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how to get started on sam gov | there are a few steps to take to start looking for federal assistance on sam gov first you ll need to decide whether you want to register to bid and apply for federal awards or simply obtain a unique entity id without completing a full registration if you want to apply for federal awards or bid on government contracts ... | |
what was the catalog of federal domestic assistance | the catalog of federal domestic assistance cfda was a government wide catalog of federal programs projects services and activities that provided assistance or benefits to a variety of recipients | |
what was the purpose of the catalog of federal domestic assistance | the cfda provided information about federal grants loans scholarships counseling and other forms of assistance offered by the u s government it aimed to make it easier for these recipients to find and access the support they needed | |
does the cfda still exist | in 2018 the cfda was integrated with other government systems a listing of programs from the federal government is now accessible through the assistance listings section of sam gov | |
is the catalog of federal domestic assistance legit | yes the cfda and programs offered through sam gov are sponsored by the federal government however beware of grant scams that may pose as the cfda but are trying to defraud you the government warns that agents claiming to be with the community for federal domestic assistance cfda or a similarly named organization and no... | |
what does caveat emptor mean | caveat emptor is a latin phrase that translates to let the buyer beware it means that an individual buys at their own risk potential buyers are warned by the phrase to do their research and ask pointed questions of the seller the seller isn t responsible for problems that the buyer encounters with the product after the... | |
what is caveat emptor | caveat emptor is a latin phrase that means that buyers are responsible for making sure that a product works to their satisfaction before buying it they must be confident about the product because the seller will be under no obligation to provide a refund for it | |
is caveat emptor wrong | caveat emptor isn t necessarily wrong it s just that it puts too heavy a burden on ordinary consumers to understand the intricacies of certain complex products and services for example most of those offered by financial institutions or tech companies can t be readily understood or even researched appropriately by the m... | |
what replaced caveat emptor | in general caveat venditor has replaced caveat emptor it means that sellers now need to be sure that their products and services function as advertised unless they re told otherwise buyers expect that items have an implied warranty and can be returned for a refund the bottom linecaveat emptor is a latin phrase that tra... | |
what is a central counterparty clearing house ccp | a central counterparty clearing house ccp is an entity that helps facilitate trading in various european derivatives and equities markets typically operated by the major banks in each country ccps strive to introduce efficiency and stability into various financial markets it reduces counterparty operational settlement ... | |
what is the central limit theorem clt | in probability theory the central limit theorem clt states that the distribution of a sample variable approximates a normal distribution i e a bell curve as the sample size becomes larger regardless of the population s actual distribution shape put another way clt is a statistical premise that given a sufficiently larg... | |
why is the central limit theorem useful | the central limit theorem is useful when analyzing large data sets because it allows one to assume that the sampling distribution of the mean will be normally distributed in most cases this allows for easier statistical analysis and inference for example investors can use central limit theorem to aggregate individual s... | |
why is the central limit theorem s minimize sample size 30 | a sample size of 30 is fairly common across statistics as the minimum for applying the central limit theorem 6 the higher your sample size the more likely the sample will be representative of your population set | |
what is the formula for central limit theorem | the central limit theorem doesn t have a formula used in its practical application its principle is simply applied with a sufficiently large sample size the sample distribution will approximate a normal distribution and the sample mean will approach the population mean so if we have a sample size of at least 30 we can ... | |
what is a centrally planned economy | a centrally planned economy also known as a command economy is an economic system where a government body makes economic decisions regarding the production and distribution of goods centrally planned economies are different from market economies where these decisions are the result of thousands of choices by producers ... | |
which countries have a centrally planned economy | while central planning once dominated eastern europe and a large part of asia most planned economies have since given way to free market systems china cuba vietnam and laos still maintain a strong degree of economic planning but they have also opened their economies to private enterprise today only north korea can be a... | |
how are economic decisions made in a planned economy | in a planned economy important economic decisions are made through a combination of political or administrative bodies typically this involves local administrators communicating their capacity and needs to central authorities who use that information to create a nationwide economic plan this plan may go through several... | |
do all socialist countries have a planned economy | while socialist economies are typically associated with central planning several socialist countries incorporated market price signals or private enterprise into their economic systems examples include market socialism in the former yugoslavia the socialist market economy in vietnam or the economic reforms in china und... | |
