1.   If there are contracts which are essential to the conduct of the business, the purchaser should make obtaining consent to assign or novate these a condition precedent.

2.   A purchaser should always make careful enquiries to satisfy himself that persons described by the vendor as independent contractors are not in fact employees.

3.   United Mizrahi told New York City-based Commercial Bank that another purchaser made a higher bid for its New York unit.

4.   Variable annuities let purchasers make their own choices from a menu of mutual funds.