To be honest, I use split screen a lot when video calling, so I think I’d struggle without that feature plus I’d like to stick with a windows OS and a minimum of a 13” screen. Plus I often refer to my iPad separately whilst on a call (I use reference books on the kindle app).
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I would absolutely consider a refurb - that is the first thing I look for when replacing any tech 
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Most of what I do is PowerPoint and word related with some very light excel.
I’m self-employed, so I don’t have an issue using a personal device. I using video call whilst split screening with a couple of documents and/or webpages.
I think I would struggle with anything less than 13” (the screen I’m replacing) and I often am using several documents at once.
Sorry, it’s been a busy 20hours! 
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As mentioned by others before then concentrate on SSD for hard drive and 8gb ram.
One of these might fit the bill
For what it’s worth, I upgraded an MSI laptop from a dead hard drive to SSD on the repair man’s recommendation. I couldn’t believe the improvement in performance: next-to-instant boot-up and shut-down. Money well spent (oh, and a doubling of RAM to 8GB). 
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I haven’t had the time to go through all replies, but for this same reason I’ve always bought/use Lenovo (IBM)Thinkpads for years. From the X220 now to the X270. Buy it used/refurbished and you’ll laugh at all others.
I am not deliberately spilling stuff but it has taken a lot of coffee and teas.
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And me. (I’ve had some fun with their K3 Note phone. A dual-sim 6-incher for £103 ! 
).
Can’t go wrong with those.
I’ll upgrade yearly for an avarge 75/100£ after selling my current one.
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Brilliant. Never seen this one 
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