what is the certainty equivalent | the certainty equivalent is a guaranteed return that someone would accept now rather than taking a chance on a higher but uncertain return in the future put another way the certainty equivalent is the guaranteed amount of cash that a person would consider as having the same amount of desirability as a risky asset | |
what does the certainty equivalent tell you | investments must pay a risk premium to compensate investors for the possibility that they may not get their money back and the higher the risk the higher premium an investor expects over the average return if an investor has a choice between a u s government bond paying 3 interest and a corporate bond paying 8 interest... | |
what is a certificate of deposit cd | a certificate of deposit cd is a type of savings account that pays a fixed interest rate on money held for an agreed upon period of time cd rates are usually higher than savings accounts but you lose withdrawal flexibility if you withdraw your cd funds early you ll be charged a penalty cds come in a variety of terms fr... | |
how certificates of deposit cds work | opening a cd is similar to opening any standard bank deposit account when you shop around consider these factors you ll get either monthly or quarterly statement periods paper or electronic statements monthly or quarterly interest payments will be deposited to your cd balance and the interest will compound | |
why should i open a cd | unlike most other investments cds offer fixed interest rates that are often higher than the rates on other bank accounts generally the longer the terms the higher the rates cds are an attractive option for savers who want to earn more than most savings checking or money market accounts without taking on more risk want ... | |
how are cd rates determined | the federal reserve s rates play a large role in what you earn on your deposits 1 that s because the fed s decisions can directly affect a bank s costs here s how it works every six to eight weeks the federal open market committee fomc decides whether to raise lower or hold the federal funds rate 2 this rate is the int... | |
when opening a cd or choosing your term pay attention to the fed s rate opening a long term cd right before a fed rate hike may hurt your future earnings decreasing rates can signal a good time to lock in a long term rate | each bank determines how much interest it will pay on cds if a bank may need more deposits to fund loans it may be more aggressive in trying to attract deposits a large bank with sufficient deposit reserves may be less interested in growing its cd portfolio and offer lower rates | |
are cds safe | cds are one of the safest ways to invest your money first their rate is fixed and guaranteed second cd investments are protected by the same federal insurance that covers all deposit products the federal deposit insurance corp fdic insures bank accounts and the national credit union administration ncua insures credit u... | |
when is opening a cd a good idea | cds can be a good idea in several situations a cd may be a good option if you have cash that you don t need now but that you will want within a few years investing in a cd can help you save for a vacation a new home or a car a cd may be a good idea if you want some of your savings invested conservatively it can help yo... | |
where can i get a cd | most banks and credit unions offer at least one cd with a wide array of terms this includes large banks smaller banks and online banks in addition you can open cds through your brokerage account find the best cd rateswith the growth of online banking you can shop for cds at hundreds of banks and credit unions including... | |
how much do i need to open a cd | each bank and credit union establishes a minimum deposit required to open a cd sometimes a bank will set a minimum deposit policy across all cds some offer rate tiers with a higher annual percentage yield apy if you have higher minimum deposits in theory a greater deposit will earn you a higher return in practice this ... | |
which cd term should i choose | you ll need to determine the cd term that is right for you consider your plans for the money if it s for a specific goal or project the expected start of that project will help you determine your ideal cd term length if you re just socking away cash with no particular goal you may opt for a longer term and higher inter... | |
when you hold a cd the bank will apply interest to your account at regular intervals this is usually done either monthly or quarterly and will show up on your statements as earned interest | just like interest paid on a savings or money market account interest will accumulate and be reported to you in the new year as interest earned then you report it as income when you file your tax return 8for tax reporting purposes your cd earnings are taxed when the bank applies them to your account regardless of when ... | |
what happens to my cd at maturity | leading up to your cd s maturity date the bank or credit union will notify you of the impending end date you will receive instructions on how to instruct the bank with what to do with the maturing funds typically they will offer you three options in many cases the bank will default to rolling your proceeds into a new c... | |
what if i need to withdraw my money early | even though opening a cd involves agreeing to keep the funds on deposit without withdrawals for the duration of the term that doesn t mean you lack options if your plans need to change whether you encounter an emergency or a change in your financial situation or you simply feel that you can use the money more usefully ... | |
how do you find the best cd rates | shopping for the best cd rate takes a lot of research but investopedia has done the hard work for you and maintains lists of the best rates available no matter what length of time you re looking for | |
