You've analyzed those tasks you want to computerize, researched which applications software will best help you accomplish those tasks, and determined what you'll need in the way of hardware components to effectively run your desired applications. Now all that's left is to go out and acquire the system you need.

As is the case with most anything you purchase, the key to getting the best computer deal for your money is to first identify what you want and how much you're willing to spend, and then to invest some time in comparison shopping. You probably won't have any problems finding places to shop. Check out your area's electronic superstores (including some that specialize in just computers), department and discount stores, and local shops that assemble their own systems. Open a computer magazine, and you'll find a number of manufacturers and retailers that will sell to you by mail.

As you shop around, request specification sheets for the systems you like. These sheets should identify the price, the components, and the service and support policies for the systems. As you compare systems, adopt the assumption that you're going to get what you pay for. If one system is significantly cheaper than another, try to find out why that's the case. Are less reliable parts being used? Is it backed by a short warranty or an unfavorable service and support policy? There's a saying to the effect that "a computer is only as good as its weakest component." Try to identify what that may be for each system you compare. Rarely will the lowest priced system be the best overall value.

Other points to keep in mind as you shop around include the following:

• Look for a system that can easily be upgraded with new components as your needs change. How many empty drive bays and expansion slots (these allow you to add components like additional hard and disk drives, CD-ROM drives, and modems inside your computer) does the system have? How will the system accommodate RAM upgrades? Will you have to replace the existing RAM module or are there one or more open sockets where you can insert modules so that you add to what you already have?
• Be prepared to accept trade-offs among your desired components. For example, you may be willing to settle for 96MB of RAM instead of 256MB if that enables you to get a better monitor or faster processing chip. Or you may decide to forego the DVD drive in exchange for a larger hard drive and advanced storage media. The idea here is to be willing to make concessions with respect to those items that can easily be upgraded or added later if that enables you to get a better overall system under your initial cost limitations.
• If you decide to go with a locally assembled system, try to find a shop that has been in business for a few years and that has established a track record with respect to reliability and service. It's also not a bad idea to look for a shop that's not too far away, just in case you need to take the system in for servicing.
• If you're contemplating a mail-order purchase, proceed with caution. The system that shows up at your door will essentially arrive "sight unseen," so you need to be sure that you're dealing with a reputable company.
• Carefully read through each seller's return policy. The best policies are those that will allow you to return the system within a specified period with no questions asked and no restocking or other fee being charged.
• Compare service and warranty agreements. If you run into problems, will you have to take the system in or will someone come out to your business to perform on-site repairs? Is there a toll-free number that you can call at any time, including weekends and evenings, for help or advice? How long does the warranty agreement run? Is an extended service contract available and, if so, is its cost worth the added protection?
• Consider using your credit card even if this means losing a cash discount. Your credit card company can be an invaluable ally in helping you resolve post-sale problems with the seller and getting you a refund if the system doesn't do what was promised.
• Don't delay in setting up your system once you've purchased it. Make sure you've received everything you bargained for and that the system functions properly. If a vendor offers a delivery and set-up service, take advantage of it and don't let the service person leave your premises until your system is up and running.

In some cases, it may make sense for you to delay your computer purchase because you can't really afford the system you need. If you find yourself in that situation, you may want to consider renting a system on a short-term basis so that you can at least start the process of computerizing your business.

However, try not to fall into the trap of delaying your purchase merely because you expect that the price of your desired system will drop or that you'll be able to get a more powerful system for the same money if you just wait a few months. Presumably, you're looking for a computer because you believe it will make you and your business more productive, efficient, and profitable. For example, let's assume you've concluded that purchasing a $2,500 computer system will free up three hours of your time each week. Let's also assume you expect the price will drop by 20 percent ($500) over the next six months. Does it make sense to delay the purchase? That depends on what you think you could have accomplished with the extra 78 hours you would have had available. In other words, before holding off on your purchase, try to quantify the benefits you will have lost by waiting.