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.
Collective memory. 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.