how does a certificate of deposit cd work | a certificate of deposit cd is a simple and popular savings vehicle offered by banks and credit unions when a depositor purchases a cd they agree to leave a certain amount of money on deposit at the bank for a certain period of time such as one year in exchange the bank agrees to pay them a predetermined interest rate ... | |
what are the advantages and disadvantages of a cd | some savers like cds because of the safety they provide as well as the fact that they are perfectly predictable on the other hand cds generally promise a very modest rate of return compared to riskier investments like stocks and bonds if the interest rate offered is below the current inflation rate then investors in cd... | |
should i let my cd roll over | as a general rule letting your cd roll over into a similar cd term at the same institution is unwise shopping around is important if you want to earn the top rate on your cds the bottom linecertificates of deposit offer stability for people who want to earn more on their money without the risk inherent in stocks and bo... | |
what is a certificate of insurance coi | a certificate of insurance coi is a document issued by an insurance company or broker the coi verifies the existence of an insurance policy and summarizes the key aspects and conditions of the policy for example a standard coi lists the policyholder s name the policy s effective date the type of coverage policy limits ... | |
how certificates of insurance coi work | certificates of insurance cois are used in situations where liability and significant losses are of concern and require a coi which is in most business contexts a certificate of insurance is used for proving insurance coverage small business owners and contractors often have a coi that proves they have insurance that p... | |
when a client requests a coi they become a certificate holder the client s name and contact information appear in the bottom left hand corner along with statements showing the insurer s obligation to notify the client of policy cancellations | the certificate briefly describes the insured s policies and limits provided for each type of coverage for example the general liability section summarizes the six limits that the policy offers by category and indicates whether coverage applies per claim or per occurrence because state laws determine the benefits provi... | |
how to get a certificate of insurance | if you are requesting a coi from a contractor or business they should either be able to retrieve it from their insurance company or provide you with their insurance company s contact information so you can ask for that proof to be sent to you directly be careful however if you ask your vendor to provide you with a coi ... | |
how long is a certificate of insurance good for | it would be safest to hold on to any coi you get indefinitely since you do not know when a problem may arise for a job either carried out on your premises or that you completed for someone else keeping proof of the coi will help address any issues at that point | |
when should i get a certificate of insurance | you should ask for and receive a coi before anyone works on your home or property if you have a written contract it should contain insurance requirements including coverage and limits required that are verified with a coi the bottom lineyou may need a certificate of insurance coi in a number of situations generally a c... | |
in international trade where goods traverse borders and navigate across diverse regulations the certificate of origin co is a vital document it not only establishes a product s nationality for example a good may be marked made in the usa or made in china but also plays a crucial role in fostering fair trade practices p... | cos verify that traders are following customs and tariff requirements help determine eligibility for preferential treatment under trade agreements and verify that goods aren t from a country subject to trade sanctions or restrictions or produce goods under unethical or exploitive conditions 12in the u s cos are now pri... | |
why do you need a certificate of origin | certificates of origin serve several purposes above all they satisfy custom requirements in the country where the items are heading and determine the amount of duty to pay certain goods may qualify for tariff reductions or exemptions if they originate from a certain country or are of a certain type 14can i produce my o... | |
is a certificate of origin the same as a title | cos state a product s origin with its export and import information however it does not provide a title in the sense of a legal transfer of ownership of the good this is done via a separate transaction involving an invoice or similar proof of sale the bottom linea co is a document used in international trade to identif... | |
what is a certified financial planner cfp | certified financial planner cfp is a formal recognition of expertise in the areas of financial planning taxes insurance estate planning and retirement saving owned and awarded by the certified financial planner board of standards inc the designation is awarded to individuals who successfully complete the cfp board s in... | |
how to become a certified financial planner cfp | earning the cfp designation involves meeting requirements in four areas formal education performance on the cfp exam relevant work experience and demonstrated professional ethics the education requirements comprise two major components the candidate must hold a bachelor s or higher degree from an accredited university ... | |
when do you need a cfp | if you are just looking to invest money in stocks and bonds a cfp probably isn t needed if you are looking to manage your finances investment choices estate planning and retirement planning a cfp can help you with all of those needs a cfp is a step above a non designated financial advisor and has demonstrated expertise... | |
