Kitchen updates such as tile flooring, refacing old cabinets and updating appliances to energy-efficient models will see a substantial return--approximately 84.5 percent in the San Francisco area, for instance, according to Remodeling magazine's Cost vs. Value Report for 2009â2010.
What is a 'Collective Investment Fund'. A collective investment fund (CIF), also known as a collective investment trust, is operated by a bank or trust company and handles a group of pooled trust accounts. Collective investment funds groups assets from individuals and organizations to develop a larger, diversified portfolio.
(August 2012) Collective memory is the shared pool of knowledge and information in the memories of two or more members of a social group. The English phrase collective memory and the equivalent French phrase la mÃ©moire collective appeared in the second half of the nineteenth century. The philosopher and sociologist Maurice Halbwachs analyzed and advanced the concept of the collective memory in the book La mÃ©moire collective. Collective memory can be shared, passed on, and constructed, by large and ...