POS solutions are affordable. Microsoft Retail Management System, for example, can be purchased through P.O.S. Direct for $1,195 for a single store with one cashier's lane. This is an investment that can be paid off over time in money saved on credit-card transactions. Through a Microsoft agreement with Citibank Merchant Services, Retail Management System users can sign up with Citibank to get significant savings in lower card processing costs. "You're getting a payback on software just by the money you will save in credit-card fees," says Rosenblum. (Microsoft Business Solutions offers a more detailed version of Retail Management System for the central office of a retail chain, enabling the headquarters to keep track of sales and inventory from multiple stores.)

POS solutions are easy to use. Microsoft Retail Management System is intended for use by store cashiers as well as store managers. No lengthy training sessions are necessary. Built-in wizards and an intuitive user interface make learning easy. But Retail Management System is much more than a point-of-sale solution — you'll also be able to automate your inventory management, supplier management and purchasing, shipping and receiving processes, and integrate sales transactions with your accounting software. Retail Management System easily integrates with QuickBooks' accounting software or Microsoft Small Business Manager.

Hardware requirements are minimal. All you need for Microsoft Retail Management System is a Windows-based computing device that accommodates Windows 98 or a later version. But it works effectively with common point-of-sale peripherals such as receipt printers, bar code readers, magnetic strip readers and cash drawers. Retail Management System also can be utilized with laptop PCs and Tablet PCs, as well as various PDA, mobile and wireless solutions. Imagine taking your entire inventory report home each night simply by unplugging the laptop and carrying it to the house. No more late nights at the store, poring over inventory reports.

You can eliminate double-entry bookkeeping. By integrating credit-card transaction processing into your business operations with Microsoft Retail Management System, you'll help reduce data re-entry at the point of sale, and can facilitate easier reporting and reconciliation of transactions at the end of the month. By integrating Retail Management System with your accounting software, you eliminate the need for paper, cut down on errors and streamline and improve your bookkeeping and tax record-keeping processes.

You can eliminate manual inventory tracking. Here's a "mundane" but very necessary chore that can be made easier and better through automation, says Rosenblum. "This is what a computer is supposed to do for you," she says. With Microsoft Retail Management System, unlike other point-of-sale solutions, you have the functionality to track your inventory more closely and efficiently. As a result, you'll save time and be able to monitor trends and buying patterns better, which can help you make better decisions in ordering, buying and pricing. With a better handle on your inventory and how fast it takes to "turn," you can increase sales.

You can reduce operating and labor costs. The ability to maintain tighter control over your inventory, the reduced need to re-enter information and an overall simplification of associates' jobs will free your staff to focus on managing and selling more effectively. You'll know better when to staff up or cut back to accommodate sales demand. You'll also eliminate the need for separate point-of-sale terminals for credit cards and the associated phone lines, freeing up valuable counter space.

You can serve customers and market products better and compete more effectively. While electronic cash registers automate individual transactions, Microsoft Retail Management System enables you to keep track of customers' entire purchasing histories. You'll have a better sense of who your best customers are and why they are buying, to focus more on their needs and to serve customers better in general. You also can use this data for sales promotions and marketing campaigns. You'll be able to test-market pricing concepts, sales promotions and new products better. In the end, you'll put up a better fight against competitors, including the bigger retailers who are completely automated — but aren't as nimble or customer-focused as you.

You can more easily expand your number of stores and e-commerce options. Microsoft Retail Management System is scalable; you can keep the same software and systems as you grow into multiple stores and retail channels. You have a trusted provider, too. As your business adds customers and products, you can store and manage unlimited amounts of data with Microsoft SQL Server and manage customer relations more closely with Microsoft Outlook 2003 with Business Contact Manager or Microsoft CRM.

You can keep your business around longer. Want to be able to sell your business more easily or transfer it to someone from the next generation? Good luck, if you haven't embraced technology, says Roster. "The next generation will require technology," he says. "Otherwise, there won't be a way for someone new to come in and grow the business model." As time goes on, he adds, retailers who rely on paper-based systems will increasingly find themselves sticking out like a sore thumb in a supply chain where most will be doing transactions online. "If you're someone who still wants to handle paper, that may raise your costs."

You can go home earlier and have more of a life. You've got more time now, so why not? You've earned it.