is cfp the same as cfa | no cfp and cfa are not the same a cfp is a certified financial planner who provides financial planning advice to individuals this includes help with investing retirement planning estate planning and tax law a cfa is a chartered financial analyst who may work for an investment bank or hedge fund and performs financial a... | |
is cfp equivalent to mba | no a cfp is not equivalent to an mba a certified financial planner cfp is qualified to advise individuals on financial planning the holder of a master of business degree has studied the way businesses operate the career paths differ a cfp works in financial consulting or wealth management an mba may be a business manag... | |
is the cfp exam hard | the cfp exam requires a lot of preparation and covers a wide range of topics in depth the best way to ensure you pass the cfp exam is by preparing for it well in advance and sticking to a study schedule the bottom linebecoming a cfp takes education and experience as well as a strong grasp of financial ethics the test t... | |
what is a certified information systems auditor cisa | certified information systems auditor cisa refers to a designation issued by the information systems audit and control association isaca the designation is the global standard for professionals who have a career in information systems in particular auditing control and security cisa holders demonstrate to employers tha... | |
how to become a certified information systems auditor | there are five steps to become a cisa certified information systems auditor examthe cisa exam lasts four hours and consists of 150 multiple choice questions to sit for the exam the candidate must meet specific requirements discussed below as well as pay an upfront fee this fee is value for 12 months exam registration m... | |
how do i become a certified information systems auditor | to become a cisa you must pass an exam hosted by the isaca meet application requirements and earn continuing education credits upon achieving certification in addition you must act in accordance with the isaca s ethical and professional standards | |
how long does it take to become a certified information systems auditor | the most direct timeline to become a cisa is five years as the isaca requires half of a decade of professional experience on your application there are exceptions to this rule and candidates can apply for a waiver in addition there are educational requirements to satisfy as part of the certification process | |
what does a certified information systems auditor do | a cisa oversees manages and protects a company s information systems it or related departments this includes performing audits of processes and products performing risk mitigation techniques to prevent security breaches and collaborating with other departments to ensure their technology needs are being met without comp... | |
what is a certified management accountant cma | certified management accountant cma is an accounting designation that signifies expertise in financial accounting and strategic management the professionals who obtain this designation are colloquially known as cmas and are qualified for a variety of roles ranging from financial controller to chief financial officer cf... | |
how certified management accountants cmas work | the certified management accountant cma certification which is issued by the institute of management accountants ima builds on financial accounting proficiency by adding management skills that aid in making strategic business decisions based on financial data oftentimes the reports and analyses prepared by certified ma... | |
what is a certified public accountant cpa | a certified public accountant cpa is a licensed professional who has passed an examination administered by a state s board of accountancy state cpa exams are created under guidelines issued by the american institute of certified public accountants aicpa the uniform cpa exam can only be taken by accountants who already ... | |
what are the responsibilities of a cpa | cpas compile maintain and review financial statements and related transactions they also prepare tax returns for individuals and businesses they are authorized to perform audits some cpas specialize in areas like forensic accounting personal financial planning and taxation a cpa is required to complete continuing educa... | |
what can cpas do that accountants cannot | a cpa is an accountant who has earned a professional credential their main responsibilities are the same and involve preparing or reviewing financial documentation for businesses or individuals cpas are authorized to take on certain other roles these include performing audits of public u s companies and preparing audit... | |
which is better an mba or cpa | the master of business administration mba is an academic degree in management if you are interested in starting or running a business the mba program will help you prepare the certified public accountant cpa is a license for working accountants that signals a degree of professional expertise if you are an accountant or... | |
is becoming a cpa worth it | earning the cpa credential is a big time commitment and the exam is challenging still those with a cpa earn 25 more on average than non cpa accountants 15 also accountants with a cpa certification tend to advance to positions of more responsibility within one to two years and often are promoted to senior level jobs wit... | |
what is ceteris paribus | ceteris paribus literally holding other things constant is a latin phrase that is commonly translated into english as all else being equal a dominant assumption in mainstream economic thinking it acts as a shorthand indication of the effect of one economic variable on another provided all other variables remain the sam... | |
is extensively used in both macroeconomics and microeconomics | allows for otherwise impossible situations to be analyzedmay aid in helping form price discovery or demand chartsmay represent impossible situations which may hold little to not analytical valueoften omit the human element as it assumes all actions are rational and follow strict economic law | |
