Nevada Registration #NVDP201676914. We are not attorneys nor government officials and none of the commentary should be considered legal advice. RapidVisa has helped over 35,000 people from 183 countries get to the USA. Leave your questions below during the stream for a chance to win a $100 RapidVisa credit towards a future service! A random winner will be drawn before the end of the stream.
Views: 701 RapidVisa
SWA Governing Board meeting 7/18/18
 
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SWA Governing Board meeting 7/18/18
CompuServe | Wikipedia audio article
 
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This is an audio version of the Wikipedia Article: https://en.wikipedia.org/wiki/CompuServe 00:03:04 1 History 00:03:13 1.1 Founding 00:05:42 1.2 Technology 00:08:00 1.3 CIS 00:10:20 1.4 Newspapers 00:11:27 1.5 Selling connectivity 00:15:42 1.6 File transfers 00:18:10 1.7 Internet 00:25:38 2 CompuServe UK 00:28:38 3 User IDs and e-mail addresses 00:30:13 4 Custom portals 00:30:53 5 Market share 00:31:21 6 Technology and law 00:34:32 7 WOW! 00:36:41 8 WorldCom acquisition and deal with AOL 00:42:21 9 Post–AOL acquisition 00:48:23 10 2010s versions 00:48:53 11 See also Listening is a more natural way of learning, when compared to reading. Written language only began at around 3200 BC, but spoken language has existed long ago. Learning by listening is a great way to: - increases imagination and understanding - improves your listening skills - improves your own spoken accent - learn while on the move - reduce eye strain Now learn the vast amount of general knowledge available on Wikipedia through audio (audio article). You could even learn subconsciously by playing the audio while you are sleeping! If you are planning to listen a lot, you could try using a bone conduction headphone, or a standard speaker instead of an earphone. Listen on Google Assistant through Extra Audio: https://assistant.google.com/services/invoke/uid/0000001a130b3f91 Other Wikipedia audio articles at: https://www.youtube.com/results?search_query=wikipedia+tts Upload your own Wikipedia articles through: https://github.com/nodef/wikipedia-tts Speaking Rate: 0.8007893220300843 Voice name: en-GB-Wavenet-A "I cannot teach anybody anything, I can only make them think." - Socrates SUMMARY ======= CompuServe (CompuServe Information Service, also known by its initialism CIS) was the first major commercial online service provider in the United States. It dominated the field during the 1980s and remained a major influence through the mid-1990s. At its peak in the early 1990s, CIS was known for its online chat system, message forums covering a variety of topics, extensive software libraries for most computer platforms, and a series of popular online games, notably MegaWars III and Island of Kesmai. It also was known for its introduction of the GIF format for pictures, and as a GIF exchange mechanism. AOL's entry into the PC market in 1991 marked the beginning of the end for CIS. AOL charged $2.95 an hour versus $5.00 an hour for Compuserve, until 1996, when AOL switched to a monthly subscription instead of hourly rates, so for active users AOL was much less expensive. AOL also used a GUI-based client, and while such systems existed for CIS, it only supported a subset of the system's functionality and was purchased separately. In response, CIS lowered its hourly rates on several occasions. The number of users grew, peaking at 3 million in April 1995. By this point AOL had over 20 million users in the United States alone, but this was off their peak of 27 million, due to customers leaving for lower-cost offerings. CIS finally introduced monthly pricing in late 1997, but by that time the number of users leaving all online services for dialup Internet service providers was reaching a climax. In 1997, CIS's parent company, H&R Block, announced its desire to sell the company. A complex deal was worked out with WorldCom acting as a broker, resulting in CIS being sold to AOL. While continuing the original service, renamed CompuServe Classic, AOL also used the CompuServe brand for several low-cost offerings; CompuServe 2000 was a rebranded AOL client with separate services, while CompuServe Dialer was a low-cost dialup ISP. CompuServe Classic shut down in 2009, CompuServe 2000 followed suit in 2011. CompuServe Dialer continues to operate as a Web portal. In 2015 Verizon acquired AOL, including its CompuServe division. In 2017 after Verizon completed its acquisition of Yahoo, CompuServe became part of Verizon's newly formed Oath Inc. subsidiary.
Views: 17 wikipedia tts
Kansas City, MO: Field Hearing on Small Dollar Loans 6/2/2016 (Part 2)
 
