Decide which features you’ll need based on what you’re going to do with the computer. For example, if you’re going to be creating graphics, sound and video, you’ll want plenty of RAM. If you’re going to be doing heavy computational tasks (searching large databases, watching video), you’ll want a super processor.

Based on your likely needs, determined earlier, figure out the core configuration you need, including processor and speed, amount of RAM and hard drive size.

More RAM is better, you don`t need much if you restrict your computer use to simple tasks (word processing, check balancing). Games, however, can require lots of RAM; graphics and sound are other space hogs.

Determine what pre-installed software you want or need. Get at least an operating system, such as Windows, an anti-virus program, and programs for word processing, spreadsheets, databases and keeping your checkbook.

Don't buy additional software unless you really need it.

Don't get caught up surfing price reductions. If you need a new PC now, don't wait a few months to see whether prices will drop further and upper-end performance will improve. Some readers find themselves stuck in an endless price-drop waiting game. Instead, decide when you need the system, and go for it.

Upgrade at the time of purchase. Often, you can get a better deal on a larger hard drive or a better monitor when you first order your computer. Even doubling the size of a hard drive may add very little to the cost

When you buy a desktop, one of your main goals is that you want it to be upgradeable. That means the following can easily be removed and replaced:

hard drive

CD/DVD drives

memory

CPU

video card

sound card