does not consider the subjective value consumers may pursue | may detract from focusing on the aspects of a situation that do change in tandem with other variablesceteris paribus vs mutatis mutandiswhile somewhat similar in assumption aspects ceteris paribus is not to be confused with mutatis mutandis translated as once necessary changes have been made it is used to acknowledge t... | |
what is ceteris paribus in economics | ceteris paribus in economics is a reference to how one isolated variable may change an economic environment assuming all other variables remain the same in economics ceteris paribus is often highly hypothetical as national economics and macroeconomic conditions are highly intricate and complex however ceteris paribus i... | |
what is an example of ceteris paribus in economics | all things being equal if the price of milk increases people will buy less milk this assumption ignores how other substitutes are behaving how household income is behaving or non economic factors such as the health benefits of milk ceteris paribus people will buy less of a product if the price is higher | |
is ceteris paribus a law | ceteris paribus is considered natural law it is not codified by any government instead it is thought to naturally occur based on how certain variables interact for example if the united states drilled for more oil domestically there would be more supply for gasoline and the price of gas would drop there is no law that ... | |
what does ceteris paribus help find | ceteris paribus helps determine what variables impact outcomes by holding one variable constant or assuming that only one variable changes it is inferred that any corresponding change is directly correlated to that single variable ceteris paribus may help drive metrics on customer taste customer preference consumer spe... | |
what is a chair | a chair is an executive elected by a company s board of directors who is responsible for presiding over board or committee meetings a chair often sets the agenda and has significant sway as to how the board votes the chair ensures that meetings run smoothly and remain orderly and they work at achieving a consensus in b... | |
what is channel stuffing | channel stuffing is a deceptive business practice used by a company to inflate its sales and earnings figures by deliberately sending retailers along its distribution channel more products than they are able to sell to the public channel stuffing typically would take place immediately prior to a reporting period such a... | |
how channel stuffing works | channel stuffing refers to the practice of a company shipping more goods to distributors and retailers along the distribution channel than end users are likely to buy in a reasonable time period this is usually achieved by offering lucrative incentives including deep discounts rebates and extended payment terms to pers... | |
what is chapter 11 | chapter 11 is a form of bankruptcy that involves the court supervised reorganization of a debtor s assets and liabilities it is most commonly used by businesses and is also referred to as a reorganization bankruptcy | |
how chapter 11 bankruptcy works | chapter 11 is named after a section of the u s bankruptcy code companies that file chapter 11 do so in order to obtain time to reorganize and make a fresh start during a chapter 11 proceeding the court will help a business restructure its debts and assets in most cases the company can continue to operate many large u s... | |
what are all the chapters of the u s bankruptcy code | there are currently six chapters in the u s bankruptcy code they are chapter 7 liquidation for individuals or businesses chapter 9 for municipalities chapter 11 reorganization usually for businesses chapter 12 for family farmers and fishermen chapter 13 reorganization for individuals and chapter 15 international bankru... | |
what is the difference between chapter 7 and chapter 11 | chapter 7 also referred to as liquidation bankruptcy is when the court appoints a trustee to oversee the sale of as many of debtor s assets as are needed to pay their creditors unsecured debt such as credit card debt is usually erased however chapter 7 does not forgive any tax obligations alimony or child support or st... | |
are there advantages to filing chapter 11 | the biggest advantage is that the entity usually a business can continue operations while going through the reorganization process this allows it to generate cash flow that can aid in the repayment process the court also issues an order that keeps creditors at bay most creditors are receptive to chapter 11 as they stan... | |
what are the disadvantages of filing chapter 11 | chapter 11 bankruptcy is the most complex of all bankruptcy types it is also usually the most expensive for a company that is struggling to the point where it is considering filing for bankruptcy the legal costs alone might be onerous plus the reorganization plan has to be approved by the bankruptcy court and must be m... | |
what is a chart of accounts | a chart of accounts coa is an index of all of the financial accounts in a company s general ledger in short it is an organizational tool that lists by category and line item all of the financial transactions that a company conducted during a specific accounting period | |
how a chart of accounts works | large and small companies use a coa to organize their finances and give interested parties such as investors and shareholders a clear view and understanding of their financial health separating expenditures revenue assets and liabilities helps to achieve this and ensures that financial statements are in compliance with... | |
why is a chart of accounts important | it is a very important financial tool that organizes a lot of financial transactions in a way that is easy to access because transactions are displayed as line items they can quickly be found and assessed this is crucial for providing investors and other stakeholders a bird s eye view of a company s financial data | |
