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1. #WHAT'S BETTER FOR AN SMALL ONLINE BUSINESS? A MAC OR A PC? FULL#
2. #WHAT'S BETTER FOR AN SMALL ONLINE BUSINESS? A MAC OR A PC? PLUS#

Buying equipment is easy-you decide what you need, then go out and buy it. Depending on the lease terms, you may have to make payments for the entire lease period, even if you no longer need the equipment, which can happen if your business changes. You're obligated to keep paying even if you stop using the equipment.For example, a $4,000 computer would cost a total of $5,760 if leased for three years at $160 per month but only $4,000 (plus sales tax) if purchased outright. Ultimately, leasing is almost always more expensive than purchasing. The result: You're better able to keep up with your larger competitors without draining your financial resources. Leasing can enable your small business to acquire sophisticated technology, such as a voice over internet protocol (VoIP) phone system, that might be otherwise unaffordable. You're able to more easily keep up with your competitors.Because leases rarely require a down payment, you can acquire new equipment without tapping much-needed funds.

#WHAT'S BETTER FOR AN SMALL ONLINE BUSINESS? A MAC OR A PC? FULL#

Many small businesses struggle with cash flow and must keep their coffers as full as possible. Thirty-five percent of respondents to the Equipment Leasing Association's survey said this was leasing's second-highest benefit. With a lease, you have a pre-determined monthly line item, which can help you budget more effectively. You'll have predictable monthly expenses.

(This is also a reason some people prefer to lease their cars.) In fact, 65 percent of respondents to a 2005 Equipment Leasing Association survey said the ability to have the latest equipment was leasing's number-one perceived benefit. After that lease expires, you're free to lease whatever equipment is newer, faster and cheaper. For example, let's say you have a two-year lease on a copy machine. With a lease, you pass the financial burden of obsolescence to the equipment leasing company. Computers and other tech equipment eventually become obsolete.

#WHAT'S BETTER FOR AN SMALL ONLINE BUSINESS? A MAC OR A PC? PLUS#

This month we'll take a look at the benefits-and downsides-of both leasing and buying technology equipment, plus the questions you should ask to ensure you get the best deal. The next time your business needs new computers, networking equipment or other technology, should you buy it or lease it? If you don't know, read on.