. • Create a liquid savings reserve (emergency fund) before contemplating investing. • Choose investments that suit the individual’s risk tolerance level and investment objectives. • Diversify investments
that select Big 4 auditors are firms that have higher reporting quality. As a result, without auditor factors, these firms innate fewer mistakes that require audit adjustments. For auditor factor
Notes should purchase any Notes. Each investor contemplating purchasing any Notes should make its own independent investigation of the financial condition and affairs, and its own appraisal of the