is there a single coa format | not precisely a company can use create or modify any format that it wishes but experience has shown that the most common format organizes information by individual account and assigns each account a code and description what s important is to use the same format over time for the consistency of period to period and yea... | |
is a chart of accounts required | no but it s considered necessary by all kinds of companies seeking to categorize all of their transactions so that they can be referenced quickly and easily the bottom linea chart of accounts is a document that numbers and lists all the financial transactions that a company conducts in an accounting period the informat... | |
what is a chartered accountant ca | a chartered accountant ca is a financial professional who is qualified to execute certain accounting procedures it also refers to an accounting designation granted internationally to individuals aside from the united states cas work in four main areas including applied finance financial accounting and reporting managem... | |
how to become a chartered accountant | different countries impose different rules and regulations on the process of becoming a ca which means there is no streamlined path to becoming designated but cas generally need a university degree in a related field such as math accounting or finance special coursework may also be required to get certified for example... | |
what s the difference between a chartered accountant and a certified public accountant | the primary difference between chartered accountants and certified public accountants is that these designations are used in different parts of the world but they do perform many of the same functions professionals with these designations work in the public and private sector for corporations individuals governments an... | |
how do i become a chartered accountant | the requirements to become a chartered accountant depend on the country where you live but in most cases you must have at least an undergraduate degree in a related field such as accounting or finance and you must complete special coursework to get your designation or certification work experience also helps so if you ... | |
what is the job outlook for accountants and how much do they earn | according to the bureau of labor statistics accountants earned an average of 77 250 annually in 2021 the industry is expected to grow 6 between 2021 and 2031 with an additional 81 800 jobs during that time 5the bottom linedemand for accountants is strong and steady and there are a number of different options available ... | |
what is a chartered financial analyst cfa | the chartered financial analyst cfa charter is a globally recognized professional designation offered by the cfa institute an organization that measures and certifies the competence and integrity of financial analysts candidates are required to pass three levels of exams covering areas such as accounting economics ethi... | |
how long does it take to pass the cfa exams | the cfa exams are difficult and have a high failure rate each exam requires at least 300 hours of study on average 5 successful candidates take an average of four years to earn the designation 11 | |
how much do the cfa exams cost | each of the three levels of the cfa exam costs 1 250 which is reduced to 940 if you register early in addition there is a one time enrollment fee of 350 5 with early enrollment you would end up paying a total of 3 170 with regular enrollment the total cost is 4 100 | |
are the cfa exams multiple choice | the cfa level i exam is entirely multiple choice with 180 questions 8 the level ii exam consists of 22 item sets and 88 multiple choice questions 9 level iii consists of 11 constructed response essay questions and 11 item sets 10 constructed response items typically have several parts related to a case study that descr... | |
are cfa charter holders paid more | industry reports indicate that cfa charter holders are paid more than those who have not completed the program according to test prep provider 300 hours a cfa charter holder earns on average 57 more than a level i candidate when controlling for years of work experience 12the bottom linethe financial designation of cfa ... | |
what is a chartered retirement planning counselor crpc | chartered retirement planning counselor crpc is a professional designation awarded by the college for financial planning to candidates who successfully complete its study program and pass a final examination a crpc designation is seen as a boost for a financial planner s job opportunities professional reputation and pa... | |
how long does it take to obtain a crpc | most applicants can expect to spend between 90 and 135 hours on course related activities before sitting for the exam according to kaplan financial education classes can be taken online either live or on demand | |
what are the average income and job prospects for a crpc | the average base salary for a person with crpc certification is 72 000 according to payscale note that many people are already working in the field when they decide to go for crpc certification the college for financial planning says those professionals report a 9 increase in their earnings after acquiring certificatio... | |
what are the various professional designations for financial professionals | there are more than 200 designations available to financial professionals but a few of the most common acronyms are enough for most of us | |
is a cfa better than a cfp | if you re headed for a career in the financial services industry which is better depends on where you want to go a chartered financial analyst cfa is skilled in investment analysis and portfolio management they often work at big investment firms mutual funds or hedge funds as they are qualified to research potential in... |
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