Most small businesses are already using cloud-based services in some way, writes Matthew McKenzie, but if you're limiting yourself to free starter applications, "then you're probably still married to the idea of traditional, on-premises software." Small businesses with limited budgets and IT expertise have the most to gain from moving to the cloud, and those "that pursue an aggressive cloud strategy will be in a far better position to compete than those that still want to hug their servers."

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