Most experts suggest that you replace/upgrade software every year, hardware every three, and operating systems every five.  Whatever your budget/timeline, try to think of your IT resources like cars- ongoing maintenance will help prevent catastrophic failure, and folks who plan their replacement strategy ahead rarely end up stranded on the side of the road.
 
Before Disaster Strikes
Disaster can take many forms, from hurricanes and fires to a spilt cup of coffee.  Brainstorming a backup plan- one in which everyone knows their role and can carry it out even in the midst of an emergency- can make all the difference between losing some time, and losing your entire work product.
 

 
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