1.   The contracts are structured as loans or, most commonly, as a direct purchases of a certain number of installments.

2.   And a good way to do that is through direct stock purchase plans.

3.   Because the direct purchase of foreign stocks is impractical, the risk-tolerant investor may seek ADRs -- foreign stock certificates that trade here like domestic equities.

4.   A direct purchase from the government can save money, too.

5.   A. The easiest way to find a list of companies that offer direct purchase of their shares is through the Internet.

6.   ADRs are typically bought and sold through brokers, but many can now be bought from banks with recently introduced direct purchase options.

7.   But like many other utilities, almost all of these water companies offer direct stock purchase and dividend reinvestment, so investors can bypass brokers.

8.   But the quest for greater consistency in quality and price has encouraged big processors to increase direct purchases from growers.

9.   Citibank is rolling out its own direct purchase option later this month.

10.   Companies like the direct purchase plans for a couple reasons.