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Transcript available for download: http://files.consumerfinance.gov/f/20160602_CFPB_Field_Hearing_on_Small_Dollar_Lending.zip
Views: 327 cfpbvideo
Compuserve | Wikipedia audio article
 
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This is an audio version of the Wikipedia Article: https://en.wikipedia.org/wiki/CompuServe 00:03:00 1 History 00:03:09 1.1 Founding 00:05:37 1.2 Technology 00:07:52 1.3 CIS 00:10:07 1.4 Newspapers 00:11:13 1.5 Selling connectivity 00:15:20 1.6 File transfers 00:17:44 1.7 Internet 00:25:05 2 CompuServe UK 00:28:04 3 User IDs and e-mail addresses 00:29:40 4 Custom portals 00:30:18 5 Market share 00:30:46 6 Technology and law 00:33:52 7 WOW! 00:35:58 8 WorldCom acquisition and deal with AOL 00:41:35 9 Post–AOL acquisition 00:47:28 10 2010s versions 00:47:57 11 See also Listening is a more natural way of learning, when compared to reading. Written language only began at around 3200 BC, but spoken language has existed long ago. Learning by listening is a great way to: - increases imagination and understanding - improves your listening skills - improves your own spoken accent - learn while on the move - reduce eye strain Now learn the vast amount of general knowledge available on Wikipedia through audio (audio article). You could even learn subconsciously by playing the audio while you are sleeping! If you are planning to listen a lot, you could try using a bone conduction headphone, or a standard speaker instead of an earphone. Listen on Google Assistant through Extra Audio: https://assistant.google.com/services/invoke/uid/0000001a130b3f91 Other Wikipedia audio articles at: https://www.youtube.com/results?search_query=wikipedia+tts Upload your own Wikipedia articles through: https://github.com/nodef/wikipedia-tts Speaking Rate: 0.8594879289866404 Voice name: en-US-Wavenet-F "I cannot teach anybody anything, I can only make them think." - Socrates SUMMARY ======= CompuServe (CompuServe Information Service, also known by its initialism CIS) was the first major commercial online service provider in the United States. It dominated the field during the 1980s and remained a major influence through the mid-1990s. At its peak in the early 1990s, CIS was known for its online chat system, message forums covering a variety of topics, extensive software libraries for most computer platforms, and a series of popular online games, notably MegaWars III and Island of Kesmai. It also was known for its introduction of the GIF format for pictures, and as a GIF exchange mechanism. AOL's entry into the PC market in 1991 marked the beginning of the end for CIS. AOL charged $2.95 an hour versus $5.00 an hour for Compuserve, until 1996, when AOL switched to a monthly subscription instead of hourly rates, so for active users AOL was much less expensive. AOL also used a GUI-based client, and while such systems existed for CIS, it only supported a subset of the system's functionality and was purchased separately. In response, CIS lowered its hourly rates on several occasions. The number of users grew, peaking at 3 million in April 1995. By this point AOL had over 20 million users in the United States alone, but this was off their peak of 27 million, due to customers leaving for lower-cost offerings. CIS finally introduced monthly pricing in late 1997, but by that time the number of users leaving all online services for dialup Internet service providers was reaching a climax. In 1997, CIS's parent company, H&R Block, announced its desire to sell the company. A complex deal was worked out with WorldCom acting as a broker, resulting in CIS being sold to AOL. While continuing the original service, renamed CompuServe Classic, AOL also used the CompuServe brand for several low-cost offerings; CompuServe 2000 was a rebranded AOL client with separate services, while CompuServe Dialer was a low-cost dialup ISP. CompuServe Classic shut down in 2009, CompuServe 2000 followed suit in 2011. CompuServe Dialer continues to operate as a Web portal. In 2015 Verizon acquired AOL, including its CompuServe division. In 2017 after Verizon completed its acquisition of Yahoo, CompuServe became part of Verizon's newly formed Oath Inc. subsidiary.
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Auto Insurance New Jersey | Instantly Cut Your Car Insurance Rate By Up to 50% - New Jersey Drivers
 
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Views: 61 Melissa Rogers